Free Republic
Browse · Search
General/Chat
Topics · Post Article

Skip to comments.

What happens if you have out-of-state plates and are involved in an accident?
Real life incident | 6/21/15 | Me, myself, & I

Posted on 06/20/2015 11:11:33 PM PDT by EinNYC

Last Monday, I was executing a textbook parallel park on the right side of a one-way street. I needed perhaps 10 seconds more to be in the parking space, when a car behind me just couldn't wait those 10 seconds and attempted to drive around me, snagging my car's left front fender and bumper on their right rear bumper. My car was dragged a couple of feet. The idiot driver could go no further on the narrow street. I rolled down my window and shouted for him to back up, because I could not move my car in reverse. It was hooked on his bumper. I jumped out with my cell phone to capture the relative positions of the cars, his license plate number, etc. I refused to simply exchange information, because I knew he would lie. I called 911.

It was a very hot day, and I had to wait THREE AND ONE HALF HOURS for the NYPD local precinct to arrive. It caused me to miss an important class I am taking, to have to sit in a sweltering car without a drink, and to wait and wait for the police to arrive. When they finally did arrive, they heard his song and dance pack of deceit first. He claimed I had been double parked! My photos show a big fat parking space behind my car and my car angling into it. Duh.

I gave my photos to my insurance claim adjuster, who said they sure look like they back up my description of what happened, plus the location of the damage on my car and the idiot's car. It could not have been caused by my double parking, as he claimed.

From the police report on the accident, I saw that the doo-ragged idiot's car was registered in his mother's name in PA, with a nobody-ever-heard-of PA-based insurance company, and the car had PA plates. Yet he listed his address as a street in Queens, NY.

When the Podunk, PA insurance company hears of this accident from my insurance company (a very big major firm), what will be the likely outcome? Will they become aware of his obvious attempt at insurance fraud?


TOPICS: Miscellaneous
KEYWORDS:
Navigation: use the links below to view more comments.
first previous 1-2021-35 last
To: EinNYC

I see a lot of people living in NY for years and driving cars that have Virginia plates.


21 posted on 06/21/2015 4:39:40 AM PDT by TalBlack (Evil doesn't have a day job...)
[ Post Reply | Private Reply | To 1 | View Replies]

To: grania

I’m sure they do, but I’ll say, I’ve never found insurance companies to be difficult with that stuff. Not that I’ve had a lot of claims.


22 posted on 06/21/2015 4:47:57 AM PDT by 9YearLurker
[ Post Reply | Private Reply | To 20 | View Replies]

To: EinNYC
I was executing a textbook parallel park on the right side of a one-way street.

That's what they all say..........I've never met a death row inmate yet who admitted their crime.

23 posted on 06/21/2015 4:48:52 AM PDT by Hot Tabasco (War IS the answer! Peace activists never liberated anything or anyone....)
[ Post Reply | Private Reply | To 1 | View Replies]

To: EinNYC

what will be the likely outcome? Will they become aware of his
obvious attempt at insurance fraud?

***************

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.


24 posted on 06/21/2015 5:12:04 AM PDT by deport
[ Post Reply | Private Reply | To 1 | View Replies]

To: PLMerite
Actually AZ has a huge car theft and break in rate thanks to all the invaders from the south.
Karl Rove and the Bushy pals that are doing the car theft Americans wont do !
25 posted on 06/21/2015 5:40:41 AM PDT by ncalburt ( Amnesty-media out in full force)
[ Post Reply | Private Reply | To 19 | View Replies]

To: EinNYC

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.


26 posted on 06/21/2015 6:19:47 AM PDT by The Great RJ (“Socialists are happy until they run out of other people's money.” Margaret Thatcher)
[ Post Reply | Private Reply | To 1 | View Replies]

To: EinNYC

Fred has got it right in post #3.


27 posted on 06/21/2015 7:02:36 AM PDT by SunTzuWu
[ Post Reply | Private Reply | To 1 | View Replies]

To: EinNYC

Half of the cars in the city have PA plates. Insurance scam. Know someone in PA, use their info. I don’t get it.


28 posted on 06/21/2015 7:10:31 AM PDT by MarineMom613 (RIP Sandra Sue, my fur baby 12/31/1999 ~ 7/2/2010 - See you on the other side!)
[ Post Reply | Private Reply | To 27 | View Replies]

To: Benito Cereno
Your company owes you first party obligations to pay your claim ASAP regardless of fault.

That's where the rub is, and having been victimized by that very issue twenty years ago, that's why I made the comment I made.

29 posted on 06/21/2015 9:18:17 AM PDT by FredZarguna (Let's call it what it is: Climate Immorality. Now say a Dozen Hail Marys and six Our Fathers.)
[ Post Reply | Private Reply | To 9 | View Replies]

To: Hugin
A lot of places the cops simply will not come unless there are injuries.

That's how the Las Vegas cops do things. The last time I HAD to go there, I saw a billboard by some law firm advising people to call them first as the cops no longer handled fender benders.

30 posted on 06/21/2015 9:28:45 AM PDT by Oatka (This is America. Assimilate or evaporate. [URL=http://media.photobucket.com/user/currencyjunkie/me)
[ Post Reply | Private Reply | To 14 | View Replies]

To: SunTzuWu
(post #3):" 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 "

Post #3 is correct.
My son was driving on an expressway, overtaking a Pa.car , when the Pa. Car hit 'black ice' and slid out from the slow lane, into his truck which was in the passing lane .
My son's truck was 'totaled' , as the air bag went off, even though there was no substantial body damage to his truck
(since it is more costly to replace an air bag than replace the vehicle).
Discussion and accoutability languished for 1 1/2 months until my son said he had to rent a vehicle to get to work, and was adding that cost to the total damages, increasing daily. Also , there a personal injury issue ( neck/back)
He was backed by his insurance company , and it was only then that the Pa. insurance company saw that it was better to avoid lengthy litigation and possible personal injury
that motivated the Pa. insurance company to resolve the issue quickly, while cheaper , and admit "fault" to the accident.
Please note that Pa. insurance allow minimal insurance coverage much lower than the surrounding states, and even allow for 'self-insured' as last I knew .

31 posted on 06/21/2015 11:47:54 AM PDT by Tilted Irish Kilt
[ Post Reply | Private Reply | To 27 | View Replies]

To: EinNYC
I had a similar situation several years ago, I had doubts about the other drivers insurance, and he was at fault. And even if his insurance was good, it was with Progressive, who I figured would make it all very difficult for me.

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.

32 posted on 06/21/2015 1:08:45 PM PDT by Ben Ficklin
[ Post Reply | Private Reply | To 1 | View Replies]

To: EinNYC

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.


33 posted on 06/21/2015 3:39:59 PM PDT by Old Yeller (Civil rights are for civilized people.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: EinNYC

The only thing that really changes is everything takes longer.


34 posted on 06/21/2015 3:41:27 PM PDT by discostu (In fact funk's as old as dirt)
[ Post Reply | Private Reply | To 1 | View Replies]

To: LukeL
We in WI pay $75 per year for the privilege of driving on our pothole filled roads. In addition to one of the highest gasoline taxes in the country.

I figured it cost nothing in Wisconsin, since most car rental companies located in Kansas lease their fleets in Wisconsin, and lots of Kansas residents tag there using family members addresses.
35 posted on 06/21/2015 3:42:26 PM PDT by Old Yeller (Civil rights are for civilized people.)
[ Post Reply | Private Reply | To 5 | View Replies]


Navigation: use the links below to view more comments.
first previous 1-2021-35 last

Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.

Free Republic
Browse · Search
General/Chat
Topics · Post Article

FreeRepublic, LLC, PO BOX 9771, FRESNO, CA 93794
FreeRepublic.com is powered by software copyright 2000-2008 John Robinson