first time car accident - guy is making a bogus injury claim...need help please :)

[Gel Mibson]

hello,

i got into a 3 car accident at a traffic light. i was the last car and it was basically a 3 car fender bender at the traffic light. the first car fled the scene, but car number 2 and i stayed. so this guy was not cooperative at all (middle eastern dude), wouldn't talk to me. he got out of the car to take pictures of the damages (nothing but mere scratches on both cars, no dents) and gets back in his car.

15 minutes later, an ambulance comes and he walks out of his car into the ambulance. i wanted to know what was going on, and saw this guy laying down in a neck brace...like come on dude are you serious? 30 min later, police came and report was taken.

a few weeks later, my insurance company calls me and tells me this dude is claiming total loss on his vehicle and that he has sustained a neck injury.

being that the the car who rear-ended is always at fault, i get that but this guys is claiming some crazy kind of insurance fraud, i have no idea how he claims a total loss on his car, let alone a neck injury.

any advice would be helpful on what to do.

[Novoselic]

Welcome to America, have fun paying thousands of dollars to some asshole claiming to be severely injured from a fender bender.

[Clark]

Hopefully you took pictures of both vehicles. If someone tried to fraud me like this IRL they'd face a severe beating at least. Don't let that MF win.

[Gel Mibson]

yes, of course I have pictures of both cars.

i feel like there's nothing i can do at this point, but hope that my insurance company realizes this guy is being dramatic.

even the emt and police officer at the scene thought this guy was being ridiculous.

[Thulack]

Send the pics to the insurance company and try and get the names of the officer and paradmedic and give that info the the insurance company. Better then nothing.

[Kraftwerk]

You are pretty good and fucked. Don't text and drive while high next time and you won't be in this predicament.

[Thulack]

You are pretty good and fucked. Don't text and drive while high next time and you won't be in this predicament.

Never once rear ended anyone while texting and driving while high. /winning :cool:

I have watched in my rear view mirror as people on cell phones have rear ended or almost rear ended me on a few occasions.

[baub]

photos and testimony from the officer and emt will only help

in the future i hope you go all russian and have a dash-cam installed

[Langrisser]

blame the jews

also your ins co. will investigate they dont want to pay out either

[timhutton]

blame the jews

also your ins co. will investigate they dont want to pay out either

[Hasbinbad]

things racists say:
so this guy was not cooperative at all (middle eastern dude)
i hope he puts you in debt for decades, redneck.

[Toehammer]

things racists say:

i hope he puts you in debt for decades, redneck.

His comment is not really racist, more culturist. Although, sad to say, the OP is not far off the mark. After living in the Mid East for over a year now in a culturally diverse city with many different Mid East nationalities represented, you learn certain things.

(Certain entitled) Middle Easterners are raised in a culture where if you want something you have to kick and scream to get it. In the West, usually asking politely is the best way to get assistance or help/service from someone. In the Middle East, you can ask politely for something at the DMV or a shop 500 times... nothing will happen. Turn up the asshole meter, or perhaps even yell, and you are treated like a King. Not just the squeaky well gets the grease... but the loudest, most obnoxious, squeakiest wheel doing the most damage gets the grease. Also, a lot of Mid East countries are very class-oriented (read: caste system in full effect!), so dropping authority/titles is sometimes the best way to cut through the lazy non-helpful BS.

A funny thing, a lot of Middle Easterners don't like to say no... such direct resistance is not really part of their culture. So they ignore, misdirect, or even lie when push comes to shove in an important business decision.

But yeah, OP probably wasn't speaking from experience with Middle Easterners... but then again, calling him a redneck and (jokingly I hope?) hoping BS legal debt on someone is lame. /backstab Aren't you part of some debt-ridden 99% or something? :cool: Misery loves company hehe

(also, redneck implies white, lots of asians and blacks are racist towards Middle Easterners... again back to the culturist point... you make assumptions galore!)

[Rogean]

This would be one reason I have a dashcam.

[Barkingturtle]

The OP isn't even capable of driving--and we're supposed to trust his on-scene medical diagnosis?

In any event, it doesn't matter what the other guy gets paid, your rates will probably increase, regardless. When deciding your rate, insurance companies don't get reports informing them how much has been paid-out in prior claims. They just receive notice you've been involved in an accident--either by means of a Motor Vehicle Report or a more generic claims report where not-at-fault accidents and other comprehensive claims are recorded.

So, the advice here should be: grow up, pay attention when you're operating a vehicle, and accept responsibility when you screw up.

[myriverse]

hello,

i got into a 3 car accident at a traffic light. i was the last car and it was basically a 3 car fender bender at the traffic light. the first car fled the scene, but car number 2 and i stayed. so this guy was not cooperative at all (middle eastern dude), wouldn't talk to me. he got out of the car to take pictures of the damages (nothing but mere scratches on both cars, no dents) and gets back in his car.

15 minutes later, an ambulance comes and he walks out of his car into the ambulance. i wanted to know what was going on, and saw this guy laying down in a neck brace...like come on dude are you serious? 30 min later, police came and report was taken.

a few weeks later, my insurance company calls me and tells me this dude is claiming total loss on his vehicle and that he has sustained a neck injury.

being that the the car who rear-ended is always at fault, i get that but this guys is claiming some crazy kind of insurance fraud, i have no idea how he claims a total loss on his car, let alone a neck injury.

any advice would be helpful on what to do.
My mom's car was totalled and has permanent disability from a 5 or so-mph rear-ender. Frankly, you're screwed and probably deserve it. Guy probably isn't lying much. Insurance companies will not total a car unless it's the case. The owner of the car is not the one who decides this. If the damage is more than a certain %age of the value of the vehicle, it's totalled. Period. You should have paid better attention.

[Sirken]

Hopefully you took pictures of both vehicles. If someone tried to fraud me like this IRL they'd face a severe beating at least. Don't let that MF win.
lol then you would be sued successfully, twice. bad plan is bad

yes, of course I have pictures of both cars.
i feel like there's nothing i can do at this point, but hope that my insurance company realizes this guy is being dramatic.
even the emt and police officer at the scene thought this guy was being ridiculous.
does not matter if they think redic unless u have a means to contact those people and get them to agree to testify or make a statement.

also your ins co. will investigate they dont want to pay out either
confirmed true

This would be one reason I have a dashcam.
WWRD




hopefully u have a friend or family that is a lawyer, get on the tele with the insurance. most of these jerkoffs go away when they realize that A) youre not going to settle out of court, and B) its going to cost them court fees if/when they lose.
also you need proof that you were rear-ended and pushed into his car.

GL

[Gel Mibson]

I appreciate the relevant information and the troll remarks.

I'm not racist nor a redneck, I was just making a demographic remark. I also wasn't high or texting...good troll though I suppose.

It was raining in the city, the guy braked real hard and late to attempt to avoid hitting the car in front of him and I naturally had a delayed response and slammed my brakes. He hit the car in front of him first and then I tapped him afterwards.

I'll let insurance handle it at this point, I gave them all the information they needed so nothing I can do at this point.

Thanks to those who helped.

[Kagatob]

Well you got his "information" during the event right?

Just will another "accident" to happen. ;)

[Hasbinbad]

Things racists say:
His comment is not really racist, more culturist. Although, sad to say, the OP is not far off the mark. After living in the Mid East for over a year now in a culturally diverse city with many different Mid East nationalities represented, you learn certain things.

(Certain entitled) Middle Easterners are raised in a culture where if you want something you have to kick and scream to get it. In the West, usually asking politely is the best way to get assistance or help/service from someone. In the Middle East, you can ask politely for something at the DMV or a shop 500 times... nothing will happen. Turn up the asshole meter, or perhaps even yell, and you are treated like a King. Not just the squeaky well gets the grease... but the loudest, most obnoxious, squeakiest wheel doing the most damage gets the grease. Also, a lot of Mid East countries are very class-oriented (read: caste system in full effect!), so dropping authority/titles is sometimes the best way to cut through the lazy non-helpful BS.

A funny thing, a lot of Middle Easterners don't like to say no... such direct resistance is not really part of their culture. So they ignore, misdirect, or even lie when push comes to shove in an important business decision.

But yeah, OP probably wasn't speaking from experience with Middle Easterners... but then again, calling him a redneck and (jokingly I hope?) hoping BS legal debt on someone is lame. /backstab Aren't you part of some debt-ridden 99% or something? :cool: Misery loves company hehe

(also, redneck implies white, lots of asians and blacks are racist towards Middle Easterners... again back to the culturist point... you make assumptions galore!)

[Hasbinbad]

you need proof that you were rear-ended and pushed into his car.
You misread his statement. He rear-ended someone, who was pushed into the car in front of it. The FIRST car in line (the second car to be hit) took off (fled the scene, technically even tho this person was hit by the first person who was hit, this person still committed a crime).

[Hasbinbad]

Things racists say:
I'm not racist nor a redneck, I was just making a demographic remark.

[Kagatob]

HBB keep the ignorant white guilt to R&F. I'd say keep it to yourself but you won't. :)

[r00t]

being that the the car who rear-ended is always at fault

assuming this was your first mistake, should have denied denied denied. If it was true every moran would cut off semi's and slam the breaks for brand new cars and free money

[Barkingturtle]

assuming this was your first mistake, should have denied denied denied. If it was true every moran would cut off semi's and slam the breaks for brand new cars and free money

No, he's right--and people don't regularly allow eighteen-wheelers to hit them because that act results in death.

It's important to realize the at-fault determination is made by the insurance company and they essentially make their own rules. You can be stopped completely at a red light and have the dude in front of you put it in reverse and back into you and the insurance company will deem you at-fault for coming to rest too near the dude's rear-bumper.

If the front of your car strikes the rear of another car you are pretty much going to be found at-fault, but that's okay. Sometimes a not-at-fault will actually increase your premium more than anything--because the company can decide you drive in dangerous areas and that can be a more damning rating factor than your driving record.

In the end, it's a strange game--and the only winning move is to leave the scene of the accident before anyone can jot down your license-plate.

[raitheon]

Insurance adjuster here. 5+ years handling auto and home owners claims.

At this point there's really not much to do. Yes your insurance company will investigate, collect the police report and handle the claim accordingly. Unfortunately we can't do much when we don't have evidence on the contrary - but the info doesn't hurt (I.E. you eyewitnessing the guy walking into the ambulance).

Anything said at the scene is here-say - even if you were to appoligise for the situation the insurance company isn't going to take it to heart.

Lets talk worst case scenario here:
You have liability only on your car
this guy really is (or isnt, doesn't matter unless you have evidence of contrary) hurt
he sues you (technically your insurance company) - they pay limits, get them to sign a hold harmless for you and you're set.

What happens then?
Your rates increase or you're dropped and you find another insurance company for better rates / insurance.

So if it were just scratches on your bumper you'll be fine. This fender bender is nothing to worry about. At this point its out of your hands. Have a coke and a smile and wait for this whole thing to blow over.

if you need some more pointed advice PM me.

As for the dashcam remark - yes this is awesome, but Hindsight is 20/20.

[raitheon]

In the end, it's a strange game--and the only winning move is to leave the scene of the accident before anyone can jot down your license-plate.

this is a really REALLY bad decision on so many different levels.

Mommy taught me to own up to my mistakes. Its also why we pay for insurance.

[Barkingturtle]

this is a really REALLY bad decision on so many different levels.

You'll feel differently once the insurance racket stops paying your bills. Get out while you still have some semblance of a soul, Brother.

Mommy taught me to own up to my mistakes. Its also why we pay for insurance.

Total nonsense. I mean, the whole idea is sharing risk. When we pay premium we are owning everyone's mistakes.

[raitheon]

You'll feel differently once the insurance racket stops paying your bills. Get out while you still have some semblance of a soul, Brother.



Total nonsense. I mean, the whole idea is sharing risk. When we pay premium we are owning everyone's mistakes.

Trust me. I'm on my way out. And I felt this way before i started working for an insurance company.

But in general, I disagree from fleeing the scene. What happens if you REALLY hurt someone? What happens if someone hits YOU while drunk and flees the scene? Do you not try and get their license plate? Hell no, you want that bastard to pay for what they've done.

As for sharing risk? yes you are correct - but does the single mother working two jobs who just got off of a double shift on her way home from working really have thousands of dollars to handle the damages she's caused after falling asleep at the wheel? For every negative thing about insurance there's a positive. I don't know about you but i don't keep ten grand in the bank incase i kill someone. (SR22 bond law for most states is holding 10 thousand on the side incase you're involved in an accident. In some states its the only way to avoid having to pay insurance. Normally the SR22 bond would match what the minimum state limits are in your state)

Just my two pennies.

[Barkingturtle]

I don't know about you but i don't keep ten grand in the bank incase i kill someone.

Of course not.

I keep the cash in a fire-proof box under my bed because it's untraceable that way. Duh.


I should probably state for the record that my licenses all expired close to a decade ago and my advice has no official merit other than being obviously hilarious. There, I think I've covered my ass sufficiently.

[Treefall]

I live in a no-fault state.

There are pros and cons to it, but overall...I'm happy.

[Misto]

things racists say:

i hope he puts you in debt for decades, redneck.

Hasbinbad, once again, I award you the trophy of "Biggest Dumbfuck on the Forums."

[Misto]

Regardless of what happened - you were all probably tail gating.

And deserve to be ass raped in a Federal penitentiary.

[Toehammer]

Hasbinbad, once again, I award you the trophy of "Biggest Dumbfuck on the Forums."

usually trophies are awarded once... however, some olympians have been known to dominate the podium for years... no exception here! alarti close silver in the gold medal match!

[gotrocks]

ALWAYS snap photos of all cars involved, also the people involved. If the accident is your fault you need to take statements from any EMT's or officers that show up (or at least get their names) and make sure they sign them. the fact that an ambulance showed up at all should have been your first warning sign, and you shold have gotten as much info as possible from the emts there.

You're not totally fucked, but you're going to need to move quickly to stop any damage to you. i'd talk to a lawyer ASAP if you have the money. This prick is obviously trying to work the system. Dont let him.

[Falisaty]

You misread his statement. He rear-ended someone, who was pushed into the car in front of it. The FIRST car in line (the second car to be hit) took off (fled the scene, technically even tho this person was hit by the first person who was hit, this person still committed a crime).

not in the state of florida... that person that was hit has the right to chose weather to stick around or leave. im preety sure its true in all states. just let it be known that if you chose to leave you cannot at a later date or time try to file a clame as it becomes a civil matter the moment you decide to leave the scene of an accident