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post #1 of 23 (permalink) Old 04-25-2012, 09:17 AM Thread Starter
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CPD's new accident policy

I heard that in the past couple of years Chicago passed a law similar to this effect:

If you're in a car accident in Chicago with damage estimated to be less than $1,500, the police will not make a formal report and will ask the insurance companies of both parties to resolve the issue mutually.

I also heard that they will not intervene in an accident of same caliber if one of the drivers does not have car insurance.

Can anyone who has knowledge about this matter chime in?
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post #2 of 23 (permalink) Old 04-25-2012, 09:32 AM
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post #3 of 23 (permalink) Old 04-25-2012, 09:53 AM
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"i think the other guy is hurt"

what a Bullshit policy, especially the no insurance part

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post #4 of 23 (permalink) Old 04-25-2012, 09:56 AM Thread Starter
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Wasn't aware of this.

So what's the best thing to do if there is a minor bumper to bumper collision or a brush from the side?

How do you prove who's at fault if neither party wants to admit their mistake?

I feel that if an authority figure is on the spot, people will generally bullshit less and cops can usually make the right assessment in terms of who's fault it is.
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post #5 of 23 (permalink) Old 04-25-2012, 10:11 AM
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Cops have better things to do than worry about a scratch on your bumper. Take pictures of everything, get the other drivers info, and send it in to claims.

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Originally Posted by Loki047 View Post
As long as their tits are bigger than their dicks, im in.

-"You will meet your destiny on the road of avoidance."

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post #6 of 23 (permalink) Old 04-25-2012, 10:23 AM Thread Starter
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That's true, but the problem lies if the other guy at fault has no insurance. And these days many in the city don't.

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post #7 of 23 (permalink) Old 04-25-2012, 10:29 AM
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CPD actually has accident investigation places, so if you are involved in one of these, the two of you are to go there, stupid

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post #8 of 23 (permalink) Old 04-25-2012, 10:30 AM
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I thought its a $500 fine and impoundment in chicago for no insurance - so wtf a dude hits you, has no insurance which is state law to have it - the cops let him go when he has broken the law - your screwed?

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post #9 of 23 (permalink) Old 04-25-2012, 10:37 AM
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The cops are trying to avoid spending money on things they see as not worth their time or the cities money (what little of it actually exists). So if youre going to get hit find someone with a land rover or something else big and expensive and brake check them

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post #10 of 23 (permalink) Old 04-25-2012, 10:38 AM
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That's what uninsured motorist insurance is for. Sucks, but it's true.

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post #11 of 23 (permalink) Old 04-25-2012, 10:38 AM
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Quote:
Originally Posted by Derick View Post
CPD actually has accident investigation places, so if you are involved in one of these, the two of you are to go there, stupid

As if you could get an uninsured driver to actually do this ...




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post #12 of 23 (permalink) Old 04-25-2012, 10:53 AM
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Quote:
Originally Posted by BLARNEY View Post
As if you could get an uninsured driver to actually do this ...




Tom
Funny, i could see it now - OK man, i just wasted your rear end - ill follow you there - as dude turns a left and is gone forever!

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post #13 of 23 (permalink) Old 04-25-2012, 10:54 AM
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Quote:
Originally Posted by Gone In 3 View Post
That's true, but the problem lies if the other guy at fault has no insurance. And these days many in the city don't.
You still don't get anything from the motorist if the cop is there. Dude gets a ticket and you should have uninsured motorist ins.

Quote:
Originally Posted by Loki047 View Post
As long as their tits are bigger than their dicks, im in.

-"You will meet your destiny on the road of avoidance."

-"Yesterday is history, tomorrow is a mystery, and today is a gift. That is why we call it the present."

-"It's not considered premarital sex if you don't plan on getting married."
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post #14 of 23 (permalink) Old 04-25-2012, 10:55 AM
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Gone forever? You didn't write down his tag #?

Quote:
Originally Posted by Loki047 View Post
As long as their tits are bigger than their dicks, im in.

-"You will meet your destiny on the road of avoidance."

-"Yesterday is history, tomorrow is a mystery, and today is a gift. That is why we call it the present."

-"It's not considered premarital sex if you don't plan on getting married."
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post #15 of 23 (permalink) Old 04-25-2012, 11:02 AM
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Quote:
Originally Posted by trkyleg View Post
Gone forever? You didn't write down his tag #?
what if the sack has no plates?

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post #16 of 23 (permalink) Old 04-25-2012, 11:05 AM
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then you can report a hit and run for ins?

Quote:
Originally Posted by Loki047 View Post
As long as their tits are bigger than their dicks, im in.

-"You will meet your destiny on the road of avoidance."

-"Yesterday is history, tomorrow is a mystery, and today is a gift. That is why we call it the present."

-"It's not considered premarital sex if you don't plan on getting married."
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post #17 of 23 (permalink) Old 04-25-2012, 11:25 AM Thread Starter
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I wanna know what PolishPete thinks of this policy from a insurance agent's perspective.
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post #18 of 23 (permalink) Old 04-25-2012, 11:25 AM
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Quote:
Originally Posted by trkyleg View Post
Cops have better things to do than worry about a scratch on your bumper. Take pictures of everything, get the other drivers info, and send it in to claims.
Exactly. Liability is always an issue these days, but for < $1500 figure it out yourselves people. This combined with the minor drug offense policy recently passed, seems to indicate a trend in the right direction. Let the police do their job and leave the menial crap the the (supposed) adults involved.

Tom

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post #19 of 23 (permalink) Old 04-25-2012, 12:10 PM

 
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As far as I'm considered...it's a big issue. As far as the city is concerned...well they don't care.

Couple things come into play here:

First, in the event of a traffic accident with no serious injuries, where a car doesn't need to be towed, you're supposed to drive to the police station and fill out a report. Good luck having someone who just hit you drive to the police station and admit fault.

Second, police officers in Chicago are upset with the paycuts, and other problems with their retirement plans. Thus, they're taking it out on the city, by taking it out on citizens. That is, they're not working while at work because they're pissed at the city. This affects the people, and not the city. So...in the event you are in an accident, Police do not have to show up, and because they don't have to, they absolutely won't.

Third, I just had this situation with a client. He called me at 11:00 pm. Just got done with an accident, what do I do now type of thing. The other guy had no insurance, admited to him he didn't have insurance, had rear ended my client, about $5,000 damage to my clients car, but the car still drove. The CPD told him to let the other guy go, drive his car home, and call his insurance. So, he's got rear-end damage, no ID for the other guy, no plate #, nothing. Only thing we can do is put it in as an at-fault accident.

***If you are involved in an accident in Chicago. Get the other drivers info (name, address, phone number, drivers license #, insurance company, policy #, phone # for them), get their year/make/model, plate number, etc. Take pictures of your car, their car, and the scene of the accident around you. Get as much info as you can get documented so that when you put in a claim with your insurance, they can contact the other insurance, and try to work things out. This will be easy or hard depending on who the other insurance carrier is (good luck having a sub par carrier pay!).

Essentially, it seems that in Chicago, any accident, your fault or not, is almost your fault. (just like Michigan, where it's a no fault state).

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post #20 of 23 (permalink) Old 04-25-2012, 03:07 PM
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We have a similar policy here in Houston. The damage has to be less than $1000, both cars driveable, both parties have drivers license and insurance. If the accident meets that criteria we give both parties an accident form they fill out and send to the state. For stuff so minor it's a waste of time for police, just take pictures and exchange info. Let the insurance companies figure it out.

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post #21 of 23 (permalink) Old 04-25-2012, 04:11 PM
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You are still responsible for filing an accident report with the Police jurisdiction within (I believe) 24 hours of the accident. That's under State of Illinois law, and the Chicago Police will take these reports (and supply forms) at any district station.

The Chicago Police just do not respond to minor accidents by sending out a car.

Additionally to the info Pete told us to get, I always try to get the VIN number of the vehicles involved in accidents. That will at least trace to a title somewhere, and then you can at least have a chance of some recourse with the vehicle's owner.

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post #22 of 23 (permalink) Old 04-25-2012, 04:14 PM Thread Starter
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Quote:
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You are still responsible for filing an accident report with the Police jurisdiction within (I believe) 24 hours of the accident. .
48.

Good idea about getting the VIN.
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post #23 of 23 (permalink) Old 04-25-2012, 07:08 PM

 
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Good tip about the VIN!

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