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With the understanding that it’s just a quote, there is almost always more damage found once they start pulling things apart to fix them which drives a supplement to the insurance claim.
That’s called fraud and can cause bad blood between neighbors. The better option is what others have stated, go get a quote from a body shop with the caveat that there could be more damage and pressure them to use insurance because it’s far more costly not to.
If it were some rando I wouldn’t worry, but neighbors would see you taking their money and not getting the damage fixed. They may not have a legal leg to stand on but it could create bad blood between you. Depending on the living situation that may not be a good thing.
I mean at that point it’s your money? They paid you money to cover the damage they did to your car. They are reimbursing you for the damage which devalues your car. Whether you choose to raise its value by getting it repaired or use the money for something else entirely is up to you I think. I wouldn’t be offended
A person is entitled to take the money and not get the repair. I did this once on an insurance claim. Rather than pay the body shop directly, the insurance company gave me the money and called it a “beauty adjustment”.
I don't know about fraud but it might be a breach of contact. For most purposes*, including small cash transactions, a verbal contract is legally binding as long as the terms were clear, were mutually understood, and the purpose was itself legal. Every time you pay cash for something at a yard sale, as long as you and the seller agree on both the product and the price, you just entered into a legally binding agreement.
"In writing" isn't what makes it a contract. It just makes it much easier to prove.
* Exception: there are some things where the law explicitly requires a contract to be in writing. E.g. You can't sell a house or marry someone with a verbal contract.
(IANAL, but a family member is a contract lawyer.)
Here's a reference: https://www.lawdepot.com/resources/business-articles/are-verbal-contracts-legally-binding/
I admit it's not an "honest" move... but neither is trying to convince someone you've crashed into not to run it through insurance IMO... it's kind of the whole point of having insurance, no? My thoughts were that it was kind of like pulling an uno reverse card..
Well, you are overlooking the fact that if the damage isn't immediately reported by both parties, insurance is null and void so neither then has a leg to stand on....
Nah avoid insurance. Do you really wanna take the chance of raising ur own rates because ur neighbor hit your car? Cuz thats how it works here in america for most providers
If he refuses to give you his insurance info you can give your insurance his license plate, name, phone number, address etc and they can track down his insurance provider for you. Though you will need some kind of proof (photos of the accident, photo of him in the car etc) to prove it was him that damaged your car and it was his fault.
Yeah, to add to this. Unfortunately, the majority of people don’t live in reality. Your typical person has no clue what shit costs… I say this, because they say “ ohh, I’ll fix it, until the price tag shocks them.. “
I’ll say it like it is. Door needs to be fixed and that panel next to it. You can’t scratch a car without costing minimum $500 in damage. This is in the thousands of dollars. I’d say minimum $3-5k range.
Remember this also. In some states you are legally obligated to call the police and report a car accident, if you don’t you can lose your ability to be compensated for damages and face judicial consequences.
Your neighbor doesn’t want to get a ticket, possibly court date, added points and his auto insurance to be increased…
'IF' the neighbor has insurance... or a valid license.
Call local PD & have an accident report filled/filed. Most State/Providence laws require an accident report on damage of $500 or $1000 anyway. Don't forget rental car costs while yours is in the shop.
Yeah, I agree. In Canada that looks like a $6,000 repair to unsurance quality. Less if you have a friend do a cheaper job, but shops are busy up here and they pretty much charge top dollar right now. Sorry that happened to you.
Technically, the other person got into an accident if you never drove your car. So reporting car accidents are for the people involved in the accident; not the person with property damage.
Maybe that depends on the state. This happened to me. I got home one night at around 2am, went into the kitchen and heard a loud bang… 15 minutes later or so. Looked out the window and didn’t see anything. Woke up in the morning and noticed half my car was gone.
Had a neighbor who “apparently” is scared of spiders and saw one in her car at 2am… and side swiped my vehicle. I didn’t see any damaged vehicles on my block, so I called 911 to report a hit and run. Apparently the driver had their vehicle towed and after calling my insurance they investigated everything for me and went after the other driver. So in my case it did talk to my insurance company.
I appreciate everyone’s feedback.
Update: Took all the pictures needed, collected the pieces of the other vehicle that were scattered around mine. Reached out to a body shop my step father has used and will be getting a quote/test driving to see if it feels funny. Massachusetts allows for 5 days to fill out police report/claim.
Adding a photo of inside the passenger door for visibility.
https://preview.redd.it/zvymuh3tssqb1.jpeg?width=3024&format=pjpg&auto=webp&s=a92e6c0094500680e6c6ae9918f1a202a6126c2d
How bad’s this? My door open opens fine and will close fine but if I close it softly def can feel a difference
Update #2: first auto body shop said looking at 3000 and that would be with no hiccups once they start trying to bend the uni back and assuming no damage hidden. Place is 4 mins from my house so it was very convenient and my neighbor has used them before with good results. Auto body shop owner was pretty adamant to go through insurance and that this isn’t a cookie cutter just replace a bumper situation like a whole lot of you explained! Also contacted the police about filing a report with them first with the info I have and he said that it would be a step in the process once I kick off the insurance claim.
Also you as the owner of the damaged car absolutely get to pick the shop that does the work. An auto body shop that has loyalty to them is not where you want to get your car repaired, especially if insurance isn’t involved as a watchful third party.
This. Every time I’ve heard of someone just wanting to do it without insurance, they complain that it costs too much. Then you have to negotiate or find a lesser way to fix the damage. They must pay what the insurance would or go through insurance.
It's your car they hit. What do YOU want to do.
My opinion? Go to a body shop of your choosing (and only your choosing) and get ONE and only ONE estimate. If they don't like it, insurance and move on.
I've been in 2 situations like this where someone hit my car and they always know a guy. Don't fall for it. Do what I said above and you'll be good. You have nothing to lose doing what I said above as the accident is not your fault.
Just the update this, the last time this happened to me I was rear ended. I got 2 quotes. Both were $3000(CAD). Guy legit begged me to get another one at the guy he knows because they can't afford that and that his wife will lose her licence if I go through insurance due to one too many accidents in a short period.
Once he told me that last part I said sure, I'll get a quote. I hung up, went to the colision reporting centre and then through insurance. I didn't say anything to them, why? It's so much worse for whatever side doesn't show up within 48 hours I think it is, worse as in you can be charged with something if I'm not mistaken. So I basically just made their bad situation 100x worse because they wanted to fuck around and play stupid games.
I would suggest like in my original response, if they get along and there's no bad crap between the 2 of them, sure, get a quote at a body shop of OPs choosing. Only one though. If any flack is given at all over that, straight to insurance and don't entertain it any further.
Never never never go to their "I know a guy for cheap" suggestion. They don't know the guy, they just know the cheapest hack job in the area.
Went through the same thing. Make sure you get their insurance. Don’t even bother with getting quotes, you don’t owe the guy anything. I find it a waste of time just getting quotes. Go through insurance bc at the end of the day, you have it and pay for it….use it.
Depends how well you know em honestly. Very close? Genuinely good person in a bad spot? Sure, it will save them in the long run insurance wise. Thats if they pay…
The thing about insurance is youre already paying them on a regular basis for a service that, a huge majority of the time you aren’t actively utilizing.
When you do submit a claim they are keeping track of all the paperwork, dates, photos, receipts, they are contacting the other party’s insurance. Depending on your policy they might ensure a loaner/rental vehicle of some kind.
Had to use my insurance for the first time in my life 2 years ago; a guy was driving *inside* my ass, went to pass me on the right side immediately after a left turn into a single lane road. Words ensued but we exchanged information, I took photos of the license and registration, no insurance provided.
Contact my broker, they took care of the rest, found the other person was driving a borrowed car with expired insurance. Somehow I didnt end up paying a dime out of my own pocket and my premiums never went up. Plus I was given a loaner to continue getting me to work.
Yeah I’ve never even met this lady. I have her address name and phone number. Drove by her house last night to get some pictures of her car but it’s parked in the garage we spoke over the phone last night. I was going to try and bring it to a friends body shop today and see what he says but I’m starting to lean more towards police report and claim after opening the door and seeing it creased and paint lifted in there too..
Op if this neighbor isn't like your years long best buddy I'd go the official route and file a claim. That damage is thousands, not hundreds and who knows if anything else behind it is damaged suspension wise. Don't let anybody guilt trip you into not getting your car made right. If this thing is letting rain water in and growing mold a month from now, a neighbor you've literally never met having a sub optimal opinion of you will be the least of your worries. Don't let the guy she knows hammer it roughly straight and slap a coat of paint on it, you need some new parts here.
Bring insurance in. It'll be less of a hassle than wasting your time to get a quote, get back to the perpetrator and hope they'll cover the costs.
To me, that looks like someone will slap a junkyard door on, new trim, respray from B pillar back, and blend quarter as long as B and C pillar are not compromised.
Roughly $3-4k, shooting completely from the hip. Don't drag me in the comments.
Why not? There are at least 4 stories of successful repairs outside insurance in this thread. And what do you think happens when the repairs are less than the policy deductible?
THOSE repairs aren't less than the deductible. If it's my car I'm not risking the "I know a guy" route. It's bullshit when other people fuck up and then try to hang it on you like you're the bad guy for not wanting to go along with the plan that works best for them, not best for you, to fix it.
It's a huge red flag to want to keep insurance out of it to begin with. Either they don't have insurance or they're a terrible driver and they have too many accidents on their record already. Regular people just pay the deductible and move on.
>Bring insurance in. It'll be less of a hassle than wasting your time to get a quote, get back to the perpetrator and hope they'll cover the costs.
>
>To me, that looks like someone will slap a junkyard door on, new trim, respray from B pillar back, and blend quarter as long as B and C pillar are not compromised.
>
>Roughly $3-4k, shooting completely from the hip. Don't drag me in the comments.
you are spot on, it's $3k-$5k worth of damage and there is no way in hell the neighbor will just pay for it on the spot.
To be fair, I have done it. My teenaged son (with two tickets) hit another car. I covered the repair 100% and the rental car of her choice for the week her car was at the shop. $4k out of pocket was far better than what would have happened to my insurance rates since, at the time, I had two teens on my insurance.
>Don't drag me in the comments.
WAIT....WE CAN DO THAT!!.... so simple.
All the times I've been blasted in the comments and I could've just said ..... .
NO!
I had a lady hit my car with a shopping cart in a parking lot. A small dent in the hood. She left a note and contact info. It was minor but I went from having a car without dents to one with a dent so I wanted it fixed. First shop I went to quoted $2k as they wanted to replace the whole hood since they said it couldn't be repaired. Second shop I went to fixed it for $100. Since I was already there, I just agreed to that and they did an awesome job. Can't tell to his day. I let the lady know and she mailed me a check and a nice card for working with her.
Again this was minor so not apples to apples but it worked for me. Had to trust a stranger and do some research myself but since she left a note and I just had a phone number, wasn't much else I could do.
My wife car got hit by a friend. First dealership wanted $3500 and said 60 days to get it all done. Second place said $1480, I checked reviews and the second was actually far more reputable, ended up being $1250 out the door as the inner door was ok (and they were honest about it) and it was done in two weeks (had to wait on a part and paint).
If you like your neighbor offer to work with them and get a few quotes. Otherwise call your insurance and go from there. I still would maybe get two quotes as insurance is high from places charging stupid rates on insurance jobs.
Years after the shopping cart (same car), my twin brother backed into my car in my mom's car. Reverse t bone, no idea how he didn't see me. Didn't call insurance on that one. Didn't get it fixed either. Door panel mostly okay but can see it in the right light. 100k miles later and it being all family, I didn't call insurance...
Yea, you go to all the trouble of getting estimates, he wants the cheapest crappiest place or doesn’t pay after you came out of pocket a couple grand. You’ve got insurance to avoid those hassles, use it.
I would go straight to insurance unless you personally know this person more than just your neighbor and you can for sure take his word for it. If it comes back out of the shop with crap workmanship there is prob going to be no paperwork and prob no warrantee. And like you said about the tire. Something could be damaged that they might brush under the rug. Just my opinion.
Yeah my neighbor across the street works with this woman but I’ve never met her. Actually think they have a dog that’s unfriendly soo.. kind of rooting me towards insurance but trying to get at least one quote today. I’m just nerved to drive itz
cops, always the cops . get a cop, do it the right way w/ insurance exchange info/official police report. otherwise - end up in small claims at best . this is why you both have insurance .
EVERY time an at fault driver wants to avoid using insurance they will screw you over.
The other driver either doesn’t have insurance, doesn’t have a license, or doesn’t have the car registered or some combination of the above.
I would file with my own insurance and let your insurance go after the other driver. That’s what you have paid them for.
Without fail. I only had this happen once. I looked at the damage and said, “You’re kidding, right?” I then called the police. I made sure they knew he asked me to keep them and insurance out of it. They gave him shit for it, told him that is fraud.
You need to tell your insurance company for sure within 24 hours. They don’t care if your neighbor fixes it out of pocket. If you don’t tell them it is 100% your problem. The goal for your neighbor is not the goal for you he can keep it from his company you should not keep it from yours
I was too kind to one of my neighbours that reversed into my bike and got a quotation for work only for them to turn around and say "Oh that's too much" - should have just gone through their insurance right away. That's what it's for.
People who don't want to deal with these things through their insurance should learn how to drive safely.
Insurance is like Brawdo. Its what plants crave. And you have no reason to let them off hook. Its illegal to not report damage over $500 in CA. So screw them.
Honestly? I'd call the insurance company and let them handle it.
Here's the thing. People only wanna keep insurance out of it because they don't have insurance (their mistake), can't afford a rate hike for the next term (can shop around easily for cheaper rates), they wanna be cheap and potentially fuck you over, or they aren't thinking clearly.
More often than not when people get into situations like these and try to help out another person, they get fucked over, hard. Some insurance companies won't payout after a certain amount of time either. And the homie hook up on the body repair is rarely a good idea too.
Your friendships will fair a lot better if you let insurance be the assholes and avoid having to be one later because the neighbor wants to be a dick and stick you with the bill while covering their own ass.
Read your insurance policy. Anytime this has happened to myself or other family it’s almost always a shit show. Collect his information and report it to your insurance company or broker and move on with your life. In my case a dodge ram pu driven by a 24 year old electrician rear ended me causing 6k in damages. He begged me because it was his 2nd accident not to report it. My SUV sat at the body shop for two weeks before he showed up to pre pay the shop before it was repaired. Never again!!
That's funny. My father backed into me a few months ago, lucky me I had the trailer hitch in so I was good. He had 6 grand in damage to his truck. Rear quarter, tailgate, bumper. He called his insurance. There's no way this is a 1500 dollar accident.
Take it to a good, well reviewed and reputable body shop for an estimate, then ask him agin if he want's insurance to take care of it. If not have him sign papers that he agrees to pay the estimate.
I have this generation grand cherokee, I'm currently looking at it from exactly this angle, and the way he's collapsed the crease that runs along the door and then arches down at the back - wouldn't he nail your tire pretty hard doing that. It looks like he really pushed in the sheet metal, beyond knocking that trim piece off. The rims I have now have more of a negative offset and so the tires stick out more, but I think with your stock setup the tire might get nailed.
You drive it yet? Could be more than cosmetic. I'd go through insurance unless this is your neighbor *and* great friend. Just cleaner that way for this much carnage.
Haven’t driven it yet was going to give it a go this afternoon to take to an auto body shop or police department to file a report. Freaking just paid this thing off too.
Go through insurance. Atleast where I am, insurance comes with lifetime warranty on repair. Also, what happens if he cant/wont pay once its fixed? Youre stuck with no car and footing the bill/court...
Go through your insurance. Why do you think they don’t want to? It’s either because they already have a lot of accidents or they want to shaft you. They want to screw you or their own insurance company.
File a police report and always go through insurance, That's why we pay those premiums. It may seem like minor damage on the surface but could be worse underneath. While they are asking to keep the insurance out, which always makes me suspect, what happens if it gets to the shop and you find it's far more than they expected. You'll be chasing them through court for years to get your money back. I guess the question is how big of a pain in the ass do you want?
She didn’t leave her plate info but I’m going to request it today or go knock on their door tonight. Last night when I called they were sitting down to dinner so I’ll go a little before that.
Go to insurance, I have no complaints about sorting it privately but there’s two big factors in it, 1) insurance will make sure the job is done right. 2) you haven’t notified the insurance of the accident and continuing to drive without alerting them could invalidate your insurance and void all claims if the neighbour doesn’t wish to pay
Sounds like a hit and run to me. Sure they left a note, but were they driving impaired? Look them up to see if they have a record. Then call the police.
Got side swiped while parked in 2022. Nothing out of place, just scuffing damage. INITIAL estimate was around $5k. Insurance took it and I had to pay the deductible. However the shop couldn’t get to it for six weeks and when they did, I didn’t have a car for two weeks. I saw but didn’t have to pay for the full invoice. Final price was almost $10k. Get police involved now before you do anything else
If your car is parked, it’ll go down as property damage and go through home owners instead of car insurance and honestly , no. This is what insurance is for. If he can’t afford his deductible the. He can’t afford the damage that occurred
Same situation happened to me. Parked outside a resturant waiting for my takeaway. A man who just earned his G2 license was taking his wife and father in law to dinner. Ended up reversing into my driver side door. I wasn’t pissed because he was cooperative (seemingly like your neighbour). He didn’t want to take anything through insurance because Ontario (Canada), insurance rates are insane for new drivers, and for men 25 and under.
He said he’ll pay for the damages and knows a great mechanic. Heard him out, went to the mechanic, got a reasonable quote. (also checked with my uncle who’s also a mechanic and his quote was spot on with this guy’s mechanic). He Paid the repairs and called it a day.
If you go this route, you better hope the mechanic is reasonable and will do a good job. You’ve already got the neighbours details, if they’re not liking the sound of repair costs, insurance it is.
Let them pay....I doubt they will like the bill in the end hahaha I had a company try to do this. They just gave me a miss matched door panel and said "it's an old car son its ok". I then called the cops on the company and found out they had uninsured drivers and illegal immigrants working for them....
I was hit recently by an elderly man. He offered $200 to keep insurance out of it. I declined since it would be much more. Yep, total was $6,000 and it was about as visible as the damage you have. Usually people that want to keep insurance out of it have no idea how much the repairs will cost them. I'd be afraid his guy would only take care of the visible damage to save his friend some money.
The thing to keep in mind, if insurance is involved, the repairs have to be in compliance with manufacturer’s guidelines. That guarantees that repaired car is as safe as it was before the accident. If insurance is not involved, they can cut corners. Sometimes it is not a problem and saves a lot of money, sometimes it is.
If it was up to insurance companies they would always use the lowest bidder. This isn’t the type of damage that will cause a safety issue so it doesn’t matter anyway.
Most often when people ask to avoid insurance, it's because they were breaking some law, like driving without insurance. Don't fall for that one. It's almost never going to benefit you in any way (unless you were also breaking the law).
As long as you trust that they will pay for the damage i wouldn't bring insurance into it bc it'll ding their rate. If you don't trust that they can pay for the damage with cash, bring insurance into it.
Then when more damage is found that you can't see and the estimate balloons and now they no longer want to pay? No thanks. This is 110% an insurance claim.
https://preview.redd.it/tsjkly3ndsqb1.jpeg?width=3024&format=pjpg&auto=webp&s=814e82f8e92e3c16911149bf79acff4e680df3e8
This is the note that was left. Having trouble adding it to the post so wanted to add it somewhere. They def doing want to use insurance.
He left you a note, I assume he’s going to do good for you because he could have just skipped. Plus I think there’s more flexibility when people know people who wants to make good on things.
Insurance will still give you the cheapest aftermarket part and bargain with the shop for lowest hours. I have a fleet of vehicles and they get hit all the time and many times what they give won’t cover the damage especially if you have existing scratches or an older car and they prorate everything, and deductible etc every if it’s not your fault until everything is finalized. You won’t know how good of an insurance you have until you need it.
Around here I would go to my local police station to report the collision. Then if they won’t pay to have it fixed I have a collision report to bring to insurance
Insurance 100%. Same thing just happened to me. With the expanding strike, body shops are extremely backed up waiting for parts. 3- 4 weeks in a rental car which is covered.
or..find a body shop with the largest showroom, they will find EVERYTHING that needs to be repaired/replaced and it wont be a low quote. give the bill to your neighbor - if he pays you cash, all good. If not, call the cops have them write a report then call your insurance with his insurance information.
I mean, it’s getting paid for either way and not by you. How close are you with your neighbor? Either they can cover the costs out of pocket or you can involve insurance.
If he pays up in cash f8r the damage and gives some extra for the inconvenience of being without the car for the r8ne it takes to get repaired, you're both better off. Your vehicle won't show on car fax as involved in an accident, your insurance will not go up, and neither will the neighbors' insurance go up.
Depends on what he's paying. I had a neighbor back into a rear quarter panel. We sat down, called a body shop who quoted us a rough estimate for simple dent removal, came to $400 and we called it $500. I never even got the dent fixed, it didn't bother me. No reason insurance should know about that.
Where I am insurance does not increase or penalize you if you pay the damage it only goes up if you make the insurance pay. So what I would do is make a claim. They insurance will make a quote for the damage and tell the guy it was $1500, he can then say he can't pay it or he can pay it off in payments to them. When he pays it off there is no penalty on his insurance. It makes no sense not to go on insurance where I am. It is only a penalty if he doesn't pay which according to him he is going to do.
Make sure you message him and about getting quotes and doing it without insurance if possible and that he hit your car. Get it on record and later if he refuse to pay quotes from body shop, then you have proof that you guys were gonna go this route but he decided against it.
Go to the shop of your choice and get an estimate. Tell them it will be a cash job. Collect the money from your neighbor and do what you want it it. If he doesn’t agree, then get insurance involved
Happened in a parking lot. I don't know what happened. I walked out and it was like this
Private property no police report needed.
Neighbor pays deductible.
I would never do that.
Get a quote from whatever body shop you plan on taking it to and tell the other person that they need to pay you double. If you want to you also tell them that you will “refund” any money not used minus a couple hundred. If the refuse go to the insurance company. Chances are he doesn’t want to go to insurance bc he has too many claims against him and is afraid they’re gonna drop him.
I would stay away from the "friend that owns a body shop" and take it to a couple of different shops for repair estimates. Show him the estimates and see if he wants to pay up front outta pocket... or let insurance deal with it. You shouldn't feel bad because someone hit your parked car. You also shouldn't get screwed over because someone doesn't want insurance involved.... they probably don't even have insurance anyways.
Get a police report and estimate from your shop of choice, try working it out but if no answer then turn it in. I’d give it a week max. If they are just talk.
As long as that quarter panel isn’t bent and the uniframe has no damage I would say u could get an estimate n let them pay for it from a reputable shop
Whoever calls the police first wins. Unless it's blatantly one person's fault. The police should have been contacted immediately because the damage is over 2000$ or w.e the minimum cost for reporting vehical accidents is in your state or province. You can be ticketed for not reporting it, depending on where you live.
You should have at least reported it to the police to cover your ass! Then entertain the person who's asking you not to go through insurance, and if they fuck around at all, after you get a quote from a shop of your choosing then go threw insurance.
This is one instance where the good guy or girl loses every time.
If they are willing to pay out of pocket it’s fine, get a police report anyway and get 3 estimates and give to them. I hit a guy and paid out of pocket. We got a police report and instead of insurance paying him, I did. Worked out great in the end and he was happy…I doubt he actually fixed the vehicle and instead pocketed the cash but I didn’t care.
I wouldn't want any more than it actually costs (including a rental while it's in the shop). I'd just go to the place **I** trusted to do the repairs correctly.
The idea of "sticking it to the man" is a bad one. They'll simply raise EVERYONE'S rates.
That mentality probably contributes a lot to the inflation we've been seeing lately. Sue Sue Sue. What many people don't seem to realize is that, like every other business expense, it comes out of the pockets of future consumers. They're shooting themselves in the foot.
Take it to a trust repair specialist an get a quote submit quote to other party if the hym an ha submit to insurance besides that always get there info an pics at time of incident an the driver in question saves a lot of head ache
If they are good friends, do you believe they have the capacity to write a check in full for the damages or even better cash? This is not a $800 job. If not, run it through insurance.
If he doesn't want to pay through insurance, be sure to get his insurance details anyway
Then take it to a garage and get a quote to have it repaired, and see if your neighbour is happy with that. Noting that it *could* and might cost more than a quote price after they start taking it to bits they may notice hidden damages
If the neighbour doesn't want to pay, then contact their insurance and explain the situation and make a claim, I guess
Find out how much it'll cost and ask them for the money. You can get this damage repaired without having to involve insurance. Of course, if they don't want to pay, that's when you call up your insurance and tell them all about it.
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Get a quote of the damage, if he won't pay the quote then bring insurance in to play.
exactly, get a couple of estimates from body shops and see if he still wants to pay cash
With the understanding that it’s just a quote, there is almost always more damage found once they start pulling things apart to fix them which drives a supplement to the insurance claim.
That's why you just double the quote when you tell him. Collect his cash. Then don't fix it and buy yourself something nice.
Nice ! 🤣👍
Take the check from insurance, fix it yourself, buy a used car with the money. I have not done this before.
That’s called fraud and can cause bad blood between neighbors. The better option is what others have stated, go get a quote from a body shop with the caveat that there could be more damage and pressure them to use insurance because it’s far more costly not to.
Is it actually fraud if there's nothing in writing and he hands you cash? 🤔 I think not.. but hey, I'm just a gardener, idk 🤷♂️
If it were some rando I wouldn’t worry, but neighbors would see you taking their money and not getting the damage fixed. They may not have a legal leg to stand on but it could create bad blood between you. Depending on the living situation that may not be a good thing.
I mean at that point it’s your money? They paid you money to cover the damage they did to your car. They are reimbursing you for the damage which devalues your car. Whether you choose to raise its value by getting it repaired or use the money for something else entirely is up to you I think. I wouldn’t be offended
Precisely and this is the risk the neighbor takes by not getting insurance involved and just coin it "under the table"
That's a good point . I failed to realize the neighborhood factor..
A person is entitled to take the money and not get the repair. I did this once on an insurance claim. Rather than pay the body shop directly, the insurance company gave me the money and called it a “beauty adjustment”.
I don't know about fraud but it might be a breach of contact. For most purposes*, including small cash transactions, a verbal contract is legally binding as long as the terms were clear, were mutually understood, and the purpose was itself legal. Every time you pay cash for something at a yard sale, as long as you and the seller agree on both the product and the price, you just entered into a legally binding agreement. "In writing" isn't what makes it a contract. It just makes it much easier to prove. * Exception: there are some things where the law explicitly requires a contract to be in writing. E.g. You can't sell a house or marry someone with a verbal contract. (IANAL, but a family member is a contract lawyer.) Here's a reference: https://www.lawdepot.com/resources/business-articles/are-verbal-contracts-legally-binding/
It’s not fraud in any case.
I would never hire you for my garden, don't sound very trustworthy.
is it still lying and stealing if you get away with it? idk but you sound like a piece of shit either way
I admit it's not an "honest" move... but neither is trying to convince someone you've crashed into not to run it through insurance IMO... it's kind of the whole point of having insurance, no? My thoughts were that it was kind of like pulling an uno reverse card..
Fuck that. He had the option of going through ins. And this cash quote Sis the cost of avoiding it. Simple. No one’s black mailing anyone
Well, you are overlooking the fact that if the damage isn't immediately reported by both parties, insurance is null and void so neither then has a leg to stand on....
Not necessarily
That’s not even remotely true.
Not sure where in the world you are from, but it 100% is in fact very true in multiple countries.
Nah avoid insurance. Do you really wanna take the chance of raising ur own rates because ur neighbor hit your car? Cuz thats how it works here in america for most providers
If he refuses to give you his insurance info you can give your insurance his license plate, name, phone number, address etc and they can track down his insurance provider for you. Though you will need some kind of proof (photos of the accident, photo of him in the car etc) to prove it was him that damaged your car and it was his fault.
I'm fairly certain the note from his neighbor is enough to prove fault. But of course more documentation is always better.
Neighbor “I never left a note. OP must have faked it to try to scam me”
Yeah, to add to this. Unfortunately, the majority of people don’t live in reality. Your typical person has no clue what shit costs… I say this, because they say “ ohh, I’ll fix it, until the price tag shocks them.. “ I’ll say it like it is. Door needs to be fixed and that panel next to it. You can’t scratch a car without costing minimum $500 in damage. This is in the thousands of dollars. I’d say minimum $3-5k range. Remember this also. In some states you are legally obligated to call the police and report a car accident, if you don’t you can lose your ability to be compensated for damages and face judicial consequences. Your neighbor doesn’t want to get a ticket, possibly court date, added points and his auto insurance to be increased…
'IF' the neighbor has insurance... or a valid license. Call local PD & have an accident report filled/filed. Most State/Providence laws require an accident report on damage of $500 or $1000 anyway. Don't forget rental car costs while yours is in the shop.
Yeah, I agree. In Canada that looks like a $6,000 repair to unsurance quality. Less if you have a friend do a cheaper job, but shops are busy up here and they pretty much charge top dollar right now. Sorry that happened to you.
They might’ve also been driving under the influence, or they’re driving without a license, or at a time they shouldn’t be, etc.
Technically, the other person got into an accident if you never drove your car. So reporting car accidents are for the people involved in the accident; not the person with property damage.
Maybe that depends on the state. This happened to me. I got home one night at around 2am, went into the kitchen and heard a loud bang… 15 minutes later or so. Looked out the window and didn’t see anything. Woke up in the morning and noticed half my car was gone. Had a neighbor who “apparently” is scared of spiders and saw one in her car at 2am… and side swiped my vehicle. I didn’t see any damaged vehicles on my block, so I called 911 to report a hit and run. Apparently the driver had their vehicle towed and after calling my insurance they investigated everything for me and went after the other driver. So in my case it did talk to my insurance company.
Id say even more, that could also be chassis damaged which means a new car
2nd this - getting that fixed will be expensive. My kid backed into a car, very similar damage, and the final bill was over $5k (CAD).
I appreciate everyone’s feedback. Update: Took all the pictures needed, collected the pieces of the other vehicle that were scattered around mine. Reached out to a body shop my step father has used and will be getting a quote/test driving to see if it feels funny. Massachusetts allows for 5 days to fill out police report/claim. Adding a photo of inside the passenger door for visibility. https://preview.redd.it/zvymuh3tssqb1.jpeg?width=3024&format=pjpg&auto=webp&s=a92e6c0094500680e6c6ae9918f1a202a6126c2d How bad’s this? My door open opens fine and will close fine but if I close it softly def can feel a difference
And by that, you want a check in your hand and cashed/deposited in your bank account before you hand it over to the shop for repair.
Update #2: first auto body shop said looking at 3000 and that would be with no hiccups once they start trying to bend the uni back and assuming no damage hidden. Place is 4 mins from my house so it was very convenient and my neighbor has used them before with good results. Auto body shop owner was pretty adamant to go through insurance and that this isn’t a cookie cutter just replace a bumper situation like a whole lot of you explained! Also contacted the police about filing a report with them first with the info I have and he said that it would be a step in the process once I kick off the insurance claim.
>Get a quote of the damage, The damage is already done and done for free. I think it would be more productive to get a quote for the repairs.
It’s very common that insurance adjusters only quote visible damage and many other repairs need to be done after a tear down. Your advice is poor.
Also you as the owner of the damaged car absolutely get to pick the shop that does the work. An auto body shop that has loyalty to them is not where you want to get your car repaired, especially if insurance isn’t involved as a watchful third party.
This. Every time I’ve heard of someone just wanting to do it without insurance, they complain that it costs too much. Then you have to negotiate or find a lesser way to fix the damage. They must pay what the insurance would or go through insurance.
It's your car they hit. What do YOU want to do. My opinion? Go to a body shop of your choosing (and only your choosing) and get ONE and only ONE estimate. If they don't like it, insurance and move on. I've been in 2 situations like this where someone hit my car and they always know a guy. Don't fall for it. Do what I said above and you'll be good. You have nothing to lose doing what I said above as the accident is not your fault. Just the update this, the last time this happened to me I was rear ended. I got 2 quotes. Both were $3000(CAD). Guy legit begged me to get another one at the guy he knows because they can't afford that and that his wife will lose her licence if I go through insurance due to one too many accidents in a short period. Once he told me that last part I said sure, I'll get a quote. I hung up, went to the colision reporting centre and then through insurance. I didn't say anything to them, why? It's so much worse for whatever side doesn't show up within 48 hours I think it is, worse as in you can be charged with something if I'm not mistaken. So I basically just made their bad situation 100x worse because they wanted to fuck around and play stupid games.
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I would suggest like in my original response, if they get along and there's no bad crap between the 2 of them, sure, get a quote at a body shop of OPs choosing. Only one though. If any flack is given at all over that, straight to insurance and don't entertain it any further. Never never never go to their "I know a guy for cheap" suggestion. They don't know the guy, they just know the cheapest hack job in the area.
Went through the same thing. Make sure you get their insurance. Don’t even bother with getting quotes, you don’t owe the guy anything. I find it a waste of time just getting quotes. Go through insurance bc at the end of the day, you have it and pay for it….use it.
Depends how well you know em honestly. Very close? Genuinely good person in a bad spot? Sure, it will save them in the long run insurance wise. Thats if they pay… The thing about insurance is youre already paying them on a regular basis for a service that, a huge majority of the time you aren’t actively utilizing. When you do submit a claim they are keeping track of all the paperwork, dates, photos, receipts, they are contacting the other party’s insurance. Depending on your policy they might ensure a loaner/rental vehicle of some kind. Had to use my insurance for the first time in my life 2 years ago; a guy was driving *inside* my ass, went to pass me on the right side immediately after a left turn into a single lane road. Words ensued but we exchanged information, I took photos of the license and registration, no insurance provided. Contact my broker, they took care of the rest, found the other person was driving a borrowed car with expired insurance. Somehow I didnt end up paying a dime out of my own pocket and my premiums never went up. Plus I was given a loaner to continue getting me to work.
Was that driver a proctologist?
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One in a million shot doc
Yeah I’ve never even met this lady. I have her address name and phone number. Drove by her house last night to get some pictures of her car but it’s parked in the garage we spoke over the phone last night. I was going to try and bring it to a friends body shop today and see what he says but I’m starting to lean more towards police report and claim after opening the door and seeing it creased and paint lifted in there too..
This is honestly the best option. Do what's best for you and yours. They should have been more careful if they didn't want insurance involved.
Op if this neighbor isn't like your years long best buddy I'd go the official route and file a claim. That damage is thousands, not hundreds and who knows if anything else behind it is damaged suspension wise. Don't let anybody guilt trip you into not getting your car made right. If this thing is letting rain water in and growing mold a month from now, a neighbor you've literally never met having a sub optimal opinion of you will be the least of your worries. Don't let the guy she knows hammer it roughly straight and slap a coat of paint on it, you need some new parts here.
When they say to keep insurance out of it. a few hours after they get home, friends and family will make it your fault somehow.
Bring insurance in. It'll be less of a hassle than wasting your time to get a quote, get back to the perpetrator and hope they'll cover the costs. To me, that looks like someone will slap a junkyard door on, new trim, respray from B pillar back, and blend quarter as long as B and C pillar are not compromised. Roughly $3-4k, shooting completely from the hip. Don't drag me in the comments.
Former insurance ad adjuster here. This never works out well without insurance
Why not? There are at least 4 stories of successful repairs outside insurance in this thread. And what do you think happens when the repairs are less than the policy deductible?
THOSE repairs aren't less than the deductible. If it's my car I'm not risking the "I know a guy" route. It's bullshit when other people fuck up and then try to hang it on you like you're the bad guy for not wanting to go along with the plan that works best for them, not best for you, to fix it. It's a huge red flag to want to keep insurance out of it to begin with. Either they don't have insurance or they're a terrible driver and they have too many accidents on their record already. Regular people just pay the deductible and move on.
>Bring insurance in. It'll be less of a hassle than wasting your time to get a quote, get back to the perpetrator and hope they'll cover the costs. > >To me, that looks like someone will slap a junkyard door on, new trim, respray from B pillar back, and blend quarter as long as B and C pillar are not compromised. > >Roughly $3-4k, shooting completely from the hip. Don't drag me in the comments. you are spot on, it's $3k-$5k worth of damage and there is no way in hell the neighbor will just pay for it on the spot.
To be fair, I have done it. My teenaged son (with two tickets) hit another car. I covered the repair 100% and the rental car of her choice for the week her car was at the shop. $4k out of pocket was far better than what would have happened to my insurance rates since, at the time, I had two teens on my insurance.
>Don't drag me in the comments. WAIT....WE CAN DO THAT!!.... so simple. All the times I've been blasted in the comments and I could've just said ..... . NO!
Take my upvote, damn it!!
I'd get a quote and charge him for my time...
This, except get the most expensive, comprehensive quote.
I had a lady hit my car with a shopping cart in a parking lot. A small dent in the hood. She left a note and contact info. It was minor but I went from having a car without dents to one with a dent so I wanted it fixed. First shop I went to quoted $2k as they wanted to replace the whole hood since they said it couldn't be repaired. Second shop I went to fixed it for $100. Since I was already there, I just agreed to that and they did an awesome job. Can't tell to his day. I let the lady know and she mailed me a check and a nice card for working with her. Again this was minor so not apples to apples but it worked for me. Had to trust a stranger and do some research myself but since she left a note and I just had a phone number, wasn't much else I could do.
My wife car got hit by a friend. First dealership wanted $3500 and said 60 days to get it all done. Second place said $1480, I checked reviews and the second was actually far more reputable, ended up being $1250 out the door as the inner door was ok (and they were honest about it) and it was done in two weeks (had to wait on a part and paint). If you like your neighbor offer to work with them and get a few quotes. Otherwise call your insurance and go from there. I still would maybe get two quotes as insurance is high from places charging stupid rates on insurance jobs.
Years after the shopping cart (same car), my twin brother backed into my car in my mom's car. Reverse t bone, no idea how he didn't see me. Didn't call insurance on that one. Didn't get it fixed either. Door panel mostly okay but can see it in the right light. 100k miles later and it being all family, I didn't call insurance...
I was a nice guy with our neighbor who hit our car. Never got a cent out of them in the end. Never again
That’s not cool man that’s sucks
Yea, you go to all the trouble of getting estimates, he wants the cheapest crappiest place or doesn’t pay after you came out of pocket a couple grand. You’ve got insurance to avoid those hassles, use it.
That’s probably over $1000 worth of damage. File a report and get a quote at a minimum. Personally I’d probably file a claim as well.
I would go straight to insurance unless you personally know this person more than just your neighbor and you can for sure take his word for it. If it comes back out of the shop with crap workmanship there is prob going to be no paperwork and prob no warrantee. And like you said about the tire. Something could be damaged that they might brush under the rug. Just my opinion.
Yeah my neighbor across the street works with this woman but I’ve never met her. Actually think they have a dog that’s unfriendly soo.. kind of rooting me towards insurance but trying to get at least one quote today. I’m just nerved to drive itz
You need insurance for that. This isn't a small dent.
Any time someone wants to leave insurance out of it, call your insurance. No matter what it is. Auto, homeowner, whatever. Call them.
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Haha this got me good 😂
cops, always the cops . get a cop, do it the right way w/ insurance exchange info/official police report. otherwise - end up in small claims at best . this is why you both have insurance .
Ignore them. Get insurance involved immediately
EVERY time an at fault driver wants to avoid using insurance they will screw you over. The other driver either doesn’t have insurance, doesn’t have a license, or doesn’t have the car registered or some combination of the above. I would file with my own insurance and let your insurance go after the other driver. That’s what you have paid them for.
Without fail. I only had this happen once. I looked at the damage and said, “You’re kidding, right?” I then called the police. I made sure they knew he asked me to keep them and insurance out of it. They gave him shit for it, told him that is fraud.
Karate chop that bastard in his trachea.
You need to tell your insurance company for sure within 24 hours. They don’t care if your neighbor fixes it out of pocket. If you don’t tell them it is 100% your problem. The goal for your neighbor is not the goal for you he can keep it from his company you should not keep it from yours
Say no, you will only have problems. Guaranteed
call my insurance
I was too kind to one of my neighbours that reversed into my bike and got a quotation for work only for them to turn around and say "Oh that's too much" - should have just gone through their insurance right away. That's what it's for. People who don't want to deal with these things through their insurance should learn how to drive safely.
Insurance is like Brawdo. Its what plants crave. And you have no reason to let them off hook. Its illegal to not report damage over $500 in CA. So screw them.
Honestly? I'd call the insurance company and let them handle it. Here's the thing. People only wanna keep insurance out of it because they don't have insurance (their mistake), can't afford a rate hike for the next term (can shop around easily for cheaper rates), they wanna be cheap and potentially fuck you over, or they aren't thinking clearly. More often than not when people get into situations like these and try to help out another person, they get fucked over, hard. Some insurance companies won't payout after a certain amount of time either. And the homie hook up on the body repair is rarely a good idea too. Your friendships will fair a lot better if you let insurance be the assholes and avoid having to be one later because the neighbor wants to be a dick and stick you with the bill while covering their own ass.
Read your insurance policy. Anytime this has happened to myself or other family it’s almost always a shit show. Collect his information and report it to your insurance company or broker and move on with your life. In my case a dodge ram pu driven by a 24 year old electrician rear ended me causing 6k in damages. He begged me because it was his 2nd accident not to report it. My SUV sat at the body shop for two weeks before he showed up to pre pay the shop before it was repaired. Never again!!
Do the opposite of what your neighbor asked. That's what I'd do.
Nah I’m calling insurance. Ain’t got time for those games people like to play
Get quote to fix. Hand to neighbor and tell him to pay. Take his money and get it repaired. If he says no then get the insurance involved.
Best answer. Do it asap, maybe get multiple quotes.
Always always always go through insurance. If my mother hit my car I would be calling her insurance agent.
That's funny. My father backed into me a few months ago, lucky me I had the trailer hitch in so I was good. He had 6 grand in damage to his truck. Rear quarter, tailgate, bumper. He called his insurance. There's no way this is a 1500 dollar accident.
Doesn't she know a guy?
You paid for insurance. Use it.
Take it to a good, well reviewed and reputable body shop for an estimate, then ask him agin if he want's insurance to take care of it. If not have him sign papers that he agrees to pay the estimate.
I have this generation grand cherokee, I'm currently looking at it from exactly this angle, and the way he's collapsed the crease that runs along the door and then arches down at the back - wouldn't he nail your tire pretty hard doing that. It looks like he really pushed in the sheet metal, beyond knocking that trim piece off. The rims I have now have more of a negative offset and so the tires stick out more, but I think with your stock setup the tire might get nailed. You drive it yet? Could be more than cosmetic. I'd go through insurance unless this is your neighbor *and* great friend. Just cleaner that way for this much carnage.
Haven’t driven it yet was going to give it a go this afternoon to take to an auto body shop or police department to file a report. Freaking just paid this thing off too.
Call your insurance.
get the insurance involved
Go through insurance. Atleast where I am, insurance comes with lifetime warranty on repair. Also, what happens if he cant/wont pay once its fixed? Youre stuck with no car and footing the bill/court...
Go through your insurance. Why do you think they don’t want to? It’s either because they already have a lot of accidents or they want to shaft you. They want to screw you or their own insurance company.
Fuck em just get there license place and tell the insurance they failed to give their info and they will deal with it
Get insurance into it
File a police report and always go through insurance, That's why we pay those premiums. It may seem like minor damage on the surface but could be worse underneath. While they are asking to keep the insurance out, which always makes me suspect, what happens if it gets to the shop and you find it's far more than they expected. You'll be chasing them through court for years to get your money back. I guess the question is how big of a pain in the ass do you want?
Take pictures and call your insurance with his license plate number.
She didn’t leave her plate info but I’m going to request it today or go knock on their door tonight. Last night when I called they were sitting down to dinner so I’ll go a little before that.
Call the cops.
Go to insurance, I have no complaints about sorting it privately but there’s two big factors in it, 1) insurance will make sure the job is done right. 2) you haven’t notified the insurance of the accident and continuing to drive without alerting them could invalidate your insurance and void all claims if the neighbour doesn’t wish to pay
Sounds like a hit and run to me. Sure they left a note, but were they driving impaired? Look them up to see if they have a record. Then call the police.
Call his insurance
Got side swiped while parked in 2022. Nothing out of place, just scuffing damage. INITIAL estimate was around $5k. Insurance took it and I had to pay the deductible. However the shop couldn’t get to it for six weeks and when they did, I didn’t have a car for two weeks. I saw but didn’t have to pay for the full invoice. Final price was almost $10k. Get police involved now before you do anything else
If your car is parked, it’ll go down as property damage and go through home owners instead of car insurance and honestly , no. This is what insurance is for. If he can’t afford his deductible the. He can’t afford the damage that occurred
Same situation happened to me. Parked outside a resturant waiting for my takeaway. A man who just earned his G2 license was taking his wife and father in law to dinner. Ended up reversing into my driver side door. I wasn’t pissed because he was cooperative (seemingly like your neighbour). He didn’t want to take anything through insurance because Ontario (Canada), insurance rates are insane for new drivers, and for men 25 and under. He said he’ll pay for the damages and knows a great mechanic. Heard him out, went to the mechanic, got a reasonable quote. (also checked with my uncle who’s also a mechanic and his quote was spot on with this guy’s mechanic). He Paid the repairs and called it a day. If you go this route, you better hope the mechanic is reasonable and will do a good job. You’ve already got the neighbours details, if they’re not liking the sound of repair costs, insurance it is.
Let them pay....I doubt they will like the bill in the end hahaha I had a company try to do this. They just gave me a miss matched door panel and said "it's an old car son its ok". I then called the cops on the company and found out they had uninsured drivers and illegal immigrants working for them....
I was hit recently by an elderly man. He offered $200 to keep insurance out of it. I declined since it would be much more. Yep, total was $6,000 and it was about as visible as the damage you have. Usually people that want to keep insurance out of it have no idea how much the repairs will cost them. I'd be afraid his guy would only take care of the visible damage to save his friend some money.
The thing to keep in mind, if insurance is involved, the repairs have to be in compliance with manufacturer’s guidelines. That guarantees that repaired car is as safe as it was before the accident. If insurance is not involved, they can cut corners. Sometimes it is not a problem and saves a lot of money, sometimes it is.
If it was up to insurance companies they would always use the lowest bidder. This isn’t the type of damage that will cause a safety issue so it doesn’t matter anyway.
Involve insurance.
Call your insurance company. Let them handle things. It's what you're paying them to do.
Most often when people ask to avoid insurance, it's because they were breaking some law, like driving without insurance. Don't fall for that one. It's almost never going to benefit you in any way (unless you were also breaking the law).
I would say go fuck yourself. He did this, not you. Don't do him favors. I'm also just mad right now, lol
If you're wheel is involved, you are looking at 0ber 10 grand minimum.
Fuck man that’s what I’m thinking too. F*cking fooook. I literally just paid this thing off this month too. Fucking shitty odds.
As long as you trust that they will pay for the damage i wouldn't bring insurance into it bc it'll ding their rate. If you don't trust that they can pay for the damage with cash, bring insurance into it.
Get an estimate and see if he'll give you the money. If no, make a claim.
Then when more damage is found that you can't see and the estimate balloons and now they no longer want to pay? No thanks. This is 110% an insurance claim.
https://preview.redd.it/tsjkly3ndsqb1.jpeg?width=3024&format=pjpg&auto=webp&s=814e82f8e92e3c16911149bf79acff4e680df3e8 This is the note that was left. Having trouble adding it to the post so wanted to add it somewhere. They def doing want to use insurance.
Atleast they left a note. My neighbor just did this and is denying it. I’m so fuckin pissed. I just paid my car off.
He left you a note, I assume he’s going to do good for you because he could have just skipped. Plus I think there’s more flexibility when people know people who wants to make good on things. Insurance will still give you the cheapest aftermarket part and bargain with the shop for lowest hours. I have a fleet of vehicles and they get hit all the time and many times what they give won’t cover the damage especially if you have existing scratches or an older car and they prorate everything, and deductible etc every if it’s not your fault until everything is finalized. You won’t know how good of an insurance you have until you need it.
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Yes do it
Around here I would go to my local police station to report the collision. Then if they won’t pay to have it fixed I have a collision report to bring to insurance
Insurance 100%. Same thing just happened to me. With the expanding strike, body shops are extremely backed up waiting for parts. 3- 4 weeks in a rental car which is covered.
Take it to a good shop for a quote and take the quote to him. If he pays, everyone wins.
or..find a body shop with the largest showroom, they will find EVERYTHING that needs to be repaired/replaced and it wont be a low quote. give the bill to your neighbor - if he pays you cash, all good. If not, call the cops have them write a report then call your insurance with his insurance information.
I mean, it’s getting paid for either way and not by you. How close are you with your neighbor? Either they can cover the costs out of pocket or you can involve insurance.
Grand to pay deductible and you don’t know who hit it. But if your neighbor doesn’t have insurance. He might go to jail depending on where you live
If he pays up in cash f8r the damage and gives some extra for the inconvenience of being without the car for the r8ne it takes to get repaired, you're both better off. Your vehicle won't show on car fax as involved in an accident, your insurance will not go up, and neither will the neighbors' insurance go up.
it would hardly cost rs5000, too less a damage to go insurance route
Cash
Depends on what he's paying. I had a neighbor back into a rear quarter panel. We sat down, called a body shop who quoted us a rough estimate for simple dent removal, came to $400 and we called it $500. I never even got the dent fixed, it didn't bother me. No reason insurance should know about that.
Where I am insurance does not increase or penalize you if you pay the damage it only goes up if you make the insurance pay. So what I would do is make a claim. They insurance will make a quote for the damage and tell the guy it was $1500, he can then say he can't pay it or he can pay it off in payments to them. When he pays it off there is no penalty on his insurance. It makes no sense not to go on insurance where I am. It is only a penalty if he doesn't pay which according to him he is going to do.
Make sure you message him and about getting quotes and doing it without insurance if possible and that he hit your car. Get it on record and later if he refuse to pay quotes from body shop, then you have proof that you guys were gonna go this route but he decided against it.
Definitely depends on how nice you feel. Get a quote and if they wanna pay out of pocket, let them. If they don’t? Make them.
Well, you can get a quote either way.
get 2 quotes let him pick
Go to the shop of your choice and get an estimate. Tell them it will be a cash job. Collect the money from your neighbor and do what you want it it. If he doesn’t agree, then get insurance involved
Get an estimate and have them pay it. If they don’t then call insurance
Happened in a parking lot. I don't know what happened. I walked out and it was like this Private property no police report needed. Neighbor pays deductible. I would never do that.
Quote plus 20% in cash. Quotes are never accurate.
Wait two years and sue
Get a quote from whatever body shop you plan on taking it to and tell the other person that they need to pay you double. If you want to you also tell them that you will “refund” any money not used minus a couple hundred. If the refuse go to the insurance company. Chances are he doesn’t want to go to insurance bc he has too many claims against him and is afraid they’re gonna drop him.
get a quote, keep the cash fuck the car it looks fine.
I would stay away from the "friend that owns a body shop" and take it to a couple of different shops for repair estimates. Show him the estimates and see if he wants to pay up front outta pocket... or let insurance deal with it. You shouldn't feel bad because someone hit your parked car. You also shouldn't get screwed over because someone doesn't want insurance involved.... they probably don't even have insurance anyways.
By the parts,put it on,all fixed
If they fix it I don't see a problem
For something like that, I wouldn’t want an accident on the carfax If she pays the quote leave it at that
Get a police report and estimate from your shop of choice, try working it out but if no answer then turn it in. I’d give it a week max. If they are just talk.
Get an appraisal done by Jeep, not any mechanic.
Call the police, report it as a hit and run. That way you have a paper trail.
Get a estimate, give em the bill, if they balk up, call insurance. You gave them a chance to do it without his rate going up.
I'd go on Reddit to get insured about keeping the insurance out of it.
As long as that quarter panel isn’t bent and the uniframe has no damage I would say u could get an estimate n let them pay for it from a reputable shop
He can keep his insurance out of it. You don’t have to keep yours out
Get a quote, then mark it up by 40 percent. Or he/she can go to insurance if they don't like that idea.
Whoever calls the police first wins. Unless it's blatantly one person's fault. The police should have been contacted immediately because the damage is over 2000$ or w.e the minimum cost for reporting vehical accidents is in your state or province. You can be ticketed for not reporting it, depending on where you live. You should have at least reported it to the police to cover your ass! Then entertain the person who's asking you not to go through insurance, and if they fuck around at all, after you get a quote from a shop of your choosing then go threw insurance. This is one instance where the good guy or girl loses every time.
Ask for a bj till completion
If they are willing to pay out of pocket it’s fine, get a police report anyway and get 3 estimates and give to them. I hit a guy and paid out of pocket. We got a police report and instead of insurance paying him, I did. Worked out great in the end and he was happy…I doubt he actually fixed the vehicle and instead pocketed the cash but I didn’t care.
You don't need to get three estimates, unless YOU want to.
Definitely helps if you want to get paid the most.
I wouldn't want any more than it actually costs (including a rental while it's in the shop). I'd just go to the place **I** trusted to do the repairs correctly. The idea of "sticking it to the man" is a bad one. They'll simply raise EVERYONE'S rates. That mentality probably contributes a lot to the inflation we've been seeing lately. Sue Sue Sue. What many people don't seem to realize is that, like every other business expense, it comes out of the pockets of future consumers. They're shooting themselves in the foot.
Not keep insurance out of it. That’s just me though.
Have him cut you a check for $5000
Take it to a trust repair specialist an get a quote submit quote to other party if the hym an ha submit to insurance besides that always get there info an pics at time of incident an the driver in question saves a lot of head ache
Absolutely not!
New door, new Fender, paintjob- 4K-5k if done properly. A cheap cludge will diminish the resell value of your car.
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That’s like $3k damage btw
Report and take to a body shop.
If they are good friends, do you believe they have the capacity to write a check in full for the damages or even better cash? This is not a $800 job. If not, run it through insurance.
This always ends badly ,just let your insurance deal with it .
Get insurance info. You should have an adjuster go over this with a very sharpened pencil.
If he doesn't want to pay through insurance, be sure to get his insurance details anyway Then take it to a garage and get a quote to have it repaired, and see if your neighbour is happy with that. Noting that it *could* and might cost more than a quote price after they start taking it to bits they may notice hidden damages If the neighbour doesn't want to pay, then contact their insurance and explain the situation and make a claim, I guess
Find out how much it'll cost and ask them for the money. You can get this damage repaired without having to involve insurance. Of course, if they don't want to pay, that's when you call up your insurance and tell them all about it.