Yes I have, they are not cheap. Not arguing who's at fault here (sorry buddy lol) or the costs .. I'm simply disagreeing with the resolution to the problem because I think it can invite a lot of additional issues ... If I knew the person I hit I would pay for it out of pocket .. a complete stranger .. not a chance upon gawds green earth .. by the book baby! People are dishonest by nature anytime money is involved .. what is there that says he didn't put that act on to get $ out of you and then turned around and filed a claim too!?It's your thumbs and ultimately your a-hole they end up in if he screws you over .. now prove he received $600 from you .. you can'tunless you have a receipt .. now try to get that money back .. and you'll find yourself in small claims court instead .. by the time that damn crap is over that head light has costed you thousands ... and if he doesn't pay up you have to take him BACK to court ..
Obviously this would be worst case scenario but like I said .. anytime there's money involved I don't put ANYTHING passed people ...

 

I agree 100% Mike the insurance will kill you. I think you did the right thing

 

Plus, depending on your insurance company, once an accident report is filed it gets sent to Carfax, if you ever want to sell this will knock money off the amount you can get

 

You're right Nick, but let's just hope that doesn't happen. I'm going to make him sign something saying he got the money though. I'm not going to make it that easy.

 

Bummer on the fender bender Mike. I think you did the right thing as well be not going through insurance for something like this. It demonstrates taking personal responsibility, and doing the right thing. Chances are, beyond the deductable, your rates would probably increase, and end up costing more in the long run.

 

Mike, Sounds like you're doing the right thing. Nice to see in this day and age!!!

 

Sorry to hear about the accident hummerguy, but its very heart-warming to know that there are still people around who are more into doing the right thing than the money thing.

I'm not sure what I would have done myself, but I'm thinking you might just want to be careful about thing coz if the guy claims he has abad back one year down the road (i.e. he has a financial difficulty)and blames the hit and decides to sue you etc, at least you know you'll have your insurance to cover if you had called it in. Honesty, I'm not sure what I would have done if I were in your shoes...

Well, at least the good thing out of this is now you know how tough your hummer is!

 

Sorry to hear about your truck.

In Montana, you would not have been at fault - the other guy would have gotten a ticket for being too close.
Here, the ticket always goes tothe person in back for being too close or following too close.

Glad you could work it out to your satisfaction, the insurance companies are a pain.