first time car accident - guy is making a bogus injury claim...need help please :)

[Falisaty]

Originally Posted by Hasbinbad [You must be logged in to view images. Log in or Register.]

You misread his statement. He rear-ended someone, who was pushed into the car in front of it. The FIRST car in line (the second car to be hit) took off (fled the scene, technically even tho this person was hit by the first person who was hit, this person still committed a crime).

not in the state of florida... that person that was hit has the right to chose weather to stick around or leave. im preety sure its true in all states. just let it be known that if you chose to leave you cannot at a later date or time try to file a clame as it becomes a civil matter the moment you decide to leave the scene of an accident

[Gel Mibson]

I appreciate the relevant information and the troll remarks.

I'm not racist nor a redneck, I was just making a demographic remark. I also wasn't high or texting...good troll though I suppose.

It was raining in the city, the guy braked real hard and late to attempt to avoid hitting the car in front of him and I naturally had a delayed response and slammed my brakes. He hit the car in front of him first and then I tapped him afterwards.

I'll let insurance handle it at this point, I gave them all the information they needed so nothing I can do at this point.

Thanks to those who helped.

[Hasbinbad]

Things racists say:

Originally Posted by Gel Mibson [You must be logged in to view images. Log in or Register.]

I'm not racist nor a redneck, I was just making a demographic remark.

[Kagatob]

HBB keep the ignorant white guilt to R&F. I'd say keep it to yourself but you won't. [You must be logged in to view images. Log in or Register.]

[Kagatob]

Well you got his "information" during the event right?

Just will another "accident" to happen. [You must be logged in to view images. Log in or Register.]

[r00t]

Originally Posted by Gel Mibson [You must be logged in to view images. Log in or Register.]

being that the the car who rear-ended is always at fault

assuming this was your first mistake, should have denied denied denied. If it was true every moran would cut off semi's and slam the breaks for brand new cars and free money

[Barkingturtle]

Originally Posted by r00t [You must be logged in to view images. Log in or Register.]

assuming this was your first mistake, should have denied denied denied. If it was true every moran would cut off semi's and slam the breaks for brand new cars and free money

No, he's right--and people don't regularly allow eighteen-wheelers to hit them because that act results in death.

It's important to realize the at-fault determination is made by the insurance company and they essentially make their own rules. You can be stopped completely at a red light and have the dude in front of you put it in reverse and back into you and the insurance company will deem you at-fault for coming to rest too near the dude's rear-bumper.

If the front of your car strikes the rear of another car you are pretty much going to be found at-fault, but that's okay. Sometimes a not-at-fault will actually increase your premium more than anything--because the company can decide you drive in dangerous areas and that can be a more damning rating factor than your driving record.

In the end, it's a strange game--and the only winning move is to leave the scene of the accident before anyone can jot down your license-plate.

[raitheon]

Originally Posted by Barkingturtle [You must be logged in to view images. Log in or Register.]

In the end, it's a strange game--and the only winning move is to leave the scene of the accident before anyone can jot down your license-plate.

this is a really REALLY bad decision on so many different levels.

Mommy taught me to own up to my mistakes. Its also why we pay for insurance.

[raitheon]

Insurance adjuster here. 5+ years handling auto and home owners claims.

At this point there's really not much to do. Yes your insurance company will investigate, collect the police report and handle the claim accordingly. Unfortunately we can't do much when we don't have evidence on the contrary - but the info doesn't hurt (I.E. you eyewitnessing the guy walking into the ambulance).

Anything said at the scene is here-say - even if you were to appoligise for the situation the insurance company isn't going to take it to heart.

Lets talk worst case scenario here:
You have liability only on your car
this guy really is (or isnt, doesn't matter unless you have evidence of contrary) hurt
he sues you (technically your insurance company) - they pay limits, get them to sign a hold harmless for you and you're set.

What happens then?
Your rates increase or you're dropped and you find another insurance company for better rates / insurance.

So if it were just scratches on your bumper you'll be fine. This fender bender is nothing to worry about. At this point its out of your hands. Have a coke and a smile and wait for this whole thing to blow over.

if you need some more pointed advice PM me.

As for the dashcam remark - yes this is awesome, but Hindsight is 20/20.

[Barkingturtle]

Originally Posted by raitheon [You must be logged in to view images. Log in or Register.]

this is a really REALLY bad decision on so many different levels.

You'll feel differently once the insurance racket stops paying your bills. Get out while you still have some semblance of a soul, Brother.

Originally Posted by raitheon [You must be logged in to view images. Log in or Register.]

Mommy taught me to own up to my mistakes. Its also why we pay for insurance.

Total nonsense. I mean, the whole idea is sharing risk. When we pay premium we are owning everyone's mistakes.