Need some advice. Today while stopped at a red light, somebody blew through it headed my way and an 08 expedition T-boned the car that ran the light. The expedition popped both its air bags and slid sideways through the intersection 90 degrees gently to rest against my front bumper.
The police arrived, took statements and pictures and then allowed me to move my truck backwards so they could get the wrecked expedition on a wrecker. It literally just kissed the bumper, and I have a 1" scratch in the paint. I have full coverage but the guy who ran the light and caused the accident probably does not (according to public repository he has 2 priors for being cited in accidents with no insurance along with 4 pages of other naughty things).
The cops gave me a report of the accident after taking my registration, insurance and driver's license information. It does not list anyone at fault, which I thought was odd. Anyway they said to call my insurance and give them that info. I'd really like to avoid getting an accident noted on a future car fax as I believe it hurts resale value. If I don't file a claim will it keep the vehicle accident history clean, or will the police report info make it onto a car fax? I'm gonna call the insurance agency tomorrow and see what they think but not sure how to broach that subject with them.
The police arrived, took statements and pictures and then allowed me to move my truck backwards so they could get the wrecked expedition on a wrecker. It literally just kissed the bumper, and I have a 1" scratch in the paint. I have full coverage but the guy who ran the light and caused the accident probably does not (according to public repository he has 2 priors for being cited in accidents with no insurance along with 4 pages of other naughty things).
The cops gave me a report of the accident after taking my registration, insurance and driver's license information. It does not list anyone at fault, which I thought was odd. Anyway they said to call my insurance and give them that info. I'd really like to avoid getting an accident noted on a future car fax as I believe it hurts resale value. If I don't file a claim will it keep the vehicle accident history clean, or will the police report info make it onto a car fax? I'm gonna call the insurance agency tomorrow and see what they think but not sure how to broach that subject with them.