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Video instructions and help with filling out and completing rental car accident no police report

Instructions and Help about rental car accident no police report

Music I have five secrets that I've learned from over 25 years of experience in successfully helping people and families with personal injury and wrongful death cases secret number one recorded statements can hurt your claim insurance companies go out of their way to encourage people to give them a recorded statement they do this to help reduce the amount of money they will have to pay on a claim the reason that recorded statements are so tricky is that most people think that they won't hurt their case by giving the adjuster a recorded statement or they think that they have to give a recorded statement or else the insurance company won't fix their car or pay their bills but before you give a recorded statement get the help of a lawyer let him tell you if you have to give a statement or not and let them tell you what questions you do or don't have to answer here is how and why recorded statements are so dangerous the questions they ask you are designed to be used against you later for example they will ask you what injuries you receive from the accident if you leave out one injury they will later accuse you of lying and say now you complain of a knee injury but when we took your recorded statement right after the accident you didn't say anything about any injury so you must be making this up to make a profit from the accident case the second biggest way that they use a recorded statement against you is by getting you to guess and an answer about how the crash happened or get you to say that you don't know something about the accident then later use this against you for example they may ask how fast was the guy going who rear-ended you and you might think that he was going at least forty-five miles per hour and you just say that since the crash really felt hard but later the facts indicate that the property damage was minor and that his speed was closer to ten or fifteen miles per hour so then they may say wow you were really exaggerating the speed when we took your statement so are you now exaggerating your injuries today see how tricky this can be or another example it's when they ask you where the other car came from and you say I don't know they then make up a plausible explanation of why they're insured was not at fault since you can't say what they did wrong the only reason you answered I don't know is because you did not have enough time to really investigate the whole thing or see all the information and evidence and so when you gave the recorded statement it was unfair to you since you were not yet fully able to know many things about how the accident happened and secret number two insurance companies hope you

FAQ

How did you deal with the untimely death of a younger sibling?
This was the image on the front page of the newspaper that morning.My 12 year old sister died on January 14, 2015, as did my mother. My mom had been driving my younger siblings to school through a thick, swimming, cold fog.She missed a stop sign due to low visibility. A Walmart diesel was mounting speed on the cross street going through the intersection.My other sister, Kalli, who was 17 at the time and in the passenger seat with headphones in her ears, told me that she saw the trailer of the truck rushing up to meet her face, and then she was on the ground and there were strangers all around her, alarmed voices, feet pounding the dirt. Nothing made sense in the chaos, and she was fading in and out of consciousness, so that there were large blank spots in her memory punctuated by snapshots of confusion and panic and this sense that something was terribly wrong with the world. She woke up at the hospital in a neck brace. She tried to wet her lips with her tongue and asked in a weak voice, “What happened?”My sister - Jenna. She was in the 8th grade. For a few weeks prior to her death, she had been bugging me to teach her how to curl her hair. I kept putting her off. Little things like that bother me still.Her father - my stepfather - had died of a heart attack two years earlier, in 2013. She was 11 then. She had tried so hard to grasp the concept of forever, of the permanence of death, and when she finally had an idea of the nothingness of time as it tumbles and spills ever onward, she was unable to sleep alone for the next two years of her life - the final two years of her life.She told me once, “I talk to my dad sometimes. People at school tell me he's with me always, so I talk to him just like before. I tell him that I love him and I listen as hard as I can to hear him say he loves me too, but he doesn't answer me, and I can't hear anything but silence.”When the diesel struck my mother's car, she, my mother, was crushed instantly. The accident report, which contains the autopsy report, says that her internal organs ruptured. After I read that, this odd feeling came over me that I can't describe, unlike grief or shock or any pain I'd ever experienced, this odd eery feeling, like you're being watched by something too huge to see. This feeling did not depart for days afterward.I'm looking up across my bedroom to think as I write this, and my eyes keep falling on my mom’s guitar, which I've seen across her lap thousands of times, her fingers moving gracefully over the strings while she hummed softly. A million times I have searched for the link between my mother as she was alive, strumming the guitar, and my mother at the moment of her death, her body broken and ripped apart by grating metal and broken glass. I still have not found the link. I cannot. I have not even come close.Jenna almost lived. At least that's what the accident report suggests. She survived the impact, but smashed her skull into the window, which immediately blinded her in one eye. Her brain hemorrhaged. Her body went into shock, unable to cope with the gruesome physical pain that had seized it, and for over 20 minutes she suffered convulsions in the backseat of the car. But she was alive. She was alive. She was alive.She is not alive now. She did not make it out of the backseat of that car with a heart that still pumped, lungs that still drew breath, or a mind that still held any awareness that she had left us behind. The only thing still moving in her was her blood as it flowed from her cuts and matted into her bright hair. I've often tortured myself wondering if, during her convulsions, she was somehow aware that her mother was beside her and she could not reach her. Did she know where she was? Did she know herself? Did she know she was dying?At the hospital, the police officer gave my little brother his school bag back, the one he'd been holding in his lap moments before he was wedged under our dead mother until paramedics tore him free of the car by hauling him screaming through the back windshield, his face torn from forehead to chin in a deep gash down the left side. Luckily his eye was spared, though the teasing from other kids at school about the scar he carries down his face caused him to quit public school about a year after the accident.Anyway, he reached inside of the school bag the officer handed him, expecting to find some of his belongings, ancient relics of a time that existed before that morning, a lifetime ago. But when he lifted his hand out of the bag, we were horrified to find blood squishing through his fingers. Whose blood, we did not know for sure. My older sister, who later was to take custody of him, leaned forward and vomited into her hands.To answer your question, you don't get over it. You deal with it. You sit dry eyed (at least I did) in the office of a funeral director. You make arrangements in a steady, controlled voice, because it's the decent thing to do. You watch people light candles and you accept flowers and cards as they are handed to you with a thank you and a crooked smile. You make sure everyone is eating. You take out the trash. You submit to being hugged, drowned in people’s perfumes. You look for ways to restore convenience and normalcy. You fill the hours. There are so many hours to fill.I suppose that one can learn to accept pretty much anything. Shock gradually settles into something resembling acceptance. All of the family from out of state who came in rental cars and spent hours flipping through family photo albums with you, laughing and crying by turns, have long since gone home, the rental cars returned to where they came from and used over and over by other people for reasons having nothing to do with you or anyone you know. But you - you are still here, and there is this abstract emptiness here with you that you must share your life with. It becomes normal to you, as I'm sure you've discovered by now.The funeral home had a wake for my mother and sister. I cannot to this day imagine what would've possessed them to do such a thing. I did not go. I did not want to see them.My older sister went. She figured that if the funeral service people were saying they were okay to be viewed, then maybe it wasn't so bad. Maybe it would help with the images of them that her imagination had placed in her mind, replace them, push them away, out of reach or existence.The evening after the wake was over, I went to my sister's house to help pick out some photographs to show on a DVD at the funeral.She was crying when I arrived, and when I spoke aloud to ask her what was wrong (although I already knew), she collapsed forward onto the table and sobbed brokenly, shaking her head, repeating parrot-like, “I shouldn't have gone, they shouldn't have shown them that way! I shouldn't have gone, I shouldn't have gone, I shouldn't have seen them like that!”After a while the sobbing eased into those odd gasps people always get after crying really hard, and she told me even though I had not asked that they were laying side by side, already starting to decay. Their hair was wiry, their skin stretched like paper over their bones.“Remember how Jenna had chubby, dimpled baby hands?” she asked, sniffling, and I nodded dumbly, not wanting to hear the rest but unable to stop her from speaking. “Her fingers, they were so thin. Skeletal. The ends of her fingers were boney. Her fingertips were - pointed.” She pressed her hand over her mouth and tears rolled out of her closed eyes. I looked at some flower petals that, having fallen from the vases and vases of flowers that occupied the table, were strewn across the table's surface, and I held my breath for a moment, struggling to force the sadness back in. A tear splashed into the back of my hand, followed by another, and something went out of me - perhaps, at that moment, any belief I still held from childhood that there is a God in Heaven watching down on this world and giving it any kind of purpose.The strangest thing I've realized is that, nearly two years later, the grief comes in bursts. I'll be driving to Office Max for envelopes or tying my shoes or washing a sink full of soapy dishes, and suddenly their absences will strike me to my core, down to the center of my bones. Finally when I regain my sense of here and now, I’ll whisper to my mother and my sister, “I love you,” speaking to them out loud just like before, and I listen as hard as I can for them to say that they love me too, but they do not answer me, because they are not here, they are not watching over me. They do not remember who I am to them, and they do not know my name. I can't hear anything, but silence.
How can car rental companies offer ridiculously low prices ($6–7/day)?
Most of the rental companies went to Bid Pay pricing. So if the demand is low on a certain day at a certain time, an algorithm will set the price lower. Those prices do not include a lot of other fees like registration fees and a bunch of others. Plus, rental cars are taxed at a higher rate. Most people think it is a right to rent a car. The gov disagrees and charges a luxury tax. In the picture above the one under Budget would be about right. Also the really low ones will probably limit the number of miles you can drive.One rental company does a weekend special where it is $10 a day for the weekend with limited miles. They try to sell upgrades or protections. The only really protection you need is the CDW which is worth it and I get it every time. EDIT: Why CDW?Your personal insurance covers you. However, if something happens to the car whether or not it is your fault, your insurance gets a claim on it. Rental companies don't care whose fault it is. They care only that you were responsible for a car and now there is damage.If you park your car in a parking lot and someone tears off a bumper while you are in the store, your insurance is hit. You have to cough up the deductible, usually $500, up front when you return the car and a report is filed with your insurance. It is up to your insurance to reimburse you if they deem fit to down the road.It is not that the rental company believes YOU will damage the car, but if someone else damages it, you are the responsible one unless you get a police report. You can't control what other stupid people do. If the wind catches their door and it puts a big dent in your rental while parked in walmart, that is your problem. Rental companies don't give you the option to pay for the fix out of pocket. It goes directly to your insurance if it is greater than $250 in damage.As for credit cards...unless you have a black Amex card, 95% of the time the credit card company will deny your claim. One of the small prints in their ToS is that there MUST be a police report filed. So if you get into an accident, sure you might be covered as long as you were not on private property. Oh...parking lots count as private property. Not only that, but a police report is never written for fender benders or any accidents unless someone is hurt. Rental coverage from a credit card company is very nearly a scam. In the years I worked for a rental company all accidents/damage I dealt with, the credit card company denied the claims and if fell to their personal insurance which then had a claimed hit on it.CDW is a get out of jail free card. If any damage happens, even a total loss on the car and you fill out the accident report at the office and walk away. It does not matter whether it was your fault or not (unless you were intoxicated), you do not get nailed with any costs.EDIT: GrammarEDIT v2: I want to add more information about pricing on CDW. While some state laws cap rental companies on the amount they can charge (made up in higher rental costs), most states are not. The price for CDW is broken into regions or groups of the company. Each group could have a different cost for CDW. The reason for this is based on the damage their vehicles take. I do not know the exact formula, but take all the cars that receive damage that are either covered by CDW or damaged vehicles they can not collect on and work out the spread cost over all the branches. Then they calculate what they need to charge in order to offset that cost loss. You might wonder why it does not ever seem to go down in price if damages are less for that year. The big rental companies are monstrous in size and so they will take a long term view of 3-5 years instead of the last twelve months. Also, because cars are decked out in more and more technology, the cost of cars are going up and repairs cost more as well so the chance for CDW prices to drop is unlikely. 15 years ago you could replace a bumper for $400-600 now it is $800-$1200 (depending on your area). Why the cost increase? Back up sensors and such for example. Plus you have to match paint and paint has gone up in cost. If costs in repair drop or for an extended period of time a group's damages are less, you might see a drop. It is not a money grab to nickel and dime customers. That is what PAI is for :).
What happens after a car accident with no police report?
The consequences would depend on the severity of the situation.Minor accidents don’t warrant a police report. When the accident does not injure anyone and the damage to property or car isn’t serious, often the driver just files a claim with his/her insurer and everything goes back to normal. If it’s a two-car accident with no injuries, minimal damage, and both drivers are insured, the police don’t usually get involved.For accidents that resulted in severe injuries and damages to property: Hospitalization and medication for injuries, car repair, damages—all that exceeds your deductible would have to be paid out of your pocket if you don’t file a police report. You need a police report if you want to file a lawsuit or plan to get the other party’s insurance to cover your damages.A police report speeds up the processing of a claim, and sometimes, not having one or delaying the report can mean not getting your insurance to cover your damages. Insurers look at a police report to verify that the claim is genuine, meaning that the accident was real, to check who’s at fault, and to validate the damages claim.Generally, reporting to the authorities is one of the first things you should do after an accident. The only exception is for accidents resulting in minor damages. Different states have different laws on filing police reports after an accident and as responsible drivers we should know the policies in our area.
What do I do in a car accident?
General StuffThe first thing to do is to get to safety and to make sure that everyone is safe from future harm. I.e. you don’t want to get in a secondary accident or get run over. Also, make sure your car won’t move. If it is running turn it off and put it in park. Put on the emergency brake.What you do next depends on the circumstances. If it is very minor, you may or may not want to call the police. If it is more serious, you should call the police. If anyone is hurt, you must call the police. If cars require towing, you must call the police. Check the law in your state before you simply exchange information and leave. Do not just leave the scene, regardless.Provide any medical support necessary to make certain people are ok. Unless it is absolutely necessary, do not move someone who may have injured a back/neck. Do what you can to help with bleeding or anything that requires immediate assistance. Otherwise, wait for help.These nexts steps assume you are able to do so.Exchange information. Insurance, driver’s license, registration, name and address of all drivers. If you are able, take pictures of each of these documents. Do this even if you call the police. Sometimes police reports aren’t complete.Get the names and contact information for any passengers as well as any witnesses. Do this even if you call the police. Sometimes police reports aren’t complete.If you can, take pictures of the car(s). When you take pictures of the cars, make sure you give proper perspective in the pictures so anyone viewing them can get a true sense of the damage. Take pictures of the license plate and VIN if you can.Take pictures of the accident scene itself. Skid marks, road signs, things to give perspective and also to show if the road or signage in some way contributed to the event.Get the name and contact information for any police who respond. Find out where you can get a copy of the police report.Many insurance companies have apps available for recording this kind of information. See if your insurance company has one, and if it does, download it on your phone now so you will have it later.Legal StuffDo not admit responsibility. Even if you think you are responsible, don’t say it. Keep your mouth shut as far as that kind of information. Don’t apologize. I know you want to. Don’t do it. Don’t admit responsibility to the police.When you are able, call your own insurance company and report what happened. You are required to assist your own insurance company. You should call as soon as you can, certainly by the next day unless you are physically unable to do so.You are not required to speak with the other insurance companies. However, if the accident is simple, property damage only, and the other person admits fault, you may want to go directly through the other insurance company because you won’t have to pay out your deductible and wait to get it back.If you are hurt, do not speak to the other insurance company. Do not give a recorded statement to the other insurance company until your lawyer or your own insurance company tells you to do so. I cannot stress this enough, you do not have to speak with the other insurance company. If you are the defendant, your insurance company will provide you with a lawyer. If you are the injured plaintiff, you should hire a lawyer to speak to the other insurance company with you.If you have limited tort or whatever it is called in your state, and your injuries are minor, you will not be able to recover for pain and suffering, so you are just looking at payment for medical bills and property damage. If you are seriously injured, even if you have limited tort, you want a lawyer. The lawyer can help you figure out if you can get beyond the limitation. If you aren’t sure, talk to a lawyer first. If you have regular insurance, talk to a lawyer. The lawyer may be able to get you a better settlement.Some articles you might find useful (from my firm’s website.)Video on choosing auto insurance in PA What You Should Know About Buying PA Auto InsuranceHow to Document a Car Crash to Increase Your Compensation. - Lowenthal & Abrams, PCHow Long Does an Insurance Company Have to Pay Medical Bills After a Pennsylvania Car Accident? - Lowenthal & Abrams, PCPhiladelphia Auto Accident Lawyers of Lowenthal & Abrams - This is a list of things to do after a car accident. It is very markety though.
Is LDW (loss damage waiver) void if there was a minor accident with no police report? I submitted an accident report to DMV, and the rental agreement requires reporting to a "law enforcement agency".
You didn’t say where the accident happened. In California you can go into a CHP office (of the collision occurred in their jurisdiction (not within city limits where there is a police department) and file a counter report. It is an official police report.
Do I have to fill out a accident report request that was sent to me? There wasn't damage to either of our cars
This depends on which state you live in and also who sent you the report request. It is highly unusual for a citizen to send a crash report to another citizen. If I were you I would not fill it out unless it came from a police agency. Even then I would be suspicious and follow Kathryn's answer below.
What happens in a car accident with no police report or insurance exchange?
Basically nothing out of the ordinary, you pay for your vehicle to be repaired and the other person does the same with their property. Or you simply continue to drive the vehicle with the damage, if it is safe to do so.I have seen countless people get into a minor fender bender or bumper scrape/tap, make sure each other is not injured, shake hands and drive on down the road. It honestly depends on not only the two people and their situation, but also the location. More of those situations were in NYC/N.J. area as well as Phoenix, AZ and New Orleans, LA area. When I lived in Seattle, WA they would wait for a long time for the police to show up and write their report. In NYC, cars hit one another so often, and most people don’t really care because their cars aren’t all that pristine anyway, so it doesn’t matter, unless of course there is major damage.The bad thing about waiting (sometimes up to an hour) for the police is that a lot of times, they will find someone at fault and write them a ticket, or even both people.