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Traffic accident question

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Boat_max50

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Posted almost 3 years ago

 

If I did'nt have bad luck I honestly would have no luck at all... so yesterday while at work out in the field ( home health) I had pulled over in a vacant parking lot and was editing my GPS, I turned my head to look for cars failed to look in the mirror and hit a car apparently the little 88 yr old woman was directly behind my suv my hitch on my suv got her passenger door....FHP estimated 6,500$ worth a damage which I think that is a crazy estimate only b/c  the car was a o1... but it was a cadilliac so who knows... :(  The lady was actually going to leave the scene but I stopped her and made her wait  until FHP got there to file a report she was not concerned with damages at all .  I did not receive a citation or a warning, so when I called the claim in I told the insurance company neither one of us was placed at fault... my question is would this have been the correct answer since the FHP verbally told me at the scene I should have been issued a ticket for improper backing but I got lucky ? This is the first accident I have ever had..


In Life we should experience an adventure that will create a memory worth repeating.....unknown.....

Duke_max50

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Rate This | Posted almost 3 years ago

 

All states are different for LE. In OK I could not write you the ticket....collision on private property. We would work the wreck and defer you to insurance, however the collision report would indicate you backed without proper clearance.


That being said what will probably happen is, if she filed a claim with her insurance, one of their reps will talk with your insurance company, and possibly you, and then your insurance will pay the damages to both vehicles, minus your deductible for your's. Law enforcement may be different across the country but insurance company rules don't vary much state to state.


On the chance she did not file a claim, since you said she didn't seem worried about it, then just let your insurance company do their thing; that is why we pay them. Hope this helps.


If you can put some ice in a glass of bourbon I can drink it. If you can't I can still drink it.

Boat_max50

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Rate This | Posted almost 3 years ago

 

thanks I called in the claim myself with my insurance company waiting to hear back from them I just was'nt sure if I should say it was my fault since he did'nt give me a ticket we exchanged information at the scene with the officer, the lady said she seen me backing up but it happened to fast....I have liability up to 25,000$ worth of damage but I just wanted to answer their questions honestly. I told the one rep that I spoke with I was backing up my car received very little damage a few scratches her door was really messed up..I was more concerned getting her car fixed then mine.


In Life we should experience an adventure that will create a memory worth repeating.....unknown.....

Thumbnail_max50

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Rate This | Posted almost 3 years ago

 

I know that here in Ohio, when the accident is on private property we are the same as Oklahoma.  No citations are issued, the person at fault is usually listed in the "Vehicle A" slot.  I agree with DoubleT it sounds like she wasn't too worried about the damage.  i would let your insurance company just take care of the issue.  Like DoubleT says, that's what we pay the premiums for.

Rcsd04_max600_max50

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Rate This | Posted almost 3 years ago

 

That's what happen to me as well for my first accident. I was backing up in my dad's truck and some old lady came out of no where and I backed right up into her door. Just made slight damage to the door and pushed the mirror. Just like you I didn't know who to call or what to do. Luckly I had a cell phone to call one of my police friends. But I agree with Double. Since its private property, you most likely will not receive a ticket. It would have to be something more serious, like excessive speed or drugs and alcohol. That price seems a little much to me. For that price you could buy a car.


You wouldn't go in there for a million bucks...A Cop does it for less...A Reserve does it for free....

Csi_squirrle_max600_1__max50

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Rate This | Posted almost 3 years ago

 

Once I pulled into a parking lot of a bank that was closed (it was on Sunday).  I pulled in to fool around with my radio.  Unknown to me a young lady pulled in behind me.  She thought that I stopped there to wait to use the ATM.  Another driver pulled into the lot to use the ATM.  I was kinda in his way so I backed up to give him more room.  He stared waving like crazy.  I thought he was saying thanks and waved back.  Next think I know my four wheel drive pickup is on the hood of this car (literally).   I pulled up off her car and got out.  She was a scared but otherwise unhurt.  The worst part is I knew the officer who came and took the report.  I swore him to secrecy which lasted until he got back to the station.  Yea stuff happens sometimes.  You did the right thing by insisting on a report.  The way I look at it you will get something for all the premiums you have paid over the years and the lady will get her car fixed.  It's kind of odd the trooper gave an estimate.  We don't do that here. 

Imagesca4hzk2w_max50

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Rate This | Posted almost 3 years ago

 

mmmm says ...



I swore him to secrecy which lasted until he got back to the station.



We all knew that wouldn't last long lol.


I'm married to the LORD..no prenup