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So I was merrily making my way to work this morning, minding my own business, when some assclown decides it would be fun to slam into the back of my car. I was at a stop, he was probably doing 25 or so, knocked me around pretty good.

I pulled off into the turn lane and stopped, and he pulls along side. He says "Good Morrning...I don't think I hurt your car, it looks fine." So he's immediatly trying to weasle out of this, although to his credit the next thing he did was ask if I was ok. My car being the wonderfull piece of machinery that it is, I told him that I would probably let it slide if my bumber was just dinged, but that I wanted to assess the damage and get his info anyway, so we pulled off to a side street. A woman pulled up and asked if we needed a witness, and he immediatly said "No, we're handling this." I told her that I would like to have a witness just in case, so she gave me her number and left.

I checked out the car, and it seems fine. The bumper is split along the side, and it's a little ajar, but relativly minor damage. His car came through pretty well too, although his bumper was fiberglass, so it was cracked in several places. As we exchanged info he kept saying that his insurance was really high right now, and that he couldn't afford this right now, etc. I just kept telling him that I wasn't going to decide anything right then, and that I would call him before making a claim if that was what I decided to do. He seemed pretty desperate...which isn't surprising as his car was pretty new, but had a lot of dings...I think he's about reached the limit of what his insurance company will put up with.

If it was just the bumper, I'd just let it go, not worth the hassle of taking the car into the shop. However, the my seat got screwed up from the jolt, and it reclines too much now, very annoying unless you like lowriding. I need to get that fixed, but I'll give the guy a break and let him pay me out of pocket if he wants.

On a side note, I always thought people complaining of whiplash were mostly full of it...it's just a jolt, how much damage can it do? I take it all back. Some of them are certainly ambulance chasers, but it's a legitimate injury. I was only hit at 25mph, let alone a major accident, and it's made my neck pretty sore. I'm hardly in need of a neck brace, but it's definately injured...I can see how someone could need medical attention for a bade case.

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You definately need to make a claim. Don't let this slide out of legal channels. Chances are you looking at nearly a grand a more of damage, which by law requires and accident report. If your neck hurts, your going to have a hell of a time getting medical attention if you don't file a claim. It's his own fault if he has poor driving skills. It is NOT your responsibility to give this guy a break.

My thoughts exactly.. I'm not sure what the exact $ amount is, but if damage is above a certain amount you're required by law to report it. I'd at least do some research on what that amount is before deciding to not claim this. Especially if he decides not to pay you out of pocket and you've delayed it; it wont look good if you try to report it later.

Sounds like the guy needs to take driving lessons anyways. (although I do hate to screw people down on their luck like this).

I'm not completely inept ;) The first thing I did when I got to work was lookup the requirements for filling an accident report. If there was over $1000 of damage or a serious injury (and I would say that neither is the case) then I'm required to report it within 72 hours. That gives me a little time to work with.

I'm gonna try and get an estimate tonight, then call the guy. After that if I'm not reasonably convinced that he's gonna pay, I'll make a claim.

I am glad there was not major damange and you are ok!

You should ask that "Can I getta witness" sista on a date! You already got her numba!

Yeah I'm with Anil. You need to tap that witness ass.

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