Hummer 1, Motorcycle 0

[Crash ?]

Actually in the case of BWM riders, I'd ALMOST be willing to say 100%.. Sure as I do, I'll find one dealing drugs in front of a day care, from the trunk of his LT on the way home or something..

[f5fstop]

I agree with most everyone. File a complaint (should have been done within the hour after the accident), then get an estimate, then tell the guy how much; then get the cash or file an insurance claim.

Back when I was just out of college (yes there were cars) and home from overseas, I was rear-ended. I stopped, the other guy took off, I had such minimal damage (basically a scratch), I never reported the accident. The other guy did, and stated I drove off.
It took a few days, but the police believed me, and the guy got screwed up with his one witness and the different reports, but at one time I was facing a hit and run charge.
That didn't work, so the guy filed a civil claim. That didn't work because the Attorney found out the hard way that serving me might not be good for his health or the health of his client, thus the case was eventually dropped. Amazing what a few words in a parking structure will do to settle a lot of problems.

Guess what I'm saying is, what I learned that summer, ALWAYS file a report, even if you were the guilty one. Keeps everyone honest, and keeps the cops from calling you at early hours on a Sunday, asking you to come down to the station.

[usetosellhummer]

You are playing with fire, use your head not your heart. report and file or he could come back and make your world a bad place to be.
now call your agent after a station report to the police. NOW

[RubHer Yellow Ducky]

Originally Posted by usetosellhummer

You are playing with fire, use your head not your heart. report and file or he could come back and make your world a bad place to be.
now call your agent after a station report to the police. NOW

Didn't i say that but in blue...

[evldave]

Well, I have the names/numbers of 2 witnesses who both will attest I was pretty much stopped when he hit me. I have the name/number of the ambulance medic that was called to the scene. He (the motorcycle driver) signed a 'refusal for medical treatment' form or whatever because they wanted to take him to the hospital just to make sure. I have the name/number of the state patrol officer who responded to the scene. I have the guys driver's license, registration info, his address, etc. This afternoon, (hypothetically) I'll have a signed statement from his stating the wreck was his fault and releasing me from liability.

I do NOT have his insurance card, because he didn't have it at the time - he may not have motorcycle insurance (not a requirement in washington) and doesn't want to have to deal w/my insurance company. That may very well be the issue, I will ask him this afternoon when I see him. If he doesn't and I get the statement from him, $$$ for the repair, and he's still cool about the whole thing, I think I've protected myself pretty good and cut the guy some slack. Karma can be a good thing I've got uninsured motorist on my insurance, but I'll bet a case of beer if I file a claim I'll have to pay somewhere down the line in increased rates, etc (actually everyone will have an incremental increase in their rates because of the overhead). This seems like a good balance between risk vs hassle. Time will tell...

oh, and I have been sued before (not for an accident) and it generally sucks. I have also had to file claims w/insurance companies and have been completely screwed by them too (my own f'ing insurance company no less!). Either way, getting into an accident sucks ballz.

[DRTYFN]

You should have just backed over him and you wouldn't have this problem.

[usetosellhummer]

Hay, would you lend me some money? I'm good for it....

[Matt19]

Actually, even if it isnt your fault, your insurance company can still change your policy or drop you if you put in too many claims. So, if you really cant trust him, then file.

It cant hurt to file a police report, thats basically your insurance that he is at fault.

As for repairs, try a hummer body shop at some hummer dealors, they would put on manufacture parts. Some non-manufactured parts void warranties right???

But i could be talking out of my ars.

[evldave]

Yeah, my biggest concern is my insurance going up. I've had 2 claims in my whole life (one that I lost in court 10 years ago), but don't want have my insurance company screw me over by raising my rates even though it wasn't my fault.

Seems like the best path (yes, I'm wishy-washy on this subject) would be file police report, then go outside insurance company to get it fixed. That protects me from him blaming me, but also stays out of any potential uninsured motorist issues (if that's the case)...

This whole situation is

[Viet Nam Vette]

Originally Posted by RubHer Yellow Ducky

trust me on this

1. police report, yes now today stop reading and file it now

2. File a claim NOW against HIS insurance(have the police report before calling any insurance, report it to your insurance AFTER you get the police report

He had very minor injuries (DON'T BE A DOPE) minor now, no police report, what happens in 3 hours when he claims YOU backed into him

SORRY I TALK FROM EXPERIENCE

DO IT NOW !!!!!!

Do you see What the Duck has posted above.....!!!!

It is all True... !!!! Quit Pooping Around and get on the phone NOW..!!!

Do not be Mr. NIce Guy here.. You will get Screwed..!!!! Potect yourself and your family at all times.

USE THE SYSTEM..
IT's THEIR TO PROTECT YOU..!!!

[RubHer Yellow Ducky]

Originally Posted by evldave

Well, I have the names/numbers of 2 witnesses who both will attest I was pretty much stopped when he hit me. I have the name/number of the ambulance medic that was called to the scene. He (the motorcycle driver) signed a 'refusal for medical treatment' form or whatever because they wanted to take him to the hospital just to make sure. I have the name/number of the state patrol officer who responded to the scene. I have the guys driver's license, registration info, his address, etc. This afternoon, (hypothetically) I'll have a signed statement from his stating the wreck was his fault and releasing me from liability.

I do NOT have his insurance card, because he didn't have it at the time - he may not have motorcycle insurance (not a requirement in washington) and doesn't want to have to deal w/my insurance company. That may very well be the issue, I will ask him this afternoon when I see him. If he doesn't and I get the statement from him, $$$ for the repair, and he's still cool about the whole thing, I think I've protected myself pretty good and cut the guy some slack. Karma can be a good thing I've got uninsured motorist on my insurance, but I'll bet a case of beer if I file a claim I'll have to pay somewhere down the line in increased rates, etc (actually everyone will have an incremental increase in their rates because of the overhead). This seems like a good balance between risk vs hassle. Time will tell...

oh, and I have been sued before (not for an accident) and it generally sucks. I have also had to file claims w/insurance companies and have been completely screwed by them too (my own f'ing insurance company no less!). Either way, getting into an accident sucks ballz.

Dave the HIGHLIGHTED red was not mentioned before... Myself and i'm gussing others would not have been so strong in our words had you mentioned the red info up front...

[Hummer Guy]

Originally Posted by evldave

Sent pics to a local repair shop, $482. Called the dealer they said about $500 for the flare and rear corner.

Do I get a prize for being the closest?

[evldave]

Originally Posted by RubHer Yellow Ducky

Dave the HIGHLIGHTED red was not mentioned before... Myself and i'm gussing others would not have been so strong in our words had you mentioned the red info up front...

Yeah, sorry, didn't give you all the info. There are a lot of strongly opinionated people on these forums, so I don't mind (heck I'm one of them sometimes )

Just got off the phone w/the insurance company to see what they say. They recommended police report NO insurance claim. They count 'accidents' my fault or no and if I had another one in the next couple year (putting me at 3 recent accidents) I'd get screwed on my rates regardless of whose at fault.

Interestingly enough, I called the local sheriff's office, they said to NOT file a police report because it was less than $750 (their cutoff for a requirement).

So the tally is this:

Friends: File police report, don't claim insurance
Hummer forums: File police report, claim insurance (mostly)
My Insurance: File police report, don't claim insurance
Police: Do nothing, eat donuts

hmmm, decisions decisions....

[Wisha Haddan H3]

I guess you're doing the basics, but what happened to you, evldave? It's like you're turning into the diet coke of evil. Only one calorie ... not quite evil enough. Go back to your evil ways and cover your a$$.

As Lord Helmet says ...

[dеiтайожни]

Originally Posted by evldave

Friends: File police report, don't claim insurance
Hummer forums: File police report, claim insurance (mostly)
My Insurance: File police report, don't claim insurance
Police: Do nothing, eat donuts

I have put the obvious choice in bold. There is something you should know about us Hummer folk by now, we are always right.. even when we are wrong. AND REMEMBER... THE LARGER AND MORE COLORFUL THE FONT, THE MORE WEIGHT IT GETS IN THE DECISION.

[RubHer Yellow Ducky]

Originally Posted by evldave

Yeah, sorry, didn't give you all the info. There are a lot of strongly opinionated people on these forums, so I don't mind (heck I'm one of them sometimes )

Just got off the phone w/the insurance company to see what they say. They recommended police report NO insurance claim. They count 'accidents' my fault or no and if I had another one in the next couple year (putting me at 3 recent accidents) I'd get screwed on my rates regardless of whose at fault.

Interestingly enough, I called the local sheriff's office, they said to NOT file a police report because it was less than $750 (their cutoff for a requirement).

So the tally is this:

Friends: File police report, don't claim insurance
Hummer forums: File police report, claim insurance (mostly)
My Insurance: File police report, don't claim insurance
Police: Do nothing, eat donuts

hmmm, decisions decisions....

LISTEN to this WISE OLD MAN...

1. file police report
2. file claim with his insurance company (there is no law
that i'm aware of that says you can't file against his
company.

In 2006 a DIRECTV Truck rear cornered my Camry (sold) at anout 5mph ($3000 damage) I got police report, advised my insurance GEICO but made the claim against DIRECTV. They paid entire bill, 100%. After I was satified I notifed GEICO that all was well,

NO PROBLEM they said...

[evldave]

Originally Posted by Wisha Haddan H3

I guess you're doing the basics, but what happened to you, evldave? It's like you're turning into the diet coke of evil. Only one calorie ... not quite evil enough. Go back to your evil ways and cover your a$$.

As Lord Helmet says ...

You know it's interesting you bring this up. Just this morning, on my daily coke run (not THAT kind of coke) I pressed the wrong button and got coke ZERO. First time in 10 years at work that I've pressed the wrong button. Maybe coke ZERO is actually a terrorist plot to use bioweapons to weaken american resolve to the point where we just stop caring.

[f5fstop]

WTF is coke ZERO?

Originally Posted by RubHer Yellow Ducky

Never been SUED by a LIER I see...

TRY IT...

You won't like it

True, they fear my lawyers.

[marin8703]

I got a question to those who suggested a police report (i did too at the top, but for a different reason). I suggested it so that the guy doesnt claim that there wasnt even an accident at all. It seems that most of you suggest it as a proof of fault. Im a little confused because whenever I have seen an accident report it shows no indication of fault on it.

Maybe im missing something. All it has is the two drivers informations, the damage, date time location, witness names, names of people that were injured/died, and on the back your supposed to draw how it happened (you do this yourself, not an officer, and separately from the other driver so they may differ), and then your supposed to send it in to police hq. Im in chicago, and theres thoudands of accident per week, i think you have 7 days to file a police report after the accident. The whole process seems very disorganized.

So im not clear on how the report assigns blame, and i doubt when its sent in to police hq after you draw a pic on the back that they investigate thousands of reports weekly. I have noticed that the person who seems to be not at fault is usually listed as driver 1, is that how it is assigned, #1 no fault, #2 at fault. can someone clear this up?

another question, i have never personally filed an insurance claim so here it is. when you want to file a claim and the other driver is at fault, such as in evldave's case, do you contact your agent so he can start the process or go directly to the other drivers insurance company and file the claim there? I ask this because my dad, and a buddy (two separate occasions) were told by Allstate agent to do directly to the other company and file there, is this how it is?

thanks