Big Problem weighing on my conscience

[sensimilia47]

ALright so here is the story( by the way it is not related to weed so if this is what you reading for your not gonna find it here i just want some opinions and maybe some closure about the situation). Alright so i got my provisional liscense 2 weeks ago, and i am driving my sister's car (she is at college). I am driving home today and am sitting in traffic but i realize i am low on gas so i try and switch to the right lane to go to gas station thats to my right. While i am looking in my right mirror to switch lanes i take my foot off the brake and tap/hit the car in front of me. When this happens i am dumbfounded. So we both pull into a parking lot. I come out of my car and immediately start apoligizing my ass off for like 5 minutes. She says its not a big deal and we look at her car and there is virtually no damage (two pinhead sized white dots next to her plates) and none on my car. I keep apoligizing and she says that she prob won't call insurance since there is no damage and that "these things happen". I give her my insurance information and she writes down my policy number and name and I give her my cell phone number and tell her to call it if she wants to report a claim. She says that she prob won't but her neck feels a little wierd, and she just felt more comfortable having my information. Before she left i told her to please call my cell if she wants to report a claim so that i can tell my parents first. Then she leaves. In my stupidity i got NONE of her information because i was so shaken. See this wouldn't be that big of a deal if my insurance situation wasn't fucked up too. See my older sister has gotten in 3 accidents and the insurance is so high that if I even have an incident, i cannot drive for a long long time. This problem is weighing on my conscience heavily. I have no idea whether he is gonna call or not, or make a claim or complain of whiplash and sue me. The worse thing is that i have none of her information so I can't even contact her. The only sense of slight security I have is that she was kinda nice but i mean you can't really judge somebody in 5 minutes after an accident. This is killing me, i cannot stop thinking about it and i don't know whether or not i should tell my parents. See the thing is, even if she never calls me i will still be "waiting for the other shoe to drop" and wondering if hse is ever gonna do it. I don't know what i am going to do. Anybody please help me.

sensimilia47 Reviewed by sensimilia47 on 10-20-2006. Big Problem weighing on my conscience ALright so here is the story( by the way it is not related to weed so if this is what you reading for your not gonna find it here i just want some opinions and maybe some closure about the situation). Alright so i got my provisional liscense 2 weeks ago, and i am driving my sister's car (she is at college). I am driving home today and am sitting in traffic but i realize i am low on gas so i try and switch to the right lane to go to gas station thats to my right. While i am looking in my right Rating: 5

[4gan2ja0]

i dont think she'll call man, if it was onmly 2 small little holes she probably doesnt care.

[slipknotpsycho]

stop worrying about it, there's your help right there. just forget about it, it's out of your hands now.... whether she calls or not is up to her, so there's nothing you could possibly do... best thing is to just forget it, and hope it doesn't come creeping back in your life.... or you can sit there keep worrying about it and letting it cloud your mind if you really want to..

[sensimilia47]

yeah but the thing is the complaint of "pain in her neck" that is the classic bullshit story of figuratively fucking another person in the ass thorugh insurance prices

[birdgirl73]

Sensimilia, don't worry. She was simply keeping her options open and trying to bluff a bit, I expect, by even mentioning her neck. She's not going to sue you. You're a teenager. Teenagers aren't lucrative sources in civil litigation. Trust me here. Plaintiffs, lawyers, and insurance companies around the globe recognize this fact.

The only risk you're facing is of her making a claim against your insurance company. If, by some million-to-one shot she ever filed a plaintiff's action (lawsuit) in your direction, it'd be against your insurance company. THEY'RE the rich folks.

You'd better keep your fingers crossed that she doesn't call and file a claim or even make a simple report to both your insurance company and her own as an FYI. Be prepared that she might do that, however. That's fairly standard procedure for anyone who's had any sort of incident/accident. They'll then call you and ask you for your version of the story, and it should match hers. Just tell them straight out what happened. It's OK you apologized. You were the one at fault. That's not going to be in dispute. But if she files a claim for any damages to her car or any personal injury damages to her neck, then your insurance company may well raise your premiums and, if that's what your parents have promised, you won't be driving for a while.

Considering that this was a very tiny and minor accident, I doubt she's going to file a claim. I think you should try and chill and not borrow any extra trouble before you're actually facing it.

Did you learn anything out of this? There are three very simple answers to this question. One of them is for you to always keep your eyes on the road. The second is to make sure you stay calm enough after an incident that you don't forget your half of the give-me-your-info procedure. It's much harder to stay calm after actual accidents, too, but even more vital after those. And the third one is simply to get thorough information, including a car license tag, car model/descritpion, two valid phone numbers for the other person, a DL#, and the car's VIN# if it's not on the insurance info. A lot of people only get insurance info and then find out it's fake or not traceable to the driver, who might also be a fake or in a stolen car. Get the car description/tag/VIN, the driver's personal info, and the insurance information.

[make it legal]

Smoke a joint, man.

[Kilo0192]

Smoke a joint, man.

Yeah agreed ^^. Leave it to the fates There is nothing you can do now to change a thing so why fret about it? Smoke a fatty and remember shit happens...A lot. :dance:

[tootsie roll]

Go to which ever parent you are most comfortable with and tell them what happened.
The lady may have "seemed nice" at the time but her husband or whoever may see things differently and call the insurance company, if they haven't already.
Hopefully she won't make a claim but be prepared.
Talk to a parent, that way, they'll know and the whole thing will be off your shoulders.

[sensimilia47]

Thanks for the help. I am still going over four issues in my mind though. Number 1: should i tell my paretns and risk getting in a lot of trouble. Number 2: Do you think if she was gonna file a claim she would call me first (told her to do so as a favor to me) Number 3: Does anybody know the standard operating procedure for insurance companies? For example, do you know how soon they would contact me if she did in fact make a claim? Four: Do you think if she has not already called me then i am off the hook seeing as it was 5 o'clock yesterday. Thanks for all the input its really helping me out.

[sensimilia47]

Also, did i mention she said that she didn't think she needed to call the insurance companies and because what i did was "not a big deal in her words" i dunno i am still real scared.