CRASH! BMW hits my C4- Questions at the end

It was a very nice day for a drive here in SE MI. I was on my way to pick up my daughter at a birthday party. I was drivin' 'bout 50 (the posted limit) and jammin' to The Psychodelic Furs (yeah, I'm an 80's
throwback). This BMW in front of me has his R turn signal on. I drop her in 3rd, still well back, and wait for him to start turning. He does start to turn right. I start to go around him.
Next thing I see out of the corner of my eye is a car coming at my passenger door side. The guy decided to turn left! Well, stopping would have done me no good. So I hit it and swung as far left as the two lane road will let me. I almost made it...He clipped the lower back part of the bumper as I was finishing the move. Just a tap. But it put me more or less sideways on the road squeelin.
I adjusted, She straightened out and I pulled over. After talkin' with the guy, he denies ever starting to turn right. Said he had his left signal on. Said I was careless, Said I could have killed him. Also, said all of this to the cop. I told the cop the same as this post. I knew damn well he wouldn't believe me.
He ended up saying the accident was my fault. Said that I was not allowed to pass at that spot. Said it was before the 'pass with care' sign. But, he did not give me a ticket. Said he wasn't there to know if the guy signaled wrong or not. This pissed the BMW guy right off. If you saw me in my bleached blond hair, old Seahawk jersey and pretty boy features, you would know why I was so surprised the cop didn't write me up and believe Mr. BMW 100%
Anyway, the damage to my car is a paint rub to the lower right of the bumper behind the back tire.
Questions -Cop gave me a police report number for insurance. Do I have to call it in? My deductable is like $500.00 or maybe more. I don't think it will cost that much.
-Any good tips on getting paint (or maybe tire rubber) off a white bumper.
Thanks - A rare poster OldSchool
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
Don't know about the rubber on the white paint, I'm sure someone else will comment. As for the insurance, DON'T REPORT IT. But then again if you were given a citation you're insurance Co. will find out about it; at least that's the way it works in OH.
wrote:

Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
If you got no ticket, I'd be tempted to not report it. BUT ...
The BMW guy just may turn it into your company if he has all your information and the accident report. He may well claim it was YOUR fault, like he did to the cop. So this boils down to how good of terms you are with your insurance agent. If good, go talk to him, tell him what happened, and tell him you don't plan to turn in a claim since it is such a small cost. He will be happy about that (no paperwork, no money out.) And see what he says about the possibility the guy may come back in a few days and try to claim against you.
If the BMW guy claims against you, and you have not informed them of the problem, your insurance will immediately assume you in the wrong. They may fight or they may settle in his behalf, depending on the amount the guy claims for, and odds are it will happen before you know. Then you will get the increase or the cancellation notice in the mail.
So be first up to bat on this. The best defense is a good offense.
This may be a bad time to mention it, but it is a very good reason to never do anything that seems reasonable, but puts you in the guilty spot if things go wrong. - Passing on the right behind left turners - if they straighten out, you are wrong. - Pull in the left (oncoming) lane - anything there becomes your fault. - Pull off the side of the road to avoid - if the other guy suddenly goes off the road and you hit, then you are at fault (sad but true).

Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
Michigan still has no fault insurance? Report it, "NOW", and tell them there was little or no damage to you, you never said if there was any damage to bmw. Keep your insurance company in the loop, and suck up a bit, can't hurt. He can come back and claim whiplash and take you for a ride. That may be the, pardon the pun, rub. Rubber comes off easy, light rubbing compound, autocross taught me that. Lived in SE Michigan for years and now live in NW Ohio, and insurance companies and cops do their own thing in both places, be up front and above all be first.
By the way, not all citations go back to your insurance companies in Ohio, only those that have an abundance of under paid and under worked police departments. My guess is that is why the was no citations issued, that way the cop don't have as much paper work unless some dope sues. As an example Toledo won't even make out a report unless there is a personal injury and/or over $1500 damage. Their estimating skills are based on how much work they want to avoid.
Dad
--
Life is a sexually transmitted condition that is always fatal.


"Tom in Missouri" < snipped-for-privacy@spam.com> wrote in message
  Click to see the full signature.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
Oops. The BMW had paint damage to his driver side front bumper and his reflecter was damaged. Honestly, he was waffling for so long on whether to call the cops or not, I was finally like, "I'm callin' the cops." Believe it or not, he did have his turn signal on for a R turn. He lied to the cop, straight up. He knew he was lying. That was hard to deal with.
Thanks for all of your comments. But I still think I should lay low. MI. has no fault. Is it wrong to not claim something that is minor? I wish I knew.
OldSchool
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
OldSchool wrote:

If the only damage had been to your car, i.e. bumped a light pole in the local stop & rob, that's one thing. The reason you have insurance - at least in states which mandate it - it to cover the other person's losses, not yours.
Read your policy, you're required in most policies to notify them of any potential loss. That's what this is, a potential loss as this prick in the BMW is not likely to fix his reflector, etc. out of his own pocket.
After all, it was all your fault, he had his left turn signal on the whole time <g>
Get thee to your insurance agent, explain what happened and sit back and wait for the other shoe to fall. I have a feeling that if you talk to him today you'll still beat the other guy by an hour or so.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
Is it wrong to not claim something that is minor?
The threshold varies by state and insurance company, but in Tennessee, if damage to ALL vehicles exceeds $200 a report ahs to be filed with the state. Sounds like you already did this by default when the police came. If the Bimmer dude lied about the turn signal, what's to say he won't have whip lash in another month or so? You KNOW how your head gets bounced around in those nasty side impacts - hardly scratched the paint, but I swear I almost broke my neck your honor.
If the Bimmer dude will sign a full and total release of any and all claims of whatever nature for whatever reason for any consequence stemming from the fender bender from now until the end of time, you might be okay not turning it in. My guess the guy is a liar but not stupid. He won't go for the release. If he won't, you need to get this turned in YESTERDAY.
Charlie

Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

bottom line ... the law is what the law is. if you break the law in question? you are wrong.
--
"Key"



Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

if the bmw guy tries to file a claim against your insurance? (sounds like he may) you may have wished you would have reported it?
my
--
"Key"



Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
'This BMW in front of me has his R turn signal on.'
Reply: Sometimes when the sun is bright, it can hit the lense and look like its flashing when it isnt by the driver.
Said that I was not allowed to pass at that spot. Said it was before the 'pass with care' sign. But, he did not give me a ticket.'
Reply: Good thing, cause it appears you were in the wrong for trying to get around him then.
'Any good tips on getting paint (or maybe tire rubber) off a white bumper.'
Reply: Theres a good product called 'Black Streak Remover' which RVers use. Works good. Available in Walmart for about $4. If that doesnt work, try a bit of carb cleaner and rub lightly. Wash it right away and put some wax on it.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

The proper procedure for making a left turn is to turn on your right signal, swing to the right, then go left. Being facitious, but how many times have you seen someone swing left before making that right turn -- the big SUVs do it all the time.

Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
---snip---

thats because they are trying to clear the corner. still doesn't make it the right thing to do. anyway, that procedure should not be nessassary in making a left turn.
my2
--
"Key"




Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
Sometimes when your right,your still wrong. It's easy to fall back on the car trying to pass if the other driver is dishonest about his part. I don't know how it is there ,but in N.Y. if a police report is made you have to notify insurance. Of course, you do not have to put a claim in though.:)

signal,
have
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

Related Threads

    Motorsforum.com is a website by car enthusiasts for car enthusiasts. It is not affiliated with any of the car or spare part manufacturers or car dealers discussed here. All logos and trade names are the property of their respective owners.