I hit someone today =/

[kevinz]

To make a long story short, I made a few scratches and maybe a small dent on the rear bumper of somebody's car by accidentally stepping on the acceleration in a red light(yes I know im stupid, i don't know how I could've did that. I had an argument with my gf on the phone =/). The car I hit is a 1999 Honda Civic. The guy recorded my drivers license number/address/and phone number; the police was not involved (at least yet). My question is what kind of penalty etc would I be looking to face? would the insurance company get involved?(can he somehow put that in my driver record since he has my drivers license number?)
I'm kinda panicking at the moment =/ by the way I don't have any of his contact info.

Any opinions/feedbacks would be greatly appreciated!

[Bytown]

To make a long story short, I made a few scratches and maybe a small dent on the rear bumper of somebody's car by accidentally stepping on the acceleration in a red light(yes I know im stupid, i don't know how I could've did that. I had an argument with my gf on the phone =/). The car I hit is a 1999 Honda Civic. The guy recorded my drivers license number/address/and phone number; the police was not involved (at least yet). My question is what kind of penalty etc would I be looking to face? would the insurance company get involved?(can he somehow put that in my driver record since he has my drivers license number?)
I'm kinda panicking at the moment =/ by the way I don't have any of his contact info.

Any opinions/feedbacks would be greatly appreciated!

There is no reason to panic.If you get the police involved then your insurance becomes involved.If i were you i would try to settles this with the other driver.

[onecoolloser]

Ask the guy you hit to get a few quotes from body shops on how much it will cost to fix the damage. After he gets the quote, go with him to the shop and pay for the cost to repair.

If he calls the police, then your insurance will go up and it will be under your driving record. Try to avoid this.

Bottom line: Get the damage fixed yourself via a body shop.

[cwb27]

If there is $1000+ of damage a police report must be filled.

[Jon Lai]

There is no reason to panic.If you get the police involved then your insurance becomes involved.If i were you i would try to settles this with the other driver.

+1

If it was only a few scratches then I doubt the other driver would even bother fixing it. I'd just buy some touchup paint and fix it up. Usually the driver would just ask for a few hundred dollars compensation or something. Otherwise, if he really wanted to fix it up at the body shop, then ask him to show you the bill and pay that - it should be minimal.

I doubt they'll want to get insurance involved as there's usually a $500 deductable.

[bst]

+1

If it was only a few scratches then I doubt the other driver would even bother fixing it. I'd just buy some touchup paint and fix it up. Usually the driver would just ask for a few hundred dollars compensation or something. Otherwise, if he really wanted to fix it up at the body shop, then ask him to show you the bill and pay that - it should be minimal.

I doubt they'll want to get insurance involved as there's usually a $500 deductable.

But that driver is not at fault, there shouldn't be any deductible under Direct Compensation, so he can just ask the insurance company to fix it

[bobbings]

just because the police fills the report doesn't mean the insurance company gets involved right? the cops usually recommend that you guys keep it on the DL from the insurance company. Having the police report would mean that it's on record if it were to escalate to the courts.

if the guy wants to fix the bumper, you're looking at a few hundred dollars to repaint. and if he decides to get it done at a honda dealership, it's going to cost you even more. get him to get a few quotes away from the honda dealership and you get some quotes too. see the difference and work out a deal from there.

he has a certain time limit to call the cops from the time of the accident.

i would think he would've copied your insurance number and all instead of the driver's license. anyways, correct me if i'm wrong and good luck.

[Bytown]

just because the police fills the report doesn't mean the insurance company gets involved right? the cops usually recommend that you guys keep it on the DL from the insurance company. Having the police report would mean that it's on record if it were to escalate to the courts.

if the guy wants to fix the bumper, you're looking at a few hundred dollars to repaint. and if he decides to get it done at a honda dealership, it's going to cost you even more. get him to get a few quotes away from the honda dealership and you get some quotes too. see the difference and work out a deal from there.

he has a certain time limit to call the cops from the time of the accident.

i would think he would've copied your insurance number and all instead of the driver's license. anyways, correct me if i'm wrong and good luck.


Most of the time when the cops are in play you have to go to the insurance as they work hand in hand.

[Cough]

Dont panic. The accident is <$1000. Unless the guy is a real prick he may just be assessing whether he needs to repair it or not, may be getting quotes etc. Since you have none of his info all you can do is wait. Since he doesnt have your insurance company info he can't contact them.

I have been lightly hit in my 1998 car and not bothered to nail the guy who accidentally nudged me.

[yao416]

Pay him under the table.
Sample as 1-2-3

[Jon Lai]

Pay him under the table.
Sample as 1-2-3

Definately. Make him offer you a price, negiotiate, and done deal.

[iluvmikeharris]

I wouldn't pay him a penny. If you report it to your insurance company as a report only (you aren't claiming any damage to your vehicle), they usually won't ding you with a surcharge. His company will pay him directly for his property damage under Ontario's no fault system.

[mbm]

To make a long story short, I made a few scratches and maybe a small dent on the rear bumper of somebody's car by accidentally stepping on the acceleration in a red light(yes I know im stupid, i don't know how I could've did that. I had an argument with my gf on the phone =/). The car I hit is a 1999 Honda Civic. The guy recorded my drivers license number/address/and phone number; the police was not involved (at least yet). My question is what kind of penalty etc would I be looking to face? would the insurance company get involved?(can he somehow put that in my driver record since he has my drivers license number?)
I'm kinda panicking at the moment =/ by the way I don't have any of his contact info.

Any opinions/feedbacks would be greatly appreciated!

hmmm i was involved in a similar accident as well, at first he decided he wanted to keep it on a DL and never came back to me so i guess i was lucky as i fixed my own car and not his.

reason i bolded is i believe..not too sure but as long as he doesn't have ur insurance policy # u r safe...again don't quote me on this I could be wrong.

I remember going to the collision centre with my buddy one day and he told the lady he has plates of the guy who hit him, she said it doens't matter i need his insurance policy #....

good luck to you

[kevinz]

Thanks all you guys for the helpful replies. I hope this would turn out as you guys said.

[mcg]

I remember my first bump... although no damage was there, the other driver let me off the hook.. phew! And don't worry, I'm sure the other driver won't be a *** and try to get you screwed. Just be nice and friendly to him.

[Jon Lai]

I wouldn't pay him a penny. If you report it to your insurance company as a report only (you aren't claiming any damage to your vehicle), they usually won't ding you with a surcharge. His company will pay him directly for his property damage under Ontario's no fault system.

When his insurance compayn reimburses him, he'll need your insurnace number, and therefore, your insurance company will be involved with it.

[dbx]

Just do like other's here have said ..if its absolutely necessary pay for his damages but don't let it go to insurance. I personally wouldn't even want to run the risk of my insurance going up ..how come you didn't take any of his contact info?

[iluvmikeharris]

When his insurance compayn reimburses him, he'll need your insurnace number, and therefore, your insurance company will be involved with it.

They're not involved with the payout.

[xwar]

+1

If it was only a few scratches then I doubt the other driver would even bother fixing it. I'd just buy some touchup paint and fix it up. Usually the driver would just ask for a few hundred dollars compensation or something. Otherwise, if he really wanted to fix it up at the body shop, then ask him to show you the bill and pay that - it should be minimal.

I doubt they'll want to get insurance involved as there's usually a $500 deductable.

agreed

[corrupt123]

You gave him all your info, but he gave you none of his?

That was a bad idea. Always exchange all the information.

[bobbings]

You gave him all your info, but he gave you none of his?

That was a bad idea. Always exchange all the information.

ya, bad idea to only give out your info. same thing happened to me once. a girl hit my car and being a noob, i asked for her info only since it was her fault, she was a noob and she gave me all her info. i didn't give her squat except for my phone number and name. the girl's dad later called the cops on me saying i didn't deal with it correctly and that i could get a ticket for that (wtf is with that!) i didn't get a ticket in the end but got a warning to smarten up next time. we are supposed to exchange information both ways apparently.

[patrob]

I think that the other driver has the right to go to any 2 dealerships of his choice & get a quote on the repair...& if you don't want the insurance company involved, then you most likely have to pay him what the quote is showing. Whether he fixes it or not, it's really not your business, since he has every right to be compensated for it. If you don't agree with the price he has been quoted, then you don't really leave much choice but to go through insurance.

So just pay & be done with. I know I would want to be compensated if that happened to my car, but I may choose to never do the repair & keep the money, which I believe I have every right to do ;) But make sure you put it in writing like an agreement that you did pay him for the damage signed by both, since he can come back later & say you never paid him :idea:

Good luck,

[bobbings]

I think that the other driver has the right to go to any 2 dealerships of his choice & get a quote on the repair...& if you don't want the insurance company involved, then you most likely have to pay him what the quote is showing. Whether he fixes it or not, it's really not your business, since he has every right to be compensated for it. If you don't agree with the price he has been quoted, then you don't really leave much choice but to go through insurance.

So just pay & be done with. I know I would want to be compensated if that happened to my car, but I may choose to never do the repair & keep the money, which I believe I have every right to do ;) But make sure you put it in writing like an agreement that you did pay him for the damage signed by both, since he can come back later & say you never paid him :idea:

Good luck,

he has the right to take it wherever he wants but you can certainly give it a try to convince him to get it fixed at a cheaper place. we all know how much more expensive it is to take it to a dealership to get it fixed. my buddy who works at the acura dealership says dealerships act as a middleman and they only send it out to contractors to do the paint job. correct me if i'm wrong but i think it's possible they do that and make money from being the middleman. that's why it's so much more expensive. again, i could be wrong.

[mdc]

Any opinions/feedbacks would be greatly appreciated!

Opinions?

Stop talking on the phone while you are driving ... you obviously can't drive (even while being completely still at a light) and talk on the phone at the same time

[ratface]

They're not involved with the payout.

To make a payout under Direct Compensation, the at-fault party needs to be identified. Otherwise, the claim would be paid as a hit and run and the deductible would apply.

So for the other driver to get his bumper fixed under his insurance policy, he will certainly need the OP's insurance info, and the OP will have an at-faul collision on his record.

[Atomic Chip]

I wouldn't pay him a penny. If you report it to your insurance company as a report only (you aren't claiming any damage to your vehicle), they usually won't ding you with a surcharge. His company will pay him directly for his property damage under Ontario's no fault system.

ratface is correct. The other fellow's insurance company will pay him but they will be entitled to reimbursement from the OP's insurer, under the Fault Determination Rules (http://www.e-laws.gov.on.ca/DBLaws/Regs/English/900668_e.htm).


don't worry, I'm sure the other driver won't be a *** and try to get you screwed.
Is this sort of homophobic comment really necessary? Please grow up. >:(

[Narci]

Technically if you read your insurance policies, all accidents must be reported to insurance whether you ceide to make a claim or not.

Generally, people just pay out of pocket and be done with it.

Pretty ironic how it's the law that you have to have insurance yet insurance companies will rape you if you make a claim.

Only problem might arise, though it rarely does, is that your insurance company finds out. The worst record to have in regards to insurance companies is failure ot report an accident.

[iluvmikeharris]

Technically if you read your insurance policies, all accidents must be reported to insurance whether you ceide to make a claim or not.

Generally, people just pay out of pocket and be done with it.

Pretty ironic how it's the law that you have to have insurance yet insurance companies will rape you if you make a claim.

Only problem might arise, though it rarely does, is that your insurance company finds out. The worst record to have in regards to insurance companies is failure ot report an accident.

This is correct. Aside from the other reasons I posted that I wouldn't pay him, he might not even have valid insurance or might not have collision coverage. I would never pay someone under the table for an accident.

[onecoolloser]

Any Update?

[Avatar]

+1

If it was only a few scratches then I doubt the other driver would even bother fixing it. I'd just buy some touchup paint and fix it up. Usually the driver would just ask for a few hundred dollars compensation or something. Otherwise, if he really wanted to fix it up at the body shop, then ask him to show you the bill and pay that - it should be minimal.

I doubt they'll want to get insurance involved as there's usually a $500 deductable.

It'd cost quite a bit of money as the whole bumper has to be painted. For the 7 years old Civic. You might get away with it by paying the guy a couple hundreds.

Also, the guy don't have to pay the $500 deductable. It's the person at fault has to pay for it. So he doesn't care. The only thing he cares is it will remain as a claim record although he is not at fault. Somebody bumped my car before and I didn't have to pay deductible unless the other party has no insurance.