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Minor fender-bender on college property - not at fault - any concern with filing claim?

448 70 January 26, 2018 at 01:10 PM
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So my daughter called me the other day to tell me that someone backed into her car while she was in her car (I think she was waiting for someone else to get in or out of a space). This happened on her college campus in Connecticut, so I'm not sure how the traffic laws, whose at fault, etc. are impacted by being on private property. I told her to call the school's public safety/security so that a 3rd party could make notes about what happened.

I called her school to inquire about the report. I was told that my insurance would need to submit a formal request for the report. My daughter never got the guy's contact info or insurance info (he offered to give it to her initially, but then she called the school's public safety office and waited for them, and she neglected to get any of the guy's info herself - apparently he was delivering food to someone on campus). So it sounds like I'm unable to try to get in touch with the guy directly, even if I wanted to.

I just now got to see the extent of the damage. Her Jeep's plastic rear driver's side bumper has a dent in it that looks like it might be able to just be popped out (but it's plastic, so I'm not sure if that makes it easier or harder to do that). There a couple of spots where the paint is rubbed off, too, but I'm not particularly concerned about that (FYI, it's a 2007 vehicle that has a couple of minor scrapes already, but is mostly in very good condition visually). Also, the taillight can be moved by hand (pulled out slightly), so I'm guessing that there's probably a plastic bracket that holds that in firmly that probably broke. It can only be pulled out about an inch, and it can be pushed back in place, so I'm not sure how worried I should be about that, either (I could probably squeeze gorilla glue in there and "fix" it well enough). The brake light and turn signal are still working fine.

Honestly, I'm guessing that the shop I use for most things could probably pop the dent out and charge me next to nothing. Which almost makes this whole thing even more confusing for me...if there's any chance that this could negatively impact our insurance, I'd prefer to avoid filing a claim. My daughter indicated that there was just a scratch on the guy's car. But if this guy opens up a claim on his end, it probably opens up Pandora's box, so I feel like I probably need to call my insurer and see what they have to say about it all.

Lastly, based on my daughter's version of the story, it sounds like she's not at fault, and I believe she even indicated that he initially apologized. But since the school's public safety office doesn't seem to be willing to provide me with the report, I worry about whether they might indicate that she had any degree of fault.

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Joined Jul 2012
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#2
Big oops not getting his info, especially when it was offered; hopefully she didn't give out her info and then forget to get his. If he doesn't have your info, his claim (if he files one) is unlikely to make it to you, but if you file a claim it could affect your rates.

Do you have collision coverage on her vehicle? What is the deductible? Sounds like it's not worth even the risk of calling if your local shop can likely fix it for next to nothing.
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Original Poster
#3
I'm hoping to get it over to my trusted mechanic early next week and see how cheaply they can fix it.

I've also contact the school's public safety department and asked for a copy of their report and the other driver's contact/insurance info. Initially the woman there indicated that my insurance would need to make a formal request for that, but a claim rep for my insurance told me that I should have a right to that info myself, and she indicated that if the other driver was clearly at fault that it might be beneficial for me to contact his insurance company rather than opening up the claim though mine. If I can get the guy's contact info, my plan is to try to reach out to him first and see if he wants to settle it outside of insurance.
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#4
I strongly and empathizes do not get your insurance involved if it wasnt your fault as mentioned. If you tell them they will note that in their own record and account. My mom had a big crash to her car a few years ago. She was not at fault and the guy admitted fault gave my mom all the info licenses insurance policy # etc. I did all the work I contacted the person insurance they opened a claim they investigated and his insurance decided to fix the car with no problems. Everything was resolved without getting our insurance involved. Hope it helps.
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just being slick
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#5
It's an 11 year old vehicle with very minor damage. Just get it fixed at your own shop and pay for it. If you are a regular customer explain the situation and tell them you will pay cash - they will likely give you a good price.

Not worth it to me to go through insurance especially with a young driver. A claim will stay on her (your) record for years. If something more of a major event happened in the meantime it will be a second claim which could end up costing you a lot more in the long run.
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killroy was here
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#6
Quote from gpister
:
I strongly and empathizes do not get your insurance involved if it wasnt your fault as mentioned. If you tell them they will note that in their own record and account. My mom had a big crash to her car a few years ago. She was not at fault and the guy admitted fault gave my mom all the info licenses insurance policy # etc. I did all the work I contacted the person insurance they opened a claim they investigated and his insurance decided to fix the car with no problems. Everything was resolved without getting our insurance involved. Hope it helps.
your insurance company will find out she was in an accident regardless.

personally, I've always gone through my insurance company when the other person was at fault. it's just easier and you are guaranteed to get the best service.

not to mention when the other insurance company calls you for a statement, you just say, "I have given one to my company. please contact them directly." Last thing you want to do is give a statement to their insurance company and them twist your words or try to assign partial fault to you (depends on the state).
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Quote from BiGspendr
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Stick a milk bone us ur ass, and let the dog eat it. Works like a charm! http://i.slickdeals.net/images/smilies/emot-LMAO.gif
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Quote from dayv
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your insurance company will find out she was in an accident regardless.

personally, I've always gone through my insurance company when the other person was at fault. it's just easier and you are guaranteed to get the best service.

not to mention when the other insurance company calls you for a statement, you just say, "I have given one to my company. please contact them directly." Last thing you want to do is give a statement to their insurance company and them twist your words or try to assign partial fault to you (depends on the state).

Well I just renewed their insurance this past summer and nothing came on the renewal policy actually the rate went down (which was kind of surprising). It didn't seem to have any benefit to contact my parents insurance company since I got the information from the guy and contact his insurance which went smooth. They werent playing hard ball or anything they went right at it. Plus it had to be something for the insurance to be involved the fix cost around close to $10k (thought they would total the car, but they ended up fixing it instead maybe it was cheaper for them).

Maybe in the future they will find out who knows, but its something to explain to the insurance company that it was not at my moms fault and it should be down on the record if they want to get some proof can always provide them that information.
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#8
Hell my insurance missed a DUI.. Maybe I was just paying too much then.

OH! not my DUI, DD
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for those that hate spelling mistakes www.walmarts.comCool

bulb save money by checking your insurance every 2 years (and not every 20) Thanks Liberty Mutual for reminding me to shop. The $842 increase this year sums it up. Across the board increase for Ohio....whatever
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