Hey KFC, thanks for the concern!
The mechanic pointed out everything that was wrong....damages would be in-and-around $1700 - $2000!!!
So the lady told me that she doesn't have the money to pay for all the repairs and that she would go 50/50 with me. I told her that I am not paying for anything as it wasn't my fault. I then told her that I avoided hitting her and that I saved her from being seriously injured and that if she didn't want to pay that I am just going to go through insurance! She was strongly against that....she said that it would be the worst thing that I could do as it would hurt me financially..blah blah blah. Then I started thinking...why is she so adamant about not going through insurance? Anyhow I told her that I want to think about it during christmas/boxing day and that I would get back to her later on in the week.
As soon as she left the dealership I called my insurance and made a full report and claim. My insurace rep told me that I WOULD BE 100% AT FAULT as it would be classified as a single vehicle accident. I told her that I wasn't going to accept that as I prevented a major accident. She said that it will be hard to prove and that it would be easier to prove it I just hit her. She then said that she is going to launch a full investigation into it. She then asked me if the other lady reported it to her insurance, I told her that they other lady just wanted to do a cash deal and that she didn't want me to report it. So my insurace rep told me legally the lady has to report it as damage as it was more then $1000.00
Here is the golden rule....if MY insurance reports it to the lady's insurance before the lady does, then it will look like the lady is trying to hide it from her insurance (which was what she was trying to do). That will then put doubt on the other lady. My rep told me to leave it in her hand and she will work on it for me.
I got a last week from the insurance adjuster, and he said that he spoke to the cops insurance and they have found her 100% at fault for the accident! That means I pay nothing! My rates don't increase, I don't pay a deductible and I still maintain my accident free status!!! WOOHOO!!!
The lessons I learned:
Cops aren't above the law! Don't be affaid to take them on (legally).
The facts and the truth prevailed!
Ok so finally after 13days I got my Pat back from the dealership. She feels as good as new!
The repairs were:
1. Replaced Right Front Lower Control Arm Assy
2. Replaced Right Bearing
3. Replaced Right Inner Suspension Bolt
4. Replaced Right Outer Suspension Bolt
5. Replaced Right Sub Frame Bolt
6. Performed Alignment
