Ever heard of "L'Oubliette?"
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’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.
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.
Hm. Gotta love government intervention. /s
your PC has a virus
Ever heard of "L'Oubliette?"
Actually, you’re insurance company will pay for your car damage and his insurance company will pay for his car damage, and if the insurance companies believe it is worth fighting over they will go to an inter-insurance arbitration. Don’t fuss with contacting his fly by night insurance company. Your company owes you first party obligations to pay your claim ASAP regardless of fault.
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.
Your.
I’d say if you made the dude wait three and a half hours for a cop, you’ve already extracted your pound of flesh.
I’m not really sure it was worth it.
I’ve never heard of it taking 30 years of customership to get an insurance company to meet its obligations.
If you were in your car, it does not meet the legal definition of “parked” in “double parking” so such a claim means nothing.
Probably because a lot of people retire to AZ and they’re not the best drivers. You should not move to MD. I pay $1200 for 6 mos on a 16 year old SUV and a one year old Hyundai.
There are companies that appreciate long-term consumers who they have a good relationship with.
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