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I find my “gut” is right most of the time and I’d venture most people would say the same. 

Unfortunately, I usually remember this after I’ve acted contrary to what my “gut” was telling me. 

Regarding the post subject, listen to your “gut” on this one because it is helping you make the correct decision.   

If the other driver (who is at fault), get’s out of the car saying, “Let’s not get Insurance involved, I’ll pay for it”, it typically doesn’t end well.

In some cases, a kind person will unknowingly get involved with a dirtbag with no moral compass that makes this statement.  However, they have no intention of handling, will provide false contact information, drive off and my guess is they will likely sleep as well that night as they do any night since they do not suffer the burden of a conscious like the rest of us fools.

In other cases the individual may be well intentioned, but quickly find out they are in over their head -  Bumpers are a heck of a lot more than they were even 10 years ago and you may have backup sensors or a rear view camera etc.  

They also have to understand that you are entitled to:

  •  A rental vehicle when your car is in the shop

  • Repair from a shop that will guarantee their work and

  • Timely payment (certainly do not wait for reimbursement)


It’s best for both parties if the claim is turned over to an adjustor – it will be handled correctly for you and the premium increase for the other driver will likely be a lot less than what they will pay for your repairs. 


posted by dan@hebbeln-ins.com

Posted 8:13 AM  View Comments

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Chesterfield, MO 63005
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