Rear ended and have an insurance question
Thread Starter
MBWorld Fanatic!
Joined: Mar 2007
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From: Houston, TX
C32/C55 AMG
Rear ended and have an insurance question
I was rear ended around 4 or so today. Nothing major just scraped up my bumper and there is a slight bulge in the bumper by the tail light.
Well, the person that rear ended me was rear ended by a person behind them and I'm assuming caused them to run in to me. So who's insurance should be convering my damage? The person that hit me or the person that hit the person behind me causing them to hit me?
Well, the person that rear ended me was rear ended by a person behind them and I'm assuming caused them to run in to me. So who's insurance should be convering my damage? The person that hit me or the person that hit the person behind me causing them to hit me?
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LET C32 2002
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Joined: Jun 2007
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From: Ogden, Utah.
C32 ///AMG
I would say +1 but if you were rearended by the car behind you that could mean they were following too close to begin with as such that they ended up hitting you so I say let your insurance sort it out for you...just explain what happened and let them determine who is at fault its there job anyway...don't worry about it
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Joined: Feb 2006
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LET C32 2002
Thread Starter
MBWorld Fanatic!
Joined: Mar 2007
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From: Houston, TX
C32/C55 AMG
I would say +1 but if you were rearended by the car behind you that could mean they were following too close to begin with as such that they ended up hitting you so I say let your insurance sort it out for you...just explain what happened and let them determine who is at fault its there job anyway...don't worry about it
I received a call from that driver asking me if she could pay for the damages out of pocket, but I'm a little worried that their could be some risk associated with that. The insurance rep told me that they will most likely be getting in contact with her insurance, so I may just have to go through her insurance any ways.
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From: Houston/ Austin /Toronto / UAE / Minneapolis / Orlando /Cincinnati
Eurocharged Performance ML63 and TT lambo
I have been through this many times. The person at the end of the "parade of crashed cars" will be responsible.
DO NOT LET HER PAY OUT OF POCKET- Really bad idea.
Go through the insurance, as there is a lot of stuff that could happen if you dont.
Had a friend that had that happen, and he took the cash. A month later the responsible parties insurance contacted him about a medical claim that "he caused"
Better safe then sorry.
You do have a police report??
DO NOT LET HER PAY OUT OF POCKET- Really bad idea.
Go through the insurance, as there is a lot of stuff that could happen if you dont.
Had a friend that had that happen, and he took the cash. A month later the responsible parties insurance contacted him about a medical claim that "he caused"
Better safe then sorry.
You do have a police report??
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Joined: Aug 2006
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From: Houston
C63S
+1
I have been through this many times. The person at the end of the "parade of crashed cars" will be responsible.
DO NOT LET HER PAY OUT OF POCKET- Really bad idea.
Go through the insurance, as there is a lot of stuff that could happen if you dont.
Had a friend that had that happen, and he took the cash. A month later the responsible parties insurance contacted him about a medical claim that "he caused"
Better safe then sorry.
You do have a police report??
DO NOT LET HER PAY OUT OF POCKET- Really bad idea.
Go through the insurance, as there is a lot of stuff that could happen if you dont.
Had a friend that had that happen, and he took the cash. A month later the responsible parties insurance contacted him about a medical claim that "he caused"
Better safe then sorry.
You do have a police report??
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MBWorld Fanatic!
Joined: Feb 2006
Posts: 6,213
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LET C32 2002
I have been through this many times. The person at the end of the "parade of crashed cars" will be responsible.
DO NOT LET HER PAY OUT OF POCKET- Really bad idea.
Go through the insurance, as there is a lot of stuff that could happen if you dont.
Had a friend that had that happen, and he took the cash. A month later the responsible parties insurance contacted him about a medical claim that "he caused"
Better safe then sorry.
You do have a police report??
DO NOT LET HER PAY OUT OF POCKET- Really bad idea.
Go through the insurance, as there is a lot of stuff that could happen if you dont.
Had a friend that had that happen, and he took the cash. A month later the responsible parties insurance contacted him about a medical claim that "he caused"
Better safe then sorry.
You do have a police report??
LET THE INSURANCE GUIDE YOU...
Thread Starter
MBWorld Fanatic!
Joined: Mar 2007
Posts: 1,948
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From: Houston, TX
C32/C55 AMG
I have been through this many times. The person at the end of the "parade of crashed cars" will be responsible.
DO NOT LET HER PAY OUT OF POCKET- Really bad idea.
Go through the insurance, as there is a lot of stuff that could happen if you dont.
Had a friend that had that happen, and he took the cash. A month later the responsible parties insurance contacted him about a medical claim that "he caused"
Better safe then sorry.
You do have a police report??
DO NOT LET HER PAY OUT OF POCKET- Really bad idea.
Go through the insurance, as there is a lot of stuff that could happen if you dont.
Had a friend that had that happen, and he took the cash. A month later the responsible parties insurance contacted him about a medical claim that "he caused"
Better safe then sorry.
You do have a police report??
MBWorld Fanatic!
Joined: Mar 2005
Posts: 1,605
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From: bay area, CA
'06 E350 Iridium Silver with pano
This happened to my car last December. Our car was in the middle. As long as you state the facts to your insurance, they will take care of everything. A police report is not necessary in this case. It actually delayed us because the officer did not submit the paperwork until after a week or so.
Super Member
Joined: Apr 2007
Posts: 543
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From: South FLA
C32 AMG
Do you have rental included in your policy? Sounds like your car is driveable but will still be out of commission a week or so to get fixed. If so, your insurance co will definitely want an accident report.
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Joined: Jul 2007
Posts: 5,459
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From: Houston/ Austin /Toronto / UAE / Minneapolis / Orlando /Cincinnati
Eurocharged Performance ML63 and TT lambo
I would definately call your insurace and start the paperwork. A lot of townships let you file an accident report after the fact just for documentation purposes (and some ins agencies need it)
So, i would look at that.
I cannot stress enough to go through insurance and file a police report. I have had friends get screwed without going this route by someone who was very nice..........
So, i would look at that.
I cannot stress enough to go through insurance and file a police report. I have had friends get screwed without going this route by someone who was very nice..........
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Joined: Jan 2008
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From: Ohio
X3 and 2012 C coming soon
No, I didn't call the cops. I didn't think that it was necessary. Every one was safe and I didn't want the cop to give any one a ticket. I was at a complete stop and I had slowly been following a bus, plus I had two passengers with me. If I need evidence that I was not at fault, I think I'm covered.
Senior Member
Joined: Jul 2005
Posts: 419
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From: Los Angeles, CA
'05 C55 AMG
I was rear ended around 4 or so today. Nothing major just scraped up my bumper and there is a slight bulge in the bumper by the tail light.
Well, the person that rear ended me was rear ended by a person behind them and I'm assuming caused them to run in to me. So who's insurance should be convering my damage? The person that hit me or the person that hit the person behind me causing them to hit me?
Well, the person that rear ended me was rear ended by a person behind them and I'm assuming caused them to run in to me. So who's insurance should be convering my damage? The person that hit me or the person that hit the person behind me causing them to hit me?
liability will hinge on whether the car behind you was stopped or slowing down. if clearly stopped, then it should be entirely the 3rd car's fault. if the 2nd car was just slowing down, then the 3rd car can try to make the argument that the 2nd car was following too closely and is therefore responsible for a % of the damage.
the downside of using your own insurance if having to pay for the deductable up front and waiting for it to be reimbursed later. upside is having your car fixed faster instead of waiting for all parties to complete their investigations.
pm if you have any further questions. i deal with auto accidents all the time.
Senior Member
Joined: Jul 2005
Posts: 419
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From: Los Angeles, CA
'05 C55 AMG
i'm sorry but that's complete BS. if you follow that logic, the drivers of the cars would also not be allowed to testify because they have an even bigger reason to be "biased". here's a wild guess...did the other side's insurance adjuster tell you that?
