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Topic: Moral dilemma? (Read 463 times) |
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Mattrf
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Moral dilemma?
« on: Aug 21st, 2006, 11:02am » |
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Ok so I am trying to merge on to the main street in my town, there is an older Mercedes in front of me, a gap in traffic comes and he goes or at least it looked like he went. I was looking back for a gap for me one came I went but as I look in front of me it was to late to stop from hitting the Mercedes. Seems he was cut off and had to slam on the brakes.
So we both pull over and there is a little dent under the trunk button and a scuff on the bumper, the guy is Hispanic and says well it’s my boss’s car and just give me your number and if he doesn’t notice don’t worry about it. So I am pretty sure this guy had no license or he would have wanted my insurance, so I figure cool there is only a little dent in my bumper that you can hardly see so cool and we both leave.
So I get to work today and I have a message from the owner and his insurance wanting me to call them. I guess I could just ignore the calls, I mean what the hell do the have a business card of mine but no witnesses or anything to say I did it right.
I always try to do the right thing and it bugs me to not call them back and give them my insurance but at the same time it was the prick that cut him off’s fault wasn’t it?
Or was it mine for not seeing him in time?
Matt
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alchemy
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Re: Moral dilemma?
« Reply #1 on: Aug 21st, 2006, 11:11am » |
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Matt, I'm not judge Judy but I kind of think it's your fault for not seeing the car. I wasn't there so I can't say for sure. It seems to me though if the driver didn't have a license you got a freebie.
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BMoneeTheMoneeMan
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Re: Moral dilemma?
« Reply #2 on: Aug 21st, 2006, 11:11am » |
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No Matt, in most states it would be your fault.
And, note to yourself: Always get the drivers info.
I would definately call the insurance company. I am sure they would like to know that the driver was unwilling to give his information, and that he specifically said he was not the owner.
Regardless of how dumb other drivers are, it is your responsibility to not hit them. Even if someone slams on the breaks on a highway, it is still your responsibility to not hit them, as dumb as that may seem.
B$
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"Fool me once, shame on, shame on you. Fool - can't get fooled again"
Think of how stupid the average person is, and then realize half the population is stupider than that.
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nani
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Re: Moral dilemma?
« Reply #3 on: Aug 21st, 2006, 11:13am » |
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Honesty...is always the best policy. IMHO
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Jimmy_B.
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Re: Moral dilemma?
« Reply #4 on: Aug 21st, 2006, 11:13am » |
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Legally...it's you're fault. Morally...well that's up to you.
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Mattrf
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Re: Moral dilemma?
« Reply #5 on: Aug 21st, 2006, 11:17am » |
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I agree, I feel it was my fault for not seeing him, think I may have to call my insurance and see what they have to say about it. I just hate telling my insurance that I hit someone, it’s the first accident that will be my fault, but have had a lot of ones that where not but my insurance had to payout on, I just don’t need my insurance going up right now, I have way to many doctors bills to pay.
Matt
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BMoneeTheMoneeMan
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Re: Moral dilemma?
« Reply #6 on: Aug 21st, 2006, 11:24am » |
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I wouldnt bother calling your insurance company. You probably have a deductable anyway, so they would end up not paying much at all but would still increase your rate.
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"Fool me once, shame on, shame on you. Fool - can't get fooled again"
Think of how stupid the average person is, and then realize half the population is stupider than that.
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Mattrf
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Re: Moral dilemma?
« Reply #7 on: Aug 21st, 2006, 11:32am » |
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My deductible only applies to repairs to my car, doesn’t it?
I am pretty sure that my insurance will pay for there’s in full and the only thing I have to worry about is my rates going up.
Matt
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Paul98
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Have the guy get an estimate and send it to you. Might be easiest to just pay for it. If it is unreasonable, let your Ins. Co. deal with it.
Some companys have a forgivness policy for accidents like 1st accident dosn't effect your rates but if you have one within a certian period again your rates go through the roof.
I have found it best to inform the Ins. Co. no matter how small the damage. You never know what might come back at you if you dont.
-P.
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kimmiedawn81
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Re: Moral dilemma?
« Reply #9 on: Aug 21st, 2006, 11:37am » |
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on Aug 21st, 2006, 11:13am, nani wrote:Honesty...is always the best policy. IMHO
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I agree.
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Mattrf
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Re: Moral dilemma?
« Reply #10 on: Aug 21st, 2006, 11:38am » |
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That’s what I told my wife, if we try and ignore it it will probably bite us in the ass like everything else seems to do.
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zwibbs/Scott
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Re: Moral dilemma?
« Reply #11 on: Aug 21st, 2006, 11:39am » |
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IMHO---Always call the police. If the guy didn't have a legal license , well he would have been screwed. Legally--it is always the fault of the person that does the hitting, as you're supposed to have full control of your car at all times. A situation like this always sucks, but honesty is the best policy. Whatever you decide to do---Good Luck !! It is pobably not going to be a big deal.
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Mattrf
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Re: Moral dilemma?
« Reply #12 on: Aug 21st, 2006, 11:52am » |
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The practical side of me says screw them, let them try and get info from me but I am a moralistic person and am proud of being a good man and an honest man, so I am going to call my insurance and see what they want to do.
I struggle some times over right and wrong but always go to what’s right, I sleep better that way.
Matt
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Mattrf
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Re: Moral dilemma?
« Reply #13 on: Aug 21st, 2006, 12:58pm » |
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As usual my morals got the better of me and I did the right thing.
I called my insurance and gave them all the information and they are going to deal with them and decide if they should pay or not since the guy would not give me any information and may not have had a license or even permission to drive the car.
Being a good person sucks some times, if it had been the other way around do you think the guy would be returning my calls?
I think not. Just hope my rates don’t go up.
Matt
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E-Double
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Re: Moral dilemma?
« Reply #14 on: Aug 21st, 2006, 1:05pm » |
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Sorry dude..........morals aside...you rearended the guy regardless of him being cut off.
That is what happened.
I was once sandwiched ibetween 2 cars, having been rearended then slammed into the guy in front of me. I was driven about 10 feet until I hit the back of the guys car and I was injured.
I was still sued b/c I rearended him.
Good luck.
E
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chewy
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The fact that you hit him will probably put you at 51% at fault.
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LadyLuv
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Re: Moral dilemma?
« Reply #16 on: Aug 21st, 2006, 1:32pm » |
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Matt.. make sure that the guy they produce to your insurance company is the same guy that was driving the car...
Same kind of incident happened with my sister; the guy driving told her it was okay and not to worry about it.... He was driving his boss car (boss owned a restaurant, and the driver had a name tag on). Two days later she was contacted by the police department for a hit-and-run.. The guy the owner produced had a driver license, but Rosie told them that wasn't the guy driving when the accident happened, the owner insisted that it was. She gave the officer the name that she remembered on the tag and upon further investigation (her and the officer later going to the restaurant) the guy was found at the restaurant
waiting tables and he had no license.
Her insurance company paid no money, the owner of the restaurant was arrested (for trying to pull a scam), and also the guy that lied and said he as driving..
LL
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| « Last Edit: Aug 21st, 2006, 1:33pm by LadyLuv » |
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Melissa
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on Aug 21st, 2006, 1:05pm, E-Double wrote:Sorry dude..........morals aside...you rearended the guy regardless of him being cut off.
That is what happened.
I was once sandwiched ibetween 2 cars, having been rearended then slammed into the guy in front of me. I was driven about 10 feet until I hit the back of the guys car and I was injured.
I was still sued b/c I rearended him.
Good luck.
E |
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Are you serious?? I was sandwiched between 2 vehicles also at a red light. A lady came up behind me and the sun was directly on us all, but she didn't pay attention that we were STOPPED in front of her. She slammed into the back of my car which then hit the car in front of me.
Her insurance had to pay for all 3 vehicles. 
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Sandy_C
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Re: Moral dilemma?
« Reply #18 on: Aug 21st, 2006, 2:35pm » |
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I agree with Melly.
I was sandwiched while driving my mother home from her job (I was a newbie driver). Stopped at a light,I was hit from the rear, which shoved me in to the car in front of me. Guy that hit hit me, was taken to the hospital - his head hit his steering wheel, my mom was in traction for whiplash, our dog (who was riding in the back seat) ended up on the front floor board had to wear a cone around his head so he couldn't lick the stiches he got - I was uninjured because I could see it happening in my rearview mirror and just held on. Totaled my mom's car! We looked like an acordian.
The guy that hit me was drag racing with another car in the right lane on a busy street, at 5:00 rush hour. I saw the other racer blow past me just as I was hit. I reported this to the cops, the guy who hit me was busted, and he ratted on his racing buddy, to they both got nailed.
The racer who hit me (while driving his daddy's car) had to pay the full shot for my car, mom's medical expenses, the vet bills for the dog, and the damage to the guy in front of me.
Sandy
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Mattrf
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Re: Moral dilemma?
« Reply #19 on: Aug 21st, 2006, 3:07pm » |
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This stuff can get nasty, and with my luck they would say I was the one who would not give up the information and try and get me for a hit and run. So am glad I called my insurance and reported what happened to protect myself from this guy trying to get a new car out of it or something. Guess we will see what happens, there insurance has not tried to call me back and the number they left was disconnected, not sure what’s up with that but there a way to many shady people out there that just want to take advantage of the system any way they can, so you have to protect yourself at all times.
Matt
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Mrs Deej
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Re: Moral dilemma?
« Reply #20 on: Aug 21st, 2006, 5:24pm » |
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on Aug 21st, 2006, 12:58pm, Mattrf wrote:As usual my morals got the better of me and I did the right thing.
I called my insurance and gave them all the information and they are going to deal with them and decide if they should pay or not since the guy would not give me any information and may not have had a license or even permission to drive the car.
Being a good person sucks some times, if it had been the other way around do you think the guy would be returning my calls?
I think not. Just hope my rates don’t go up.
Matt
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Good for you honey!! Being honest can be a bitch sometimes, but you always feel better getting it out into the open. Besides, karma is an even bigger bitch!!!
Hope it doesn't get too nasty and expensive for you, but honestly, you did the right thing!
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Steph
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Sandy_C
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Re: Moral dilemma?
« Reply #21 on: Aug 21st, 2006, 5:38pm » |
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Wait a minute ...
Their insurance company has not called you? Their insurance company phone number is disconnected?
Oh, baby, you did the right thing by calling your own insurance company.
I would even recommend now, even though it's after the fact, that you file a police report. The cops won't/can't do much about it now, but, it's on file. Won't hurt.
Sandy
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Re: Moral dilemma?
« Reply #22 on: Aug 21st, 2006, 5:47pm » |
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I hope GrandmaSweetBoy sees this thread, shes works for an insurance company and I think she may even be a car accident investigator....or something like that.
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Mattrf
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Re: Moral dilemma?
« Reply #23 on: Aug 21st, 2006, 5:59pm » |
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The guy I hit just called me and started asking about me fixing the car, I gave him the 800 # and the report number and told him to have his insurance call mine and they would work it out. I asked him if he had a license and he said he did but I think he was lying.
Oh well out of my hands, my insurance wants to pay that’s up to them but I think they will say since they guy told me not to worry about it that, that was a release of responsibility and tell them to go away.
Matt
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Mrs Deej
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Re: Moral dilemma?
« Reply #24 on: Aug 21st, 2006, 7:15pm » |
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This could be a serious FRAUD situation!!!
Watch yourself, and make sure that you don't give them any personal information UNLESS it is the insurance company!!!
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