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I got a question.

Ok... So if you remember, last week I was whining about this accident/insurance thing that's going on, where this dude backed in to me in the driveway. In speaking with his insurance company, it appears that they are going to try to assign some of the liability to me. I say balls to that, and I intend to tell them to stick it if they come after me.

My question is this: Let's say they decide I owe them $x (I don't know how much the damage is at this time) and let's say I believe I owe them $0, so I refuse to pay. Now let's say they decide they really really want it and they decide to try to get a collection agency on my ass or something. My question is this: Can my refusal to pay this alleged debt go on my credit report? Logic would say no, since this isn't a debt that I've agreed to. It's not like it's a loan or a line of credit that I've signed up to be responsible for. But, in the world of insurance agencies and credit reporting, logic does not always win. So does anyone out there KNOW FOR CERTAIN the answer. Please don't respond one way or the other if you *think* you know how it works, because I'm staking an otherwise stellar credit record on this and, depending on how much they think I owe them, I'm not really willing to ruin it over this, despite how much it burns my soul that they're trying to do this.

Yes, I realize that if they really want the money they can take me to court, and that's a whole other story.


( 12 comments — Leave a comment )
(Deleted comment)
Nov. 24th, 2003 05:18 pm (UTC)
Re: hey
wow, this thing is fast and evil.
(Deleted comment)
Nov. 24th, 2003 05:28 pm (UTC)
I've decided to leave my insurance company out of it for the moment. If I decide to just pit insurance company against insurance company, they they're likely to just decide on "equal negligence" which would mean I'm partially at fault and my insurance rates go up, despite the fact that I didn't do anything.
Nov. 25th, 2003 07:22 am (UTC)
I hate to say it, but if you want to leave your insurance company out of it, your best bet is to duke it out in court.
Nov. 24th, 2003 05:44 pm (UTC)
it will be an unpaid judgment against you and it will affect your rating.
Nov. 24th, 2003 05:45 pm (UTC)
But only if they win in court, right? If they were to win in court, I'd just pay what the judge says I owe them.
Nov. 24th, 2003 09:01 pm (UTC)
as far as i know, if it goes to court, it's already bad for you. susie's links tell more than i know...
Nov. 24th, 2003 05:57 pm (UTC)
I bet if you call Equifax they can answer your question.
Nov. 24th, 2003 05:57 pm (UTC)
Yeah. Good luck finding a phone number!
Nov. 24th, 2003 06:24 pm (UTC)
Equifax's request line is at 1-800-685-1111, they say that you can have a credit report sent to you and it will include a priority number. You might end up having to pay like $10 for a report, I guess. I seem to remember having at one point a number that was specifically for disputes, without any runaround, but I can't find it at the moment. Oh yeah, I was given it by my bank. You could also try Experian at 1-888-397-3742, or TransUnion at 1-800-888-4213.

Or you could go with the finger-crossing method.
Nov. 24th, 2003 06:32 pm (UTC)
i do believe i have a number for equifax at work if you'd like.

since i work in insurance, i'm not familiar with how they could collect from you outside filing a claim with your insurance.

if they do find you partially liable, unfortunately it could still affect you in the future even if you don't let your own company know. companies run what is called a CLUE (comprehensive loss underwriting evaluation) report, usually only for new customers. CLUE is a database shared by insurance companies that reports claims by vehicle id and by people. anytime a person or vehicle is listed on a claim, it will follow you on your CLUE. yeah, it sucks ass, but something to consider. it might affect you in the long run anyway, why not use your insurance company's lawyers to help you avoid that.

it's situations like these that make me not enjoy my line of work. insurance is meant to help indemnify someone in a situation they would otherwise not be able to take care of on their own. it's not for petty things and certainly not for false claims. unfortunately fraud is a huge reason why we have to charge more and more and why people hate us so much when they have a legitimate reason to use their insurance.

eh, don't mind me, i just had a long monday at work. i'll ask around tomorrow to see if i can find out anything about collecting from you personally.
Nov. 24th, 2003 06:42 pm (UTC)
google power
from: http://pub103.ezboard.com/fcreditmaniaforumscreditrepairforum.showMessage?topicID=755.topic

"Paying a judgment will not remove it from the public record. Paying a judgment will only cause it to be shown as having been paid and it will show up on your credit reports as "paid judgment" and that's just about as bad as an unpaid one. Some difference, sure, but not a lot."

Granted, that is just some non-lawyer yahoo, but also, this:

and from here: http://www.nashbar.org/NCRC.htm

"Protect your credit

When a court orders a judgment against you, credit-reporting agencies automatically add that judgment to your credit report. The judgment may remain on your credit report up to seven years and cause you difficulty when renting an apartment, buying a car or house, or doing anything that requires good credit. An agreed judgment may be less damaging to your credit than a judgment ordered against you by the court, and a private contract does not show up on your credit report at all."

Nov. 25th, 2003 05:27 am (UTC)
I think you should let Judge Judy decide for you...she don't play!
( 12 comments — Leave a comment )