Ever heard of "L'Oubliette?"
I’m not a full term attorney, well, I’m not an attorney at all, but I’m pretty sure that if you have out of state plates and are involved in an accident, that you can legally flee the scene and try to cross the state line.
The degree to which his insurance company is going to be willing to satisfy your claim is entirely dependent on their assessment of whether your insurance company will back you up or not if it comes down to nut-cutting. That's all.
If you were anywhere else but NY....the cops would be asking this guy about the length of time he’s had the car in NY and his permission to have the car would have been checked out.
I know in the DC region...they have a big problem with folks moving in and keeping their homestate tag on the car....pretending to avoid the VA or DC car tax gimmick, and pay less on insurance.
The biggest insurance shock in my life was when I took my car from Ala to AZ, and met up with the insurance agent to update my state deal. Same company....different rates...I was going to pay roughly 50-percent more in AZ.
your PC has a virus
Ever heard of "L'Oubliette?"
But don't be surprised if the insurance companies decide to call the accident a wash and pay each of you for your damage. The only downside of this is you will be out your deductible. It is cheaper for the companies to do this than to litigate fault.
Never driven in New York, but be sure to timely file your accident report with the state DMV if required. You can describe what happened on it.
You should know better .... NYC cops don’t care.
Sometimes it pays off to be an established customer.
A lot of places the cops simply will not come unless there are injuries. In the end it didn't change anything anyway.
If you were in your car, it does not meet the legal definition of “parked” in “double parking” so such a claim means nothing.
I see a lot of people living in NY for years and driving cars that have Virginia plates.
That's what they all say..........I've never met a death row inmate yet who admitted their crime.
what will be the likely outcome? Will they become aware of his
obvious attempt at insurance fraud?
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Don’t be concerned with what his insurance company will think or does.
Be concerned with what you insurance company does. Look to them for
compensation to fix your car. They will deal with the other insurance
company.
I am beginning to think that a dash cam might be a good investment. My wife was involved in an accident that was clearly not her fault, but the parties that caused the accident spoke to the cops first and I suspicion slipped them some cash. The cops never interviewed my wife and the police report named her as being at fault. My insurance company got stuck with the bill and then upped our rates. Having a video of what happened might have saved us from higher insurance rates.
Fred has got it right in post #3.
I was well insured with USAA, including collision and un-insured driver insurance.
I called USAA and explained my doubts and fears and they said they would make the claim against Progressive. And in the meantime, as soon as they could get a copy of the officers accident report, they would start the wheels turning on getting the repairs done.
Because, I was well insured with USAA, my car was going to be repaired either way. His insurance or mine.
And as it turned out, his policy was good and USAA had no problems with Progressive.
I got my car repaired quicker and with no anxiety of dealing with Progressive.
Heck, 1/3 of the people who live in Kansas have their vehicles tagged out of state. They save hundreds of dollars every year, on personal property tag.
The only thing that really changes is everything takes longer.