creamsaver
New Member
On June 8 of this year I was involved in a minor car accident with another driver. There were no injuries.
The other party was from out of state and driving an avis rental car (did not buy the avis insurance). She failed to follow the curve of the road and strayed into my lane. She was however traveling for work and her work insured her through travelers insurance.
Initially I reported to accident to avis rental and my insurance.
The lady also reported the accident to avis and her works insurance (travelers)
Appriasers came out and surveyed the damage to each vehicle.
The damage to the rental car was $500. The damage to my vehicle was $1300.
Our insurance companies made contact with eachother and each of them took the side of their insured.
My insurance paid me out minus my $1000 deductible so I got $300 bucks.
Avis sent me a claim asking me to pay for their damages ($500)
This claim was forwarded to my insurance who denied it.
Now my insurance said the claim will go to arbitration once travelers initiates it and a neutral third party will decide whose at fault. (Seriously not my fault) At the scene when I explained to the lady what happened she looked me dead in the eye and said "your word against mine". There were also no witnesses and the cops in San Francisco dont respond to non-injury accidents.
My question is this. I have not filed an SR1 form. I've read that if an accident does not cause injury and the total damages dont exceed $750 it does not have to be reported. Can I cancel the claim with both companies. Im willing to repay the $300 my insurance company gave me, to forget about the $1000 deductible I had to come out of my pocket for and also pay the $500 to the rental car company.
Im going to be starting a new job that requires a clean dmv. No point and no accidents on my record. It seriously wasn't my fault but i dont want to risk this at arbitration.
The other party was from out of state and driving an avis rental car (did not buy the avis insurance). She failed to follow the curve of the road and strayed into my lane. She was however traveling for work and her work insured her through travelers insurance.
Initially I reported to accident to avis rental and my insurance.
The lady also reported the accident to avis and her works insurance (travelers)
Appriasers came out and surveyed the damage to each vehicle.
The damage to the rental car was $500. The damage to my vehicle was $1300.
Our insurance companies made contact with eachother and each of them took the side of their insured.
My insurance paid me out minus my $1000 deductible so I got $300 bucks.
Avis sent me a claim asking me to pay for their damages ($500)
This claim was forwarded to my insurance who denied it.
Now my insurance said the claim will go to arbitration once travelers initiates it and a neutral third party will decide whose at fault. (Seriously not my fault) At the scene when I explained to the lady what happened she looked me dead in the eye and said "your word against mine". There were also no witnesses and the cops in San Francisco dont respond to non-injury accidents.
My question is this. I have not filed an SR1 form. I've read that if an accident does not cause injury and the total damages dont exceed $750 it does not have to be reported. Can I cancel the claim with both companies. Im willing to repay the $300 my insurance company gave me, to forget about the $1000 deductible I had to come out of my pocket for and also pay the $500 to the rental car company.
Im going to be starting a new job that requires a clean dmv. No point and no accidents on my record. It seriously wasn't my fault but i dont want to risk this at arbitration.
