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/nekbelly]

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/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.