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Old 12-24-2015, 05:58 PM
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Fender bender :(

Question - have you been involved in a minor fender bender aka got rear-ended by someone? if so, how much did the total repair cost?

I have a 2015 Jeep Wrangler Willys (all factory setting). I was fully stopped at a red light for a while, then all of sudden a Honda Civic rear-ended me. The spare tire in the back took most of the impact and it appears to be fine. The only damage was basically a nick in the bottom of the fender since the jeep is really high off the ground while the honda civic was very low down.

Long story short, the total repair including parts and labor is about $700. According to the inspection done by Progressive, I only need a new fender. I may get a second opinion to make sure the back door is 100% fine.

Unfortunately, the lady who hit me is using some kind of government insurance that's only eligible for people who falls under a certain income level (medicaid). Her insurance doesn't cover property damage, so I have to pay for the repair myself. Pretty sketchy stuff.

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Old 12-24-2015, 06:10 PM   #2
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Sorry to hear about the accident. Glad you are ok. Unless you are in Michigan or some other no-fault state, her insurance should be paying for this. I've never heard of insurance that doesn't pay for damage to others - sometimes it may not pay for damage to YOU (if that is your insurance).

Not a fan of insurance, save for USAA, which we have. But don't let it go - she rear-ended you, and is at fault. She has to make you whole. Her insurance should cut HER short, not you.

That said, if she really is an old lady with few resources, then you sorta gotta decide on what to do. I tend to take this perspective: how would you want someone to treat your (elderly) mom? How would you explain yourself to her son?

Answer those questions, and you will know what to do.

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Old 12-24-2015, 06:23 PM   #3
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The spare tire in the back took most of the impact and it appears to be fine. The only damage was basically a nick in the bottom of the fender since the jeep is really high off the ground while the honda civic was very low down.
I would be willing to bet you have tailgate damage, even though such is not always obvious. This would include popping of the spot welds.

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Her insurance doesn't cover property damage, so I have to pay for the repair myself. Pretty sketchy stuff.
If doesn't cover property damage, then IMHO, its not insurance. The purpose of auto insurance is primarily to cover property damage you cause to others. Though, if she is that poor, I would expect she has no assets from which a judgment against her, could satisfy.
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Old 12-24-2015, 06:36 PM   #4
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Sounds like she shouldn't have been on the road in the first place. She's a menace to the rest of us. Something just doesn't sound right.
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Old 12-24-2015, 06:40 PM   #5
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Get an attorneys opinion. Glad you're alright.
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Old 12-24-2015, 06:49 PM
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Her insurance is called National Continental. From what I understand, it only covers medical coverage, not property. You have to have medicaid to qualify for this insurance. My insurance agent at Progressive said that they see this type of policy all the time. People with this insurance place themselves at risk because they could be held responsible for damages they cause if an individual decides to pursue legal action against them. One of my options is a small claims lawsuit, but who knows if she even has the money............... Other option is to activate the Uninsured Motorist Property Damage clause on my policy which means Progressive would pursue legal action on my behalf. But the insurance agent told me that it's a long shot and may take years.

(Side note, i googled National Continental and it appears to be a subsidiary of Progressive. Hmm)

I just wonder if anyone out here has more info about all of this stuff.
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Old 12-24-2015, 06:52 PM
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correction - not sure if you need medicaid to qualify for it.
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Old 12-24-2015, 06:53 PM   #8
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Glad you are unhurt.

California law requires all drivers, at minimum, insurance to cover other drivers and their property. Even if she chose not to insure herself nor her vehicle, she wouldn't be allowed to drive unless meeting basic insurance requirements.

In February 2010 my 2009 JKUR was rear ended by an idiot texting in his Prius while barreling down the freeway at 40 MPH.

His month-old Toyota was totaled; my Jeep suffered only minor scuffs on the rear steel bumper. Weeks after I got my Jeep back it developed a gear whine in 2nd, 4th and 6th (it was a stick shift). Took it back to the body shop who discovered a bent transmission mount. But at this point, the at-fault driver's insurer, Progressive, deemed the case closed and I SOL.

Unlike unibody which is designed to absorb the shock of a crash, body-on-frame construction is notorious for transferring the energy of a shock along the length of the frame. My advised to anyone who gets a JK into an accident: ignore the fact that your Jeep looks fine and take it to a body shop to do a thorough inspection.
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Old 12-24-2015, 06:55 PM
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The whole situation was sketchy from the beginning. She wanted to avoid calling the cops and pay off the books. I declined and requested to get the police involved. We waited for a long time and then an ambulance showed up. She suddenly complained of pains as soon the ambulance showed up. This surprised me tremendously because she was perfectly fine the whole time (maybe 30 min). She also told the cops that I stopped short which caused her to rear end me. To be perfectly clear, I was fully stopped at a red light for a long time.
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Old 12-24-2015, 06:56 PM
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alright you guys convinced me to definitely get a second opinion from a body shop.
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Old 12-24-2015, 06:58 PM   #11
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Quote:
Originally Posted by gpro View Post
The whole situation was sketchy from the beginning. She wanted to avoid calling the cops and pay off the books. I declined and requested to get the police involved. We waited for a long time and then an ambulance showed up. She suddenly complained of pains as soon the ambulance showed up. This surprised me tremendously because she was perfectly fine the whole time (maybe 30 min). She also told the cops that I stopped short which caused her to rear end me. To be perfectly clear, I was fully stopped at a red light for a long time.
It doesn't matter how long or short you stopped. If she was behind you it is her responsibility to keep her distance. If she hits you, she is at fault.

Sounds like she may not be insured at all...?
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Old 12-24-2015, 07:00 PM
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i don't want to post misinformation. all i know is that her insurance company is called National Continental. Not sure if it's government or private. But my insurance agent already reached out to them and she received a denial letter from National Continental saying they do not have coverage for property damage (other vehicles they hit). So that's definitely a fact.
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Old 12-24-2015, 07:01 PM   #13
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i don't want to post misinformation. all i know is that her insurance company is called National Continental. Not sure if it's government or private. But my insurance agent already reached out to them and she received a denial letter from National Continental saying they do not have coverage for property damage (other vehicles they hit). So that's definitely a fact.
If she is underinsured, your insurance should still cover you if you had comprehensive coverage, and she should be removed off the streets.
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Old 12-24-2015, 07:01 PM
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my insurance agent called the lady who hit me. The lady admitted to my insurance agent that she rear-ended me. So the fault is not even at debate.
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Old 12-24-2015, 07:02 PM
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the repair is about $700. my deductible is $500.
so i have to pay 500 out of pocket and the insurance will cover the rest.
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Old 12-24-2015, 07:04 PM   #16
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the repair is about $700. my deductible is $500.
so i have to pay 500 out of pocket and the insurance will cover the rest.
Before you make the claim, find out if your insurance rate will be affected.

You may be better off paying the additional $200 and keep your existing rates.
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Old 12-24-2015, 07:32 PM   #17
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Are you sure your back is not bothering you? It can take a couple days for issues to arise. She needs a dose of her own medicine. How can people like her be allowed on the road? If you can't afford insurance then you need to take public transportation or walk! Where's the Obamainsurance when you need it?
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Old 12-24-2015, 07:34 PM   #18
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The whole situation was sketchy from the beginning. She wanted to avoid calling the cops and pay off the books. I declined and requested to get the police involved. We waited for a long time and then an ambulance showed up. She suddenly complained of pains as soon the ambulance showed up. This surprised me tremendously because she was perfectly fine the whole time (maybe 30 min). She also told the cops that I stopped short which caused her to rear end me. To be perfectly clear, I was fully stopped at a red light for a long time.
She sounds like a worthless piece of s**t. If she acted that way then you can't believe anything she has told you. Your insurance should take care of your car and go after her if they think it's worth while. If they raise your rates, you need a new insurance company. I've seen too many low lifes hit other people, try to keep the cops out of it, and then act like a victim when police or EMTs show up. I'm getting pissed off just reading about this.

Good luck to you.
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Old 12-24-2015, 07:35 PM   #19
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Your insurance should cover it and then sue for the money. You might not get the deduct back though. A good reason auto insurance is usually mandatory.
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Old 12-24-2015, 09:42 PM   #20
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My wife's jku has been rear ended a few times. The last time the spare took the brunt (rear ended by lifted XJ at low speed) it popped the spot welds on the tailgate. It took a while but the gate started to rattle eventually.
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Old 12-24-2015, 10:15 PM   #21
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Your insurance should be handling this for you.
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Old 12-24-2015, 10:23 PM   #22
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She owns a car, she has money, or she can sell her car to pay for the damages she causes. I would get at least two estimates from qualified body shops, and have your insurance handle everything, let them chase her down for payment, thats up to them.
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Old 12-24-2015, 10:30 PM   #23
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If you end up buying a new rear bumper you can probably find a practically new one on CL for a lot less than $700. It's not that difficult to replace.
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Old 12-25-2015, 07:02 AM   #24
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She owns a car, she has money, or she can sell her car to pay for the damages she causes.
How much is a smashed up, old, Civic worth?
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Old 12-25-2015, 07:14 AM   #25
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If she doesn't have to pay, get me the phone number of her insurance company. If you have no insurance, you must pay, or everyone will be clammering for that insurance!
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Old 12-25-2015, 09:23 AM   #26
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If you have no insurance, you must pay, or everyone will be clammering for that insurance!
Correct. Even if you have insurance, you don't have to use it. She has limited insurance, so in the end...she'll end up coughing up the $$.

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