Cool GTX

RushXTC
Called them twice today, Left messages to the lady handling the case, No answer and no call back.
 
Why? Probably to avoid doing any other work today, Since they get the long weekend off. -_-
 
Now I gotta wait until Tuesday..

You have an uphill battle: The insurance fraud department will probably be involved; to go over your claim very carefully.
 
1) You failed to get a police report, with a large amount of property damage. (what does your State Law require?)
2) You failed to notify your insurer; before the accident to add this car?  (Terms of your policy / State Law grace period?)
3) Most policies have exclusions if you are violating the law and are involved in a claim; gives the insurer a big out.
 
I know insurance company underwriters and insurance companies are always looking out for any unusual claims.
Really does not even matter if you are hiding anything or not; from their point of view it seems fishy.
I hope the other driver and any witnesses are willing to support your claim.  Maybe photos of situation before cars were moved?
 
In my State, the Insurance Commissioner's office is a great resource. 
 
That is were I learn that the value of the car is determined by the price it sells for at dealerships in my state.  Years ago I ended up in arbitration and got much more than the insurance company's offer to settle. (State - Worst, I mean F**m) It took weeks to get the hearing and then the ruling.
 
Good luck on a quick settlement, do your homework and buckle in for a bumpy ride.

kaninja

davestune
its a ford who cares

You do.

Squall_Rinoa86

kaninja
Your stopping distance @ 40 Mph is NOT under 3 car lengths.

Put it this way.. I can stop within the 10 seconds or so you get from when the light suddenly goes yellow.. doing 55MPH and Stopping BEFORE the white line. That's about 3 car lengths or so. Personal Experience with my 05 Legacy GT in Sport Mode.

Squall_Rinoa86

kaninja
Your stopping distance @ 40 Mph is NOT under 3 car lengths.

Put it this way.. I can stop within the 10 seconds or so you get from when the light suddenly goes yellow.. doing 55MPH and Stopping BEFORE the white line. That's about 3 car lengths or so. Personal Experience with my 05 Legacy GT in Sport Mode.

Squall_Rinoa86
going 40MPH I can stop pretty much in under 3 car lengths.


 

RushXTC

Afterburner

Baltothewolf

If the damage is over 3,000 then you are required by law (at least in Cali) to call the police and have a police report filed. RushXTC, I'm fairly sure they can deny your claim for that alone

 
Are you certain this is the case? I wonder if there is more to is. For example...
 
In many States, if a non-injury accident happens in a parking lot, police will not come to make a report because it is private property. And today $3k in damage is pretty easy.
 
Additionally, Insurance is an "Option" for claims. No law states you "Must" report every loss. In fact most insurance companies want you to self insure for as much as you are willing to pay on your own. They slam you with loss of discounts and surcharges if you do decide to make a claim.
 
Now, if the others you cause harm to call and file a claim, that is what insurance is for. But if one wants to fix their own car, so be it.
 
And the last I heard in California, you have 365 days to report some types of losses, and three years on others. But that could be old info I have in my mind! 

Yeah, I very much doubt what Balto said.
 
Just the hood is $1,800 and the 1 headlight that was damaged is another $700 and that's not even half the stuff that needs repairs... So you're right, $3,000 is easy to get in damages. I've seen a lot of accidents have claims without police reports, where the car is drive-able, But with extensive damage. IF there was a law like that, That would screw a lot of people over, So I doubt it.

Afterburner

Baltothewolf

If the damage is over 3,000 then you are required by law (at least in Cali) to call the police and have a police report filed. RushXTC, I'm fairly sure they can deny your claim for that alone

 
Are you certain this is the case? I wonder if there is more to is. For example...
 
In many States, if a non-injury accident happens in a parking lot, police will not come to make a report because it is private property. And today $3k in damage is pretty easy.
 
Additionally, Insurance is an "Option" for claims. No law states you "Must" report every loss. In fact most insurance companies want you to self insure for as much as you are willing to pay on your own. They slam you with loss of discounts and surcharges if you do decide to make a claim.
 
Now, if the others you cause harm to call and file a claim, that is what insurance is for. But if one wants to fix their own car, so be it.
 
And the last I heard in California, you have 365 days to report some types of losses, and three years on others. But that could be old info I have in my mind! 

RushXTC
Why would that be a problem? It was my own property that was damaged, Nothing else is being filed.
 
That's like punching myself and pressing charges for assault on myself...

RushXTC
I don't feel like losing my license right now.

Baltothewolf

Afterburner

Baltothewolf

If the damage is over 3,000 then you are required by law (at least in Cali) to call the police and have a police report filed. RushXTC, I'm fairly sure they can deny your claim for that alone

 
Are you certain this is the case? I wonder if there is more to is. For example...
 
In many States, if a non-injury accident happens in a parking lot, police will not come to make a report because it is private property. And today $3k in damage is pretty easy.
 
Additionally, Insurance is an "Option" for claims. No law states you "Must" report every loss. In fact most insurance companies want you to self insure for as much as you are willing to pay on your own. They slam you with loss of discounts and surcharges if you do decide to make a claim.
 
Now, if the others you cause harm to call and file a claim, that is what insurance is for. But if one wants to fix their own car, so be it.
 
And the last I heard in California, you have 365 days to report some types of losses, and three years on others. But that could be old info I have in my mind! 

I could have sworn I read that when I was doing research back when I got in my accident. I could be wrong though. If I am I'll happily admit it.

Ah, here we are.

In California, the driver of a vehicle that was involved in a traffic accident must report the crash:

A. If the accident resulted in injury to, or the death of, any person (such as another driver, a passenger, or a pedestrian).

B. If the accident resulted in any property damage (whether vehicle damage or damage to real property).

Failure to report a reportable car accident in California is a misdemeanor punishable by up to six months imprisonment, or by a fine of up to $1,000, or both.

RushXTC

Well, All I know is I would NEVER wish anyone to lose their license.