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Author: edcosoft Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 308881  
Subject: Re: car accidents/insurance ? Date: 7/5/2006 2:58 PM
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Generally, you should have gotten the other party's name, address, phone #, drivers licence #, insurance company and policyi # all from his insurance card he must carry in the car and his DL. Vice versa he gets your info. For some unknown reason the police get all this info and then wont' give it to you. Probably to promote the fee charged for the report 5 days and 20 miles later.

Second step is for you to call his insurer and verbally put in a claim. Only that he hit you from the rear is necessaryt for him to be totally liable for fixing your car, rental car, lost time, madical etc.

Third step is to report to your insurer to start the collision ($500 deductible) claim which can be stopped anytime the other insurer steps in. This is NOT a chargable accident and isn't even an event if you collect from the other insurer before yours pays.

Either, or both, insurers will inspect your car at a garage of your choice (preferrably at the one that will do the repairs) and no other estimates are necessary.

If the car is not repairable, either insurer will pay you the value of yours. don't be surprised that your dar is totalled--sounds like it. It doesn't take much damage for the repairs to be more than the cars is worth.

Can things go wrong? yes, but rarely now-a-days with legitimate insurers. Biggest problem is the guy hitting you is uninsured or in a stolen car or a high-risk lousy insurer.

Do you need a lawyer? Not unless you want to collect for your Pain and suffering. As they said, your insurer will collect everything for you and even return your $500 out of the first $ they collect from the other driver or his insurer.

good luck

ed
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