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You'll never believe this...and need advice!

July 28th, 2015 at 11:19 am

In all my wedding excitement, I completely forgot this...

Two Fridays ago, I got my car back from being repaired after I'd been rear-ended about a month ago. I was fortunate in that even though I did everything wrong, he accepted fault and his insurance covered everything.

Two Saturdays ago, I got rear-ended. Yep, that's right. Hit again!! A day after getting my car back!! At a stoplight, no less!! I was so angry that I originally sped off in anger, but then decided to pull over and check it. Luckily, I did and he'd followed me because there was noticeable damage. This time, I got pictures of the cars, his license, and his contact info. He didn't have his insurance card, but said he'd probably pay out of pocket anyway. I forgot to note where we actually were, but I'm getting closer to getting everything I need when I'm in an accident...

I just did the estimate today because I've been busy. It comes out to just under a grand. If he chooses to pay out of pocket, does anyone have experience with how it works? I assume he gives me the money upfront or calls and gives the company his card info. Also, since it's a 4 day repair, I feel like I should also ask him to cover a rental car since insurance would cover one. Any advice is more than welcome!

6 Responses to “You'll never believe this...and need advice!”

  1. creditcardfree Says:

    I'm so sorry this happened, but glad no one was hurt. Was this person texting? Doesn't matter, but I see so many people doing it!! I'd sure ask about the rental car coverage. Unfortunately I don't know how these out of pocket fixes work...just hope he doesn't scam you/try to get out of paying since you don't have his insurance information.

  2. MonkeyMama Says:

    I believe it! I had a jinxed car once that I had fixed the rear bumper twice and then someone hit me while I Was paying at a parking garage. IT would be one thing if he said his foot slipped off the brake or something, but what he told me was that he thought I had driven off, after waiting behind me for a bit. ??? I lost track how many times that car got hit while parked or at red lights.

    That said, I think it's been like 20 years since I have been in anything other than a "hit and run" and so I have no advice. It's been a long time. It would make me nervous to work outside of insurance. You never know when further problems might arise.

    Is your car a dark color? Just curious.

  3. MonkeyMama Says:

    Texting doesn't explain my own car jinx of decades past, but I would expect accidents involving cell phones are quite common these days. I witnessed a rear ending by a texter. I was thinking, "Gah that guy is really into his phone!" & then... He hit the car in front of him. Such a stupid/pointless accident.

  4. Debt-free by Thir-ty Says:

    As far as I know, he wasn't texting (it was an older man). He said his foot slipped off the brake. My car is black, but we'd already been stopped for several minutes in broad daylight. He offered to pay me or the company. I think I'd like to have the money in hand upfront, but that doesn't necessarily cover any additional fixes they may find.

    CCF, I had thought he might try to scam his way out of it too...especially after he played dumb when I asked where he wanted the estimate sent, but after I reminded him who I was, he gave me a fax number and has been corresponding regularly. At least he was until I brought up the rental car. Had we gone through insurance, they'd have provided one, so I will remind him of that if he refuses. I already told him I'd do the most basic car possible; I just need to be able to check on the dogs.

  5. FrugalTexan75 Says:

    Glad you weren't hurt either time!

  6. VS_ozgirl Says:

    unbelievable! I was in that situation a few years ago. The lady that hit me drove off but I got her registration so called the police and they tracked her down. Because the damage was under insurance excess value they paid cash to avoid a claim. They were legit but my husband came with me to collect the cash. Would be a good idea to get DF to go with you and be sure to meet in a public place like we did.

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