Auto Insurance Claims: I hit some one....had no insruance till later that day. No injuries. Texas, insurance fraud, claim insurance

Question
Hi.

First off let me say I am a foreign student in the USA.
I just got a car on 6th evening from a friend.
On 7th morning I took an appointment at insurance office to get my insurance.
I was driving there and I hit some one.
I havent seen the official report, I think it was my fault though. I got citation because it was his right of way not mine and I didnt see him. He didnt get one I think.
Cops told me I can get a copy of the report from the station later.

accident happend at 1200 pm and no injuires .

At 1245 i went to the insurance office and got liability.

But I dont want to commit insurance fraud with my insurance now.

I offered the guy to get the car fixed cheaper from mechanic I know.


Should I offer to get his car fixed and pay for it or wait for his insurance to claim it? He broke front left light, tire puncture, front left end smashed in. His car was camry model 2002-2006 not sure which exact year. mine is 97 model.

By the judge of the angle of hitting, his hood, bumper, tire, battery, spark plug case would need replacement. I can get all new online at $600-700 and pay my mechanic to do the work on his car.

But when I talk to the guy and asked him man please dont claim insurance, he only siad I dont know, maybe I will consider not doing it nothing sure.


I only have 2000 dollar in my account. I am in school I also have to pay fees. I am real worried. I can get his car fixed but if he claims insruance I dotn have money to pay him and I am a student.

What happens if I cant pay the money to insurance? Can they cut it down to like 50 or 100 dollars monthly?


I am thinking of selling my wrecked car for 600 dollars to get some money when I need to pay him.

I'd really appreciate your help...... I dont have money to hire lawyers or go to court....I have to finish my studies by next month or I dont get a job.....Please help!!


Any help appreciated.
thankyou.


Answer
Hi Ahmed,

Since the accident happened before you purchased insurance, your insurance will not pay for the accident. You should not make a claim on your insurance because that would be insurance fraud.

The other driver is not obligated to use your mechanic. He can go to the repair shop of his choice. You will be responsible for paying the cost of repairs as well as a rental car while his is in the shop.  If his insurance pays they will request reimbursement from you, however, you will be able to make monthly payment arrangements based on what you can afford.

I hope this helps
Richard Hixenbaugh