Some splendid person hit me this week - The Horse Forum
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post #1 of 13 Old 06-13-2014, 06:42 PM Thread Starter
Join Date: Sep 2011
Location: Nine Mile Falls, Washington
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Some splendid person hit me this week

Right at the feed store when I was going to get my dog some chews, and now he's trying to say I was at fault.

I don't have insurance, as it expired before I could get funds enough to pay for it in bulk. I gave him my old insurance providers information, as he requested it, but I don't know why he'd need that information anyway.

What happened is I was driving in behind him, and it looked to me like he was parking, so I pulled in behind him and was about to park in this parking space and he rear ended me in my rear passenger door. Completely shattered my glass, and near bent my door in two. The insurance company came by to do an estimate on the damage, and said the costs of fixing it likely will outweigh my car's value, so, it's probably going to get totaled.

I gave my statement of what happened to the insurance, and she said that he alluded to wanting to back up into the space that I was in. And when I said I was just about to finish parking, she said he probably didn't see me because he's got a large truck. I don't know if that's a win for me, or what?

Yesterday he called asking if he could send something in the mail. Something about a dent or what not (He's hard to understand on the phone) and it turns out it's a preliminary estimate, which, the insurance paid for, and it totals to about 1k.

My car is going to get totaled, and I'm going to receive probably less than what it's worth, and he's going to fix up your dent with a nice coat of paint and potentially state that I have to pay for it? Excuse me? He hit ME. I'm not a mind reader. My car was turned and I was trying to focus on turning in straight and being a good driver. What would have happened if I had already been in the spot? Would he still say I was at fault if I had already parked and he continued to run me over?

I am beyond irritated... and I don't know what to do.

I'm beyond irritated right now. I have never been in an accident before.
Deschutes is offline  
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post #2 of 13 Old 06-13-2014, 07:19 PM
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You will probably be considered at fault for the simple fact you have no insurance. Not fair, but that's the way it goes....
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post #3 of 13 Old 06-13-2014, 08:28 PM
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Why didn't you file a police report ?
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post #4 of 13 Old 06-13-2014, 08:39 PM
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Did you take any pictures of the accident? File a police report? Not having insurance will make people look negatively upon you. It's not right or fair but it might happen.

Most insurance companies don't require you to pay the full six months up front. You may end up spending a little more but at least you'd have insurance.
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post #5 of 13 Old 06-13-2014, 08:40 PM
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In the state of Missouri it is a law that you must have insurance. I thought it was a law in every state.
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post #6 of 13 Old 06-13-2014, 09:03 PM Thread Starter
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the manager of the shop came out and said because no one got hurt not to call the police and to just exchange info.

Washington doesn't have that law, I don't believe. My mom says she doubts they will deny my claim because of no insurance.

The gentleman did and it is being sent to the insurance investigators.

I've never been in an accident before now, and I find the process bothersome
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post #7 of 13 Old 06-13-2014, 09:07 PM
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If he didn't have his signal on, I'm sure he would be held liable. There should have been an indication that he wanted the spot.
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post #8 of 13 Old 06-13-2014, 09:20 PM
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If it was on private property, the police likely wouldn't have gotten involved regardless.

When I was in college, I was in the parking lot of the church building across from the college. I was behind a guy in a big, lifted late-70s Ford pickup. I was driving a little 1986 Toyota pickup. He pulled into a parking space and sat there for a few seconds, so I thought he had parked. I proceeded to pull past him and all of a sudden my roommate, who was in my passenger seat, started screaming "Watch out!" at the top of her lungs. The guy had put his truck in reverse and was starting to back out. He looked the other way, but not in the direction I was coming from (my roommate watched him). He backed out too quickly for me to react other than slamming on my brakes when my roommate started yelling, but he ended up hitting my passengers front quarter panel and part of the door. It did $2500 worth of damage to my truck and didn't even scratch his bumper. The police were called, but as soon as they saw we were on private property, they told us to exchange insurance information and left. When the reports were filed (I had to call my dad, who was out of state, as I was on his insurance), he tried to say that my radio was blaring, I was going 20mph (in a parking lot!), and I was not paying attention at all. My roommate and I both gave independent statements to both my dad and the insurance investigator. The kid ended up being found at fault and his insurance company cut me a check for $3000 (the estimate for the damage plus an additional $500 for the inconvenience).

Stick to your guns of what happened and don't vary what you say. Try to find out if there were any witnesses.

I don't know what the law is in Washington, but in Arizona, the vehicle in forward motion has the right-of-way over a vehicle backing out.
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post #9 of 13 Old 06-14-2014, 12:00 AM
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Are you sure Washington doesn't have that law? A quick google search says all states but two states legally require insurance in order to drive. You not having insurance might very well come around to bite you if the other guy filed a claim.
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post #10 of 13 Old 06-14-2014, 12:14 AM
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WA State Licensing (DOL) Official Site: Mandatory insurance for drivers in Washington

Getting a driver license: Mandatory insurance

If you drive a vehicle that is required to be registered in Washington State, you must have one of the following:
Auto insuranceSelf insuranceCertificate of depositLiability bond


Operating a vehicle without the required coverage is a traffic infraction punishable by a fine of at least $450.


You don’t need to have insurance when you operate a vehicle registered as any of the following:
Vehicles registered in another state

When you drive a vehicle in Washington that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement if requested.

Related laws and rules

Vehicle registration

Mandatory insurance

* I'm often reading and posting from mobile and Siri loves to make a mockery of the English language.
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