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?
I see a lot of people living in NY for years and driving cars that have Virginia plates.
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.
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?
***************
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.
Half of the cars in the city have PA plates. Insurance scam. Know someone in PA, use their info. I don’t get it.
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.
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.
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 .
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.
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