What do I do? I had a car accident but no insuracne and no police report. Now I'm being asked to pay for unreasonable damage.
I was involved in an accident and I have no insurance. I exchanged my info with the man driving and I told him to put his son's info down as well but he didn't. His son was driving but seems to young to drive. We did not fill out an accident report and there were no injuries. There was one dent about a 12 by 6 inches but right below the dent there was substantial rust. The man called me and told me that there was $2400 worth of damage because some part has to be replaced. However, I think that I'm only liable for the dent. just to check, I pulled out a blue booked and the car only books at $2000. What are my rights?
Usually, when there is an accident, you want to make sure the police come to the scene to make a report. This was there is some clarity as to fault and the parties can then have an idea as to whether they want to pursue insurance or handle it themselves. If no report is made, then it is a he said she said case as to who is at fault. Since no officer came to the scene and you are being asked to pay money, you have a few options: 1. pay the amount the driver is asking so he does nto go to your insurance company, 2. workout a compromised amount that you will pay and 3. deny liability and force him to prove his case. If you force option 3 the insurance companies will get involved, and they will have to determine fault. However, you may not have to pay for the rust. I suggest you factor in the increased insurace rate exposure you have if you think you may be at fault here, and pay $1800 to settle.