Car insurance claim question

[Danimal77]

Was legally parked on the street while shopping. Got back to my car and noticed my drivers side door was smashed. By chance, some nice dude left a note apologizing for hitting me and left his # to call him. The guy's not the sharpest tool in the shed. He claims he was driving a company truck and will take full responsibility for the damages.

2 questions:

1. Do I need his company car insurance info, or his personal car insurance info?

2. My front bumper and grill was smashed from an unrelated accident from a couple of years back. If I get this guy to corroborate the story, can I tell my insurance company that he hit me twice while trying to park his truck (instead of just the one time). If so, does his company's insurance go up higher because the value of the damages would be more from the 2 hits and not just the 1?

[NarcissisticDeity]

Was legally parked on the street while shopping. Got back to my car and noticed my drivers side door was smashed. By chance, some nice dude left a note apologizing for hitting me and left his # to call him. The guy's not the sharpest tool in the shed. He claims he was driving a company truck and will take full responsibility for the damages.

2 questions:

1. Do I need his company car insurance info, or his personal car insurance info?

2. My front bumper and grill was smashed from an unrelated accident from a couple of years back. If I get this guy to corroborate the story, can I tell my insurance company that he hit me twice while trying to park his truck (instead of just the one time). If so, does his company's insurance go up higher because the value of the damages would be more from the 2 hits and not just the 1?

You need his company's insurance and he's not going to admit he hit the other area.

[Danimal77]

You need his company's insurance and he's not going to admit he hit the other area.

Say he does admit to it, how does that affect his company's insurance? Do they look at total damages (the value) or just the fact that they are responsible for the damage?

[TuHolmes]

The company will probably settle out of pocket.

Give them an estimate, they give you the cash.

If not, then yes, it will be their insurance.

Also, just because he is admitting it to YOU, does not mean he will admit it to his boss or his insurance company.

People change their minds sometimes.

[NarcissisticDeity]

Say he does admit to it, how does that affect his company's insurance? Do they look at total damages (the value) or just the fact that they are responsible for the damage?

That's insurance fraud and it's not worth the risk in my opinion. They look at the total value it's always the bottom line. And did you call the police? I would have just to cover your ass.

[Irongrip400]

You're a fucking getbigger, how have you been driving around for two years with a smashed grill on your car?

[HTexan]

Say he does admit to it, how does that affect his company's insurance? Do they look at total damages (the value) or just the fact that they are responsible for the damage?

Insurance fraud has big penalties. Stop trying to get over on the insurance company, dude isn't going to agree with you. It will also affect the company's rates.
You need to get all his info and conpanies info and contact insurance asap.

[ritch]

you can't lie about those things. Say you tell them you did that with your own car, well, there's damage that would show up on that car. They would look at your car and ask why none is there.

Gotta think beyond suckering someone for a few bucks....

[Competitor 9]

You can get away with small stuff like say if they hit your drivers door and you had a debt on your drivers side fender. No one would question if you claimed that. But somthing like a grill unless they hit your front frebdee headlight area it would be a stretch

[Moontrane]

The company will probably settle out of pocket.

Give them an estimate, they give you the cash.

If not, then yes, it will be their insurance.

Also, just because he is admitting it to YOU, does not mean he will admit it to his boss or his insurance company.

People change their minds sometimes.

It's possible the company is self-insured, meaning they'll use an insurance company to adjust the claim, but the company itself will pay you - like out-of-pocket stated above.

The driver admitting fault to you in writing, as it seems he did, is very useful.  Had he not done so, he or the insurance co. could claim whatever story they wanted after the fact. Tough for them to walk it back, since the driver had care, custody, and control of the vehicle and admitted fault.

You might want to involve your own insurance company, lest you get bogged down with back and forth nonsense.  Good luck, and get the grill fixed!

[Tapeworm]

Hitting twice is different than hitting once tho.  You'd have to be a hopeless idiot to hit someone, then fail to be more careful, and proceed to hit him again.  Who's going to admit that he rammed you twice when he didn't?    Lemme guess, you've got it in mind to insist that he did so you can get it all done for free and you don't have to foot the bill for the front end damage that resulted from (I'm sure) someone backing into you.

He did the right thing.  Don't make him wish he didn't.  Besides, for all you know he left the note because the company truck has cameras so he couldn't have gotten away with driving off, and you'll be stone busted if you try to pull any shit.

[240 is Back]

dont cheat the guy - could get caught.

DO work with the auto body repairman once you have the demage appraisal.  He LOVES insurance business and might give you an amazing deal on the GRILL fix if you send the business his way.   He's looking at 1-2 thou $ in profit from this door repair (labor hours in auto body are laughable)

My dad ran an auto body place and I worked in the office and did little stuff.  he made a million little deals like that.   He'd fix a little ding here or there while he had the car up on the rack.  He'd throw in this or that.  He was making decent $ on a $9,000 check for a vehicle that was juuuuust wrecked enough to avoid being totalled.  He was happy to throw in little things.

Just ask the auto body guy "can we work something out" and he'll give you a sweet price.  Not if you go to a corporate place tho.

[Simple Simon]

Was legally parked on the street while shopping. Got back to my car and noticed my drivers side door was smashed. By chance, some nice dude left a note apologizing for hitting me and left his # to call him. The guy's not the sharpest tool in the shed. He claims he was driving a company truck and will take full responsibility for the damages.

2 questions:

1. Do I need his company car insurance info, or his personal car insurance info?

2. My front bumper and grill was smashed from an unrelated accident from a couple of years back. If I get this guy to corroborate the story, can I tell my insurance company that he hit me twice while trying to park his truck (instead of just the one time). If so, does his company's insurance go up higher because the value of the damages would be more from the 2 hits and not just the 1?

Its because of peice of shit fraudsters like you that insurance costs as much as it does.

[rocket]

Was legally parked on the street while shopping. Got back to my car and noticed my drivers side door was smashed. By chance, some nice dude left a note apologizing for hitting me and left his # to call him. The guy's not the sharpest tool in the shed. He claims he was driving a company truck and will take full responsibility for the damages.

2 questions:

1. Do I need his company car insurance info, or his personal car insurance info?

2. My front bumper and grill was smashed from an unrelated accident from a couple of years back. If I get this guy to corroborate the story, can I tell my insurance company that he hit me twice while trying to park his truck (instead of just the one time). If so, does his company's insurance go up higher because the value of the damages would be more from the 2 hits and not just the 1?

I will break down for you why you must never commit a crime - because chances are, you're too stupid yourself to premeditate it to the point of success.

1.  2 hits in different places will be statistically unlikely to have occurred and therefore warrant closer inspection.
2.  The damage to the front almost certainly could be forensically analysed to be clearly older.
3.  There needs to be corresponding damage to probably two places on the truck (I'm guessing you're thinking you can get away with claiming that the truck hit the car at the exact same place )
4.  You want a person who you yourself consider to be a halfwit, to talk to insurance people and describe the elaborate (and it will have to be quite elaborate because they will be quite curious) story which had him hit your car twice?  How long spouting bullshit do you think it'll take before he is cornered into admitting it is a lie?
5.  You're willing to risk going to court and losing far more money and time for a very little gain.

Is there a dumbest post of the year thread?  This is up there.