| Posted By |
Message |
| Pages: 1 [2] |
jgl
Love my little boys!!!
Member since 8/07 7060 total posts
Name:
g
|
Re: Reporting an accident to DMV?
Posted by NervousNell
So as an update. The damage- for this minor fender bender- was over $6K! The guy who backed into us had zero damage as he hit us with his tow hitch.
Parts for this car are apparently quite expensive!
And then, right after I posted this, the insurance company sent us the form we have to fill out for the DMV and instructions to fill it out and send it in.
So I guess your insurance either does it for you or they send it to you to do?
Either way, this report looked EXACTLY like the police report and had that much detail. You even had to draw pictures. DH, who was a cop and is an expert at filling these things out took quite a while working on it.
Why on earth the DMV can't just get a copy of the police report forwarded to them is beyond me. they have no way of knowing if we are lying on that form anyway, Wouldn't it be better to have an official version from the police?
Ah, the inefficiencies and inconveniences of the state!
Haha I said the same thing. Its just like the police report so I pretty much copied that.
Sounds like what happened to me in June. Ford f-150 truck backed into my explorer.
$18,000 of damage and 28 days in the shop
Message edited 8/7/2018 9:14:47 PM.
|
Posted 8/7/18 9:13 PM  |
| |
|
Long Island Weddings
Long Island's Largest Bridal Resource |
mommy2B3
2 boys 2 girls!!!!
Member since 7/08 3324 total posts
Name:
M
|
Re: Reporting an accident to DMV?
I’m under the impression that your insurance does it for you. If you don’t report to your insurance company then you have to notify the DMV yourself. At least this is how it worked in NJ.
|
| Posted 8/7/18 11:09 PM |
| |
|
mommy2B3
2 boys 2 girls!!!!
Member since 7/08 3324 total posts
Name:
M
|
Re: Reporting an accident to DMV?
Posted by NervousNell
Posted by Blazesyth
Posted by NervousNell
Why on earth the DMV can't just get a copy of the police report forwarded to them is beyond me. they have no way of knowing if we are lying on that form anyway, Wouldn't it be better to have an official version from the police?
Ah, the inefficiencies and inconveniences of the state!
The report the police wrote for my accident had incorrect information in it. (The weather, number of people in the car, etc).
By submitting your own form you are legally giving a statement (that is supposed to be truthful) discussing your side of the story. To take the cop's word over the people that were actually in the accident would be a mistake.
Right but we gave the cop all the information at the scene and he wrote the report word for word what we said and what the other driver said.
I saw the actual police report and it was verbatim.
If he was lying, how do we prove it? It's then a he said/she said.
I thought the reason for a police report was to get an unbiased report of the accident.
Because the people involved are more likely to lie IMO. The cop has no vested interest in who is at fault.
You should have seen the report a cop wrote for our car accident in 2009. He wrote 2 sentences and forgot that my DS was in the car. He also failed to cite the other driver for anything, so I called my LT at the time ((different precinct)) and had him walk me through it all. We were able to do a couple civilian tickets, and she got points on her license, no thanks to the officer at the scene. I’ve read a ton of accident reports and I’d say the majority are usually well done, but you will find some that were either too lazy, got sidetracked or whatever else. So it’s important that people have options to write something better to their insurance/dmv. Glad your officer was thorough though! And I hope it’s not too big of a headache for you guys!
|
| Posted 8/7/18 11:20 PM |
| |
|
lightblue
LIF Adult
Member since 1/17 2249 total posts
Name:
|
Re: Reporting an accident to DMV?
So I guess I will see what estimate comes back because I'm not sure if I have over 1k of damage yet, but it's so confusing, because what if the other driver does have over 1k damage? I thought the police report gets sent to the DMV anyway...
|
| Posted 8/8/18 9:35 AM |
| |
|
NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
|
Re: Reporting an accident to DMV?
Posted by lightblue
So I guess I will see what estimate comes back because I'm not sure if I have over 1k of damage yet, but it's so confusing, because what if the other driver does have over 1k damage? I thought the police report gets sent to the DMV anyway...
If you need to fill it out, your insurance co will send it to you.
In our case he had NO damage and we had $7K worth of damage
After our adjuster came and gave the estimate, the letter with the form to fill out was sent.
So I guess they wait to see the damage and if it's over $1k, then they send it
Message edited 8/8/2018 10:42:36 AM.
|
| Posted 8/8/18 9:40 AM |
| |
|
lightblue
LIF Adult
Member since 1/17 2249 total posts
Name:
|
Re: Reporting an accident to DMV?
Posted by NervousNell
Posted by lightblue
So I guess I will see what estimate comes back because I'm not sure if I have over 1k of damage yet, but it's so confusing, because what if the other driver does have over 1k damage? I thought the police report gets sent to the DMV anyway...
If you need to fill it out, your insurance co will send it to you.
In our case he had NO damage and we had $7K worth of damage
After our adjuster came and gave the estimate, the letter with the form to fill out was sent.
So I guess they wait to see the damage and if it's over $1k, then they send it
Ok ty!
|
| Posted 8/8/18 11:30 AM |
| |
|
angelicd77
LIF Adolescent
Member since 12/13 794 total posts
Name:
Kim
|
Re: Reporting an accident to DMV?
Posted by CSK
Carfax gets the data from insurance companies as well as the DMV and police reports. It really depends on how major the accident is. I think the DMV report is for accidents over $1K, not $100.
If you filed a police report, it may be on the car fax. If you went through insurance, it may be on the car fax. I have filed the DMV report in the past, but likely would only do it for a large accident.
I jsut got royally screwed by carfax in that they reported an accident on my car as "structural damage" due to some coding on the insurance companies side. When in reality, it wasn't a big accident and the part replaced related to "frame" was a $75 part. Now I'm stuck begging people to consider my car at thousands less than what the car would go for normally.
Contact carfax. You can get it off. Dont settle if its wrong.
OP- I work in a dealership doing DMV and have never heard of this either... I dont see why DMV would even need to know unless you were at fault. Even then, the PD would report it and thats how the points would be applied to your license. As far as carfax gathering info it comes from service records, pd reports and dmv records.
|
| Posted 8/8/18 1:40 PM |
| |
|
NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
|
Re: Reporting an accident to DMV?
Posted by angelicd77
Posted by CSK
Carfax gets the data from insurance companies as well as the DMV and police reports. It really depends on how major the accident is. I think the DMV report is for accidents over $1K, not $100.
If you filed a police report, it may be on the car fax. If you went through insurance, it may be on the car fax. I have filed the DMV report in the past, but likely would only do it for a large accident.
I jsut got royally screwed by carfax in that they reported an accident on my car as "structural damage" due to some coding on the insurance companies side. When in reality, it wasn't a big accident and the part replaced related to "frame" was a $75 part. Now I'm stuck begging people to consider my car at thousands less than what the car would go for normally.
Contact carfax. You can get it off. Dont settle if its wrong.
OP- I work in a dealership doing DMV and have never heard of this either... I dont see why DMV would even need to know unless you were at fault. Even then, the PD would report it and thats how the points would be applied to your license. As far as carfax gathering info it comes from service records, pd reports and dmv records.
Yeah I didn't get it either but it was listed right on the police report that we needed to report to DMV for accidents with damage over $1k and sure enough our insurance co sent us the form and said we had to fill it out and submit to NYS.
Super annoying
|
| Posted 8/8/18 1:53 PM |
| |
|
Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
|
Re: Reporting an accident to DMV?
Posted by NervousNell
Posted by angelicd77
Posted by CSK
Carfax gets the data from insurance companies as well as the DMV and police reports. It really depends on how major the accident is. I think the DMV report is for accidents over $1K, not $100.
If you filed a police report, it may be on the car fax. If you went through insurance, it may be on the car fax. I have filed the DMV report in the past, but likely would only do it for a large accident.
I jsut got royally screwed by carfax in that they reported an accident on my car as "structural damage" due to some coding on the insurance companies side. When in reality, it wasn't a big accident and the part replaced related to "frame" was a $75 part. Now I'm stuck begging people to consider my car at thousands less than what the car would go for normally.
Contact carfax. You can get it off. Dont settle if its wrong.
OP- I work in a dealership doing DMV and have never heard of this either... I dont see why DMV would even need to know unless you were at fault. Even then, the PD would report it and thats how the points would be applied to your license. As far as carfax gathering info it comes from service records, pd reports and dmv records.
Yeah I didn't get it either but it was listed right on the police report that we needed to report to DMV for accidents with damage over $1k and sure enough our insurance co sent us the form and said we had to fill it out and submit to NYS.
Super annoying
correct- any incident after 2k has to be reported by you, the claimant/ policyholder.
its a replica of the accident report. Just follow that.
In the insurance biz.
As for not doing it, they can suspend license and what not. its happened before.
|
| Posted 8/8/18 3:34 PM |
| |
|
MST9106
My life:)
Member since 6/06 9589 total posts
Name:
|
Re: Reporting an accident to DMV?
Never did this before. I think this is something the insurance company reports on your behalf. I don't know anybody else that ever did it either.
|
| Posted 8/8/18 5:32 PM |
| |
|
ChilisWife
God Bless America
Member since 5/05 3572 total posts
Name:
A.K.
|
Re: Reporting an accident to DMV?
I have never ever heard of needing to do this before reading this thread.
|
| Posted 8/8/18 10:24 PM |
| |
|
NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
|
Re: Reporting an accident to DMV?
Posted by ChilisWife
I have never ever heard of needing to do this before reading this thread.
Yep me too. Until.I saw it on tbe bottom of the police report.
Was news to me
|
| Posted 8/8/18 10:56 PM |
| |
|
lightblue
LIF Adult
Member since 1/17 2249 total posts
Name:
|
Re: Reporting an accident to DMV?
Ok so now I have an updated question. I got an estimate from the other driver's insurance company, they are saying the damage is $360. This was just based on pictures I took which does not show full damage. I know that my auto body shop is going to charge a lot more because they said the entire bumper needs to be replaced and my sensors fixed. I'm not taking my car there till next week (they asked me to bring it in on Tuesday when it's a slower day for them) so I won't really know the cost of the damages until they look at it... so how am I supposed to file this within 10 days if I don't even know if the damage exceeds 1k?
|
| Posted 8/9/18 9:51 AM |
| |
|
NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
|
Re: Reporting an accident to DMV?
Posted by lightblue
Ok so now I have an updated question. I got an estimate from the other driver's insurance company, they are saying the damage is $360. This was just based on pictures I took which does not show full damage. I know that my auto body shop is going to charge a lot more because they said the entire bumper needs to be replaced and my sensors fixed. I'm not taking my car there till next week (they asked me to bring it in on Tuesday when it's a slower day for them) so I won't really know the cost of the damages until they look at it... so how am I supposed to file this within 10 days if I don't even know if the damage exceeds 1k?
I am sure you can do it after the 10 days. They aren't going to come and arrest you or anything. From this thread alone it seems half the population doesn't' even know about this rule.
Just wait until you get your estimate.
Or if you are worried, just fill out the form and send it in now- it doesn't take too long to do and this way you are covered either way
|
| Posted 8/9/18 10:29 AM |
| |
|
jgl
Love my little boys!!!
Member since 8/07 7060 total posts
Name:
g
|
Re: Reporting an accident to DMV?
Posted by NervousNell
Posted by lightblue
Ok so now I have an updated question. I got an estimate from the other driver's insurance company, they are saying the damage is $360. This was just based on pictures I took which does not show full damage. I know that my auto body shop is going to charge a lot more because they said the entire bumper needs to be replaced and my sensors fixed. I'm not taking my car there till next week (they asked me to bring it in on Tuesday when it's a slower day for them) so I won't really know the cost of the damages until they look at it... so how am I supposed to file this within 10 days if I don't even know if the damage exceeds 1k?
I am sure you can do it after the 10 days. They aren't going to come and arrest you or anything. From this thread alone it seems half the population doesn't' even know about this rule.
Just wait until you get your estimate.
Or if you are worried, just fill out the form and send it in now- it doesn't take too long to do and this way you are covered either way
My ins agent says the 10 day thing is a scare tactic. But im sure if you dont do it or within a reasonable time they could suspend your license
|
| Posted 8/9/18 11:29 AM |
| |
|
NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
|
Re: Reporting an accident to DMV?
Posted by jgl
Posted by NervousNell
Posted by lightblue
Ok so now I have an updated question. I got an estimate from the other driver's insurance company, they are saying the damage is $360. This was just based on pictures I took which does not show full damage. I know that my auto body shop is going to charge a lot more because they said the entire bumper needs to be replaced and my sensors fixed. I'm not taking my car there till next week (they asked me to bring it in on Tuesday when it's a slower day for them) so I won't really know the cost of the damages until they look at it... so how am I supposed to file this within 10 days if I don't even know if the damage exceeds 1k?
I am sure you can do it after the 10 days. They aren't going to come and arrest you or anything. From this thread alone it seems half the population doesn't' even know about this rule.
Just wait until you get your estimate.
Or if you are worried, just fill out the form and send it in now- it doesn't take too long to do and this way you are covered either way
My ins agent says the 10 day thing is a scare tactic. But im sure if you dont do it or within a reasonable time they could suspend your license
True. The way the NYS DMV works so slow, they probably won't even realize this until a year and a half from now.
LOL
|
| Posted 8/9/18 11:33 AM |
| |
|
2BadSoSad
LIF Adult
Member since 8/12 6791 total posts
Name:
|
Re: Reporting an accident to DMV?
Never heard of this and I have never done it. Just asked a bunch of people in my office and they have never heard of it either.
I am going to assume that insurance does this.
|
| Posted 8/10/18 10:16 AM |
| |
|
Blazesyth
*yawn*
Member since 5/05 8129 total posts
Name:
|
Re: Reporting an accident to DMV?
Posted by lightblue
Ok so now I have an updated question. I got an estimate from the other driver's insurance company, they are saying the damage is $360. This was just based on pictures I took which does not show full damage. I know that my auto body shop is going to charge a lot more because they said the entire bumper needs to be replaced and my sensors fixed. I'm not taking my car there till next week (they asked me to bring it in on Tuesday when it's a slower day for them) so I won't really know the cost of the damages until they look at it... so how am I supposed to file this within 10 days if I don't even know if the damage exceeds 1k?
My auto body says to never use the picture upload/assessment method. Instead, insist to have an adjuster come to the shop. Otherwise this happens where they dont assess the right damage then they end up having to put in revisions, etc.
Good luck.
|
| Posted 8/10/18 11:46 AM |
| |
|
NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
|
Re: Reporting an accident to DMV?
Posted by Blazesyth
Posted by lightblue
Ok so now I have an updated question. I got an estimate from the other driver's insurance company, they are saying the damage is $360. This was just based on pictures I took which does not show full damage. I know that my auto body shop is going to charge a lot more because they said the entire bumper needs to be replaced and my sensors fixed. I'm not taking my car there till next week (they asked me to bring it in on Tuesday when it's a slower day for them) so I won't really know the cost of the damages until they look at it... so how am I supposed to file this within 10 days if I don't even know if the damage exceeds 1k?
My auto body says to never use the picture upload/assessment method. Instead, insist to have an adjuster come to the shop. Otherwise this happens where they dont assess the right damage then they end up having to put in revisions, etc.
Good luck.
Yeah how they estimate anything based on pictures? How can they know what structural damage there is?
Our front grill ALONE cost $1000 to replace.
Get the eff out of here with that.
|
| Posted 8/10/18 12:25 PM |
| |
|
| Pages: 1 [2] |
