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79T/A · 04-19-2007, 08:29 PM

Go to the local police department where the accident occurred IMMEDIATELY and ask for a citizen's accident report. Get your side on record now. They should give you two forms, a yellow form and a white form. You fill the yellow form out and hand it over to the department and they will assign a number to it, give you a copy and keep it on file. You fill out the white form and mail it to the state.

Next time, GET A POLICE REPORT ON THE SCENE. I had the same thing happen. I rear-ended some dude's car and we exchanged info. I waited forever for him to call me with an estimate but it never happened. Instead, when I went to renew my insurance, I discovered it had gone up over $1,000.00 Turns out he filed a claim with my insurance company, who took care of it WITHOUT EVER NOTIFYING ME. Needless to say, I no longer use that insurance company, who shall remain nameless (Their initials are Liberty Mutual).

Even if you're at fault, you are always safer with an accident report written by a police officer. The officer can also classify an accident as reportable or non-reportable, the latter of which means insurance doesn't have to get involved unless someone doesn't make good. The only risk you run is of a traffic summons if you're at fault. But those can be worked out in court, especially if there's no injury.

Good luck, man. I sincerely hope this doesn't bite you in the a$$.

04-19-2007, 08:29 PM	#18
79T/A Join Date: Feb 2007 Location: Wantage, NJ Posts: 693 iTrader: (0)	Go to the local police department where the accident occurred IMMEDIATELY and ask for a citizen's accident report. Get your side on record now. They should give you two forms, a yellow form and a white form. You fill the yellow form out and hand it over to the department and they will assign a number to it, give you a copy and keep it on file. You fill out the white form and mail it to the state. Next time, GET A POLICE REPORT ON THE SCENE. I had the same thing happen. I rear-ended some dude's car and we exchanged info. I waited forever for him to call me with an estimate but it never happened. Instead, when I went to renew my insurance, I discovered it had gone up over $1,000.00 Turns out he filed a claim with my insurance company, who took care of it WITHOUT EVER NOTIFYING ME. Needless to say, I no longer use that insurance company, who shall remain nameless (Their initials are Liberty Mutual). Even if you're at fault, you are always safer with an accident report written by a police officer. The officer can also classify an accident as reportable or non-reportable, the latter of which means insurance doesn't have to get involved unless someone doesn't make good. The only risk you run is of a traffic summons if you're at fault. But those can be worked out in court, especially if there's no injury. Good luck, man. I sincerely hope this doesn't bite you in the a$$.