Out-of-Pocket vs. Insurance Dilemma
Hi everyone, I’m currently involved in a legal matter from an incident last year where I allegedly rear-ended someone at a stop sign. They’ve claimed neck and shoulder injuries, and I have a deposition coming up in three weeks.
Recently, while I was parallel parking, a car in the adjacent lane slowed down to avoid hitting me. Just as I was backing in, a second car scraped my driver-side bumper and fender. They attempted to leave the scene but ended up pulling over when the traffic lights turned against them. I didn’t call the police at the time, but I did collect their contact details.
Unfortunately, I accidentally took a picture of the wrong document, and it seems to contain vehicle warranty information rather than their insurance details. I do have their name, address, phone number, and license plate number.
My questions are: Am I able to file a claim to get the damage fixed? Should I consider paying out of pocket for the repairs, which would cost around $5,000? Also, could the ongoing legal case from last year negatively impact my situation with this new damage? Any advice or information would be greatly appreciated. I also shared about the previous incident a while back. Thank you!
It sounds like you’re in a tough situation with both your current legal matter and the new incident. Here are a few considerations:
Insurance Claim: If the other driver has insurance, you can definitely pursue a claim to get your car fixed. You have their personal information, but you’ll need their insurance details to file a claim. Since you accidentally took a photo of the wrong document, consider reaching out to them for their correct insurance information.
Out of Pocket Repair: Paying out of pocket is an option, especially if you’re concerned about dealing with delays or complications with the insurance process. However, $5,000 is a significant amount, so weigh this against what you could recover through insurance.
Legal Considerations: Given that you have an ongoing legal issue regarding the rear-end collision, it’s wise to consult with your attorney. They can provide guidance on whether the new incident might impact your current case, especially if liability could be called into question or if it may raise concerns about your driving record.
Documentation: Document everything related to both incidents carefully. For the new incident, gather any photos of the damage, the other driver’s info, and any witness statements if you have them. This will all be helpful if you need to make a claim or if it comes into play with your current legal situation.
Insurance Notification: Consider notifying your insurance about the new incident as well. Even if you plan to seek compensation from the other driver, keeping your own insurance informed can protect you in case of complications later on.
Expert Consultation: If you’re unsure about the process with insurance or the legal implications, it may be beneficial to consult with a personal injury attorney or insurance professional to get specific advice tailored to your situation.
Stay organized and keep all documentation handy, as this will help you navigate both situations more smoothly. Good luck!