I was outside with my wife and lady backed into my Mercedes. Damage wasn’t all too bad but car is wrapped so it needs to be re-wrapped. I got the other party’s info and lady’s husband said he will call his insurance and file a claim. I haven’t heard anything for 4 days from either the party or his insurance. How long should I realistically wait to call my insurance? We didn’t make a police report since damage was minimal and neither of us wanted it to be on our CarMax report.
Someone told me to wait 7 days and file a hit and run if they don’t respond but I don’t want to deal with that at all and get messy.
Keep waiting, right. Without the police report you have nothing now. If you file hit and run it will be on your insurance, hence your deductible. Call their insurance and file a claim. And also call yours and provide their info.
Just call their insurance company and file the claim. Considering that your car is leased (assuming it is), why would you care that it is on the Carfax? They can say that you hit their car because there is no police report.
I made this huge mistake on my first car. it was only a mazda 6 I paid $12k for back in 2008 but some old idiot tried to climb a snowbank and hit my rear bumper. I saw everything and let her go due to me not thinking it was much damage due to salt covering the car. After a car wash I had a huge scuff in the bumper. I will never be nice again when it comes to my cars
Carfax doesn’t need a police report to record an accident.
Insurance claim will eventually catch up with it anyways. Unless you settle with cash between private parties … that carfax ding will get you in due time.
#1 call the liable parties insurance company and file a claim. If the people that hit you already filed it will be an easy process. If they did not file the insurance company will need to reach them to get a statement.
#2 File with your own carrier and let them subrogate back to the other insurance company to recover the payout.
Personally I would start with #1. If you have any issues go to option #2. Hopefully you took pictures showing how the damage was done in case the person that hits you tries to deny responsibility.