[Matlock]

I will start by saying that I know I'm at fault. I made my report to ICBC and am fine with settling through ICBC.

Now, story time. (Haven't been on RS forever, but I would like to hear anyone's opinion)

So last Friday on my way to work at 6 am I'm driving behind this civic (2001-2005 generation). I found his driving to be kind of odd. He would slow down and then speed up constantly for the course of about 10 blocks.

Everything seemed fine, I was behind him on Earles St (Renfrew) and 29th, driving at about 40km and then he stomps on the brake and makes a sudden stop. I tried to stop, too but my bumper did touch his.

We got out of the car and I told him, "Sorry, I didn't expect you to make such a sudden stop." He said that he saw a cat.

Neither of us had passengers.

We exchanged information. He said the car belonged to his "girlfriend." I noticed that it was under pleasure insurance, I don't know if this actually affects anything.

I didn't notice any critical damage on either vehicle. I have a photo and there may have been small scratches if any, nothing really noticable, but I have no way of knowing if its from the collision. I am at fault, so that's fine I am willing to settle through ICBC.

The weekend goes by and this guy tells me he took it to a few body shops and they gave an estimate, not a quote, of $1000-1500. He says he is sore, but is still OK. He wants to settle outside of ICBC, because he would like to resell his car and doesn't want to depreciate it. He also tells me it will be cheaper for me.

Would such a small collision depreciate his car that much? I feel like he's trying to scam me. I don't care what it costs, within reason knowing that if anything it would be just bumper damage, I want to settle through ICBC.

The week goes by and today he messages me again, saying he got a real quote for $800 and recommends settling outside of ICBC. He also recommends this if I want to keep my insurance lower.

And now I am on RS, typing my story to you guys. Thank you so much for reading. I will update I promise.

Any opinions or tidbits of knowledge would be greatly appreciated.

[Fafine]

settle through icbc, as icbc gives you an option to pay for the damages. this way your insurance won't get raised.

[skiiipi]

settle through icbc, as icbc gives you an option to pay for the damages. this way your insurance won't get raised.

Definitely do this...

[smoothie.]

settle through icbc, maybe its not the first time theyve seen a cat.

[VR6GTI]

In most cases its cheaper to settle outside of ICBC, in this case its probably better to let it go through ICBC.

[H.Specter]

settle through icbc, as icbc gives you an option to pay for the damages. this way your insurance won't get raised.

Unless the other driver claims for injuries, then you will not have an option to pay back the damages.

[MarkyMark]

This dude sounds shady as fuck tell him no thanks and pay back icbc so your rates don't go up.

[MarkyMark]

Unless the other driver claims for injuries, then you will not have an option to pay back the damages.

Is this new? I swear I've heard that you could

[dachinesedude]

Is this new? I swear I've heard that you could

but why would you???

[MarkyMark]

but why would you???

Why would I pay back icbc so my rates don't go up? Feel like that's pretty obvious

[dachinesedude]

you would pay back for the medical bills? wouldnt underestimate how much those cost

[Great68]

If you don't settle through ICBC you have no protection from him turning around and just making his claim anyways.

I had a buddy that hit a guy in an old 70's pickup. Basically just bent the steel bumper a bit, the guy was like "give me $1500 and we'll call it even".

My buddy went through ICBC, and repair estimate was only like $500.

[fliptuner]

Go through ICBC:

-if there's no injury claim, pay it out and your premiums don't go up, chalk it up to a bad day
-if he claims injuries, they'll cover you ass cause you'd never want to pay for medical expenses
-your CRS is low enough that the difference in premiums is negligible

Settle privately:

-IF he's being 100% honest, at best, you save a few hundred dollars
-if he's scamming, he can try to sue you for injuries
-if you want to cover your ass, you'll have to get him to sign some sort of document that gets you off the hook from him coming after you in the future


The way I see it, why trust a stranger? You don't owe him anything. The risk/reward isn't worth it.

[kross9]

if you go through ICBC and have to option to pay the deductible to make to repair if it was very costly at the cost of your ICBC Premiums going up.

Or can go through ICBC and just pay it for ICBC like you would have settled out side of icbc without it affecting your premiums IIRC

[Nlkko]

icbc less headache later on.

[Matlock]

Thanks so much for the input.

So, I politely told him that I would like to settle through icbc and he wants me to explain why I wouldn't want to do it outside of icbc. He once again is going on about his depreciation.

All of this has been through text. BTW.

What should I tell him to stop babbling and just go through icbc? I don't want to piss him off too much, since he does have my address from my icbc papers.

To tell you the truth I don't care about his depreciation. While I am legally at fault and obliged to pay for any damages, I feel like he shouldn't have slammed the brakes so hard. In my honest opinion, preventing car accidents should be more important than any cat or squirrel that decides to go on the street. I also never saw any cat.

[IMASA]

Thanks so much for the input.


What should I tell him to stop babbling and just go through icbc?

I don't want to piss him off too much, since he does have my address from my icbc papers.



Just block the guy and deal with ICBC if you don't want to deal with the hassles.
You should have his papers and address as well, so it goes both ways.

[Inaii]

Sounds like the guy is scamming imo. Can Matlock tell ICBC this guy won't stop harassing him to settle outside of ICBC? Would it affect their decision on the claim at all? (I've never been in an accident while driving, so I'm legitimately curious)

[MarkyMark]

you would pay back for the medical bills? wouldnt underestimate how much those cost

My bad I read what he said wrong, thought he meant you can't pay back unless they claim injury lol

[Great68]

Thanks so much for the input.

So, I politely told him that I would like to settle through icbc and he wants me to explain why I wouldn't want to do it outside of icbc. He once again is going on about his depreciation.

All of this has been through text. BTW.

What should I tell him to stop babbling and just go through icbc? I don't want to piss him off too much, since he does have my address from my icbc papers.

To tell you the truth I don't care about his depreciation. While I am legally at fault and obliged to pay for any damages, I feel like he shouldn't have slammed the brakes so hard. In my honest opinion, preventing car accidents should be more important than any cat or squirrel that decides to go on the street. I also never saw any cat.

A repaint of a bumper is going to do fuck all to the car's overall depreciation. The guy is just being a twat.

[MarkyMark]

Worried about depreciation on a '01-05' civic where it's obviously under 2k in damages...yeah right buddy. Sounds like he wants cash and won't use it to fix his car.

[GGnoRE]

... Sounds like he wants cash and won't use it to fix his car.

So why not also use this to your advantage?

1. Ask to get quote together from an ICBC shop.
2. Offer to pay him 20% off the quote in cash.
3. If he refuses or is reluctant, ask him what the benefit is for you to settle outside of icbc in cash.
4. After some back and forth, negotiate down to 15% off the quote and say the offer is good for 48 hours.
5. If he accepts, video tape him signing a note saying you settled on the damages lol

In my opinion, if he doesn't give a shit about a few scratches and wants cash, he will accept. Good luck

[knight604]

Worried about depreciation of a civic?????? pls.

ignore his ass and just go through icbc.

[MarkyMark]

So why not also use this to your advantage?

1. Ask to get quote together from an ICBC shop.
2. Offer to pay him 20% off the quote in cash.
3. If he refuses or is reluctant, ask him what the benefit is for you to settle outside of icbc in cash.
4. After some back and forth, negotiate down to 15% off the quote and say the offer is good for 48 hours.
5. If he accepts, video tape him signing a note saying you settled on the damages lol

In my opinion, if he doesn't give a shit about a few scratches and wants cash, he will accept. Good luck

Sure if you know a way to get it done that will hold up in court so it doesn't bite you in the ass by all means. I'd need to save a lot more than 15% to bother.

[Truenosan]

Go through ICBC like others have said.

This sounds shady. HE was the one that got hit, and is not at fault, and doesn't want to go through insurance? He could be hiding something.

No point taking the risk.

[DragonChi]

This guy doesn't add up, and if he sounds like he's lying he probably is. In this case, I would protect yourself by going through ICBC and let this guy deal with his own problems.

He stomped on the brakes, you did everything in your power not to rear end him and he wants 1500 for scratches?

That sound legit to you?

[Soundy]

Yeah, it's maybe cheaper not to go through ICBC... until he goes to get it fixed and that $800 quote mysteriously turns back into $1500. And then $2500.

Something else to consider: even if you do go for the cash option, still make sure you report it to ICBC... otherwise he could take the cash and then claim hit-and-run, and you'd be double-screwed.

Also, ICBC doesn't care if you opt to deal with him directly even after you both file a claim. Your rates and his depreciation *snicker* are only affected if ICBC has to pay him out. If you want to do cash, tell him to take it to the claim center and get THEIR estimate... then work off that number.

[Mr.C]

Thanks so much for the input.

So, I politely told him that I would like to settle through icbc and he wants me to explain why I wouldn't want to do it outside of icbc. He once again is going on about his depreciation.

All of this has been through text. BTW.

What should I tell him to stop babbling and just go through icbc? I don't want to piss him off too much, since he does have my address from my icbc papers.

To tell you the truth I don't care about his depreciation. While I am legally at fault and obliged to pay for any damages, I feel like he shouldn't have slammed the brakes so hard. In my honest opinion, preventing car accidents should be more important than any cat or squirrel that decides to go on the street. I also never saw any cat.

Scammer. I would simply not reply, settle it through ICBC.

[MarkyMark]

If I had any thought in my mind that he did this on purpose i'd go through icbc and pay a few hundred more rather than let the prick get away with his little 'I saw a cat" scam.

[Matlock]

I talked to my wife and we agreed if you woul pay 500 and we can sign anything you want proving you payed for the accident. Just want to sell the car quick if not we can go through insurance just we will have to wait to sell car.

Wtf... He just texted me this. Now I am starting to doubt any damages that occurred... Icbc it is but, I'll keep you updated.

[Soundy]

Wtf... He just texted me this. Now I am starting to doubt any damages that occurred... Icbc it is but, I'll keep you updated.

He's probably afraid that if he takes it to ICBC, they won't find anything wrong with it, and he won't get squat.

Seriously, he's trying awfully hard to convince you to just fork over cash... methinks he doth protest too much.

[6o4allmotor]

Sound like a scam, inquire also about his pleasure insurance most likely trying to save a few bucks on that also

[dared3vil0]

What would worry me is if you go through ICBC, he claims injury, and then you can't repay the claim and your rates go up.

[ziggyx]

I doubt ICBC will let him claim injury on an accident involving just a scratched bumper.

[underscore]

If you could barely see the scratches I'd be suspicious of this guys claims, but I'm guessing he'd just pocket the cash and go buy one of the rear bumper covers I can find on car-part for $100. Or more likely, just leave it and go scam someone else.

[Mr.C]

I'd even be tempted to forward the texts to ICBC, really put the screws to him.

[swfk]

I'd do a free consultation with an accident injury lawyer at this point to see what your options are. Perhaps lowballing and getting video evidence of him signing and copies for both of you is a decent option.

[Special K]

Just go through ICBC.

If he is really injured, he won't tell you $1500 and call it even.
If it's only metal damage, then he just wants cash instead of fixing it.

Politely tell him you are going through ICBC for the protection of both parties. ICBC exist for a reason.


He probably has something to hide. E.g. From incorrect use of vehicle, to suspended license, to driving under influence, based on your story.

[VR6GTI]

I doubt ICBC will let him claim injury on an accident involving just a scratched bumper.

Doesn't matter how much damage is done. If someone makes an injury claim you cannot pay it out.

[Berzerker]

ICBC doesn't pay out for low speed rear enders anymore. He's looking for quick cash and hiding something. Go to ICBC for the luls and report back plz

Berz out.

[Doubl3_H]

From what you described, he could be just fishing for people to rear end him and get some quick cash.
Report to icbc, wouldn't be surprised if he had some kind of records with icbc.

[ziggyx]

Doesn't matter how much damage is done. If someone makes an injury claim you cannot pay it out.

I thought it was only if ICBC approves the injury claim, you can not pay it out.

I once rear ended a dude and it was like a 10 km/h accident. I talked to the adjuster when I reported the accident and discussed my options of paying it out since it was so minor I didn't want my insurance to go up. She told me I can pay it out as long as there is no injury claim pay outs.

fast forward I get a call from my adjuster and she mentioned the guy tried to claim an injury for such a small accident. He was denied the injury claim because it was considered a low speed impact. Therefore I was able to pay out the accident.

So when I said I doubt ICBC would approve his injury claim, I'm only speaking from what happened with my incident.

[Berzerker]

Exactly! It has to be a significant impact and even then "soft tissue damage" ie. Whiplash payouts are becoming few and far between.

Berz out.

[fliptuner]

I talked to my wife and we agreed if you woul pay 500 and we can sign anything you want proving you payed for the accident. Just want to sell the car quick if not we can go through insurance just we will have to wait to sell car.

Wtf... He just texted me this. Now I am starting to doubt any damages that occurred... Icbc it is but, I'll keep you updated.

"The sooner you contact ICBC, the sooner your car will get fixed. By the looks of the damage, it shouldn't take very long. I want this dealt with by the book and will not be communicating with you further. Contact ICBC."

[XplicitLuder]

also unless things have changed, he probably knows hes going to have to pay a bit.

when i got a hit n run on my bumper icbc was only going to cover the 20% of the bumper that got hit and i had to pay for the remaining 80% of it to basically have a brand new bumper.

Perhaps he's in the situation that while you may have done minor damage, he wants a new bumper or whatever but doesnt want to pay for the damages that were already on it.

I'd do as everyone say and just go through icbc and honestly stop responding to anything he says. If he wants this over with, he'll go to icbc and get it over it, if not he probably wants your $

[Suprarz666]

Go through with ICBC. Tell the guy he has the option of taking a payout from ICBC as well.

[nma]

Wtf... He just texted me this. Now I am starting to doubt any damages that occurred... Icbc it is but, I'll keep you updated.

Isn't this kinda obvious? The kid is low on cash, and needs some money. If you go through ICBC, they simply pay to fix his car. He doesn't give a shit about the scratch, he just wants $500..

What you could do is low ball him like $200 and have him sign documents. This way you'll definitely save some cash. Pretty much say this "If you want, I'll give you $200, or we settle through ICBC, your choice."
When you are signing documents have a witness there, and have the witness sign the stuff also (if you go this route).

Some might think the above is kind of scummy, but I also think it's scummy to do this to you and most likely cause an accident on purpose. Have to use scummy techniques vs scum bags unfortunately lol

[Inaii]

Just go through ICBC and tell them everything. If the guy has a history with them or of causing accidents, you might not have to pay anything at all. Just make sure you tell them about how he was driving before the accident happened and that he's pressuring you to settle outside ICBC for X amount of dollars.

[Eff-1]

I don't know this for a fact, but I bet you can both still settle privately after reporting to ICBC. The Civic driver informs his ICBC adjuster he has settled privately with you and there will be no further claim. Your ICBC adjuster will contact you to confirm this is the case. Both parties may still have to sign some paperwork, essentially closing the claim. Now you are protected from further action, and the driver gets his cash payment directly from you.

[twitchyzero]

this
if he was driving erratically he was probably already testing you out to see if you're a good scam victim.

settle through icbc, maybe its not the first time theyve seen a cat.

sounds like a lot of work :drunk:

So why not also use this to your advantage?

1. Ask to get quote together from an ICBC shop.
2. Offer to pay him 20% off the quote in cash.
3. If he refuses or is reluctant, ask him what the benefit is for you to settle outside of icbc in cash.
4. After some back and forth, negotiate down to 15% off the quote and say the offer is good for 48 hours.
5. If he accepts, video tape him signing a note saying you settled on the damages lol

In my opinion, if he doesn't give a shit about a few scratches and wants cash, he will accept. Good luck

[westopher]

Worried about depreciation of a civic?????? pls.

ignore his ass and just go through icbc.
Is it a 90s civic though? If it is then its probably a collector car. #lastofageneration #rawdrivingexperience

[FerrariEnzo]

If you want to take your chances and settle it privately, its up to you..

just remember that if they wants to screw you, he can.. he can take your money and then call ICBC and file the claim to get you to pay for the damages...

[Ferra]

just ignore his calls and txt
guy sounds so shady i've got a feeling he won't report the accident even if you don't pay him a cent...:fuckthatshit:

[SFU_wmc]

OP, please post up pictures + licence plate of the Civic in question so we can all avoid this douche on the road.

[bcrdukes]

Settle through ICBC.

Even if you decide to pay him directly, ICBC handles the deal and you are protected. All that will show up on your record is something like "External settlement" or something like that, followed by a zero-dollar amount.

It could be that this guy can't afford to have ICBC jack up his insurance, so, you will never know. Best to protect yourself and contact ICBC. By law, you have to any way.

[Evolutionian]

hmm, this is sounds sketchy, dont take risks, settle through ICBC, at least that way ICBC can protect you from stupid claims. In my first year driving, i rear ended some lady in a civic, same story, she made a suddent stop, claims that she saw a racoon or w/e, it was a slow bump, but she ends up claiming for "mental illness" ICBC told me to pay for her repair and they will help me get rid of all the other stuff cuz it was unreasonable.

[entrax]

for those saying that "it would be cheaper" as a "pro" for settling privately, that is not true.

the option to pay back icbc is precisely the same amount as what they would pay out to fix the damages. so the only way it would be cheaper for you to settle privately is if:
1) for some reason there is an injury claim (unlikely)
2) the guy wants to settle privately for less than the cost of repair.

basically bodyshop charges icbc. icbc charges you. not a cent difference.

[ScizzMoney]

^
Almost always cheaper to repair privately. The amount of things you can get ICBC to pay for that someone wouldn't pay for themselves is quite astounding. I'd still rather go through ICBC in this scenario though.

[Soundy]

It could be that this guy can't afford to have ICBC jack up his insurance, so, you will never know.
The only way that would happen is if ICBC decided it was the other guy's fault >25%. That almost never happens when you're the one rear-ended.

[vantrip]

for those saying that "it would be cheaper" as a "pro" for settling privately, that is not true.

basically bodyshop charges icbc. icbc charges you. not a cent difference.

LOL not exactly, a shop quoted me bumper fix $400 and then billed ICBC $1200 for the same thing

[SFU_wmc]

OP, any updates?

[BrRsn]

there is but one solution, young padawan

https://youtu.be/t9lU6uPsmc0?t=19


fuck his wife
long dick style

[fliptuner]

And now I am on RS, typing my story to you guys. Thank you so much for reading. I will update I promise.


https://www.youtube.com/watch?v=IkdmOVejUlI

[GLOW]

i would have done what my coworker did...gets a call to settle/do work outside icbc...coworker says "sorry i already called it in through icbc" (which he did) end of story...
now even if i didn't call it in it i'm going to say i did so i don't get harassed :lol