If it wasn't reported to the police or to the insurance company, then it never happened as far as they know, so switching companies shouldn't be a problem. Now, if the other party decides to claim on their insurance for the accident (or on hers), then the insurance company is going to start asking her questions.

 

Get her to pay the $600 and have a lawyer draw up an agreement stating no further litigation will be possible after accepting the money to fix the car

:thumbup:

 

pay the 600, its that or getting screwed over by the other person reporting it.

 

Wait, you're actually thinking that there IS another option? This seems like a pretty bonehead decision to me....:screwy:

 

like everyone said, if the po-po never got involved (ie a police report was filed) or the either insurance company (her's and the camry's owner) was contacted...then she has nothing to worry about.
Her friend making the "triple" statement is correct, to a very MINUTE degree. Insurance will only go up IF both parties have reported the incident and it was found (though police report) that it was HER fault, then rates will go up. Usually, if it is a major accident, ie 1,000 or more in damages, you can expect to have high rates for quite a while. I, for one, know that insurance companies give points to certain type of accidents. the more damage done, the more points given. it takes about 2 years for the points to come off the record....so keep that in mind. REMEMBER, this scenerio is only used when insurance AND police are involved...which isn't your case.
Just suck it up...pay the 600 and when you give them the money, have them sign a piece of paper stating that no further money will be paid about the incident. Make sure you keep this in your files, just in case they decide to come up wiht some stupid @$$ charges.

Live, pay, and learn.....

 

lol who cares if she's 19 w/ an is300...those things are slow as molasses :rofl: and not even considered a "luxury" car.

anyway, since the driver's friend took down her insurance info, they will more than likely make an insurance claim though. Personally I think that is stupid, especially if your deductable is say, 500 bucks. Making pussy claims to your insurance company, even if it isn't your fault, pisses them off, but since they will be reporting to YOUR (her, I should say) insurance company, not only will she have to pocket out the 300 for hers, her insurance company will have to cover the 600 (assuming she has full coverage) and get a rate hike.

The ins. rate will most likely go up...especially if her parents aren't on the plan, she's 19, and has an IS.

Just tell her to tell her parents...they will find out eventually.

 

If it wasn't reported then there is no problem.

How are insurance agencies going to know about the accident.

She should just stay on her parents insurance. Insurance for a 19year old on a 300IS on their own policy is going to be insanely high.

 

yes but she's a girl, and we all know how girls get treated by ins. companies compared to guys

 

true girls insurance is much lower than guys but still she will be raped