You call your insurance and give them the info. In PA, they will tell you to get it repaired and they will deal with the other insurance companys. Problem solved.
Fender Bender questions
- Thread starter diyjake
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And that won't go against my insurance? If I go through my insurance and pay my $500 deductible then it is totally pointless for me to report anything because I won't gain much if anything at all but will have a claim with my insurance.
Or am I wrong about this?
The OP will have to determine Pennsylvania's no-fault definitions and if his insurance company will raise his rate for making a claim (this sucks in an instance where you are 100% not at fault).
In Michigan:
"If you have an auto accident, no-fault insurance pays for your medical expenses, wage loss benefits, replacement services, and the damage you do to other people’s property. It does not matter who caused the accident. "
In Michigan, you need additional collision and comprehensive to cover your own repairs. In the case of the accident not being over a certain percentage of your fault, our insurance company will seek payment from the other driver. At least that's how I understand it - correct me if wrong.
After my wife's experience, I also recommend uninsured motorist coverage due to the huge number (10-20% +/-) of illegal non-insured drivers.
In Michigan:
"If you have an auto accident, no-fault insurance pays for your medical expenses, wage loss benefits, replacement services, and the damage you do to other people’s property. It does not matter who caused the accident. "
In Michigan, you need additional collision and comprehensive to cover your own repairs. In the case of the accident not being over a certain percentage of your fault, our insurance company will seek payment from the other driver. At least that's how I understand it - correct me if wrong.
After my wife's experience, I also recommend uninsured motorist coverage due to the huge number (10-20% +/-) of illegal non-insured drivers.
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AutoMechanic
Site Donor 2026
You should be able to call his insurance, if they won’t help you call your insurance and have them call his insurance that will get you taken care of my dad has had to do that many times when someone else was at fault and the police wouldn’t write a report.
Right on Trav. It happens. Have it touched up and move on. You can't keep em looking new once you put your vehicle on the road. After almost seventy years of vehicle ownership, I can tell you with one hundred percentage accuracy that, if this is the worst thing that will ever happen to your vehicle, then you sir have lived a fairy tale life. More aptly put, picking excrement with gallus,gallus domesticus. Regards
JTK
$100 Site Donor 2025
For this particular incident, I would have the shop that just did the work look at it and see what it costs. Like Trav suggested above, If it's $500 or less, I know what I would do and it wouldn't involve dealing with insurance companies.
Under-insured coverage as well.
Thank you everyone for your input!
I called his insurance (Geico) and started a claim. Hopefully all goes well.
I called his insurance (Geico) and started a claim. Hopefully all goes well.
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You’ll end up in small claims.
I actually hope that is correct because my son lives in PA, but he is still on my Texas auto policy. He's a student so I am able to do that. I dropped collision on both our cars on my last renewal because both our cars were old enough and had enough mileage (both over 100K miles) to be worth less than $4,000 (2012 Hyundai Accent and 2012 Mazda3). I became concerned when I remembered PA was no-fault. (In case someone were to do some damage to the car that wasn't bad enough to "total" it. I saved almost $800 on my annual insurance cost by dropping collision.
OVERKILL
$100 Site Donor 2021
Easy, go to my ins company and submit it, I wasnt at fault for a tire flying down the road. They will act on the OP behalf contact the other ins company for the claim.
I just dont know about the police not producing a report. I wasnt there so hard to comment but I would have wanted one, good news is the OP has a photo of the tire, the drivers license and ins card.
Now if you have a bad driving record, well then maybe its best to suck wind, drop it and pay repairs yourself.
Always willing to help you with advice for others, Overkill
I just dont know about the police not producing a report. I wasnt there so hard to comment but I would have wanted one, good news is the OP has a photo of the tire, the drivers license and ins card.
Now if you have a bad driving record, well then maybe its best to suck wind, drop it and pay repairs yourself.
Always willing to help you with advice for others, OverkillYou can or just call your insurance company and have them collect the money with far less times, energy, and thinking involved and move on.
They have a process called subrogation. They deal with one another all the time and this likely will just get paid off because its tiny money. Great you just got repainted so there is no difference in fade eventually of old/new. Its pretty much new/slightly newer.
Totally pointless for me to go this route. If his insurance doesn't take care of it it's not the end of the world for me.
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Yes I agree. Suing someone is no easy task,and no attorney will take on such a small case.
Did you give the other driver their hubcap back, or are you holding it until you get your damages paid?
Yes he took it back.
JHZR2
Staff member
Four minor incidents other drivers at fault over last 10 years and policy still is $800 per year full coverage two vehicles.
Try again.
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