Weird car accident story- what do I do??

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Posted 9/30/2012 by gryroagain in NSBR Board
 

gryroagain
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Posted: 9/30/2012 7:22:44 PM
Last Friday i was backing up (there is more to this, but for simplicity) and backed into amlady in a van. Totally my fault- I looked over my shoulder but she was going around me to turn right, I didn't see her. I pull over, get out, tell her I'm so sorry. She says "that's ok, is not bad", I can tell she doesn't speak great English. She didn't even get out of her car- she was starting to drive off! I say no, no, wait, I have insurance, it will fix her car (door is dented, not bad but still). I write my number, insurance name down, and she says she doesn't speak English, takes the paper reluctantly, drives off.

She had a boy about 12-14 in the car too, in general when parents English is not great the kids will translate, but he never said anything.

So, I tell my dh (who is thrilled, lol). And...no call yet.

I don't know how to reach her- I couldn't get her info since she kept saying "no English". No biggie, I figure obviously she will be tracking me down...but no? Dh says maybe she didn't have insurance or a license, but would that even matter- it's my fault, and I do. I am stumped that this is just floating out there. Why wouldn't she call? What do I do? Dh says nothing, our taillight is cracked but that's it, so no real harm, we wouldn't file with insurance for that since we have a $500 deductible.


jennifw
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Posted: 9/30/2012 7:28:40 PM
Don't do anything. Chances are she is not going to report it and won't come after you to get her car repaired (no license, no insurance, doesn't want to, who knows)

voltagain
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Posted: 9/30/2012 7:28:57 PM
If she is driving without a license or is here illegally, yes, it would be a big deal reason why she doesn't want to report it even though you are willing to pay the damages.

Driving without a license in most states is a jailable offense. In Oklahoma it can be 30 days in jail and a fine from $50-$300. If she calls your insurance they are going to want her license number even if she wasn't at fault.


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freecharlie
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Posted: 9/30/2012 7:29:04 PM

Dh says maybe she didn't have insurance or a license, but would that even matter- it's my fault, and I do
If she doesn't have a license then she may be afraid to report it. Is it possible she or someone in her family is here illegally?


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revirdsuba
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Posted: 9/30/2012 7:29:06 PM
Did you at least write down her license plate and a description of her car? She should have given you her info. ONE reason not to leave the scene without the police to document the information. The good thing is that she cannot say you didn't give her the info, if she contacts you, so it is not a hit and run.

AKathy
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Posted: 9/30/2012 7:29:18 PM
Maybe she's in the US illegally.


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candleangie
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Posted: 9/30/2012 7:32:42 PM

Dh says maybe she didn't have insurance or a license, but would that even matter- it's my fault, and I do.


Nope. If she is unlicensed or uninsured, at least in Oregon, that makes her automatically at fault.


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gryroagain
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Posted: 9/30/2012 7:34:46 PM
I did write down her license plate when I realized I couldn't get her info, but short of tracking the car through the DMV it doesn't do me any good. I don't want to get her in any trouble or anything. I just feel bad- it was totally my fault! I feel like I am stealing almost. but it's been over a week and no call, so?

JustTami
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Posted: 9/30/2012 7:35:30 PM
Someone hit me once and I never pursued it with her or her insurance company. It was pretty minor, my DH fixed it himself. I wouldn't worry about it, you did the right thing by giving her your info.

reneelcla
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Posted: 9/30/2012 8:20:31 PM
It is the same in Louisiana as it is in Oregon, if she's unlicensed or has no insurance she is @ fault. policy reason is that if she's unlicensed/uninsured she should have been on the road for you to hit.

Here it's called "pay (insurance) to play (get paid if involved in an accident that's not your fault)"

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Nicole in TX
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Posted: 9/30/2012 8:23:34 PM
She is probably illegal or uninsured. I wouldn't worry about it any longer and just get the tail light fixed.



voltagain
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Posted: 9/30/2012 8:27:21 PM
but it's been over a week and no call, so?
>>>>>>>>>>>>>>>

Fix your car and move on. Unless you plan to report her.


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justalittletike
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Posted: 9/30/2012 8:31:56 PM
Nothing you can do now.


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Ouiser
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Posted: 9/30/2012 8:35:04 PM
OR there is nothing illegal about her. Maybe she was telling the truth and doesn't know or understand English. If she doesn't contact you I wouldnt worry, but I wouldn't leap to her being illegal either. One of my best customers owned 4 Mexican restaraunts around here, paid cash for everything and spoke very little english. He was however, here legally.


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PierKiss
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Posted: 9/30/2012 9:11:15 PM
You can always file a police report after the fact. Which I might do in this situation, as she could come back at you with claims of injury or whatever. That way, your side of the story is at least written down. You can also call your insurance adjustor and ask for general advice. Just because you tell them your story doesn't mean they will automatically raise your rates, etc. I did it 2 years ago when I accidentally backed into a pole in a parking lot. We got the estimate on the car damage (so very minor), and opted not to pursue it through insurance because I didn't want to raise my rates. My agent was fine with my decision.



revirdsuba
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Posted: 9/30/2012 9:16:37 PM
Relax and get your car fixed. Leave your insurance company out of it. You gave her your info, let it go.

theshyone
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Posted: 9/30/2012 11:15:32 PM
Where I live she has two years in which to file on you.



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Posted: 9/30/2012 11:38:30 PM
I backed into someone once and he chose not to get it repaired and told me he wasn't going to. I had already called the police because I couldn't figure out whose car it was (it was parked down the street from where the gentleman was visiting someone) so they wrote up a report in case I needed it, but he also told me that if there was less than a certain amount of damage (I think it was $500 but can't really remember now) that I didn't have to call the police, just had to leave my name and phone number. He told me the damage I had caused was less than the amount requiring a call to the police, but I don't know how a regular person is supposed to know what the damage would cost to repair though. I had put a pretty good size dent in the driver's door maybe 5 inches across, but it was still able to open and close just fine. I was like the OP in telling him how sorry I was and that we had insurance to pay for it, etc., but he still didn't get his car fixed. I kept the photos I had taken and his information for quite a while just in case he decided to get it fixed later.

A few months later someone accidentally put a rather large scratch down the side of my dh's new (just a few months old at the time) truck while they were carrying some boxes past the truck. They were very kind to leave a note with their name and phone number. We never did call them back about it and now I guess we should have called and let them know we were not going to get it fixed. I just figured it was a way for us to pay it forward like the gentleman did above for me. We knew it was only a matter of time before the truck would get scratches on it anyway. We did appreciate that the person apologized in the note and took responsiblity for causing the damage even though it was an accident.

Maybe your lady is being kind like in one of these stories.

TinCin
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Posted: 10/1/2012 12:14:09 AM

If she is driving without a license or is here illegally, yes, it would be a big deal reason why she doesn't want to report it even though you are willing to pay the damages.

Driving without a license in most states is a jailable offense. In Oklahoma it can be 30 days in jail and a fine from $50-$300. If she calls your insurance they are going to want her license number even if she wasn't at fault.


Since she didn't even bother getting out, this would be my guess.


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NWShelly
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Posted: 10/1/2012 12:42:00 AM
a couple of months ago i was in an accident that was totally my fault. i rear ended someone and we both pulled over. his car had a small scratchy - mine had a crunched hood but was drivable. he just looked at his and said it was fine and drove away. i did write down his car's license number. when i called the insurance company (to fix my car) i told her what happened and she said not to worry about it but was glad i got the license number so that in case they did file a claim she had record of it - so i didn't look like a hit and run driver.

it was a similar driver (someone from another country) so while they may or may not had a license or insurance i wasn't even sure if it was their car!?

in the end - they never did pursue it and my car was fixed and my rates did not go up.






luvmythree
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Posted: 10/1/2012 8:14:08 AM
She probably didn't have a DL or insurance. It does matter as she would get ticketed.


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Posted: 10/1/2012 9:11:15 AM
I've been in countries where when a fender bender happens, people just drive off on their merry way unless someone is injured or the car won't run. I've witnessed a few of them. Most places aren't as "sue" happy as we are in the U.S.
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