Ask an Agent
Have a question? We're here to help.
Ask an agent for free

The person I hit wants me to pay out of pocket for damage

I rear ended someone. They did not want to call police or file with insurance but now they want me to pay them out of my pocket for the damage. I am 32 and have good insurance at the other girl said she already had a claim before or somebody hit her in the back so she did not want to file a claim. What do I do?

Jul 27, 2018 Riverview, FL

Author profile picture

Ava Lynch

Senior Analyst

  • Licensed Insurance Agent — Property and Casualty

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one…

There's a couple of things to think about here. Let's break it down below:  

  • First, most insurance companies require you to report all accidents, even when a claim is not filed. Check your policy specifications.
  • Next, the other driver cannot stop you from filing a claim with your insurance company nor can they force you to pay them out of pocket rather than handling it through your insurance company. However, there are times when this is a good idea. If the value of the damage is small, you can benefit in the long run by paying out of pocket. Unless you have some type of accident forgiveness in your policy, your insurance company will raise your rates for 3 years after an at-fault accident. In Florida, an at-fault accident raised rates an average of 34%, according to our 2021 State of Insurance data. Get an estimate for the repairs and see if the value of the damage is greater or less than the premium increase (37% for three years in addition to your deductible and regular premium).
  • If, however, it is simply easier for you to file a claim, you can find information on our guide to claims.

Good luck and if you have any further questions, don't hesitate to ask.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started. No phone number required.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Can you file a claim on behalf of the insured if they are deceased?

First of all, we're very sorry to hear about the passing of your mother. Our thoughts are with you and your family. As to your question, you mention that you're not the official executor of the estate. Do you know if there is an official executor? If you're in contact with the person…
May 20, 2022 Winter Park, FL

Can I file a claim with my insurance company if I've already paid for repairs to my vehicle?

Even if you have paid for the repairs on your vehicle, your insurance company should cover the damage you caused to the other driver if your policy was active at the time of the crash. I would recommend not paying the other party anything until you've contacted your company to start the claims…
Jul 14, 2017 Jacksonville, FL

Do I need a police report to file a claim with insurance if I damaged my own vehicle?

You do not need a police report to open a claim. Since it was a single-vehicle accident, you will be charged as at-fault if the claim is paid, which would result in a higher premium. I would get an estimate for the damage and see if it's worth filing a claim for, and possibly pay out-of-pocket…
Jan 16, 2020 Hillsboro, OH

Can a townhome be covered under an HO-6 insurance policy?

That depends on what parts of the property you are responsible for. If the townhouse shares walls and you are not responsible for the outside of the property but own the townhouse (like a condominium) then you qualify for an HO6. If you own the outside structure, you may need a regular homeowners p…
May 9, 2019 Miramar, FL