Well FINALLY! If someone had used the explanation at the beginning, all this would have been avoided.
I can see how mitigation severely impacts the case since we waited so long for an estimate. Again, would have been nice to have that spelled out early on.
I'm curious if the law would truly consider that to be a reasonable person's actions on the "filing with the insurance company [after 1 week]". Here's why:
1. I've seen literally thousands of cars on the highway with cosmetic damage that has not been fixed. Some of them I've seen several times over several months on my way to work.
2. I can reasonably assume that at least half of them have insurance.
3. Regardless of the reason for the damage, I might reasonably assume that those with insurance did not get the damage fixed because the deductible + premium increase cost as much as the repairs would out of pocket.
4. I would argue that a reasonable person does NOT file with their insurance company for repair of "minor" cosmetic damages (according to the III, only 8 out of every $100 taken in by auto insurance companies went to comprehensive in 2003 (2/3 of the amount that went to lawyer's fees alone) and there's evidence that the number of comprehensive claims (aside from weather) is actually decreasing each year).
The question then becomes what these people would have done if someone had given them further incentive to not claim the damage by offering to pay for it themselves. I thought I was being a good person by not going to his insurance company and raising his premiums and letting him pay out of pocket. Lord knows if that happened to me and the cost to fix the damage out of pocket was less than the cost to my insurance, I'd want an chance to do that. Then again, I know that the vast majority of Americans can no longer be categorized as "nice", so maybe that's where I become "unreasonable". I was trying to be polite like I was raised in my Southern family and assume the person was honest. By the time I realized he likely wasn't, I guess I had waited too long.
As for getting attention, I don't think that's my reason for doing this. Maybe you have more insight into me as a person than I do. I just thought SCC might be an option, so I sought out the "best free advice on the web" and got a response similar to many I've read on here. I now know that "Contact an insurance agent" meant "You have a weak case and will likely be out SCC fees." Of course, just saying that would have been helpful, but like I said, not all people are nice. Nevertheless, I guess I've gotten a sense for the merits of the case.
I'll post a few more questions about technicalities as I prepare this case. I know who's holding a grudge and got their "Senior Member" feelings hurt and who will actually be interested in answering a legal question with advice that's clear and helpful. I'll skip over the former posts and write down what I get from the latter. This has been a fascinating experience, one which makes me wish I had stayed with Psychology. It'd make a GREAT case study.
And djohnson, I wonder if it ever occured to you that "twisting everything" was a sign that the advice might not have been as clear as you think. When my students "twist everything" I've said, I step back and wonder if maybe *I'm* the one who was unclear. To the uninitiated, the law can be a very daunting thing and what comeone well-versed in it thinks is clear is likely just muddy water to someone new. You have your assumptions about me and that's fine, but I do appreciate your advice and apologize if I "twisted" it.
As for Judge Judy, I'm kind of surprised that you all watch her. I thought this forum was about serious law. If I've ever seen a person who didn't really care about serving justice, it's her. Then again, they DO troll for Jerry-Springer-like cases, so I guess that speaks volumes about what kind of person she is at heart (I always wonder about the people who LOOK for people to yell at). Heck, just look at the time slots and channels she's on.
Well, I'll consider this thread closed unless someone has some additional advice. I'll know which names to skim over and which to read.