My Car Hit While Parked, Need Help With Next Step Plz

Emily0123 wrote: ↑ Hey guys,

My car was hit while parked in the condo underground parking.

The front pumper plus the left head lights have been damaged. The front bumper has been detached slightly and the hood is slightly raised. They left a phone number.

I called them and they are offering to pay to get it fixed. I informed them that I will go to our regular Honda dealership and get a quote.

Honda dealership will refer you to a body shop. No fee for estimate.
My question is, is there a fee to get a quote?
No fee.
Also if I get a quote, will the damage be logged under the VIN and appear everywhere such as on Carfax, etc. or will it only get logged when it is fixed?
Logged when its fixed.
Any important recommendations on what I should do moving forward? I have never been in this situation.
Get insurance involved. Looks like the person wants to privately settle.
The attached picture makes the damage seem not as bad as it actually appears in person for some reason.

Thanks.

secretalcoholic wrote: ↑

Emily0123 wrote: ↑ Thanks for the reply.

Yes I believe they are, they asked me to get a quote and they’ll pay the cost. Is there any issue with settling it like this? You would rather do it through insurance in this case?

secretalcoholic wrote: ↑ Idk if you're in Ontario, but in ON any accident under $2000 won't impact the other individuals insurance premiums anyways. So there's no 'harm' so to speak for them to do it.

The purpose of going through insurance is primarily to protect yourself. You won't have to pay anything obviously since they're at fault. But having the insurance prevents some of the following things from happening:
1. Them reporting to their own insurance and saying it was your fault instead;
2. Them claiming that you left the scene instead;
3. Them deciding not to pay last minute.

If you also have other benefits on your insurance, going through insurance might also get you covered for rental car costs while vehicle is being repaired.

hierophant wrote: ↑ I wouldn't get insurance involved at this stage if the person is offering to pay for it -the fact that they left a note suggest they're a decent person - someone just posted about getting hit while they were in the car and took off! That's the kind of people there are. Take into for a quote (there's no fee). If the person is giving you a hard time, then get insurance involved. If the roles were reversed, what would you want have done?

Emily0123 wrote: ↑ Oh no...

Ok I guess I’ll call insurance tommorrow to atleast tell them what happened. Hopefully this doesn’t go over $2k.

My Honda dealership is attached to a Honda Service Centre, they won’t deal with this damage and will refer me to a body shop?

And yupp I’m in Ontario.

the2ndme wrote: ↑ Not necessary. They might think it's "fair" to pay $500 for the damages. And if the damages are <$2000 in Ontario, why not just let the insurance company handle it? And OP may get a free car rental for a few days.

secretalcoholic wrote: ↑ It protects him/herself too (the person who caused it). Not saying OP is a horrible person, but anyone else can pull a scam by accepting the private settlement payout, then filing a claim to double dip.

the2ndme wrote: ↑ Not necessary. They might think it's "fair" to pay $500 for the damages. And if the damages are <$2000 in Ontario, why not just let the insurance company handle it? And OP may get a free car rental for a few days.

mxthor3 wrote: ↑ Let her go get a quote and provide it to the person who hit her. If they scoff at the price, then involve insurance. Simple stuff.

the2ndme wrote: ↑ I don't think OP has the hitter's insurance information. The hitter can end contact and basically it's a hit and run.

And OP likely has a deductible.

hierophant wrote: ↑I wouldn't get insurance involved at this stage if the person is offering to pay for it -the fact that they left a note suggest they're a decent person - someone just posted about getting hit while they were in the car and took off! That's the kind of people there are. Take into for a quote (there's no fee). If the person is giving you a hard time, then get insurance involved. If the roles were reversed, what would you want have done?

the2ndme wrote: ↑ Not necessary. They might think it's "fair" to pay $500 for the damages. And if the damages are <$2000 in Ontario, why not just let the insurance company handle it? And OP may get a free car rental for a few days.

secretalcoholic wrote: ↑ Nope, dealerships don't have the body shop specialty, even if it is attached to the service centre.

What they'll do is refer you to a body shop, or they'll have someone from the body shop that they prefer come over and do the estimate at the dealership.

secretalcoholic wrote: ↑ It protects him/herself too (the person who caused it). Not saying OP is a horrible person, but anyone else can pull a scam by accepting the private settlement payout, then filing a claim to double dip.

hierophant wrote: ↑ There's a form they can get OP to sign to prevent that from happening.

mxthor3 wrote: ↑ Let her go get a quote and provide it to the person who hit her. If they scoff at the price, then involve insurance. Simple stuff.

the2ndme wrote: ↑ I don't think OP has the hitter's insurance information. The hitter can end contact and basically it's a hit and run.

And OP likely has a deductible.

mxthor3 wrote: ↑ They absolutely could. Or they could pony up the $$$, get the car fixed and insurance is none the wiser. Here's hoping for option #1.

Menace wrote: ↑The repair can go over $2000 easily. I'm not saying they will freak out and change mind, just file a collision report to protect yourself.

secretalcoholic wrote: ↑ Idk if you're in Ontario, but in ON any accident under $2000 won't impact the other individuals insurance premiums anyways. So there's no 'harm' so to speak for them to do it.

The purpose of going through insurance is primarily to protect yourself. You won't have to pay anything obviously since they're at fault. But having the insurance prevents some of the following things from happening:
1. Them reporting to their own insurance and saying it was your fault instead;
2. Them claiming that you left the scene instead;
3. Them deciding not to pay last minute.

If you also have other benefits on your insurance, going through insurance might also get you covered for rental car costs while vehicle is being repaired.

Emily0123 wrote: ↑ Jeez I don’t even know what to do anymore. Just gonna sleep on it. Leaning towards getting a quote tommorrow and contacting him with the price. If yes then take the payment and if not go through insurance. And hope he doesn’t pull anything stupid...