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Just had a small accident :(

T

todd2000

macrumors 68000
Original poster
Nov 14, 2005
1,632
34
Danville, VA
So im at the Mall and I turned down a row of parking spots, and some women just Backed up into the front of my car. I didn't see any back-up lights, and didn't realize till it was too late. I slammed on the horn and she stopped. The front passenger side fender on my car is slightly pushed in, theres no noticeable damage on her car. Of course silly me didn't have my Insurance card in the car, we just exchanged Names/Numbers etc... I don't really know if it's even worth fixing. Who would be at fault in this case? I drew a little picture to clarify

A = Her Car
B = My Car

The little X is where she hit me
 

Attachments

  • accident.jpg
    accident.jpg
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Typically it's the person backing out who is at fault, but since the police were apparently not called, it will up to the insurance companies to work it out and assign the blame.
 
I thought the accidents on the parking lots are treated differently than the ones on the public roads. Can a cop still write a report on the non-injury accident in the parking lots?
 
WildCowboy said:
Typically it's the person backing out who is at fault, but since the police were apparently not called, it will up to the insurance companies to work it out and assign the blame.
Click to expand...

And that would likely mean you're not going to get a 100% at fault for either party. That wouldn't help to keep either of your rates down, after all.

Glad everyone's ok and hope it didn't wreck the start of your weekend.
 
thedude110 said:
And that would likely mean you're not going to get a 100% at fault for either party. That wouldn't help to keep either of your rates down, after all.
Click to expand...

Which is why Im probably not going to bother with Insurance. You can't even really notice the damage unless you know where to look, and what your looking for.


thedude110 said:
Glad everyone's ok and hope it didn't wreck the start of your weekend.
Click to expand...

Yeah were both fine which is the main thing
 
todd2000 said:
Yeah were both fine which is the main thing
Click to expand...

Is the woman going to report it to her insurance? You never know what's going to happen if the other person is a little nutty.

A friend of mine recently got broadsided by a guy backing out of his driveway. The guy first claimed that he had been stationary and that my friend at hit him. It's not clear how one would be able to impale one's car on another one broadside. The guy then changed his story and said that he was pulling out of his driveway forwards, which fails to explain why it's the rear end of his car that's damaged. Meanwhile the whole thing is tied up in the insurance rigamarole as the companies try to assign the blame.
 
todd2000 said:
Which is why Im probably not going to bother with Insurance.
Click to expand...
Unless you are SURE the other party won't contact their insurance, you should probably still inform your insurance. 'cause if the other party notifies theirs and gives your name to them they will do everything they can to find you and make sure your insurance shares the bill.

B
 
balamw said:
Unless you are SURE the other party won't contact their insurance, you should probably still inform your insurance. 'cause if the other party notifies theirs and gives your name to them they will do everything they can to find you and make sure your insurance shares the bill.

B
Click to expand...

I don't see any reason for here to contact her insurance, her car was fine. If I were to contact my insurance what would they do? This isn't going to be a negative thing for me right?
 
todd2000 said:
I don't see any reason for here to contact her insurance, her car was fine. If I were to contact my insurance what would they do? This isn't going to be a negative thing for me right?
Click to expand...

Did you see WildCowboy's message above?

These kind of things can turn messy even when the damage is minimal.

B
 
todd2000 said:
I don't see any reason for here to contact her insurance, her car was fine. If I were to contact my insurance what would they do? This isn't going to be a negative thing for me right?
Click to expand...

If it is like all of the others they will raise your rates. They don't care whose fault it is. Not anymore. They have to pay for the Katrina disaster, everyone is paying for that. They will offer to pay for the damages and get it from the other insurance company, but once they give you money they up your rates.

My insurance company tried to pull that on me. Just call them and ask them. It seems that since they were the ones backing up they should be at fault not you. Even if it was at the beginning of the parking lot.

My mother hit this lady's car door that she had just opened and it was my mothers fault, not that lady's. So I assume (take this with a grain of salt) that it would be their fault, but don't contact your insurance company under your policy. Just call them and ask them that question on whose fault it is.

The other guys insurance company was going to blame it on me (though I was just sitting at the corner in a traffic jam) but I fought it and without my insurance company giving me any money. GL
 
savanahrose said:
If it is like all of the others they will raise your rates. They don't care whose fault it is. Not anymore. They have to pay for the Katrina disaster, everyone is paying for that. They will offer to pay for the damages and get it from the other insurance company, but once they give you money they up your rates.

My insurance company tried to pull that on me. Just call them and ask them. It seems that since they were the ones backing up they should be at fault not you. Even if it was at the beginning of the parking lot.

My mother hit this lady's car door that she had just opened and it was my mothers fault, not that lady's. So I assume (take this with a grain of salt) that it would be their fault, but don't contact your insurance company under your policy. Just call them and ask them that question on whose fault it is.

The other guys insurance company was going to blame it on me (though I was just sitting at the corner in a traffic jam) but I fought it and without my insurance company giving me any money. GL
Click to expand...

.. WHat insurance company do you have? *makes mental note to avoid*

I've been in a fender-bender that was another party's fault and I never got my rates raised.
 
Parking lots are dangerous. If I pull into a parking lot where the parking rows are too close together, I will cautiously leave the lot and never return.
 
MACDRIVE said:
Parking lots are dangerous.
Click to expand...

For whatever reason, people seem to think of parking lots as spaces where the normal rules of driving are suspended.

Maniacs in parking lots. Or normal people in parking lots.

Whatever. A pet peeve.
 
thedude110 said:
For whatever reason, people seem to think of parking lots as spaces where the normal rules of driving are suspended.
Click to expand...

The most dangerous lots are the ones where there are multiple cross aisles with no signage at any of the intersections, making it impossible to tell who has the right-of-way. I once saw two accidents happen in the space of five seconds at intersections in a parking lot like that. Within a few months, that parking lot was reconfigured.
 
I'd always contact my insurance company just in case. Hell, I'd even contact the police. You're not supposed to call them if the damage is less than $700, but considering how even something like a bumper costs like $1500 to replace (all Canadian dollars, folks), I think any damage to a car is likely to be over $700. :eek:
 
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