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Thread: Rear ended someone
08-07-2009, 09:11 AM #1
Rear ended someone
I have a problem, I rear ended someone with my boyfriend's truck last night. It wasn't so bad, but I've never done that before. We exchanged insurance numbers, driver's license numbers, and phone numbers, but made no report to the poilce as no one was hurt. When I did call 911 for the proper protocol, the dispatch lady told me that both of us need to report it to a police station within the next ten days and then give my insurance company the report. I just dont wanna be screwed over here. Does this sound correct?? It was so minor on a late 90's Toyota Corolla. Will this be expensive?? how much do these kinds of body kits or whatever cost? I'd imagine it'll just the bumper. Thanks for the input in advance!
Last edited by frenchlake; 08-07-2009 at 09:14 AM.
08-07-2009, 09:18 AM #2
Welcome to GMTC. Here in Nevada it's mandatory you report the accident within 10 days. If you do not you can be cited and pay a fine. Your best bet is to call your insurance company and let them deal with it. After all that is why you pay them isn't it?Jim
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08-07-2009, 09:43 AM #3
Your partially in luck, being from MN, if he doesnt report the accident you cant be held liable, being that you didnt call the cops you are already on the way out of any responsibility to the accident, and thats part of the reason MN has no fault. The same thing happened to me 18 months ago. I bumped a lady, she didnt want to call the cops, all I did was put a small 1/4 inch wide dent in her F150 bumper. Nothing happened to me, thank you brush guard, so i was gonna just buy her a new bumper. Once I found out about this I could care less. Her insurance company keeps sending letters and every time the bill has gotten less and less, as they are just looking to get me to pay for part thus showing blame and then taking me to court. No police report, very hard to prove the rear endee had no fault in the accident. Like if the corolla was a 5 speed, maybe they just happend to roll a little and actually hit you!!
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08-07-2009, 11:47 AM #4
everything depends on your local laws, I would call a local police detachement and ask "I Was wondering about something,IF MY FRIEND (lol) hypothetically got in an accident what is the proper protocol for dealing with the accident?"
or something like that.
This is an excerpt from minnesotaa drivers manual
What to Do in a Traffic Crash
If you are involved in a crash, you must take certain actions to ensure
safety and compliance with the law:
• You must stop. Pull out of the driving lane, if possible, onto
the shoulder. Turn off the ignition to decrease the risk of fire.
• Protect yourself and the crash scene. Warn other drivers of danger
with emergency warning lights, flares, or flashlight.
• If someone in the crash is injured or killed, you must call the
nearest law enforcement agency or 911 as quickly as possible.
• If you are qualified, administer first aid. Otherwise, do what you
can to make injured persons comfortable. You are required by law
to provide a reasonable degree of assistance to crash victims.
Traffic Laws and Vehicle Operation 34
Minnesota Driver’s Manual
• You must provide your name, address, date of birth and registration
number of your vehicle to other drivers involved in the crash and
to any law enforcement officer at the scene. You must also show
your driverʼs license to any driver who asks to see it and to any law
enforcement officer at the scene.
• If a person involved in the crash asks for your insurance information,
you must provide the name and address of your insurance carrier
and the name of your agent.
• Insurance information must be given to the law enforcement
officer investigating the crash. If you do not have this information
with you, you must provide it within 72 hours.
• If a crash results only in property damage, it is not necessary to
notify law enforcement. If your vehicle is disabled, have it towed
as soon as possible.
• If you damage property other than a vehicle, you must inform the
Traffic Crash Reports
Every driver who is involved in a crash that results in injury, death, or
property damage of $1,000 or more must file a traffic crash report within
ten days of the incident. Find the form at www.mndriveinfo.org under
“Forms,” Crash/Accident Report, or call the DVS Public Information
Center at 651-296-6911 to have a form mailed to you. Send the written
report to Driver and Vehicle Services, 445 Minnesota Street, Suite 181,
St. Paul, Minnesota 55101. The report can also be filed electronically
at www.mndriveinfo.org under “Services,” Crash Records Report.
if there is more than $1000 damage to all vehicles combined then you need to report it to cover you @$$ otherwise you could face other problems.
thats just my 2 cents.
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08-07-2009, 12:02 PM #5
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I'm going to agree with Jimmie. Although it's not always the 'best' thing to do it is exactly the right thing to do. Your/his insurance will have to pay the damages on the car. If you would rather NOT involve the insurance then you can price the damage yourself. Call the guy up and ask him if he'd rather work with you in not involving insurance. Depending on the deductible it might be cheaper (for you) to fix the problem rather than going through insurance. If you have a $500 ded then you might be close as to the cost of repair, all depending on the severity of the damage. If the bumper/bumper cover needs replaced then it might well be over that.
If he's willing to work with you ask him to go get an estimate, quickly. If it's a lot tell him you'll let your insurance cover it. If it's not then bite the bullet and cut a check.
That's what I would tend to do in your situation. I don't know if that's the perfectly legal way to go about it nor do I know what kind of repercussions can amount from it so take these words as an opinion.
Good luck and please let us know what comes of it. It's good information to pass on to others.
08-07-2009, 12:08 PM #6
MAN! wth! you rearended a late 90's toyota corrola and i got rearended by one! freaky! i dunno what kind of damage is on your truck or the toyota but mine is going to cost about $2400 to fix as i just got a check from my insurance company yesterday... the only difference between you and me is that mine happened in a parking lot and according to the local cops because it was on private property they really DON'T investigate.. so it was declared no one was at fault and that we would go through our own insurance co's to get it fixed...
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08-07-2009, 06:26 PM #7
i wouldn't report it you dont need to in MN as long as the other person does not file a report your fine
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05-30-2011, 12:27 PM #8
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In MD, you do NOT have to call the police, however, you would be on your own with your insurance companies. If you do an Information Exchange prior to us arriving, we would not do anything. If you wait until we get there, we do an information exchange form with the case # for your insurance. If a vehicle is totalled, towed, or someone is injured/killed, it's an automatic MAARS report with a drawing/sketch and the condition of road, time of day, etc etc and case #. THAT paper goes right to insurance. The Information Exchange form is given to both drivers and they need to report the accident to their insurance.
Last edited by jchughes05; 05-30-2011 at 12:59 PM. Reason: EDIT: UNLESS THERE IS PERSONAL INJURY, THEN YOU MUST CALL POLICE
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