Auto Insurance Claims: At-fault driver refuses to provide insurance information, own insurance, car rental agency


Question
A few days ago my neighbor reversed his Escalade into my 2008 Audi, causing around $2000 damage according to an informal estimate from an Audi-recommended body shop.  My car was parked and unoccupied on our shared driveway at the time of the accident.  He admitted blame and we agreed to exchange details via e-mail.  I sent my details but never received his.  I subsequently approached him and said I needed the information.  He said that he wanted to settle without involving insurance companies -- it seems he's concerned that he might lose his license for some reason -- and would not provide any details.  I've advised my insurance company, and they are going to see what they can do.  However I want to be sure that I have dotted the i's and crossed the t's in this matter so that I don't unintentionally forfeit any claim.  Can you offer any advice?  BTW I am located in Los Angeles.

Answer
Hi Grahame,

You will not forfeit any claim. If your neighbor wants to pay out of pocket that is ok. You should have your body shop do a detailed estimate. You should also ask them to tell you how long it will take to complete the repairs. Then call your local car rental agency to determine the cost of renting a car during the course of repairs. Then approach your neighbor and show him a copy of the estimate and the quote for the rental car and demand payment of that amount within 3 days or your will have no choice but to turn it over to your own insurance company who will pay the claim and then sue him for reimbursement plus court costs, attorney fees and interest.

I hope this helps
Richard Hixenbaugh