Driving home from work in the rain this evening when an RST Suburban braked suddenly due to a car in front of them slamming on the brakes to turn without signaling. Between the rain and speed I couldn’t stopped fast enough and I hit his rear bumper going about 5mph. No air bags deployed or injuries, other than my pride.
We traded information and went our separate ways. No police report file as neither of us had been in an accident before and honestly it seemed unnecessary at the time (hope this doesn’t come back to bite me). Both vehicles operable with little concern about making it home. Nice guy and his is a company car, which means he’s also on their corporate insurance policy as insured. My M3P is a lease due for early turn in on July 26th (target date) because I’ve ordered a Highland M3P replacement.
Damage wise it appears mostly surface level on the Suburban, and I’d argue it is close to the same on M3P. Yes the bumper and hood likely need to be replaced, maybe driver side fender too. In reading various accident threads over the years I realize that much more is probably lurking below the surface. I’m left wondering what options, if any, I might have and/or thinking about due to the surprise of this happening.
In no particular order:
1) Call my insurance company and make a claim, providing all of his information at the same time
2) See if the other party really insists on getting his fixed since it’s a company car. And either a) Work directly with body shop to get quote for fixing my car or b) Turn my car in as-is and see what they hit me for on damages
3) Other options or opinions?
We traded information and went our separate ways. No police report file as neither of us had been in an accident before and honestly it seemed unnecessary at the time (hope this doesn’t come back to bite me). Both vehicles operable with little concern about making it home. Nice guy and his is a company car, which means he’s also on their corporate insurance policy as insured. My M3P is a lease due for early turn in on July 26th (target date) because I’ve ordered a Highland M3P replacement.
Damage wise it appears mostly surface level on the Suburban, and I’d argue it is close to the same on M3P. Yes the bumper and hood likely need to be replaced, maybe driver side fender too. In reading various accident threads over the years I realize that much more is probably lurking below the surface. I’m left wondering what options, if any, I might have and/or thinking about due to the surprise of this happening.
In no particular order:
1) Call my insurance company and make a claim, providing all of his information at the same time
2) See if the other party really insists on getting his fixed since it’s a company car. And either a) Work directly with body shop to get quote for fixing my car or b) Turn my car in as-is and see what they hit me for on damages
3) Other options or opinions?
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