I am settling a motor accident without going through the insurance. I was the victim! Help!?

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idhard2find&looking	you have broke the law, you must report an accident even if someone has not been injured, you mean he hit you and compo did not set in, whip lash £5000 + repair to your car, you must be one of the most, ah whats the use. Was this answer helpful to you? Yes / No

Mister	Make him sign a statement saying that he accepts responsibility for the accident and that he agrees with the amount that it is going to cost to fix it Then, every time he gives you money to 'pay on it' give him some type of receipt, and also make him sign something saying that he agrees with how much the remaining balance is If he doesn't want to go that route, then tell him you'd be more than happy to get the money from his insurance company Was this answer helpful to you? Yes / No

808fl	definatly insurance notify your ins co but tell them you are not claiming from them but his insurance had the same thing happen his ins paid out as mine was a write off also made arrangements for my car to be taken to a repairers as it was a write off they diposed of it had a courtisy car till all was sorted returned car a fortnight as I bought another car his ins co also paid wife comp for whiplash def insurance did not have to pay exsess or lose no claim marked on renewal notice that there was no blame on my part Was this answer helpful to you? Yes / No

smiley	i would have to go through insurance company as otherwise your just gonna get alot of hassel that you just dont need did you ever wonder why they dont want to go through insurance company maybe their not insured or this could have happened before please do yourself a favour and go through insurance company you will be glad in the long run Was this answer helpful to you? Yes / No

Helen	he hit you get on the phone to your insurance and let them sort it out , i think you have 21 days to report an accident to the police so you should do that as well . your insurance can't be effected in anyway it was undeniably his fault so your insurance company will get all expenses from his insurance , and if your car is only 2 months old you will very probably get a new one as the decrease in value caused by repairs is unacceptable . your trust in the guy who hit you is naive and this is why you pay insurance ! you won't even lose your no claims bonus . Was this answer helpful to you? Yes / No

c.j.davies	The other party is not going to pay out £1000, in any accident always go through the insurance. Was this answer helpful to you? Yes / No

anchan	If it was his fault, your insurance won't be affected (it will be his company that pays out, not yours). But if you don't want to make his claim on his insurance, make sure you have it in writing that he has agreed to pay all costs, so that if he doesn't pay up you will be able to take out legal action against him. I would recommend going with the insurance option, though! Was this answer helpful to you? Yes / No

cubcowboysgirl	file a police report immediately if you have not done so. Call your state/countries attorney general's office and find out if it legal for your insurance company to raise your rate if involved in an accident of which you were not at fault. If it is not legal as here in the US file a claim immediately. If the other party was ticketed by the police then his insurance company will find out anyway. Was this answer helpful to you? Yes / No

rbarc	Get a lawyer. Was this answer helpful to you? Yes / No

JACK OF TRADES	Have him fil out a letter stating that it was his faullt with his full name and date on it.Check his license to be sure he is who he says.Write out the amount to be paid,when it's to be paid and give a date the full amount must be paid by. I would just go through insurance if he/she didn't have the money right then.He doesn't sound like a believable person. Was this answer helpful to you? Yes / No

Marcus	just go through the insurance and that solves all your problems Was this answer helpful to you? Yes / No

protruckdriver71	Well, this is really a sticky situation. YOu should have contacted not only his insurance, but more importantly, YOURS. Depending on how long ago it was, I would still talk to you insurance company. You rates shouldn't go up at all. You were a victim and you were not at fault. Secondly, if you still do not want to get the comps involved, that is fine. Email me and I have a file that I can send you. It is a promissary note that states that he is liable for the whole repair. Just pay for what he can not pay for, get the car fixed, take pictures of before and after, and then give him a certain amount of time, say 30 days, to pay up or you will talk to his insurance company and show them the promissary note. They will take it from there. There is nothing against the law about what he has done. People do that all the time. Was this answer helpful to you? Yes / No

Stevie mac	if he is insured use his policy and let the company pay...HE can pay HIS insurers the cost over installments if he wants. if he is not insured then you either trust him or take a hit on your no claims bonus...do not pay any of your own money except your policy excess. ring your insurers and ask them if your policy was due today what would be the new premium with reduced bonus this will give you a guideline of what to expect when the true renewal date falls due..realistically the INCREASE in premium @ renewal is likely to be less than £1000 as the maximum bonus you can lose is 40%(2yrs) ** ONLY UK ROAD TRAFFIC ACTS APPLY ** Was this answer helpful to you? Yes / No

blb	Do not let this guy make payments to you. How do you know he isn't going to make a couple of payments and then stop. It's not your fault he hit you and you are being too nice. Call his insurance company immediately and turn in a claim for the damages to your vehicle. They will let you know whether they will have someone take a look at it or whether they want you to get estimates. If he does not have insurance and you have full coverage, claim it thru your own company. I have seen people do this before and it NEVER works out. At least not in your favor. It is not your responsibility to be nice to the person that caused damage to your property. Was this answer helpful to you? Yes / No

Bardic	You trusting soul! ALWAYS tell your insurers, they'll sort it out with his, that's what they're paid for. If it's not your fault, they will claim against him and you won't lose your bonus. Was this answer helpful to you? Yes / No

chunky	Has the other party got a credit card? get them to give the garage the details and authorisation to bill that account,then they could pay the bill in instalments. If I was you I would not pay for the damage myself and hope that you get the money back from the other person. Was this answer helpful to you? Yes / No

mottthedog	You were wrong. In trying to be a nice guy, you are taking all the risks. What if he just tells you where to go, what proof do you have that he was involved at all? I can't say what your laws state, but here in the U.S., without a police report taken at the time & site of the accident, you can open a real can of worms. For example, could you NOW prove that you didn't put your car in reverse by accident, and backed into him? What if he shows up with the neck brace and says he's going to sue you since you backed into his car and injured him!?! You could sue him, but then you have legal costs and what if he still doesn't have the money to pay? Report what happened to your insurance company ASAP! Good luck. Was this answer helpful to you? Yes / No

lingua06437	First of all, get two other estimates on the damage to your car. How do you know the dealership gave an accurate assessment? My insurance company wanted 3 references the last time I was in an accident. Secondly, you are not a bank - you are the victim. If the person can't or won't pay up front - go through the insurance company. Was this answer helpful to you? Yes / No

Martin14th	Let the insurance deal with it, you have to notify them of an accident anyway even if you don't claim. What about whiplash injury to you? Have you had a stiff neck at all since the crash? That alone can be worth several thousand let alone the cost of the repairs to your vehicle. The only thing you have to make sure is that you claim all of your uninsured losses back from the other driver, then your insurance will not go up. Was this answer helpful to you? Yes / No

bluemoooner	it sound's as he has something to hide ,no driving licence,insurance driving without owner's consent the list is endless if you claim of your own insurance then you will lose your ncb because who do your insurer claim from.he can deny that he was driving put it through the insurance and REPORT it to the police,take the heat and tension away from yourself.what if it was the other way round. Was this answer helpful to you? Yes / No

J.R.	You need to file a claim with his insurance. You are being WAY too nice. They need to pay for your car to be fixed, and also for the decrease in value now that your new car has been in an accident. BTW, your insurance will not go up if the accident was the other person's fault. Please go file a claim. Was this answer helpful to you? Yes / No

ragingmk	If you are not at fault then your insurance will not go up as a result of this accident. You are being exceedingly naive if you believe that the other driver will pay all of your repair costs - and I believe that it is a condition of your insurance policy that you notify your insurers of anything that happens to your vehicle. Ring your insurance company - give them the details of what has happened - and let them deal with it. Was this answer helpful to you? Yes / No

bagmouss	Tell him he either has to pay up front the full £1000 or go through his insurance. The end of the day your the victim so you just want you car fixed. By not going through the insurance you are doing him a favour, but he is not returning the favour by not paying for the repairs of your vehicle. Go through his insurance, you are safer and also rest assured it wont affect your insurance premium. Good luck Was this answer helpful to you? Yes / No

2 good 2 miss	I would just go through the insurance companys as i cant see his excess being more than £1000.... He sounds a bit dodgy to me Was this answer helpful to you? Yes / No

oddball59	I would strongly advise you to go through your insurance company. Was this answer helpful to you? Yes / No

mobile auto repair (mr fix it)	the police will rite up a non reportable accident form for you and that will give you everything you need if he turns into a dead beat also most insurance company's wont count against you for minor stuff under $1000 and your insurance will never soak you for someones else hitting you Was this answer helpful to you? Yes / No