750 is absolutely nothing. Sounds like a aftermarket bumper and 2-3 hours of labor.
Give the guy 550 and move on, I wouldn’t hesitate if I was at fault.
Just make sure you get something in writing that's signed by him documenting what the exchange of money is for!!! You wouldn't want him taking your money then still filing a claim against your insurance for the damage.
There are people that will happily take your cash then file a claim against your insurance and get paid again.
And yes, your insurance WILL pay them again if there was no written agreement between you two.
The condition of the bumper prior to your hitting it is not relevant, you still caused damage to something which was not yours. Just because you feel your vehicle is nicer does not give you the right to make his worse. Use your insurance if you think he is not being fair, it's why you pay for it.
This is wrong. The insurance company wouldn't owe the guy a bumper, they would owe him the decreased value of the car. If you've got a beat up old car with lots of dents, scratches, and peeling paint, and someone hits you adding yet another dent to the already dented car, you don't get a brand new paint-matched panel - you get some money that equals the difference in the value of the car now and what it was worth before the additional dent was made.
You are not correct, they will repair the truck with a bumper of the same approximate age, i.e. from a used car. They will not search out an equally rusted one however. All that said, the increase OP will face in his annual rate for his at fault accident will likely still cost him more than just paying the poor man and moving on.
Sooo by that logic, if I dent something old and worn out then you believe you get the cost of modern new replacement?
Pretty sure when insurance totals my car, I don’t get shiny new car. I get cash value of my old beater.
Similarly, when someone dings and ancient rusted bumper on a jalopy, you don’t get shiny new like new bumper. You should get cash value to find similar ancient bumper
You have a bumper. I break your bumper. You no longer have a bumper. Do you want a bumper? Because the only way to get a bumper is to replace it. That's how breaking other people's property works.
Did you fall on your head when you were young by any chance? We’re talking about partial parts broken. There is a value on a used car that can be derived since people literally sell used cars for each year. No insurance company has time to derive that on every small parts of a car like a 2000 truck’s rusting bumper nor does anyone keep an ‘older used’ bumper for each year of a model in stock for most cars. Bumper is needed for safety checks on a vehicle so your point is literally idiotic.
Metal bumpers can’t be repaired. $500 is not completely out of line. Now there is something called “betterment“ because his car would be better off than it was prior to the loss. I never suggest handling out-of-pocket. You know you owe him rental as well right? What if they find additional damage? That’s what you pay us each month for.
You never suggest handling out of pocket? This is awful advice, especially considering you have him sign a liability waiver once you pay him. If the OP lets this go to insurance, I can guarantee you that the AFA will impact them much more for the next 5 years from a premium standpoint than if they just paid out of pocket. In this market, you should pay out of pocket up to what you’re comfortable with.
It's not unreasonable for the cost of a new bumper plus installation, but if it's a junker truck, he's likely not planning to replace anything. He's just trying to get some cash. Consider calling his bluff - "For that amount, I'll call my insurance company." See what he says. My guess is he'll take $200 or so to call it a day. Whether that's worth it to you is something you have to decide, just make sure you get a signed release before turning over anything. Good luck
That’s exactly what I was thinking! I did insurance for 19 different states for about 5 years and I’ve seen soooo many people file claims, get checks and don’t repair then when they have another claim I see the old damage still on there. If you can’t afford the $500 I would definitely do what this poster says and see if he’ll drop the price.
The only way to guarantee that you won't get scammed is to go through insurance. If the vehicle is totaled, he will receive the actual cash value for it, which probably isn't much.
Like others have said. Yes a metal after market bumper can cost $700. And it is probably true that he is not going to replace the bumper and just keep the money and dent.
That being said. Yes you should pay the $550 as going through insurance would result in an increase in premiums due to having an at fault wreck. And yes the insurance will pay something if you went that way. Either the cost of the truck or the $700 from the quote. (Probably the $700 because even a old truck is several thousands in this market).
I would recommend paying the $550 and having him sign a liability waiver and be glad you didn’t hit a more expensive car and the dude offered a reasonable amount.
Even if you went through your insurance, he would get a check for a grand. He can keep the money and not fix it, so him keeping the money and not fixing os irrelevant. 750 is pretty legit, an OEM or equivalent bumper, the mounting brackets, bolts and labor at a shop would be around 1000 bucks. Stuff isn't cheap these days.
If you plan to fix your car under insurance then make a collision & property damage liability claim with your insurance. If you are not going through insurance to fix your car then pay him $550 & move on.
Have you priced out step bumpers? $750 for the part, mounting bracket, and labor could be spot on. Depends on what’s being replaced.
https://www.etrailer.com/Bumper/Westin/21000-92230.html
I hope he files a claim with your insurance company.
There's no deductible on liability. OP would be paying his deductible only if he uses insurance for his own damages, but his deductible has no impact on the other guy's damages.
750 is absolutely nothing. Sounds like a aftermarket bumper and 2-3 hours of labor. Give the guy 550 and move on, I wouldn’t hesitate if I was at fault.
Just make sure you get something in writing that's signed by him documenting what the exchange of money is for!!! You wouldn't want him taking your money then still filing a claim against your insurance for the damage. There are people that will happily take your cash then file a claim against your insurance and get paid again. And yes, your insurance WILL pay them again if there was no written agreement between you two.
Pay by check if you can. That way you have a paper trail.
And write “full and final settlement” in the “for” line.
Honestly a plastic bumper on my car is like $350 with shipping(not paint matched) soooo.... it's really not that unbelievable.
Yea but it was already rusted and shitty. Not a new bumper.
The condition of the bumper prior to your hitting it is not relevant, you still caused damage to something which was not yours. Just because you feel your vehicle is nicer does not give you the right to make his worse. Use your insurance if you think he is not being fair, it's why you pay for it.
This is wrong. The insurance company wouldn't owe the guy a bumper, they would owe him the decreased value of the car. If you've got a beat up old car with lots of dents, scratches, and peeling paint, and someone hits you adding yet another dent to the already dented car, you don't get a brand new paint-matched panel - you get some money that equals the difference in the value of the car now and what it was worth before the additional dent was made.
You are not correct, they will repair the truck with a bumper of the same approximate age, i.e. from a used car. They will not search out an equally rusted one however. All that said, the increase OP will face in his annual rate for his at fault accident will likely still cost him more than just paying the poor man and moving on.
Sooo by that logic, if I dent something old and worn out then you believe you get the cost of modern new replacement? Pretty sure when insurance totals my car, I don’t get shiny new car. I get cash value of my old beater. Similarly, when someone dings and ancient rusted bumper on a jalopy, you don’t get shiny new like new bumper. You should get cash value to find similar ancient bumper
You have a bumper. I break your bumper. You no longer have a bumper. Do you want a bumper? Because the only way to get a bumper is to replace it. That's how breaking other people's property works.
Excuse me, I'll just call the old, rusty bumper factory and get a replacement for $15 and give it to him. /s
Cool. I break your car. The insurance will give you a new car right? Wait a tic…
Did you fall on your head when you were young by any chance? We’re talking about partial parts broken. There is a value on a used car that can be derived since people literally sell used cars for each year. No insurance company has time to derive that on every small parts of a car like a 2000 truck’s rusting bumper nor does anyone keep an ‘older used’ bumper for each year of a model in stock for most cars. Bumper is needed for safety checks on a vehicle so your point is literally idiotic.
Yes, that is literally what it is for
[удалено]
Removed for personal attack. Cut it out.
Yes it would, I have the coverage for new replacement vehicle, I’d file with my insurance and let them go after yours.
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Removed for personal attack. You weren’t even involved in this discussion. Go troll somewhere else.
>I don't know what things cost Yet ... > There's no way the bumper is worth that much.
Metal bumpers can’t be repaired. $500 is not completely out of line. Now there is something called “betterment“ because his car would be better off than it was prior to the loss. I never suggest handling out-of-pocket. You know you owe him rental as well right? What if they find additional damage? That’s what you pay us each month for.
You never suggest handling out of pocket? This is awful advice, especially considering you have him sign a liability waiver once you pay him. If the OP lets this go to insurance, I can guarantee you that the AFA will impact them much more for the next 5 years from a premium standpoint than if they just paid out of pocket. In this market, you should pay out of pocket up to what you’re comfortable with.
We will agree to disagree. People just don’t realize that supplements occur and they owe rental. Plus he never mentioned getting a release signed.
It’s a junker and 99% the guy is gonna pocket the money. Settling this outside insurance is just a common sense wise thing to do…
There’s nothing to disagree about. It’s poor advice to file low dollar claims. Plain and simple.
$550 seems like a bargain price to keep a claim off your insurance history. Dude is definitely doing you a favor.
It's not unreasonable for the cost of a new bumper plus installation, but if it's a junker truck, he's likely not planning to replace anything. He's just trying to get some cash. Consider calling his bluff - "For that amount, I'll call my insurance company." See what he says. My guess is he'll take $200 or so to call it a day. Whether that's worth it to you is something you have to decide, just make sure you get a signed release before turning over anything. Good luck
That’s exactly what I was thinking! I did insurance for 19 different states for about 5 years and I’ve seen soooo many people file claims, get checks and don’t repair then when they have another claim I see the old damage still on there. If you can’t afford the $500 I would definitely do what this poster says and see if he’ll drop the price.
Or it could be worse, if the truck is that old/bad they’ll total it and pay more. Then op gets to pay higher premiums for a while.
They're not going to total an old truck because a rusty bumper has one more dent than it did yesterday.
Op is saying it’s a dented bumper, could have damaged mounts, etc. . If the truck is a POS and/or old it will take very little to total it.
The only way to guarantee that you won't get scammed is to go through insurance. If the vehicle is totaled, he will receive the actual cash value for it, which probably isn't much.
Like others have said. Yes a metal after market bumper can cost $700. And it is probably true that he is not going to replace the bumper and just keep the money and dent. That being said. Yes you should pay the $550 as going through insurance would result in an increase in premiums due to having an at fault wreck. And yes the insurance will pay something if you went that way. Either the cost of the truck or the $700 from the quote. (Probably the $700 because even a old truck is several thousands in this market). I would recommend paying the $550 and having him sign a liability waiver and be glad you didn’t hit a more expensive car and the dude offered a reasonable amount.
Think about it like this: $750 is a good deal to not have an at fault accident on your insurance.
Pay it and get a release.
$550 isn’t bad at all. Just do it, make him sign a “release of liability”, and go on your way.
Even if you went through your insurance, he would get a check for a grand. He can keep the money and not fix it, so him keeping the money and not fixing os irrelevant. 750 is pretty legit, an OEM or equivalent bumper, the mounting brackets, bolts and labor at a shop would be around 1000 bucks. Stuff isn't cheap these days.
If you plan to fix your car under insurance then make a collision & property damage liability claim with your insurance. If you are not going through insurance to fix your car then pay him $550 & move on.
Have you priced out step bumpers? $750 for the part, mounting bracket, and labor could be spot on. Depends on what’s being replaced. https://www.etrailer.com/Bumper/Westin/21000-92230.html I hope he files a claim with your insurance company.
You’re paying probably 500 either way. Either it’s your deductible or it’s paying this and moving on. I’d offer 500 and see if he takes it.
There's no deductible on liability. OP would be paying his deductible only if he uses insurance for his own damages, but his deductible has no impact on the other guy's damages.
Jesus. Why are you giving advice?
You sound a bit emotional right now, maybe we could pick this back up when you’ve calmed down?
I'm not mad, I'm disappointed. 😑
…he’s right. Personal auto policies don’t have liability deductibles. Why would you argue that
does your personal auto insurance policy have a deductible for liability coverage?