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Old 07-08-2002, 07:50 PM   #1
wmacblue
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Dizzy "Real life" Vue Bumper Crash results (and insurance question)

You'll have to take my word on this, but it is a BAD idea to rerun rehearsal notes in your head while driving the New Jersey turnpike on a hot, congested Saturday...

Fortunately, I was doing well under 15 mph, and I'm happy to say that the VUE suffered no more damage than a slightly bent front licence-plate and the black, plastic "bug guard" pushed in a little bit (I pulled it back w/pliers and snapped it back into place).

The Lexus in front of me (the only car around me which did NOT pull forward when the traffic moved -- GRRRR!!) only seemed to have a couple of very small scratches; to be honest, the damange is SO minor that many people would have just walked away grumbling, but this bunch were really nasty along with it (they tried to persuade me to give them "$500 cash - then all this could just... go away.... I mean, isn't your deductible $500 <wink> <wink> Give us the cash instead...".)

So, bottom line - whatever the test results say, the VUE held up very nicely, thank you!

Now, can somebody tell me whether I HAVE to tell my insurance company about this? I'm not 100% sure the other side are going to phone it in, and I really, REALLY don't want to push my insurance rate up if I don't have to! But I also don't want to risk any repercussions if the other side DO phone it in, and I haven't done it first... (if you see what I mean) What's the correct way to do this?

The annoying thing is that my last accident was just about to "run out" (meaning that next March was 3 years since it happened) and now I'll be stuck with another one on the insurance books!

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Old 07-08-2002, 08:39 PM   #2
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You should likely inform your company of the accident and what happened. Since you're not making a claim they don't have to worry about your car. But if the other people make a claim then if nothing else your company has a heads up on what is happening. It could save hassle in the long run.

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Old 07-08-2002, 10:46 PM   #3
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Yes, report it and be very precise about the damage to the other car. Also state that they failed to move forward with the rest of traffic - it probably won't help you much, but it can't hurt.

If somebody did that to me - that is to get so bent out of shape then attempt to call it it a deal for $500, I'd call the police on the spot - if for no other reason than to get a fair and honest accident report. With a report, they can't stiff you three days later for neck injuries or a larger amount of damage that didn't occur. Without a report, it's your word versus theirs. And a picture in this case, could literally be worth a thousand $.

Hard to tell if the guy you hit was a major-league jerk or a con trying to steal from you.

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Old 07-09-2002, 01:07 AM   #4
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Yes, by all means call it in to your insurance company. The old "gimmie 500 bucks and I'll let it slide" thing is a scam. You give them 500 bucks... then 3 days later.. owww their neck hurts.. and you have no record of the payment. In the long run, it is a pain, but it is also covering your *****.
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2002 VUE FWD4m - Gone but not forgotten. 5/14/2002 - 10/31/2011

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Old 07-09-2002, 11:29 AM   #5
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Whenever you exhanged insurance and license info with someone, always best to have a Police in place to authenticate.

It sounds like pain in the butt, but it's the sure way to protect your butt.....

And always report to your Insurance agent too (esp once you gave out Policy number to another party!). As long as there're no claims in between, your rate shouldn't go up.....

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