Got rear-ended

[97legacygt]

So as I was driving from my old high school's football game, I had to stop for someone making a left turn. All the sudden I get hit in the right rear. I pull of on a side street and I look at the damage. First glance, nothing much only a few scrapes on the bumper and the lower valance busted up. But on further inspection, I notice that the trunk didn't align with the quarter anymore and the right rear door also has alignment issues.

When the chick got out of her car, the first thing she said was that she didn't have insurance. And later she said she was sorry and she wasn't paying attention. No S%*#. :roll: I wasn't really thinking and didn't call the cops. I probably should have. Even with lovely Michigan no-fault insurance, I don't think it would have mattered. I don't know if I could get anything through any law because of the uninsured or not, but I figured I would have to sue to get it, which I wasn't going to do.

And the worst thing is, I had the rust in the quarters and windshield fixed so the whole rear of the car had only 2 month old paint on it. I'm pissed about the whole thing.

[henryq89]

damn that sucks dude.....like that time i got rear ended by a maserati. :roll: :cry: lol

[SilentRacer]

You should have asked to rear end her in exchange for not calling the cops. Least get something out of it.

[decke48]

You should have asked to rear end her in exchange for not calling the cops. Least get something out of it.
:lol:
ah.. that sucks.

[scubydu]

Sucks dude. I just got backed into last weekend. Fortunately, the girls MOM had very good insurance and I'm getting a $1900 check for damage that I can fix for about $5-600. Hmmmm... can you say upgrades?

[97legacygt]

You should have asked to rear end her in exchange for not calling the cops. Least get something out of it.

That would work if I had a truck. But if I had a truck she would have just slide right under me and screwed up her entire front end. :eek:

[BE-Fresh]

So what are you going to do? Do you have all of her information, is she going to put up some money or what? Sorry bout that happening, not cool.

[jg09]

Gotta love those uninsured drivers. When you make a decision on what you're going to do about, definitely keep us in the loop about it. About how much $$ worth of damage did she do?

[Perdue]

Not filing a police report was a stupid mistake. Right now, it's her word against yours as to if she was even the one to hit you. You shouldn't have to pay for someone else doing something stupid without insurance. I'm not a sue-happy person, but if she would've just been responsible and had insurance AND paid attention to what's in front of her, you wouldn't have a broken car right now, much less have to pay for it. :evil:

[Bdubs]

That sucks, definitely would have called the cops.

Its actually still legal in some states to not have insurance on a registered car?

[97legacygt]

Do you have all of her information, is she going to put up some money or what?

I do have all her information and I'll be getting prices on the lower valance thing through the body shop I used to work at and call her Monday about that and possibly fixing the bumper.


When you make a decision on what you're going to do about, definitely keep us in the loop about it. About how much $$ worth of damage did she do?


I'll probably end up just leaving it the way it is and driving it. It is still very drivable; just the trunk and left rear door gaps are off. I really can't tell how much $$ she did without taking the rear bumper off.



Its actually still legal in some states to not have insurance on a registered car?

No, it is not legal to be uninsured. People still do it for some dumb reason. Even if you don't have a lot of money, it is still a very good investment in this sue-happy world.

And I'm defiantly not a sue-happy person either.

[)2edline]

MAN, in New England, its like crazy strict that you must have insurance, if you don't and you get into an accident.

you are F-U-C-C-E-D

[Huffer]

Only if that accident is reported.

Insurance reminder - make sure your liability coverage policy on your AUTO insurance is the value of all your assets - because if they choose to sue you and your insurance company only covers up to $100k, and your net value is $500k then you will have to cover the balance of the suit up to the settlement amount.

[97legacygt]

With Michigan's lovely no-fault insurance, I would have gotten no money even if she had full-coverage collision insurance. I only have PLPD so I don't get anything from my insurance. It sucks and I hate it. :twisted:

[Perdue]

...but she admitted fault by not paying attention...

[97legacygt]

...but she admitted fault by not paying attention...

Doesn't matter who's at fault. Your own insurance will cover your own car and their insurance will cover their car. What usually ends up happening is the insurance company covering the non at-fault driver will go after the insurance company of the at-fault driver.

[jey]

...but she admitted fault by not paying attention...

Doesn't matter who's at fault. Your own insurance will cover your own car and their insurance will cover their car. What usually ends up happening is the insurance company covering the non at-fault driver will go after the insurance company of the at-fault driver.

So am I correct that since you only have PLPD no-fault, in Michigan, you wouldn't have gotten a check from any insurance company even if the girl that hit you had insurance and it was her fault? Because each insurance company only covers your own car?

[97legacygt]

Yeh, that's pretty much. I believe that there are a few exceptions for correctly parked cars. Then their insurance will cover it if you know who hit it. This exception varies from state to state that has the no-fault law.