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Old 12-19-2012, 07:14 PM   #1
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So my mom got into an accident

My mom was driving her Trailblazer home when she got hit at a four way stop. She just barely left the stop sign when a young girl ran the stop and hit her right in front of her front driver side tire. The area is pretty messed up. Both drivers have insurance. My mom is supposed to drive my Camaro and I the Trailblazer. What should I tell the insurance people tomorrow since she'll be at work and I'll be talking to them? Any advice would be appreciated.

Pics in a bit.
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Old 12-19-2012, 07:16 PM   #2
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Glad she's ok!
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Old 12-19-2012, 07:17 PM   #3
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Just tell them the camaro was being modded so she drove the trailblazer
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Old 12-19-2012, 07:17 PM   #4
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Glad she's ok too and the truth is always the only way to go
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Old 12-19-2012, 07:18 PM   #5
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Glad she's ok too and the truth is always the only way to go
Agreed! My advice is terrible
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Old 12-19-2012, 07:21 PM   #6
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Just tell the insurance the truth and let the chips fall where they may. Insurance company's can usually sniff out BS if there is any. Not worth lying about a claim to only have it denied. Now that would really suck.
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Old 12-19-2012, 07:26 PM   #7
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Tell them your Mom borrowed your truck because she was going shopping and needed the extra room.
Glad she's ok.
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Old 12-19-2012, 07:27 PM   #8
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Just because your mom is listed as the primary driver on your camaro it doesn't mean she can't ever drive the trailblazer. I don't foresee you having any problems especially if it wasn't her fault.
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Old 12-19-2012, 07:29 PM   #9
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I'd be willing to bet that they don't ask so don't bring it up. Facts are that family members drive each others car sometimes.
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Old 12-19-2012, 07:31 PM   #10
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Well there's road construction being done around her school (elementary teacher) so it makes sense that she would be taking the Trailblazer.

The other girl admitted to the cop that she (girl) was at fault. Would there be a rise in our insurance?
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Old 12-19-2012, 07:32 PM   #11
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Who's insurance company are you meeting with?

If it's the other driver's insurance company screw them, that stuff is none of their business. They have to take responsibility, its your vehicle so they have to settle with you on the damages.
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Old 12-19-2012, 07:33 PM   #12
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Who's insurance company are you meeting with?

If it's the other driver's insurance company screw them, that stuff is none of their business. They have to take responsibility, its your vehicle so they have to settle with you on the damages.
We have State Farm and the other girl has All State.
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Old 12-19-2012, 07:37 PM   #13
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If the girls insurance accepts blame, which it should, then you will see no increase in rates. Even if you have to make a claim on your insurance and they agree it wasn't your fault then you should not see any insurance rate increase (an example would be if she didn't have insurance).
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Old 12-19-2012, 07:40 PM   #14
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No I meant who is gonna be asking questions?

All-state has no business asking you any personal questions, their girl hit you and that makes you owning them, not the other way around. I usually don't even deal with my own insurance company with wrecks that aren't my fault.

This happened to me once when I was young, except I was the one that wrecked "dad's" truck and it was my fault. Our insurance company kept calling me and asking if it was really my truck and we said I just borrowed it to move furniture. After that we knew the gig was up.
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Old 12-19-2012, 07:45 PM   #15
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I just was in a accident a coupe of months ago and it was the other drivers fault but even tho i didnt go thru my insurance i still had to give my side of the story to not only my insurance but theres too...dont understand why and it didnt effect any outcome but there insurance did call me for my side of it and recorded it as well
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Old 12-19-2012, 07:52 PM   #16
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I just was in a accident a coupe of months ago and it was the other drivers fault but even tho i didnt go thru my insurance i still had to give my side of the story to not only my insurance but theres too...dont understand why and it didnt effect any outcome but there insurance did call me for my side of it and recorded it as well
They somehow found out about it, so they are compelled to handle their end of it. It covers everyone's ass so no harm done, right?

I would call my insurance if it was something major but it's always been minor crap anyway I don't need their help.
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Old 12-19-2012, 08:17 PM   #17
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Quote:
Originally Posted by two_wheel_mayhem View Post
No I meant who is gonna be asking questions?

All-state has no business asking you any personal questions, their girl hit you and that makes you owning them, not the other way around. I usually don't even deal with my own insurance company with wrecks that aren't my fault.

This happened to me once when I was young, except I was the one that wrecked "dad's" truck and it was my fault. Our insurance company kept calling me and asking if it was really my truck and we said I just borrowed it to move furniture. After that we knew the gig was up.
Well my mom is calling State Farm tomorrow to tell them about the accident. My uncle says that they're gonna send somebody to see the damage.
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Old 12-19-2012, 08:19 PM   #18
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Quote:
Originally Posted by jmontalvo View Post
We have State Farm and the other girl has All State.
Thank God it's not Progressive. Flo does to play
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Old 12-19-2012, 08:28 PM   #19
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Quote:
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We have State Farm and the other girl has All State.
Sorry to hear she has allstate...let me know if they give you the run around they gave me when I got rear ended by one of their clients. Im interested to hear just out of curiosity

Dont fall for their crap about claiming it on your insurance and just letting your insurance go after them....or the his insurance only covers a rental for 5 days so thats all were giving you crap either.....All state is run by the Devil I tell you.......

Anyways good luck, it shouldn't matter who was driving the vehicle as long as there was insurance on it......
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Old 12-19-2012, 08:29 PM   #20
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Here are the pics.

Name:  ImageUploadedByTapatalk1355970371.822027.jpg
Views: 980
Size:  186.0 KBName:  ImageUploadedByTapatalk1355970313.065528.jpg
Views: 985
Size:  195.4 KB
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Old 12-19-2012, 08:31 PM   #21
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I would say that's un-drivable with it rubbing the tire like that, they should have you in a rental now until its fixed.
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Old 12-19-2012, 08:33 PM   #22
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Does you mother know that you are lying to the insurance company about who is supposed to drive what. Not sure why you would assume more risk by paying for an insurance policy then giving them a way out of paying if they catch you. The other girl was at fault so her insurance will pay anyway .
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Old 12-19-2012, 08:35 PM   #23
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Glad your mom is ok.

Just give it to the insurance straight. Our 16yr daughter just got her license and we added her to our policy. The insurance said that they would put her on our 91 jetta diesel as the main driver since that would be the cheapest. They did it on their own we didn't have to ask, even though she is driving a Chevy Cruze.
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Old 12-19-2012, 08:40 PM   #24
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Quote:
Originally Posted by two_wheel_mayhem View Post
They somehow found out about it, so they are compelled to handle their end of it. It covers everyone's ass so no harm done, right?

I would call my insurance if it was something major but it's always been minor crap anyway I don't need their help.
True but mine was major so thats probably why both were involved
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Old 12-19-2012, 09:20 PM   #25
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just tell them the truth...lying always backfires in the end...especially when you're dealing with more than one girl, but that's another story
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