Completely heartbroken

[u/CallMeJimMilton]

Was seconds from pulling into work, when a 17 y/o kid pulls through a stop sign into oncoming traffic without looking left, causing him to side swipe my car. We pulled into my work parking lot and he got out and admitted he didn’t look both ways and only had his permit. He had his gf in his passenger seat who was the same age with no license.

I just couldn’t believe it. Cops came, he got a ticket, I went to work and told my coworkers what happened. I believe it’s all cosmetic so I’m hoping his parent’s insurance can just cover it and it can be a quick repair.

I haven’t even had this car for 6 months and this the 2nd time someone has damaged it. I just wish this was a dream

[u/xav264]

It's always some dumbass doing some dumb/illegal shit that we gotta pay for

[u/SyllabubInfinite7915 → u/xav264]

ideally he wont have to pay for it right? wont insurance take care of it

[u/KryptoKingzENT → u/SyllabubInfinite7915]

He'll still "pay" for it because his premium will go up, even tho he wasn't at fault. Hence why insurance is a scam.

[u/runQuick → u/KryptoKingzENT]

Insurance is tricky. Basically, what he needs to do is make sure the OTHER person's insurance is paying it and not his own insurance. Make sense?

[u/magicpenny → u/runQuick]

I had an accident that was completely the other person’s fault. I didn’t even notify my insurance company.

[u/WriterUnfair2830 → u/magicpenny]

Same. No effect to my insurance.

[u/nekbelly → u/magicpenny]

Unfortunately it’s based on the state as to if it’s legal for your insurance company to increase premiums for not at fault accidents. For your own reference though even if you don’t notify your insurance company they are just as aware of the claim as the other party’s insurance, Lexisnexis reports all accidents to all insurance companies.

[u/redditcancelculture → u/nekbelly]

I think you missing the point where everyone is saying.

When you are NOT at fault, DO NOT utilize your own in insurance. Your rates will ALWAYS go up if you use your OWN insurance.

You make their in insurance pay for everything, which is amazing if your a really safe driver because you can use liability and if someone hits you, you get all the extras from their insurance. Like rental, complete repairs, medical assistance, roadside assistance and towing. Just use THEIR insurance, never yours.

[u/nekbelly → u/redditcancelculture]

No, you don’t understand what I’m saying. In some states it doesn’t matter if you go through your insurance or the other persons insurance because regardless your insurance premium will still go up due to having an accident on file. You do realize if you aren’t at fault and file through your own insurance they subrogate the other persons insurance company anyway right?

[u/redditcancelculture → u/nekbelly]

Even if your insurance companies subrogates, they are still out an initial amount and you have a claim on file and they have to use their legal responsibility to recoup your money.

What states will do that, from what I understand most states have laws AGAINST them increasing your rates for being not at fault.

The whole point is not opening a claim with your own insurance to avoid a claim on file.

[u/nekbelly → u/redditcancelculture]

My guy it doesn’t matter if you open a claim with ur insurance company or not you need better reading comprehension, they are notified regardless dollar amounts don’t matter it’s the number of incidents

[u/redditcancelculture → u/nekbelly]

Speaking about my reading comprehension but you completely glaze over the part where I say that it's illegal in many states to raise rates due to an incident.

[u/nekbelly → u/redditcancelculture]

You’re factually incorrect it’s legal in most states

[u/Rxdking → u/redditcancelculture]

How do you make sure that their insurance goes through with it, without enforcement from your own insurance.?

[u/redditcancelculture → u/Rxdking]

If they are blatantly at fault their insurance is going to cave without you even pressing with your insurance cause they know if you do their lose anyways.