nc_gyrl_1985
Junior Member
What is the name of your state?What is the name of your state? NC
This past Monday I was involved in a rear-end collision with a man in North Carolina. I was at fault, and it wasn't until I called my insurance agent that I found out my estranged husband hadn't been paying our premium and the policy was cancelled. I am the owner of my car, so I am responsible. I am willing to settle out of pocket with the gentleman that I hit. He has given me an estimate of over $550 to fix a dented bumber on a 96 Cherokee. The parts alone for the vehicle to replace the bumper are less than $150, and the rest is "labor". He took it to the Jeep dealership, and when I informed him that I believed that was too expensive for the work required to replace the bumper, he told me that he didn't want to replace the parts, that he wanted to fix them and maintain the originality of his vehicle. This car is not a rare car, nor is it registered as a collector car. So am I required to pay this amount, or am I allowed to buy the aftermarket parts and find a mechanic that is just as certified as the ones he wants to use and let them install it? I made a mistake, and admit to it, but I don't know if he has the right to rip me off. He told me that he no insurance either, despite being in a good-paying job (high rank in the military). What are my options? Thanks for any help that you might be able to give, and for anyone who wants to harp on my driving without insurance, don't. I already know I was an idiot to trust my soon-to-be-ex with something so important.
This past Monday I was involved in a rear-end collision with a man in North Carolina. I was at fault, and it wasn't until I called my insurance agent that I found out my estranged husband hadn't been paying our premium and the policy was cancelled. I am the owner of my car, so I am responsible. I am willing to settle out of pocket with the gentleman that I hit. He has given me an estimate of over $550 to fix a dented bumber on a 96 Cherokee. The parts alone for the vehicle to replace the bumper are less than $150, and the rest is "labor". He took it to the Jeep dealership, and when I informed him that I believed that was too expensive for the work required to replace the bumper, he told me that he didn't want to replace the parts, that he wanted to fix them and maintain the originality of his vehicle. This car is not a rare car, nor is it registered as a collector car. So am I required to pay this amount, or am I allowed to buy the aftermarket parts and find a mechanic that is just as certified as the ones he wants to use and let them install it? I made a mistake, and admit to it, but I don't know if he has the right to rip me off. He told me that he no insurance either, despite being in a good-paying job (high rank in the military). What are my options? Thanks for any help that you might be able to give, and for anyone who wants to harp on my driving without insurance, don't. I already know I was an idiot to trust my soon-to-be-ex with something so important.