Before I start, I would like to apologize if I say anything tha tmight not make sense...Im not too much of a car person...and I dont know my parts well...
Two days ago, I was leaving work and driving down 88th Ave in Surrey, when I rear-ended someone. It was about 3:50pm and rush hour was at its peak; obviously the pouring rain was of no help either. At the time, it was stop and go traffic and I might have been rolling at about 15km/hr.
Anyhow, when the other driver got out of her car, I realized that it was someone that works at my company, specifically the East Indian receptionist. I didn't want to go through ICBC, because the damage to her 98?? Integra was minimal and there was absolutely no damage to my car, a 2000 Honda Accord. What had happened was that the corner of my licence plate (which sticks out from the front bumper) punctured her aftermarket, fiberglass panel at the back.
Naive, as I was, I didn't take pictures of the damage at the time, because I thought that since we work together and we somewhat know eachother, she wouldn't screw me over.
The next day I drove to work, I checked out the damage to her car and noticed that she had taken pieces of the fibre glass panel out to create a bigger hole and the crack extending from the hole was much larger.
I immediately took out my digital camera and took some snap shots of it, in case she did any more damage. I have attached them below.
I then proceeded to ask her if she had received any quotes to repair the damage. She said she had and told me that it would cost me $980 because the whole panel had to be replaced AND because she had a custom paint job done. I asked her then if she could get it estimated at other body shops just to make sure and that perhaps, I could get a better price. She went on to tell me that her kit was installed at that place and that was where it was going to be fixed, no where else. In essence, she wouldn't allow me to get another estimate on it.
I got suspicious and called the autobody she wanted to get it done at and realized that it was owned and operated by East Indian people as well. For all I know, she could know them personally and they would obviously help her milk a new panel off me.
Then I decided that since she won't get it done anywhere else, to go get an estimate from ICBC. At least, that way its legitimate. She came to me asking me to sign some sheet stating that I was gonna pay for all the damages, then I told her that I first wanted to get an estimate through ICBC. She said fine and left.
Later that afternoon, she came back to me and told me that she was experiencing back pains and that she was going to go for an x-ray and that she might need physiotherapy and that she thought "she'd let me know".
I honestly couldn't believe it! Obviously it was so wrong for me to trust her in the first place. I guess she realized she couldn't milk me, so she decided to screw me over another way.
Anyway, I need advice now on what to do. I understand that in this case it is 100% my fault, which is why I was fully willing to pay for all the repairs outside of ICBC, but I believe that not only is she beind dishonest but really purposely trying to screw me over.
Basically I want to prove first of all the speed we were travelling at. Is the damage to her car and the damage to my car enough to prove that our speeds could not have exceeded 15-20km/hr?
Secondly, at the speeds that we were going at, what is the likelihood that one would experience back pains?--Take into account, she is a receptionist and that her back pains could be as a result of sitting in front of a computer 8 hours a day.
And lastly, does anyone have data or info on the impact fracture properties of fibreglass body kits?--specifically, I think, a 94 Integra Kit#24??--as in, how much speed or impact does it take to cause the crack her panel?
Does anyone have any experience with this?--or perhaps know others who have experienced the same situation?--and what was the outcome? Can the fact thats she's faking it be proven? What do ICBC adjusters look at in cases like this?