- May 25, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Situation: Rear-Ended a Car and Driver Requesting Cash Payout
I recently rear-ended a car, causing very minor damage – just a scratch from the license plate. The driver has sent me an estimation from an auto shop and is requesting a cash payout for the damages. While I agreed to the cash payout, I requested that the driver sign a waiver. However, the driver has indicated that they do not want to sign a waiver. I am now unsure of the best course of action – should I report the incident to my insurance company?
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****** just grabbed a
With no waiver there is nothing stopping them from taking the cash and then reporting to their insurance and getting paid again…. Yes, report to insurance.
I would report to insurance, they will absolutely screw you over.
Driver refuses to go to insurance as it will be a hassle for him and wants to settle outside insurance . This is just coming off too shady to me as i was the one at fault.
Lawyer but not your lawyer, you need them to sign a waiver to protect yourself. If all parties agree to settle outside of insurance reporting, great, it will save a lot of time, some money and stress, not to mention potential increases in premiums but again, signed release form and then send the cash… Good luck.
Are you a fully licensed driver & over the age of 25, or are you somewhere within the graduated license system?
Does the quote for the repairs from the shop total more than the mandatory reporting threshold of $2,000?
(Ie the point at which you have to report the accident to the police in Ont.)
I ask because these are things that can impact how your insurance handles your claim if one is made.
I’m curious about the car you hit, i.e., was it a brand new, mint condition, or otherwise well maintained vehicle with pristine paint? Or is it a well loved car that’s seen better days, and there’s no chance in hell a small scratch is even an issue?
Yes, yes, Reddit trolls, people are entitled to be compensated for either car, but we all know that the person whose car is already dinged up doesn’t give a shit about a scratch like that.
Based on the answer above and the definitely sketchy behaviour, I’d give them a few options and 24hrs to pick one.
A. You pay the shop directly, and they sign a waiver.
B. You offer them less than the shop quote, pay them cash, and they still sign a waiver.
(The amount you offer is up to you. Is the shop quote OTT based on vehicle condition and the actual damage? Generally, when people make these outside insurance agreements for cash on low value issues, it usually involves a little bit of bargaining since you’re mostly just greasing their hand and not actually paying for repairs.)
C. You file it with your insurance and leave it. Most people have some form of no-fault or first accident forgiveness insurance these days.
It definitely seems like this person has ulterior motives if they aren’t willing to sign a waiver, but who knows, some people are just fussy about stuff like that these days.
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This is why you have insurance
He has no insurance
Always report to insurance…. Added tip: Get a dashcam it’ll save you headaches when dealing with insurance
They’re trying to fuck you over. The waiver basically means nothing anyway though.
I’d report it to insurance. Something fishy about a guy not wanting to sign a waiver.
He probably doesn’t have insurance
When a truck bumped into me and scratched my bumper I wrote up a letter indicating that I agreed for him to pay for the repairs and that nothing further would be done about this. He signed it, I signed it and it was a done deal. If he won’t sign then go through insurance, don’t pay him anything.
Report to insurance and collision centre. Unfortunately you might get an increase as a consequence but you’re also helping punish that asshole that you hit that has no license or insurance. You should have called police at the scene when they didn’t provide you with both valid papers
Not a lawyer, not legal advice.
Recently went through something similar, but from the other side. My motorcycle got hit in a parking lot. I also opted to deal with it outside of insurance for the sake of fewer headaches for all parties concerned.
After the bill was paid, I was happy to send a text message saying “With the bill for repairs having been paid, I resolve *insert name* from any further liability regarding the events of *insert date here*”
He was satisfied with that. Have to say, if he’d approached me with paperwork I might not have signed it.
Technically you must report to insurance but they may not penalize you if it’s under $2000 damage to all vehicles involved.
Give him a cheque or etransfer him. That, combined with your text messages, is more than enough evidence to discourage him playing sneaky buggers
Offer to pay the auto shop directly.