Ah that stinks on the insurance front. The car you hit didn't happen to be parked illegally?

Fight the surcharge at least. I did for my black ice incident a bit of a year ago and I had no issues. Accuweather lets you look up past weather and what the temps were every hour. I was able to show the magistrate the temp dropped 16degrees in hour with some rain just before and was well below freezing during the hour of my accident. She said OK and surcharge was removed.

I keep full coverage including collision on all my cars just for the off chance of something like this, not to mention my wife seems to be drawn to trees and telephone polls come winter.

I know when I hit black ice in Oct 2009 (yeah October) and punched in both corners of my Xterra I was happy I did or I was paying 7g out of my pocket to fix.

 

He won't have a surcharge since he won't be using insurance. No need to fight that.

 

I think I . If his insurance company pays property damage to repair the parked car he hit, he'll likely get surcharged. Surcharges apply to certain policy coverages, including, collision, bodily injury, and property damages.

Generally speaking if your carrier pays out any more than $500.01 on your behalf, for an at fault accident, a surcharge will apply.

Check with your agent, and if you do get a surcharge notice, file for a hearing.

 

I didn't see the part about him nailing a parked car. In this case, yes you will see a surcharge.

Sorry I did not fully read before commenting.

 

Mike...you coming to the pie party at Bill's?

Yeah, hitting those pesky parked cars can bite you in the A$$. My sis hit one about a year ago. Just scuffed up her bumper a bit, minor out of pocket repair, but the woman she hit had a bit more damage. It doesn't take long to get to $500.01 in body shop charges.

I'm not sure if she let the insurance company pay, or if she paid for the repair herself to avoid the surcharge.

 

I'd like to come to Bill's party, but I have a family Christmas down in CT that day.

 

 

Glad your OK

 

Surcharge will applied anything over $500.01, and I will fight for the surcharge. By the way, any recommendation for a good body shop in Boston. Thankx.