Hi.
I’d just like some advice because I am a bit clueless here.
I was turning left onto a semi-busy road in SC. I was stopped at the signed, and looked both directions and waited for a car to pass (which is how I KNOW I was stopped). I started to go but then saw a red car at the last second, so I stopped. This red car was 100% speeding (no way to prove it though). He slammed on his brakes and jerked the wheel, which ending up popping his tire and causing him to spin. He did not anything. We did not collide. I ended up changing the guys tire for him since he was pretty old and could not do it. I wanted to police to come out, and he said no. I wanted insurance and he said no need. He took a picture of my license (stupid of me) and we exchanged phone numbers. He is now saying that I owe him over a grand for all new tires and an alignment. I still want to go through insurance because this is why I have it, but he doesn’t want to. I can’t afford this cost.
Do I go ahead and file a police report and just make him go through insurance? Please, any advice would be great! Thank you!
Guy swerved to avoid me and popped his tire. I wanted to use insurance but he doesn’t want to??
byu/SchokoladeErdbeere inInsurance
Posted by SchokoladeErdbeere
16 Comments
As far as im aware he should just handle it himself there was no collusion
I’d do nothing. Stop speaking with him. If he sues, then get your insurance involved.
Tell him to file with his own insurance then ignore him. If there was no contact between your vehicles you don’t have responsibility to him. In general with accidents, if you cause one attempting to avoid one, you’re at fault for the accident you caused.
I’d contact your insurance for sure. Stop communicating that guy for now. Just do what the insurance says.
You should do nothing, and tell him to never contact you again.
You owe that man nothing.
He doesn’t want to use insurance because he is fully aware of the fact that you will not be held liable.
He identified your ignorance and is using that to scam you. Fuck him.
Just tell your insurance what happened. Don’t admit liability because it sounds like it was unclear. Tell the guy you’re going through proper channels and he needs to file with his insurance. End of story.
He’s trying to get money from you.
So, you were about to go, then you stopped after observing him going too fast? Would He have collided with you had you not stoped?
How is any of this your fault?
When driving a car, you have to be observent of other cars and any hazards. When you’re driving at higher speeds than the speed limit, you are not only shortening your reaction time but it is also harder for people (like yourself) to judge the speed. He did not collide with you, so I’m not sure how it is your fault. But, you’re insurance would decide who’s fault it is.
If you have a dashcam you can submit that. If not, it will probably be your word against his since the police were not called and I’m assuming, there were no witness statements.
If he keeps pressing for money from you, phone your insurance company and go no contact with him (let the insurance deal with it). Alternatively, he should be contacting his insurance.
Next time something like this happens phone the police right away and your insurance company. He probably did not want the police involved because he knew he was speeding and there was no collision so, it’s his fault.
NAL, I am assuming he called you. You could call your insurance and let them know or do nothing until you get notice he is suing you. From what you described, you didn’t go far enough into the right of way to cause such an overreaction. I wouldn’t have given him any information without getting his to include insurance.
Hopefully, someone else can give you more specific information or collaborate my take on it. Best of luck and take care.
This actually happened to me. I was driving and a lady turned in front of me, so to avoid hitting her I had to swerve and damaged my wheel. I filed a police report and was able to remember her license plate (she did not stop). I was an adjuster at the time and was able to find her insurer through her plate and file a claim with her insurance. She remember the incident and said she didn’t stop because she was scared but accepted liability. Her insurance company paid me. She did the right thing, even though there was no contact, she was the reason I had to swerve.
Talk to your insurance. With no contact, you may not be liable at all. Even if you’re only partially liable, they’ll walk you through if you actually owe anything based on your states liability law. Don’t need a police report, just call your carrier. If you do owe anything they’ll make sure all that’s paid is only what you legally owe.
You did nothing to cause his car problems. He did by speeding. Tell him to pound sand. You do not owe him a dime.
If there was no impact then you were not involved and he needs to use his comprehension or collision coverage.
Do not give him your insurance information.Although I’m sure you already did, but make sure you tell them there was no impact.He swerved and damaged his own car. The fact that you or he did not touch each other means you are not involved.You are not in this accident.He was in a one car accident by himself.
His fault not yours. He’s trying to get you to pay for his fuck up and then some. Ignore him and file a police report if he continues
Damn you are gullible 😂
Tell him to learn how to drive. You already went above and beyond by changing his tire for him. There is no need to involve your insurance. They will tell him to kick rocks and ask you why you gave him your info.
Whatever he does at this point has nothing to do with you and you are not responsible or liable.