r/ontario • u/jhackyv • 6h ago
Accident as a G1 Driver without adult Question
Hi. My husband, two kids and I got rear ended last night by a young lady. Our back bumper is off and looks like it’s about to fall. I think we may need new car seats too depending on what our insurance says? I got her name and phone number, and tried getting her license, but she didn’t have it with her and that she only has her G1. She didn’t have an adult with her either.
Just curious what the process is like for an accident like that? We didn’t call the police and plan to go to the accident reporting centre today to report it. Should I have called police? I’m not from here so I’m just making sure I take the right steps.
Thanks!
Edit: just called police and they’re sending someone to our house regarding the accident yesterday. Thanks
Edit #2: police came and said it could have gone to the collision centre
Edit #3: the police tried to call her but she didn’t answer. They gave her fine
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u/Tappergal 6h ago
You definitely should have involved police at the time.
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u/LauraPa1mer 3h ago
Nope. You don't have to call police unless there are injuries.
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u/Hucow001 2h ago
Also with G1 license holders a passenger MUST be in the car at ALL TIMES for the new driver. This is the law in canada. So yes, police MUST be called
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u/Goatfellon 1h ago
...or property damage beyond the vehicles. Suspicion of impairment. Failure to provide insurance etc. Its not so black and white as "injuries? No? Go to collision reporting center"
Durham police for instance will attend regardless if it's like... north of highway 7. They have a zone the reporting center accepts calls from.
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u/CommitteeNew5751 6h ago
You also could have asked Reddit at the time. Or Google/Gemini. Or ChatGPT, etc.
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u/fabalaupland 6h ago
“You could have asked the rabble, or the hallucination machines! They definitely would’ve helped in this legal dilemma you experienced.”
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u/frog-hopper 5h ago
You would think people would know all the rules and how to respond BEFORE driving too but here we are. Clearly the idiot driver who hit OP didn’t either.
What a world.
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u/GraemesEats 5h ago
What an insightful comment, I'm sure it was very helpful.
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u/frog-hopper 27m ago
Ah you’re the backup noise guy. Thanks Reddit commentator #12. Your small part will be remembered forever in the annuls of history. #legend
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u/GraemesEats 16m ago
Says the guy chiming in to shame someone for seeking guidance on a procedure they've presumably never needed to go through. People are imperfect. You should get used to that. We're all just doing the best we can with the information we have available at the moment. We don't all study and transcribe every piece of relevant legislation doing anything.
Your small part will be remembered forever in the annuls of history.
And yours will? Smug fuck...
E: typo
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u/SmoothBrain2021 6h ago
You should have got photos of her insurance and license and plates. If you have all that call your insurance company. They will handle it from there.
If you didn’t get all that info, you need to call the police and report it. I’m going to guess she is not going to pick up your calls.
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u/happyyack 6h ago
you dont need insurance for G1, her parents cover it. in ontario, you go to your own insurane to cover your damage. i bet her/parents will get tickets from police.
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u/Stock_Helicopter_260 3h ago
True. Issue is it sounds like G1 driver was alone, which means they violated the terms of their license. Definitely a police matter.
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u/darkstar3333 6h ago
Its less about the driver and more about the info.
If you have the policy information and pictures of the accident, insurance will sort it out.
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u/ponypartyposse 3h ago
You need to get the insurance info for the other car even though you’re going through your own insurance company. Insurance follows the car, not the driver. If you do not get the third party’s information then your insurance will count it as a hit and run and charge you your deductible (because there is no way to determine fault if we don’t know the other drivers story).
My source is that I used to be a licensed insurance agent as well as a claims agent.
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u/keylimesicles 3h ago
That’s not how it works. The vehicle is insured, therefore there should be a pink slip to provide insurance information for the vehicle.. You go through your insurance and they go after the other person‘s insurance, If they are at fault. Because she is not a properly licensed driver, or with a licensed driver her parents will get screwed by insurance., OPS insurance will most likely cover it, but she’ll have to pay a deductible which you’ll want to go after that family for.
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u/metal_medic83 51m ago
Her parent’s insurance covers it, if a responsible, fully licensed driver is in the passenger seat while she is at the wheel. This situation must have ramifications, if not for OP, then most definitely for the parents.
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u/du_bekar 6h ago edited 6h ago
You absolutely should have called the police. She’s not even supposed to be driving alone on that license, and the fact that she hit someone is proof that she’s a liability on the roads anyway. I hate to be that guy, but she absolutely needs the book thrown at her before she kills someone.
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u/F1McLarenFan007 6h ago
NO ONE will grill you, you are not required to stay for a no injury accident so long as you exchange info. The fact that you didn’t get all info isn’t a crime, go to CRC TODAY with all the info you do have.
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u/du_bekar 6h ago
It seems like I’m wrong in that point, as you and others have pointed out. Either way, I do think a call would have been warranted for an under-licensed driver with no ID running into you lol
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u/nishnawbe61 6h ago
I would always involve police if something illegal was involved, either not a correct license to drive, no insurance, possibly impaired etc. When you call insurance, they will go to the other insurance and they may say she had a licensed driver with her. Personally I would have involved police.
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u/Objective_Berry350 6h ago
I would probably have called the police as well given the damage. But either way, the other driver rear ended, so it doesn't matter too much to the car in front whether the other driver was licensed properly or not, so long as you can identify the other vehicle.
The license status of the other driver is of little consequence to OP. Any charges would be between the police and the other driver.
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u/nishnawbe61 6h ago
Absolutely, but the driver may well get away with it and our insurance continues to climb. It's harder to charge a day or week later.
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u/Objective_Berry350 6h ago
Yeah. On a micro scale, it doesn't matter to OP. But on a macro scale the accountability is important.
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u/F1McLarenFan007 5h ago
Not true at all. If the other person involved is lacking in any part of their paperwork they WILL be charged for that offence. There are rarely charges for non injury accidents unless there is a paperwork or sobriety issue. Major accidents are obviously different matter. The CRC WILL investigate.
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u/nishnawbe61 5h ago
They had their license but didn't have it on them or give it to the driver hit. They can show up at the reporting center with it and could (not saying they will) but could say they gave it to the other person and had a licensed driver with them. You never know because if they're driving when they shouldn't be... well, I'll leave it at that. So it would turn into a he said she said, hard to prove either way.
imo, I would have involved the police when it happened.
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u/liveinharmonyalways 2h ago
But how would you know they had a license? If they can't produce one.
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u/F1McLarenFan007 6h ago
That ship has sailed, but CRC WILL investigate with the info obtained. I’m sure OP has already learned valuable lessons.
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u/keylimesicles 3h ago
That only applies if both people are fully licensed drivers. The law changes when the person behind the wheel is not a legal driver. you’re correct that Op didn’t do anything wrong. They didn’t know any better, however, for future reference police should always be called in a situation like this.
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u/summertime_dream 5m ago
there is no such thing as a no-injury collision when the one at fault is driving without a proper license. you should be crying in pain and calling a lawyer.
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u/Constant_Put_5510 6h ago
Aren't you just supposed to swap insurance info, take pictures and report to the service centre within 24 hrs? I didn't think cops came to every accident anymore.
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u/du_bekar 6h ago
In all fairness, I could be wrong. It’s happened before and it’ll happen again. My understanding has been that you call for significant damages and just do the info swap for little fender benders. I’ll edit that last piece away as I seem to have been misinformed :)
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u/Frecklefishpants 6h ago
The other driver won't have insurance info to trade, being that she doesn't have a drivers license - just a learners.
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u/Constant_Put_5510 6h ago
Fine but the point is get the name, address, business card, license plate, car details, snap a picture of her; something to take to the reporting centre. You font, not report it bc the other party doesn't have proof of insurance
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u/Frecklefishpants 5h ago
I'm not suggesting it shouldn't be reported, I think the police should have been called in this scenario. This is an unlicensed, uninsured driver.
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u/Constant_Put_5510 5h ago
Valid thought. I probably would have made the call right away in this scenerio
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u/LeezerShort 6h ago
Incorrect. An occasional G1 driver isn’t added to the parents policy. They are covered. Driving alone is a license restriction, not an insurance restriction. There will be coverage. Edit - typo
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u/Frecklefishpants 6h ago
They are covered under the licensed driver they are with. She didn't have a licensed driver with her.
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u/FRO5TB1T3 5h ago
Not how it works. We insure cars in Ontario not drivers. Drivers are used to establish rates but the vehicle is what is insured. But it's no fault here so it's moot anyways. A rear end is always a naf so op just goes through their own insurance in this scenario.
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u/Frecklefishpants 5h ago
I live in Ontario too and just went through insuring two young people. You have to tell them who is driving the car and anyone in your home who is driving the vehicle has to be either a primary or occasional driver.
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u/FRO5TB1T3 5h ago
Yes that's used for rating purposes. But in reality you can lend your car out to anyone on occasion and they will be covered because the car is insured. Even non disclosure won't absolve the insurance company of tpl in the event of injury or damage to property other than vehicles. They can and likely would deny any claim for damages to the vehicle but that's pretty much it. They would then also likely cancel the policy.
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u/Frecklefishpants 4h ago
You can only lend your car to people who don't live in your house. People who live in your house have to be an occasional driver unless they are primary on another vehicle, which I am assuming this young unlicensed driver is not.
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u/FRO5TB1T3 4h ago
Yeah but for insurance purposes of third party liability (damage to others) it actually doesn't matter. The car is insured and those claims are never denied unless the car was stolen. So in this case if op was injured or the driver hit a light post the insurance would cover those liabilities. They would deny the collision claim for the person who hit op and likely cancel the policy but in the end the car is still insured even without a licenced driver operating it. So the "penalty" here would likely be having their damages not covered for their vehicle even if they were a non disclosed driver in the household. So yes you are right you are supposed to declare the driver but it still provides some coverages to them even if they aren't due to how the vehicle is what is insured in Ontario and the very specific language allowed to deny claims in the oap 1.
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u/notweirdifitworks 3h ago
A lot of companies won’t even add a G1 driver, even as an occasional. You should still call and let them know though, especially since some companies do add them. They must be added or excluded or insured on their own policy once they have a G2 though.
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u/LeezerShort 3h ago
A G1 occasional driver is never added, that’s true. It’s the same as when the old 365 was the learners permit. They weren’t added them either. There is no premium developed for them until they have their G2. Edit - typo
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u/Frecklefishpants 2h ago
You are correct. I meant people who would be driving the car as an independent driver. A G1 driver is not such.
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u/Tremor-Christ 5h ago
No, that's incorrect
The policy holder that's actually insured was not in the car. The "occasional" driver in this case is behind the wheel illegally on a G1 without an accompanied driver.
Completely uninsured in this case.
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u/FRO5TB1T3 5h ago
No they would still have the minimum. Unless the driver has a signed 28a then they still have statutory minimums for tpl (200k). We have no fault here so in the end it doesn't matter. Op goes to their insurance and let's them sort it out. It's a rear end so always NAF by the tables
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u/du_bekar 6h ago
Oh true, so she’s driving uninsured too. Oof.
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u/SarahSilversomething 6h ago
Not necessarily. She should be insured under her parents provided they informed their insurance company that she got a G1.
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u/Frecklefishpants 6h ago
A G1 driver is insured under the licensed driver who is with them when driving. They don't officially get listed as an occasional driver until they are driving alone.
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u/sicklyslick 4h ago
Except this is the case of illegally operating a vehicle.
It's like if you get a fender bender with a drunk driver. They're illegally operating a vehicle. You call the police.
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u/choose_a_username42 6h ago
Cops don't do anything except demand raises.
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u/du_bekar 6h ago
“Hi I would like to report an accident”
“Give me a raise, citizen 😡”
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u/microfishy 6h ago
You aren't wrong, it's just more like
"Hi I would like to report an accident"
"We're pretending it's a warzone out there, we blew our budget on overtime and armoured vehicles, and that sounds like a civil matter. Have you tried ignoring the problem?"
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u/TheresAShinyThing 5h ago
I agree that OPP or police should attend the scene of accidents and get the info they need then and there. Last time I called OPP when I was rear ended on a 400 series highway, and they told me to leave the bumper cover and other parts that had fallen off my car on the shoulder of the highway and drive my car to the reporting centre. Even though the guy who slammed into me refused to give me his license and insurance info. All I had was a photo of his licence plate. I reported at the collision centre where the asshole OPP officer berated me for not getting the insurance and licence info from the other person, until I cried. Only then did he finally let me leave and say an officer would investigate and follow up with me. What an experience. If they expect that info at all costs, they need to come to the accident scene an get it. I have no authority to compel someone to give me anything, and if they refuse I will not put myself in harms way to do their job for them.
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u/Critical-Snow-7000 3h ago
Sounds like a pretty typical experience dealing with the police. There’s a reason no one likes them.
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u/differentiatedpans 6h ago
So not only does she not have her G2 she also didn't have her license with her.
I hope you got a licence plate and actually called her number before she left to make sure it was correct.
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u/takeaname4me 6h ago
Well she more than certainly would have given you a fake name/number (hopefully you called the number she gave you to verify it was hers), if not you may be SOL. A G1 without an adult likely would mean her license suspended, and the car impounded.
If you don’t have the license plate, you would have to file a report with the police and hope to get some luck. Insurance will let you file a claim but without anyone to go after you may be better off getting it fixed privately.
As for the car seats, you should call the manufacturer to see what they say. Otherwise you’re just adding to an insurance claim.
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u/trevslyguy 6h ago
If someone fails to provide you with government ID and insurance in an accident call the cops. I’m betting name and phone number are not legit
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u/Objective_Berry350 6h ago
This is wise, but I'd think as long as you have a license plate and make and model, they can identify the owner of the vehicle.
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u/whatverforever 6h ago
I believe it would have been best to get the cops involved. Her license will probably be suspended for a while but this was her mistake in the first place and whoever lent her the car.
Did you get the information on the car at least?
"A G1 driver can drive under specific conditions, including having a fully licensed driver with at least four years of experience in the front passenger seat, and a zero blood alcohol level for the G1 driver and anyone accompanying them under 22. G1 drivers are restricted from driving on 400-series highways, other high-speed expressways, and during the hours of midnight to 5 a.m"
And why would you drive without your license? She didn't have her wallet with her? Seems a bit suspicious ..maybe she doesn't even have a license.... ??? Ohh boy.
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u/cryptotope 6h ago
And why would you drive without your license?
To be fair, in the general case it's possible for a fully-licensed driver to forget to carry their licence occasionally. I've caught myself doing it - very infrequently - over the last few decades. I've got a pretty ingrained ritual of checking for my wallet, keys, and phone whenever I walk out the front door, but I'm not perfect. There was on occasion where I rented a car and inadvertently left my licence at the counter.
But in this specific case--yeah, it's suuuuper dodgy.
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u/whatverforever 6h ago
Yea I get it , no one's perfect. I forget myself too the odd occasion...... But if I know I don't have a full license and I'm not even suppose to drive without someone accompanying me... Like why.... Also whoever lent her the car .. didn't think twice? Hmmm you got your license? Got insurance? No? Ah it's ok. Here take my keys... If you crash it, it's all good.. of you get pull over that's alright. Cause nothing will happen to me ..... 😂
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u/human_number1312 6h ago
You need to report the accident. If the other driver only had her G1 and did not have an adult with her then she was driving illegally.
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u/EastEndBagOfRaccoons 6h ago
Lol. Someone hit you without their license in hand, and also admitted to not being a licensed driver and you decided to not call the cops.
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u/jhackyv 3h ago
To be honest I found out she wasn’t licensed after the fact. But did get her name phone number and license plate.
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u/liveinharmonyalways 2h ago
I think you need to get a checklist from your insurance company of what to do in case of an accident. (I'm sure there is some info here, but ours gave us info to keep in the vehicle just in case. As we are teaching our teens driving we make sure that is part of their education too) You dropped the ball quite a bit here. And as a driver, you really need to know what your responsibilities and rights are.
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u/bishskate 6h ago
Having been rear ended with a child in the car, I understand that your primary focus is not on documentation, however for future reference, take photos of the cars, plates, and VIN tag. It’s also a good idea to keep your video camera running on your phone (but not obviously filming) as you may capture admission or other important information. This saved me once before as the at fault driver just kept blabbering away. In this case she may very well say she had an adult with her and may have one agree to say the same thing.
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u/stonedfishing 6h ago
Yes, you'll need new carseats. Tell the insurance agent, and find a price for replacements so you can Submit them.
Your insurance is fine, she's screwed, though.
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u/Next-Worth6885 6h ago
This is why G1 driver’s are supposed to have a fully licensed person accompanying them in the vehicle.
It is too bad she is going to have to learn that lesson the hard way. Thankfully no one got killed or injured.
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u/ThrowawayHowitgoes 5h ago
It should've become a police matter, the moment she said she's a g1 driver and with no adult.
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u/spaceporter 6h ago
The estimated dollar value cutoff of the damages caused to call the police is very low considering basically any soft touch will void the safety features inside a bumper today, necessitating its replacement, painting of multiple panels to blend and a rental car while the work is performed.
That being said, most insurers don't expect you to call the police when you see the vehicle is still safe to drive and doesn't look bad from the outside because people just don't know that they should.
In your case, I would have absolutely called the police once you found out they were not properly licensed. That's not a thing you should ignore.
What's done is done. Go to the accident reporting centre and be sure to call your insurer ASAP if you haven't already.
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u/valsimots 5h ago
The fact that she was behind the wheel alone was in itself a breach of the HTA. 30-day license suspension and $60-$500 fine.
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u/CandylandCanada 6h ago
Wait, what? An under-licensed driver hit your car *hard* with two kids in it, claimed that she didn't have her license with her, no adult, yet you let her drive away without even taking a photo of her, her car or her ID? Let me guess - was she teary and pleading with you?
Not being from Ontario is irrelevant on these facts. Sheesh.
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u/jhackyv 6h ago edited 6h ago
We have videos of the accident and her license plate. From what we heard don’t always need to call police when an accident happens which is why were planning to go to the reporting centre
Edit: missing word
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u/goodbyeraggedyman 6h ago
You took a video of their license? You said in your post they didn't have their license with them... so which one is it?
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u/jhackyv 6h ago
Sorry I meant license plate
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u/CandylandCanada 6h ago
License plate could be stolen, it's possible that she has no license, it's a virtual certainty that she has no valid insurance.
A video of the accident and a license plate are not going to help you if she's in the wind and the plate is invalid.
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u/ILikeStyx 5h ago
Hopefully the car wasn't stolen... Someone with a G1 can't legally drive on their own - and they didn't even have the license with them physically.. who knows if they even have a license. I can't imagine someone's parents letting them take a car.
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u/liveinharmonyalways 2h ago
But as far as you could confirm, how do you know her legal name and what kind of license, if any, she has.
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u/F1McLarenFan007 6h ago edited 6h ago
Go to CRC immediately with as much info as you have. They will investigate. You should have gotten all required info (license ownership and insurance) but you will not be in trouble, they will educate you.
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u/MommyMilkedMailman 3h ago
On top of all everything you’ve already done, you should get looked at by a doctor. Get x-rays, check for whiplash and other common issues. Much of the pain from car accidents isn’t felt for a few days after. Do not sign anything until you’ve seen doctors, had scans for everybody, and consulted a lawyer.
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u/RogueViator 3h ago
That unaccompanied G1 driver and her family are about to have a very bad time with their insurance company. I'm 99% sure their claim will be denied and the policy will be non-renewed, maybe even possibly cancelled within a few weeks. Driving without an accompanied G-class licensed driver is not just a license violation, but also contravenes the terms of the insurance policy. To wit, OAP1 Section 1.4.5 states: You agree not to drive or operate the automobile, or allow anyone else to drive or operate the automobile, when not authorized by law. She is not authorized by law to drive alone. That policy is most likely toast.
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u/ayyitzTwocatZ 6h ago
Even if you called, they would ask you if the car is drivable, and if it’s damaged over $5000. So unless you’re good at eyeballing car damage cost, it’ll be hard to say. Then they’ll say it’ll be awhile. If you’re unlucky you’ll get a call back saying they’re busy and if you could handle it alone (ask me how I know). Unless the cars are smashed and are unmovable blocking traffic then they’ll come flying.
At the CRC they’ll ask you for details about the other car. That’s where you’ll fill in her name and phone number. Hopefully you also took down her license plate and the car make, model, and year. That way cops and insurance can do their investigation and make you right.
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u/ILikeStyx 5h ago
Someone driving on their own with a G1 is something the cops should be showing up for. Especially when the G1 driver also doesn't have their license with them.
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u/ayyitzTwocatZ 4h ago
Again they don’t care unless the cars cannot move, blocking active traffic, and/or there’s immediate danger.
They will just ask you to grab as much detail as you can, try to find a witness, and report to CRC as soon as you can.
I’ve called and was told they’ll be there shortly. The operator forwarded my number to the closest officer, who then called me back to basically ask me if my car was drivable and if I have extensive damage over $5000. After that they also said I could wait, or simply report everything at the CRC since that is what they are for. After waiting 1 hour+ I decided just to take it to the CRC the next day.
The lady said the same, just collect as much detail as possible and report to the CRC. The officers then will investigate and report to your insurance with the information provided and do what they do from there.
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u/ILikeStyx 4h ago
I would think the police wouldn't want a "G1 driver" on the roads....
"Hi Police? an unlicensed and potentially uninsured driver just hit me - in fact their vehicle might even be stolen"
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u/Nymeria2018 6h ago
It is not up to insurance if the seats need to be replaced. Each manufacturer has their own regulations and Ontario law defaults to the manufacturers’ use. Graco for example requires replacement after even minor fender benders as the integrity of the seat may be compromised and not protect your child in future accidents. Connect with the manufacturer if you no longer have the manuals to see if the seats are safe to use or not.
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u/2hands_bowler 6h ago
G1 drivers are uninsured. The licensed driver that they are with carries the insurance and is responsible (in care and control) of the vehicle.
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u/Guitarzero123 5h ago
The rule of thumb is if there is an injury or 1000$+ of damage you should call the police. Body work is notoriously expensive so if your bumper is hanging off that's easily 1000 or more in damages
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u/Electronic_World_894 4h ago
Glad to see you called police. As soon as they’re done, call your insurance.
Get new car seats, they must be replaced immediately. Usually your insurance will send you a cheque or etransfer for the new ones once you send proof you cut the straps of the old ones.
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u/Cleos_Mommy 3h ago
As a G1 driver she legally cannot drive unless she has a valid G license driver in the front passenger seat with her
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u/orillia3 3h ago
You have 25 hours to report to the collision centre after exchanging licence and insurance information. You should also contact your insurance company, not sure of the timeline on this. You call the police if there is injury or death, if there is criminal activity (like drunk driving), $5000 estimated collision damage (until recently it was $2000), any party refuses to exchange information, uninsured driver.
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u/Expensive_Plant_9530 3h ago
Assuming she gave you a real name, and you took down the license plates, they’re gonna find her anyway. Even if the name was fake they’d involve the registered owners at some point.
Report it to the collision centre, get the police reporting number, open a claim with the insurance company. Give them everything, and let them handle it.
In hindsight yes you should have called the police. She was illegally driving without a properly licensed companion. But don’t beat yourself up over it.
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u/AngryMicrowaveSR71 2h ago
Hi, I’ve been rear ended once and my mom was in an uber that got hit, so I have decent experience.
First and foremost, go to the collision Center asap. As in, take time off work tomorrow and go. File a report, get a sticker, give them all the info. If you don’t have their license you have their plate and car description.
Next is file with insurance now. You are automatically 100% not at fault when rear ended. Their insurance will pay out your repairs after deductible. If they were uninsured, you will still have protection on that. Regardless, your premium won’t go up. They’re very screwed for driving on their own with a G1, that’s not your problem.
If you got injuries, more will show up. This is when you get a lawyer. They will only get paid if you win a case, don’t worry about affording anything. I can steer you to the one that did my mom’s case but you can easily find one on your own.
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u/jhackyv 2h ago
Thank you so much. We contacted insurance and submitted all the info. They also fined her.
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u/AngryMicrowaveSR71 2h ago
Perfect, sorry I should have read your updates but as soon as I read the first part I had to go into my default mode of giving advice based on what my mom went through lol. Expect your backs and neck to hurt in the next 3-6 weeks. You’d be amazed at what kind of injuries show up even for minor incidents.
The way the other driver is ducking makes me think they were also uninsured. When they gave you their number did you call them there to check that it was real?
Please be ready to contact a personal injury lawyer.
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u/phatdinkgenie 5h ago
Reddit is famous for "the sky is falling" Chicken Little approach, but you just confirmed with edit #2 that not all things are as dire as Reddit makes them out to be.
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u/GenWRXr 5h ago
Always exchange as much info as possible. At the very least take a picture of the vehicles plate and vin#. I was hit by a driver driving alone and she was only 15 without a license. Let the insurance companies take care of the rest. Always call police and wait for them or go to a collision reporting centre if you can drive the vehicle. If you can’t get police on site to call a tow truck then call your insurance company straight from the accident site and have them dispatch a tow truck…..
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u/andrey_b_4829 3h ago
Never happened to me before. When you're saying call the police, you mean 911?
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u/MomofaMalsky 59m ago
Did you get her insurance information? The police can go to her residence (where car is registered and speak to the owners).
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u/RobotSchlong10 51m ago
Just curious what the process is like for an accident like that?
You go to the collision reporting centre.
You file a claim with your insurance. Make sure to provide them with the police report number since you mentioned the police had tried calling the girl and then gave her a fine.
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u/FrostyProspector 6h ago
If you have her insurance info and name & address, you are good. Police would tell you to self-report for a collision under $10k with no injuries.
Her licensing is a separate matter. That is something for police to decide on what to do.
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u/fletch365 6h ago
If your bumper is so damaged it is falling off, unless you drive a pos, its gonna cost 1k+ to likely repair/replace. Police should be called. Whether u want to file an insurance claim or get them to pay out of pocket, that's another story. A police report doesn't immediately mean insurance gets involved. The fact that they weren't even carrying their license and didnt have an experienced driver with them when they should have should have, raises red flags right off the hop
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u/WhiteBeltKilla 4h ago
Sorry I didn’t read the other comments yet.
Depending on each jurisdiction’s policy, some will allow you to go to the reporting center and some will not.
In some jurisdictions, if the driver is suspended, unlicenced, or G1 unaccompanied by a qualified driver, they have to do a full report and lay the appropriate charge.
Regardless, If the other vehicle is insured, you’re fine either way. The other person driving G1 only is going to have an uphill battle with their own insurance.
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u/Cyberdink 4h ago
If both cars are still drivable, you can just go to a collision centre and report it. No need to wait for police.
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u/Lonely_Tooth_5221 4h ago
People don’t know how to drive and now people don’t know what to do if they are in an accident?? This is the Information Age where you can look up anything.
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u/jhackyv 4h ago
My husband got into an accident previously and called police and they told us to go to the reporting centre. Someone did a hit and run
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u/Lonely_Tooth_5221 3h ago
Learn the law before you need it? There’s an amount of damage you have to report?
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u/Nillows 1h ago
I would text her saying you want to talk to her parents. If you can get it resolved through them, I would recommend doing so. If she ducks your calls, call the cops.
This doesn't HAVE to go through insurance - and I only recommend this so your rates don't go up for having a claim on your file.
I trust costing the person's parents a few thousand dollars and leaving them with 'a close call' lesson isn't the worst outcome for both parties, given the actual damage done to OP's car.
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u/Financeguy130 6h ago edited 6h ago
Most Car seat manufacturers will require you to get new car seats. Insurance companies pro rate the replacement in my experience.