Pizza Delivery driver hit my car, what are my options?

Discussion in 'Cosmetic Upkeep - Covering, Washing, Waxing, Detailing, Repairing' started by lukejay, Mar 3, 2018.

  1. oesman

    oesman Well-Known Member

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    I'm sorry, I thought you would be able to connect related concepts. Let me explain it in more detail. If your logic is that you can't open a claim with someone else's insurer, how would a pedestrian who may have no insurance file a claim if hit by a car?

    This is what I've done every single time someone's hit my car, because it's what you're supposed to do.

    Obviously your insurer can reach out to them too, but the point is you have no deductible to pay and there is no reason for them to be involved.

    What happens if there is no police report and you contact your insurance to claim against the other guy? Same thing, it's always your word against his plus whatever visible damage and police report and witnesses. This changes nothing. I'm not sure how you're having this much trouble tracking.

    Edit: Here maybe this can help you out: https://claims.geico.com/ReportClaim.aspx see how it says "Someone Else's GEICO Policy" in that radio button? Cool huh broski?
     
  2. OP
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    lukejay

    lukejay Member

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    D24112, you make a very good point. I wasn't there, I don't know the full details of how it all went down, while ethically and logically it may not be her fault, there isn't much of a way to prove it. She was coming out of a community and she didn't have the right of way, we have no proof that he was speeding or texting or distracted in some way, other than our word, which doesn't help, and that guy will lie about it. That's why we were hesitant to call and that's probably why the police told us it wasn't worth it. This seems like a perfect example of why everyone should have a dashcam IMO.
     
  3. MustangNY

    MustangNY Active Member

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    You can abosuletly file a claim with the other party's insurance. If it is 100% the fault of the other party you DO NOT want to even contact your own insurance. Reason for this is even though your insurance will not be paying anything and your rates will not go up they will make a note that an accident occured and in the future if you are in an accident in which it is your fault, your rates might even go up higher if they see that previous accident as you are considered "accident prone" regardless if the previous one was your fault or not. Insurance companies work on statistics. If you are involved in more accidents you are more of a liability hence higher rates.
     
  4. SlaughterOfTheSoul

    SlaughterOfTheSoul Actual Engineer

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    The cops did your mom and you a favor because they determined it was her fault. They may have said it in a very nice manner or not at all, but there's no mistaking the situation. If you make a claim your insurance will potentially rise as this will come to light, otherwise the insurance would pick up on if a citation was issue which it sounds like they were doing her another favor by not doing so. She wasn't cited, but she is clearly legally and civilly liable here. If the damage isn't significantly beyond the deductible then you may be making a mistake by contacting insurance.

    BUT they probably won't raise your rates anyways. Beyond who's logically "responsible," these are some points to consider.

    One thing I can guarantee you is that as soon as you say "pulled out in front of" to any insurance adjuster then the fate of the claim is sealed.
     
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