"Thunder" (Thunder)
07/18/2017 at 20:06 • Filed to: Car accidents
0
5|
"Thunder" (Thunder)
07/18/2017 at 20:06 • Filed to: Car accidents | 0
| 5 |
So my wife just got home; she advises she was rear ended at low speed on the way. There is no damage to either vehicle (I have yet to go look at hers myself). Her MB E350 did not have the anti-whiplash headrests “pop”, which happens at 8 mph IIRC.
She got the other driver’s info. They did not get hers. No police were involved.
Additional factor: my wife has 8 herniated discs from an accident in 1999 while 8 months pregnant with our son. She’s normally in pain daily.
I’m concerned. Do we need to report to our insurance? To the other driver’s? Are we at risk for a lying other party putting blame on my wife?
Seth Balmore
> Thunder
07/18/2017 at 20:25 |
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Hi, I’m a claims adjuster for a major insurance company. Part of your insurance contract likely states that you have to report any and all incidents...
But no, I don’t see any reason to report this. Are you claiming for something? Do you want your insurance to pay for something? Do you want the other driver’s insurance to pay for something? If no, then don’t report it.
If you think you can get money for medical bills, guess again because in most states, any soft tissue injury (neck and back pain) gets paid out through your OWN insurance policy (ie: your rates are going to go up next year).
But it seems like you’re really just concerned with getting blamed for something. Well let me ask you this, what are they going to blame you for? Reversing into the front of their car? How? You have no rear bumper damage. They have no front bumper damage. What accident are you even talking about? As far as I can tell, the vehicles never touched each other. Furthermore, your wife never gave her information to the other driver. Who are they going to say hit them, a lady with two arms and a face?
My point is, nothing happened. There’s no damage, nobody is hurt, there’s no proof that your wife was even in an accident. There’s literally nothing to report. But remember, your policy contract................*rolls eyes
wafflesnfalafel
> Thunder
07/18/2017 at 20:25 |
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There has to be Bodily Injury or Property Damage in order to file a claim. However, if there is concern about a possible injury, absolutely, give the other party’s carrier a call. Your rates can be affected if you turn it in to your carrier, but reporting it to the other carrier should not and give you some piece of mind if injury is suspected or if there is concern on the truthfulness of the other party.
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Thunder
> Seth Balmore
07/18/2017 at 20:40 |
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Thank you for your insight, Seth.
Much appreciated.
Textured Soy Protein
> Thunder
07/18/2017 at 21:30 |
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If it were me I’d take it to a body shop that does free estimates. If they find something worth repairing you could file a claim, either through your insurance which would subrogate the claim to the other person’s insurance, or file the claim directly with their insurer. Generally the fact that the rear end of your car is damaged is enough for the other person’s insurance to cover it. If there’s nothing wrong then leave it alone. You could even check the website of your insurance and/or the other person’s insurance to find a shop they contract with, without having to start a claim. That way if something is damaged, there’s no problem for that shop to direct bill the insurance.
victor
> Thunder
07/18/2017 at 23:26 |
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My rear bumper bar on my wago was replaced by an authorized mb bodyshop after they opened it up. 2k repair for “just some bumper scratches”