There are times when you need to use your own insurance. That is when the other ins. company lowballs the job  and you have insured your car at a higher value. I will have to see what they will pay to fix it. Always carry a higher value for that reason.

This is 100% the other persons fault even in a no fault state as New York. I do not want to go thru my insurance. 



Good News
I just spoke to her insurance company last night. The guy told me, that in their notes She had reported the accident and "beware Clara is arrogant" I guess that's code for Bitch.



 

It sucks i know but just use your insurance and give them all her details (which is easy to do as the car belongs to your tenant and i presume she is still living there) then your insurance company will go after her insurance, i believe it's called no fault insurance here in Florida.

There is a chance homeowners insurance may cover it as it was parked at your home, unoccupied.

When you mouth off to a cop, there's going to be a price to be paid. 

The second saga of this mess will be dealing with their insurance company. The insurance will low ball the repair or fuse to pay.
They already sent me an email saying that New York is one of 13 states that both parties are at fault.
I think I will be OK because I was not in the car. If I was, I would have to pay a percentage.
The other way you are not responsible is if the other guy got a ticket.

I'm under shade tree pulling the sheet metal. Have to get the headlight to point ahead.

Thanks for all the kind words guys. Really appreciate it. 

At lease the police showed up, I had a accident in Detroit, the police refused to show up, then it was a race to the correct precinct as the first one there get to describe in the report how it all happened. "Officer I would like to file an accident report" "You and everybody else, take a seat"

You could subtly suggest to the husband that they might have to start looking for another place to live if SHE doesn't respond appropriately. Not his fault but she needs to own up.

GEEEEEZ JIM,the last few years have not been good for you,

Keep the FAITH BUDDY


BIG AL

Latest update-

She left the scene right after the accident and did not report it to the police or her insurance.

I reported it to the police. When the police arrived, I called her husband to see when they were coming back. She's on my phone giving lip to the cop. She will be getting a summons for leaving the scene of an accident. I got the police report, a lot of good it's doing me.

She still has not called her insurance and they refuse to do anything for 3 days, 3 attempts to call her.

I've made my mini drivable again by pulling out  dented wing from hitting the tire. Now I'm going to straighten the headlamp instead of pointing to the ground. I think this mess is going to take a while to resolve itself.

More good news, my Body shop says he's booked until October.

That sucks but does not surprise me with a BMW SUV driver.

OUCH!
Sorry to read about it.

So sorry to hear your mini was smashed, hope you have good insurance, if so it will be better than it was before.

and i can supply the red stripe and the DRAMA for the wedding.. ( for some reason I do NOT get invited to weddings OR funerals of late.. the wifes do NOT want to hear  THE TALES of the past..  later bc ps  sorry to hear about your mini..  still got your BRG cabrio??

Simply solution Jim, just marry her and get into her bank book &/or whatever 

I can supply the whips and chains for the honeymoon
Big AL

It Seems like all the bells and whistles can't stop someone from running into my mini.

My mini turned 25 this year. It's in really nice shape. Or it was. I listed my saga last year on this board of all the work I had done to it as everything seem to fail at the same time.

My mini was sitting in front of the house under the shade of the maple tree minding it's own business.

My downstairs tenant comes home from work & pulls into the driveway and then backs out And then makes a hard right, Backs right into my little mini. Crunching everything with her BMW SUV. She's got the back up camera , the Beeping Sensors But no common sense.


Da** Da** Da**