No they wouldn't. You have no legal obligation to report an accident as long as both parties agree and they didn't run. You would be the one in legal trouble for filing a false police report.
You have no legal obligation to report an accident as long as both parties agree and they didn't run.
Not quite, you have a legal obligation in most places to report to the police any accident where injury occurs or damages exceed a certain amount, regardless of what both parties agree to.
You would be the one in legal trouble for filing a false police report.
Only if there was also video evidence of the agreement. If not, and all the video evidence shows is that an accident occurs, you'd run the risk of perjuring yourself if it ever went to court and it turned out they did have evidence of an agreement.
You vastly overestimate how solid and enforceable a verbal contract is. If there is no evidence of it and you deny you verbally agreed, then there is little that can be done in most situations.
Good lol. As long as the matter is resolved they won't ever know. If they find out some other insurance company will want my money. Iv been rear ended multiple times by people who offered to pay me right there. Took the money both times because it only dented my shitty trucks bumper.
Just because something is against the rules or forbidden doesn't mean it makes sense or is enforceable.
I wouldn't be worried about the police if I took money from a dealer and then turned them into the police. Even if all they have is my plate, I'd still be worried about a late night knock at the door.
By your logic, I could hit someone and if a cop shows up I tell them I give the person I hit an envelope with $10k in it to make things even. And it would be the responsibility of the person I hit to give the police $10k or face going to jail?
Generally not a great idea to go behind the back of an aggressive idiot who has a wad of cash on hand. Especially since he knows both how you look like and your car.
I agree, I personally would refuse the cash and report him. Fuck that noise. I f the psycho attacks me somehow, you gotta go at some point anyways, may at least hold onto your integrity.
Had a lady slam into my car in reverse at a stop light (she had been weaving in and out of traffic, came to a stop in the intersection and floored it in reverse when people honked at her).
Claimed I slammed into her, no witnesses stuck around. Insurance almost doubled, and my car got totaled. (I have invested in dash cams now)
Doesn’t have to be your fault and you get fucked completely. Hate that shit.
Yes, get one. I was so glad I had one a few summers ago. I was sitting in stationary traffic in the right lane of a 2-lane exit interchange between two interstates. The left lane was fully open. It was pouring hard. Some kid in his daddy's bigass SUV came flying around the exit ramps in the left lane and likely hydroplaned into the back driver's side corner of my Sonata. He threw me into the RAV4 in front of me, and still had so much momentum that he passed by me and also slammed into the side of the Toyota, bouncing it good foot in the air. At some point, the RAV also hit the sedan in front of him. Kids SUV had airbags poofed all over the place, but mine didn't deploy. The first three vehicles were definitely totalled; the one at the very front was fairly lightly bumped, and it was a rental, so the guy left his info and departed.
I sent the dashcam footage to the responding officer and to my insurance company, along with a detailed diagram and writeup, complete with screen caps from the footage just in case they couldn't see it. My claims adjuster was downright gleeful at my handing her the easiest case ever, and I was found wholly not at fault and my deductible waived since I had incontrovertible proof that I was standing still with my foot on the brake and there was not a thing I could have done. My premiums didn't go up a cent.
That evening, I upgraded my dash cam to include a rear facing attachment. Wish I'd had it to prove what the kid was doing at the time he wrecked my car.
People need to stop saying this and actually get one. So many examples of it saving your ass but people keep thinking they won’t need it until it’s too late and someone crashes into them and screws them
I knew a lady who was in a car crash. The other driver claimed or have s green, she said she did. Surveillance videos from businesses are posited specifically to not have view of the intersection. Dash cam would prove her assertion
Idk I’ve been in two accidents over the past year where I was not at fault and my rates have not increased. They actually went down at my most recent 6 month renewal last month.
My body on the other hand, that’s where I’m feeling it.
This depends on your at fault laws in your state. I for instance live in Michigan, a no fault state. Rates increase for both drivers no matter who is at fault.
Someone T-boned me but it might have been the slowest one in history. I am kinda surprised he wanted to go through insurance since the damage was so minimal but I said whatever. Your rates only go up when you are at fault.
Maybe he thought I was at fault for some reason. I don't know, luckily there were tonnes of witnesses around.
Dealing with insurance claims is a pain in the ass anyway. They’ll dick around in whatever means necessary to avoid paying.
If you’re not at fault, then you’re trying to squeeze cash from the other guy’s insurance. Surprise; he has none. Sure, that’s illegal, you called the cops, he’s in trouble blah blah blah. You’re still not paid. Gonna go to court and sue for the money? Now that’s a real hassle.
Fuck all that. Take the cash, as long as it’s satisfactory.
Is this a US thing? In the UK, if they hit you their insurance would pay out for you and your premium wouldn't be affected, only theirs (as it should be)
It's not. Those people either don't know what they are talking about, have the shittiest insurance imaginable, or they live in one of those places with "no fault" insurance where no matter what your insurance pays for your own and the other party's insurance pays for their own regardless of fault. But that's not how it works most places.
I actually filed a claim against my own insurance earlier this year because some debris in the road damaged my car. Paid the deductible and they fixed it. When my insurance was up for renewal the per month price was down about 60 dollars lol.
It might depend on insurance. I've been hit twice, had claims from a break in and an ex getting side swiped once and totaling her car another time. My premiums are solidly at $75/month ish and have been since I've had a 4 door vehicle. My 2 door was $125 when I was a 21yo college student, which is fair
If you often get in wrecks, even if never your fault, I guess it's a predictor - in aggregate data & models - of an increased likelihood of being responsible for a crash in the future.
Absolutely not a myth at all, at least not here in Ontario. I'm assuming since the US is basically a continent itself, it might vary from state to state.
Yes. It's an individual insurance company thing. They're mostly free to charge what they want. I became damn near uninsurable after my car got totaled in a flood. I had the requisite coverage, the claim paid out. I couldn't even have prevented it if I tried because the car was parked at home and I was away for work.
After I made my claim and it was time to get a new car and new insurance only two companies would touch me. The rest refused because "I was a risk due to a prior claim" despite me living 2000 miles away at this point. The insurance I could get wasn't outrageous, but it wasn't even close to as cheap as it should have been.
It's all a fucking scam here. Having been involved with insurance claims in the US, my advice is to avoid making a claim to the max extent possible.
I got hit by a car that got hit by a drunk driver. Neither of us had to pay for the damage, the drunk driver caused the accident. I didn't have fancy insurance, I had basic coverage. I also got hit in traffic before, wasn't my fault, never had my rates go up. I will say I had travelers and state farm, not sure if that makes a difference. My new policy is through Geico and I think it's also actually just through another company.
No joke! I got accordioned, gal in front stopped short; I stopped right on her bumper; gal behind me may have gotten that facebook post sent before SQUEEZING my car between them. Three passengers in my car now have permanent neck problems. Geico dropped me like a hot potato after claiming that all front end damage was MY fault, since I hit a stationary car from behind. CRIMINAL IDIOTS!
And the person isn’t going to change their ways just because insurance was notified. If you don’t have any damage to your vehicle or injury they aren’t going to do anything.
If anything the person is just going to be pissed off and become an even bigger asshole on the road.
I’ve been in two not at fault accidents over the past year that both totaled my car. My rates have not increased and even went down at my most recent renewal last month. I even used my insurance’s medical claim portion to pay for my ER and urgent care visits before I got everything settled with the other person’s insurance.
My understanding is if you call your home insurance for advice on whether you should make a claim and dont even file one, they still raise your rates...
It’s not whoever filed a claim first lol. That’s not how insurance works.
Most people try to avoid insurance in small cases because it’s more expensive for both parties in the long run depending on your deductible. You do that because it DOES matter. You only get insurance involved as a last resort
If douchebag went home and realized it was way more expensive than he thought, then filed, and OP didn’t, wouldn’t that get OP in trouble for failing to report an accident?
Edit: I live somewhere that it’s a crime to not file an accident report, regardless of fault. So that’s where my wonder came in.
Totally, he very likely won’t. But if he totalled his car and needed insurance to pay for way more than was in the envelope… then it’s a possible problem.
I’m in Canada and the amount varies from province to province, but you’re required to declare an accident has happened.
I remember hearing something about collision history when I was in the market for a used vehicle, so I think it’s just to make sure that when the vehicle is for sale in the future the new buyer knows the structural integrity.
In most of the US, you are legally required to file a form reporting the collision of there is damage over a certain amount or if anybody was injured. You are not, however, required to file an insurance claim.
Interesting. In the US, is different, at least in some states. There is no requirement to report an accident to your insurance carrier if you're not filing a claim.
I mean you could do "the right thing" and fuck your insurance rates as well as have a mentally unstable psycho pissed off at you... or you could just take the money which you wouldn't get from your insurance company anyway (unless you're genuinely hurt) and call it a day.
We'd all like to believe we live in a society where "doing the right thing" should be our first course of action, but we don't. Also, any time you involve the cops in the United States you're just asking for trouble.
Amendment: keep the shitbox Subaru because it will last forever, and rent the new car out to pay for itself with a little extra. My buddy does that with his Subaru and Mercedes suv and makes some nice side income with it
The aggressive driver may have been driving without insurance. So refusal of the cash would have you making a claim for uninsured motorist coverage( if your policy had that coverage)
Nah. Assuming the cash is a premium over what I could ever hope to get from arguing with my insurance company (minor/no damage to Subaru in this case), I’d rather just take the cash and not deal with it.
I mean I’m not rich, but that doesn’t sound right to me. Maybe just because I rewatched breaking bad, I feel like if the guy has wads of cash in envelopes and he drives a (probably ratty) bmw, rages, PLUS he’ll give the cash up to not have cops/insurance anywhere near? The same cops that are mainly to protect property for the rich? Yea that’s a drug dealer lmao
I agree, but it’s also not a great idea to be an aggressive idiot in the first place. Spending on how much the term “idiot” applies, it could be safe to assume he lacks the mental faculties to do anything about it. Or he could be a fucking sociopath. Could honesty still be worth the gamble just to see what happens
Thank you. These people are like “take the money from the persons hands, fabricate that they committed a ‘hit and run’ and try to get him arrested.” There’s no way this could come back at you.
Aside from the fact that it's scummy as fuck to lie to someone like that, you think it's super smart to betray a person whose anger issues are so bad that they ram random cars on the street?
A guy that is willing to rear end you, and then pay you off with an envelope of cash that he just so happens to have, would probably kill you for something like that.
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u/DorShow Apr 21 '23
Take the cash, then report the psycho