Call it in or not? WWPD

Smootchy

Cause it's slow and this is what I'm dealing with today:

Long story short, saturday night DH & I went out for a friends bday. Before we could even park the car a drunken AHole of All Aholes jumps out in front of the jeep and starts punching, kicking, body checking etc. There is about $1300 worth of damage (DH got an estimate yesterday) We have insurance and for vandalism it's a $100 ded. There was a police report made because the guy did this to 2 or 3 other cars after us and someone else called the cops. Drunken dumbAHole was arrested.

I called the insurance company to make the claim but I didn't have the incident report on me, they said no problem, call back with it. IF I "remember" to call back the insurance company will end up subrogating after this guy (also meaning I get my $100 back) IF I "forget" to call in the report number... The guy will probably just have to deal with drunken disorderly or whatever charges the cops took him on. (Not to mention the other vehicles he damaged) I pay $100 and insurance pays the rest.

On any other day I wouldn't really have a hesitation, of course make the guy pay for it. BUT I feel a very VERY small part in my heart for him because was at a funeral (of whom, I don't know) But was up at the bar drinking all day afterward. Part of me wants to press charges, go to court and just lecture him on what a total TOOL he was.  

littlestjerry

It sounds like he's got a criminal charge regardless of whether you show up or not, so I would definitely get your money from him if you can. Meaning, you're not gonna prevent him from having to plead guilty to the charge, so you might as well get the mon

RondackHiker

Little Jerry:

It sounds like he's got a criminal charge regardless of whether you show up or not, so I would definitely get your mo

shakes

HilarityEnsued:

I would call it in and make the guy pay.  I think you are very sweet to extend that compassion to him, bu

acaudill75

Let him tell it to the judge. Anyone that gets that crazy drunk needs help. Plus, why should you have to foot the $100?

missyishere

Little Jerry:

It sounds like he's got a criminal charge regardless of whether you show up or not, so I would definitely get yo

Luckie519

I am with mostly everyone else.  Call and get your money. 

I also think it is nice of you to give some compassion to the guy, but still, bad things happen all the time and we all still have to act like adults and do the right thing (fo

Smootchy

kiraliz2:

I would call it in probably. Would you personally have to go to court? That might be a total pain, and it might b

Fianschneid

I would call it in. I feel for his loss but it isn't your fault that he dealt with his sadness in a way that hurt others.

littlestjerry

chapski:

kiraliz2:</st

Smootchy

emkatrine:

Chaps, press charges. I didnt realize the damage was that bad. There's no excuse for acting like that. In fact, it sou

Smootchy

Little Jerry:

chapski:

Smootchy

HilarityEnsued:

Won't the insurance company go after him for the full amount of the damage?  Not just the $100?

RondackHiker

EllaHella:

HilarityEnsu

wiggyslilsis

I think Kiraliz said it best. People need to be held responsible for their shiitty actions. Also your insurance company shouldn't have to pay to fix your car when there is someone obviously responsible that should be paying.

Smootchy

ItsAllGravy7:

If there are no consequences to ridiculous dangerous behaviour people will never learn their lesson. Sometimes i

zeptattoo

Call it in.  

RondackHiker

Why should the insurance company pay instead of this guy?

MelissaRae1525

chapski:

kiraliz2:</strong

RondackHiker

ItsAllGravy7:

RondackHiker

Smootchy

mbenit4:

Filing an insurance claim is not the same thing as pressing criminal charges. If you wanted to press criminal char

gnomemom

You don't need to go to court for the insurance company to subrogate for the damages. Take it from someone who handles auto insurance claims and call to give them the police report number. It's not just your deductible at stake; its the entire cost of rep

Smootchy

Just a little update... I came across a fun little site to show who got arrested in my city. Yeah, this DB was arrested in july for domestic violence. I TOTALLY called the insurance and reported him.

I really felt bad. Ya know, I get death is

SuperTreesa

Call! As a former insurance adjuster, it's not just about your $100 deductible.

The insurance company will go after him for the whole amount of the damage including your deductible. This is what keeps insurance prices down. 

 

MrsT0514

Yep, I'm going to agree with most of the PPs here and say you should definitely, without a doubt, call it in. I admire your compassion for this guy's situation, but TBH, personal hardship doesn't give him carte blanche to damage someone else's property.