Mokorider
formerly nosepiker
- 816
- 155
- Joined
- Feb 10, 2006
Man.....I hate to post this on here, since it is a shoe forum, but I need some legal advice NT fam, if you guys can share some suggestions or opinions.
First of all, I will try to clarify this confusing situation as best as I can.
Last year in July, I was involved in an incident where I was picking up my parents from the airport and had to borrow my mom’s car for their luggage and for room to fit my mom and dad (at the time I was driving a 2 seater).
This took place in California, by the way.
Upon arriving at the terminal, I was approaching a bus that was stationed waiting for passengers. The traffic light was turning yellow and I was about to be stuck in between a crosswalk due to traffic and also arriving at the loading zone where my parents had instructed me to meet them at. In order to clear the crosswalk and traffic light, I had to station myself close behind a parked car that was also waiting in the loading zone which happened to be a Tesla Model Y. In order to have enough clearance from the ongoing traffic and crosswalk, I had to get myself close to the staged vehicle, which I did. Moments after I had parked and was giving my parents a call, the passenger approached me while I was parked and asked if I had just hit their car in which I stated that I didn’t. She then goes back inside their car and right as they move forward about 4-5ft, the driver gets out and approaches me telling me “I think you hit my car” and I repeated myself that I had already told the other lady that I had not touched the car. So she started getting really pushy, wanting my driver’s license and first pointing to damage on the passenger side and then pointing to a completely different damage on the drivers side, when the car I was driving (Toyota Celica) was a lot lower than what she was pointing at with white scratches. I refused a couple of times on giving her my driver’s license and I started to lose my cool, until I let her take a picture of my license so she wouldn’t report me with a hit and run after taking pics of the plates of the car. I kept telling her to file a police report with so many police patrolling the terminals and she said she didn’t have to. So me being eager to leave, I just let her take down the information she needed so I could leave the loading zone after I took pics of whatever damage she was pointing at and then at the exact position the vehicles were in and that there was no damage on my mom’s car shown.
A couple of weeks after I get notified from my mom’s insurance (Fred Loya) that there had been a claim submitted against me and if I was at fault and to describe the incident and also a bunch of questions for clarification in regards if permission was granted from my parents to drive the vehicle, damages, injuries, and such. Here’s the catch, I’m not a listed driver under my parent’s insurance, which is why Fred Loya dismissed it and that they wouldn’t cover.
This year in March, I received a letter from the Tesla driver’s insurance (USAA) that if I didn’t provide personal insurance coverage or personal information that I would have legal actions taken against me as far as suspension of my driver’s license if I didn’t respond back. So I give them a call and told them that throughout the whole time there was no information given to me as far as a claim number to follow up and that Fred Loya had told me that the claim was closed and even after USAA confirmed that the claim was dropped due to me not being covered under the insurance and that they would proceed and fix the damages of the “incident”.
I ended up giving them my personal insurance information (Mercury) in order to avoid any interruptions towards my driver’s license in which I contacted both insurances to be on the same page. Long story short, after both insurances made appointments for me to take the car for
measurements and pictures taken of the car at two body shops, my insurance responded back that they weren’t going to cover the “damages” because the car wasn’t registered to me. So I called USAA and told them I still wanted to dispute the claim because I was being accused falsely of pre existing damages when there was no contact made on both vehicles. This was in April, in which I also went ahead and forwarded them pictures I had the day of the incident which led to the claim going onto further investigation.
After calling USAA twice to get follow up details, I kept getting the same response that the investigation was still ongoing throughout the last couple of weeks. Fast forward to yesterday and I receive a letter from Wilber & Associates that they were handling the USAA claim and that their client is seeking reimbursement of $2960 and to either pay in full or set up a payment plan or else they would move forward to let the DMV know to suspend my driving privileges and license.
Lastly, I called both USAA and Wilber today, USAA told me that their notes still mentioned an ongoing investigation to which they asked me the whole situation to update their notes and expedite a response from the managers/supervisors handling the claim. Wilber basically told me there was nothing I could do to avoid collections, interruptions with my license unless I paid the full amount, start a payment plan, or come to an agreement of settling to pay $2100 and closing this claim because I’m being accused guilty due to not insured since neither insurance companies wanted to be held accountable.
This is frustrating because it’s been almost 2 months and I have not received any update from USAA with their final decision until I heard it from Wilber, the physical evidence, damages, and negligence of providing me with the video recording of the Tesla (if any), or pictures of the damages that they’re blaming me for, and also the other driver stated that it happened in a parking garage which her story does not match with what happened.
Now, I come here and post here to see what my options are because I am getting screwed and have no idea what to do and if to even trust what Wilber is saying to pay, without me having any evidence or proof and let alone any notice from USAA. I’m leaning towards paying the amount and ending this headache, but now I don’t know if this “accident” will be in my driving record if I pay it and close the claim. This truly sucks.
First of all, I will try to clarify this confusing situation as best as I can.
Last year in July, I was involved in an incident where I was picking up my parents from the airport and had to borrow my mom’s car for their luggage and for room to fit my mom and dad (at the time I was driving a 2 seater).
This took place in California, by the way.
Upon arriving at the terminal, I was approaching a bus that was stationed waiting for passengers. The traffic light was turning yellow and I was about to be stuck in between a crosswalk due to traffic and also arriving at the loading zone where my parents had instructed me to meet them at. In order to clear the crosswalk and traffic light, I had to station myself close behind a parked car that was also waiting in the loading zone which happened to be a Tesla Model Y. In order to have enough clearance from the ongoing traffic and crosswalk, I had to get myself close to the staged vehicle, which I did. Moments after I had parked and was giving my parents a call, the passenger approached me while I was parked and asked if I had just hit their car in which I stated that I didn’t. She then goes back inside their car and right as they move forward about 4-5ft, the driver gets out and approaches me telling me “I think you hit my car” and I repeated myself that I had already told the other lady that I had not touched the car. So she started getting really pushy, wanting my driver’s license and first pointing to damage on the passenger side and then pointing to a completely different damage on the drivers side, when the car I was driving (Toyota Celica) was a lot lower than what she was pointing at with white scratches. I refused a couple of times on giving her my driver’s license and I started to lose my cool, until I let her take a picture of my license so she wouldn’t report me with a hit and run after taking pics of the plates of the car. I kept telling her to file a police report with so many police patrolling the terminals and she said she didn’t have to. So me being eager to leave, I just let her take down the information she needed so I could leave the loading zone after I took pics of whatever damage she was pointing at and then at the exact position the vehicles were in and that there was no damage on my mom’s car shown.
A couple of weeks after I get notified from my mom’s insurance (Fred Loya) that there had been a claim submitted against me and if I was at fault and to describe the incident and also a bunch of questions for clarification in regards if permission was granted from my parents to drive the vehicle, damages, injuries, and such. Here’s the catch, I’m not a listed driver under my parent’s insurance, which is why Fred Loya dismissed it and that they wouldn’t cover.
This year in March, I received a letter from the Tesla driver’s insurance (USAA) that if I didn’t provide personal insurance coverage or personal information that I would have legal actions taken against me as far as suspension of my driver’s license if I didn’t respond back. So I give them a call and told them that throughout the whole time there was no information given to me as far as a claim number to follow up and that Fred Loya had told me that the claim was closed and even after USAA confirmed that the claim was dropped due to me not being covered under the insurance and that they would proceed and fix the damages of the “incident”.
I ended up giving them my personal insurance information (Mercury) in order to avoid any interruptions towards my driver’s license in which I contacted both insurances to be on the same page. Long story short, after both insurances made appointments for me to take the car for
measurements and pictures taken of the car at two body shops, my insurance responded back that they weren’t going to cover the “damages” because the car wasn’t registered to me. So I called USAA and told them I still wanted to dispute the claim because I was being accused falsely of pre existing damages when there was no contact made on both vehicles. This was in April, in which I also went ahead and forwarded them pictures I had the day of the incident which led to the claim going onto further investigation.
After calling USAA twice to get follow up details, I kept getting the same response that the investigation was still ongoing throughout the last couple of weeks. Fast forward to yesterday and I receive a letter from Wilber & Associates that they were handling the USAA claim and that their client is seeking reimbursement of $2960 and to either pay in full or set up a payment plan or else they would move forward to let the DMV know to suspend my driving privileges and license.
Lastly, I called both USAA and Wilber today, USAA told me that their notes still mentioned an ongoing investigation to which they asked me the whole situation to update their notes and expedite a response from the managers/supervisors handling the claim. Wilber basically told me there was nothing I could do to avoid collections, interruptions with my license unless I paid the full amount, start a payment plan, or come to an agreement of settling to pay $2100 and closing this claim because I’m being accused guilty due to not insured since neither insurance companies wanted to be held accountable.
This is frustrating because it’s been almost 2 months and I have not received any update from USAA with their final decision until I heard it from Wilber, the physical evidence, damages, and negligence of providing me with the video recording of the Tesla (if any), or pictures of the damages that they’re blaming me for, and also the other driver stated that it happened in a parking garage which her story does not match with what happened.
Now, I come here and post here to see what my options are because I am getting screwed and have no idea what to do and if to even trust what Wilber is saying to pay, without me having any evidence or proof and let alone any notice from USAA. I’m leaning towards paying the amount and ending this headache, but now I don’t know if this “accident” will be in my driving record if I pay it and close the claim. This truly sucks.
