Saturday, September 27, 2008


Today, we went to the AMBUCS fall fest at AMBUCS park. Played a few games, rode a few rides then came home. On the way home, I had to stop at the library to pick up a couple of things that were in for me. Left mom and the kids in the car and I ran in because MT was asleep and I wasn't going to be 5 minutes. No point in dragging everyone in for such a quick trip. I got my stuff and got back to the car. I backed out of the space and as I shifted to drive to pull away, I heard a loud CRUNCH noise coming from my back end! I pulled forward and jumped out, to find that the guy behind me hadn't seen me backing up and backed into me! We started to exchange information and the guy (who barely spoke English) told us not to call his insurance, to give him the estimates. I was fine with that and said "because of course, since you were at fault (after all, I had backed out far enough that I starting to pull forward again so obviously, I was backing up first) you will need to pay for the repairs" After that, the only thing he would say was "no my fault" and "call police" So we did. We called the police and were told that unless there were injuries (there weren't MT didn't even wake up in her carseat), they wouldn't come out on private property. That we should exchange information and come in to file a police report, when we could. I decided that my best course of action was to call my insurance company right then and there, since there wasn't much else I could do. We also took pictures of the damage to both cars (thank God for cell phone cameras). After I filed my claim, I took mom and the kids home and went to the police station. I got the report and got it filled out and now all I have to do is take the van to get estimates for repair and send in the report. Then we play the waiting game while the insurance companies decide who was actually at fault. Despite my absolute belief that he was totally in the wrong, without a ticket issued or a third party determination (ie the police) of fault, I fear that they will call it no fault and I will be stuck paying my deductable and get the black mark on my record. :(

However, on the bright side. The van is drivable. The damage is fairly minimal (not as little as to his car, which was basically a finger sized dent in the center of his bumper, where the angle of mine crushed the corner of the bumper) and no one was hurt. I'm just irritated that the police refused to come out and make a determination, which would have saved a potential fight with the insurance company.


MidlifeMutant said...

If the other driver backed into you, he is at fault.

Quigs78 said...

That sucks. I'm glad everyone is okay, though!

Lavender Lemonade said...

Aargh! I hate little fender benders. They are such a pain in the ass. But you've got to jump through all the hoops and deal with it. I feel for you, it totally sucks especially when it wasn't even your fault!