Might be in the market again..
David...
04-10-2016, 07:23 PM
#522
Your Friendly Canadian
Join Date: Dec 2007
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I will never complain about insurance again.
04-11-2016, 10:20 AM
#523
Ex-OEM King
I must have missed that D!!! Did you keep that loaner truck extra time and end up getting hit with it???? 
Sorry man! I'm sure things are going to turn around and work out for the better in the end 
Don't feel too bad, you could be getting raped like I am at $888 a month for the Benz/Vette full coverage. F-In NJ!!!!!!
Sorry man! I'm sure things are going to turn around and work out for the better in the end Don't feel too bad, you could be getting raped like I am at $888 a month for the Benz/Vette full coverage. F-In NJ!!!!!!
04-11-2016, 12:26 PM
#528
Ex-OEM King
I don't live in downtown but I live ~10 miles outside of a major metropolitan area in a nice suburb.
Also, I just turned 30.
I get that he drives more exotic cars than I do but insurance shouldn't be more than 10x the cost unless he's got tickets and accidents all over.
registration here is a gongshow, it's based on age and base value of the car (guessing it's the same for your dad's friend) so the yearly registration fee goes down every year until 7 or 8 years of age when it gets to the minimum and stays there. So the tags for my Jeep are like ~$350ish while the tags for the S and Accord are ~$40 each.
I know a ton of people that register cars in Wisconsin if they can because they have a static registration fee no matter if you bought a Fiesta SE or a Bentley.
Also, I just turned 30.
registration here is a gongshow, it's based on age and base value of the car (guessing it's the same for your dad's friend) so the yearly registration fee goes down every year until 7 or 8 years of age when it gets to the minimum and stays there. So the tags for my Jeep are like ~$350ish while the tags for the S and Accord are ~$40 each.
I know a ton of people that register cars in Wisconsin if they can because they have a static registration fee no matter if you bought a Fiesta SE or a Bentley.
Last edited by SamDoe1; 04-11-2016 at 12:28 PM.
04-11-2016, 01:14 PM
#531
Ex-OEM King
04-11-2016, 01:46 PM
#534
Moderator
iTrader: (3)
04-11-2016, 01:55 PM
#535
Ex-OEM King
By the way, how's that house coming along? Any new projects? Haven't seen any updates in a long time!
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rockstar143 (04-11-2016)
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rockstar143 (04-11-2016)
04-11-2016, 03:20 PM
#537
9 mpg.
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I can't catch a f*cking break these days. Work's cut my hours in half since the hospital is now budgeting for a renovation (wish we were state-funded).
Long story short, I was pulling out of my parking spot when an older Mustang sped through the lot and hit my rear bumper. My car was already visibly out of the spot and I have 3 witnesses who can verify that the other driver was speeding. The kid panicked and asked not to get insurance involved and said he'd pay cash. I said that was fine since all I'd need to be 100% again is a re-spray on my rear bumper. Well, lo and behold I text him the quote the next day and he responds with "I'm contacting my insurance". I simply respond with a thumbs up emoji and think to myself that this is going nowhere and I'll just pay it out of pocket and let the kid slide.
Today I get a call from a number I didn't recognize so I didn't answer. I googled the number and found out that it was a local insurance company. It is my understanding that in CA, the vehicle backing out would be at fault under normal circumstances. However, my car was visible, loud as hell, and I have witnesses stating he was speeding when he hit me.
You guys have any tips before I start the process with my insurance company and what you guys would do in my situation? I just want to do my best to avoid getting screwed.
Thanks.
Edit: I called local PD and they said they would only come out if someone was injured. Yes, I understand I shouldn't have let him slide but I felt for the kid and gave him the benefit of doubt.
Edit-Edit: I have a video of the other party admitting fault but didn't get a clear view of his face. Shortly after admitting fault, his friend states "no dude, you're not supposed to admit shit like that here."
All this happens right when I finally have a buyer lined up to give me my full asking price..
Long story short, I was pulling out of my parking spot when an older Mustang sped through the lot and hit my rear bumper. My car was already visibly out of the spot and I have 3 witnesses who can verify that the other driver was speeding. The kid panicked and asked not to get insurance involved and said he'd pay cash. I said that was fine since all I'd need to be 100% again is a re-spray on my rear bumper. Well, lo and behold I text him the quote the next day and he responds with "I'm contacting my insurance". I simply respond with a thumbs up emoji and think to myself that this is going nowhere and I'll just pay it out of pocket and let the kid slide.
Today I get a call from a number I didn't recognize so I didn't answer. I googled the number and found out that it was a local insurance company. It is my understanding that in CA, the vehicle backing out would be at fault under normal circumstances. However, my car was visible, loud as hell, and I have witnesses stating he was speeding when he hit me.
You guys have any tips before I start the process with my insurance company and what you guys would do in my situation? I just want to do my best to avoid getting screwed.
Thanks.
Edit: I called local PD and they said they would only come out if someone was injured. Yes, I understand I shouldn't have let him slide but I felt for the kid and gave him the benefit of doubt.
Edit-Edit: I have a video of the other party admitting fault but didn't get a clear view of his face. Shortly after admitting fault, his friend states "no dude, you're not supposed to admit shit like that here."
All this happens right when I finally have a buyer lined up to give me my full asking price..
04-11-2016, 04:05 PM
#538
Team Owner
you should have known better, unless they gave you $3G in cash up front, never trust the "i will pay you first in cash crap after you get the estimate". been there done that. Now you have too.
CA is a no fault state, unless you have a police report, other wise the decision will be based on the insurance(s) with the information both of you provided.
With that being said, if i recall correctly, cars going straight would always have the right of way at least in CA. So regardless if he could see you or not, i think it will be an uphill for you. (unless he T boned you while you are backing up, that is another story)
There is nothing much you can do other than cooperate with your insurance and chances are your insurance will have to pay for the other guy's damage too.
Also not until recently, i have learned through experience that Insurance company does recongize text messages between the 2 parties as evidence. (so if you could have asked him on the spot to text you a statement that he hit you and he was willing to cover all the damages) you probably would have a better chance.
you drive a brand new car, why wouldn't you want to go through the insurance.
CA is a no fault state, unless you have a police report, other wise the decision will be based on the insurance(s) with the information both of you provided.
With that being said, if i recall correctly, cars going straight would always have the right of way at least in CA. So regardless if he could see you or not, i think it will be an uphill for you. (unless he T boned you while you are backing up, that is another story)
There is nothing much you can do other than cooperate with your insurance and chances are your insurance will have to pay for the other guy's damage too.
Also not until recently, i have learned through experience that Insurance company does recongize text messages between the 2 parties as evidence. (so if you could have asked him on the spot to text you a statement that he hit you and he was willing to cover all the damages) you probably would have a better chance.
you drive a brand new car, why wouldn't you want to go through the insurance.
Last edited by oonowindoo; 04-11-2016 at 04:09 PM.
04-11-2016, 04:13 PM
#540
Team Owner
So pictures, statement, the other driver's info, how you describe the incident and how soon you contact you own insurance whether it is your fault or not will determine if the other driver could make up stories and bite you in the ass later.
Last edited by oonowindoo; 04-11-2016 at 04:20 PM.
04-11-2016, 04:56 PM
#542
AZ O.G NoOldManVetteOwner
That sucks man. But, everything happens for a reason.
I personally would never leave the scene of an accident without a police report, but looks like CA is different.
Good luck with everything brother.
I personally would never leave the scene of an accident without a police report, but looks like CA is different.
Good luck with everything brother.
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D's Up (04-11-2016)
04-11-2016, 05:10 PM
#544
Team Owner
Trying to think if there is anything good in CA... pretty hard.
House, gas and everything is more expensive
High in Sales and income tax
Red tapes and idiotic policies to drive business away
everywhere is far away
Public transportation is next to nothing (socal)
Traffic is one of the worst
LAX is probably the worst metropolitan International Airport i have seen.
Soon people who flip burgers will make $15/hr and college graduate will still make $16/hr
I don't know man. Why am i here?
04-11-2016, 05:30 PM
#546
9 mpg.
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you should have known better, unless they gave you $3G in cash up front, never trust the "i will pay you first in cash crap after you get the estimate". been there done that. Now you have too.
CA is a no fault state, unless you have a police report, other wise the decision will be based on the insurance(s) with the information both of you provided.
With that being said, if i recall correctly, cars going straight would always have the right of way at least in CA. So regardless if he could see you or not, i think it will be an uphill for you. (unless he T boned you while you are backing up, that is another story)
There is nothing much you can do other than cooperate with your insurance and chances are your insurance will have to pay for the other guy's damage too.
Also not until recently, i have learned through experience that Insurance company does recongize text messages between the 2 parties as evidence. (so if you could have asked him on the spot to text you a statement that he hit you and he was willing to cover all the damages) you probably would have a better chance.
you drive a brand new car, why wouldn't you want to go through the insurance.
CA is a no fault state, unless you have a police report, other wise the decision will be based on the insurance(s) with the information both of you provided.
With that being said, if i recall correctly, cars going straight would always have the right of way at least in CA. So regardless if he could see you or not, i think it will be an uphill for you. (unless he T boned you while you are backing up, that is another story)
There is nothing much you can do other than cooperate with your insurance and chances are your insurance will have to pay for the other guy's damage too.
Also not until recently, i have learned through experience that Insurance company does recongize text messages between the 2 parties as evidence. (so if you could have asked him on the spot to text you a statement that he hit you and he was willing to cover all the damages) you probably would have a better chance.
you drive a brand new car, why wouldn't you want to go through the insurance.
yah but sometimes the CHP would refuse to come out unless someone is injured. By sometimes i mean most of the time.
So pictures, statement, the other driver's info, how you describe the incident and how soon you contact you own insurance whether it is your fault or not will determine if the other driver could make up stories and bite you in the ass later.
So pictures, statement, the other driver's info, how you describe the incident and how soon you contact you own insurance whether it is your fault or not will determine if the other driver could make up stories and bite you in the ass later.
Bro, you're telling me.. Lol
While on the phone with Geico, I requested quotes for other vehicles as well. 03-04 Cobras range from $85-90/month depending on which year I get and an '08 C6 will be about $66/month for full coverage. Both options are much cheaper than my current $210/month for the 5.0 so at least I know that I have those two cars to fall back on if need be. Even if this counts against me, I can't see my quotes increasing more than $50/month.
04-11-2016, 05:40 PM
#547
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Here's the video. Unfortunately my buddy didn't get his face. His friend decided to speak up after the other party already agreed to being at fault. Will this help me at all?
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D's Up (04-11-2016)
04-11-2016, 06:39 PM
#551
Team Owner
Honestly, I just gave the kid the benefit of doubt and figured he'd stick to his word. Figured I could try having some faith in people but after this, F that. Plus my rear bumper just needs a respray and some dings taken out.
Yeah, PD didn't want to come out unless someone was injured and pretty much told me good luck. How should I word this to my insurance?
Unfortunately PD didn't want to come out. :/
Bro, you're telling me.. Lol
CA sure is different. Can't say that's a good thing either. I was on the phone with my insurance and got them to lower my rate again from $260-270ish/month to just under $210/month but I still haven't reported this incident. I'm just weary of how to report it to make sure I give myself the least chance possible of getting screwed.
While on the phone with Geico, I requested quotes for other vehicles as well. 03-04 Cobras range from $85-90/month depending on which year I get and an '08 C6 will be about $66/month for full coverage. Both options are much cheaper than my current $210/month for the 5.0 so at least I know that I have those two cars to fall back on if need be. Even if this counts against me, I can't see my quotes increasing more than $50/month.
Yeah, PD didn't want to come out unless someone was injured and pretty much told me good luck. How should I word this to my insurance?
Unfortunately PD didn't want to come out. :/
Bro, you're telling me.. Lol
CA sure is different. Can't say that's a good thing either. I was on the phone with my insurance and got them to lower my rate again from $260-270ish/month to just under $210/month but I still haven't reported this incident. I'm just weary of how to report it to make sure I give myself the least chance possible of getting screwed.
While on the phone with Geico, I requested quotes for other vehicles as well. 03-04 Cobras range from $85-90/month depending on which year I get and an '08 C6 will be about $66/month for full coverage. Both options are much cheaper than my current $210/month for the 5.0 so at least I know that I have those two cars to fall back on if need be. Even if this counts against me, I can't see my quotes increasing more than $50/month.
You just tell it as it is. Insurance here knows that police reports are not always available. Normally it is my words against his words unless there are witness but backing out vs. going straight is kinda hard to argue. Again unless he T bones you. If your damage is on your rear bumper, then I think you are out of luck.
Just let your insurance handle it from now on. Just hope the other driver does not make up more BS like his neck hurts and shit.
04-11-2016, 06:40 PM
#552
Team Owner
04-11-2016, 06:41 PM
#553
No police report? Just some witnesses who side with you and some fucking cocksucker claiming you were backing out when he accidentally hit you while he was buying flowers for his grandmother? 2 sides to the story and not calling the cops doesn't work in your favor, but it also doesn't work in his. "Not sure who this is or how you got this number but please don't contact me again".
Seems pretty simple to me...it never happened. Simple as that...cost of the bumper respray which you already had coming, and a lesson learned. Stop being nicer than the people you deal with.
Now...easy suggestion, deduct a bumper respray and an extra $200 for the hassle from your asking price and let the new guy deal with getting the car back to perfect while you get your financial legs back under you.
You've lived fast...now live within your means. Having no stress and money in the bank is almost as exhilirating as an 11 second quarter. For you YOLO generation...yes life goes by fast...but it's still really fucking long. When you're 40...have your house and hot wife and kids and THEN get your boosted C6 or C7 or Lambo or whatever.
That's my opinion and advice.
Seems pretty simple to me...it never happened. Simple as that...cost of the bumper respray which you already had coming, and a lesson learned. Stop being nicer than the people you deal with.
Now...easy suggestion, deduct a bumper respray and an extra $200 for the hassle from your asking price and let the new guy deal with getting the car back to perfect while you get your financial legs back under you.
You've lived fast...now live within your means. Having no stress and money in the bank is almost as exhilirating as an 11 second quarter. For you YOLO generation...yes life goes by fast...but it's still really fucking long. When you're 40...have your house and hot wife and kids and THEN get your boosted C6 or C7 or Lambo or whatever.
That's my opinion and advice.
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00TL-P3.2 (04-12-2016)
04-11-2016, 06:44 PM
#555
9 mpg.
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No police report? Just some witnesses who side with you and some fucking cocksucker claiming you were backing out when he accidentally hit you while he was buying flowers for his grandmother? 2 sides to the story and not calling the cops doesn't work in your favor, but it also doesn't work in his. "Not sure who this is or how you got this number but please don't contact me again".
Seems pretty simple to me...it never happened. Simple as that...cost of the bumper respray which you already had coming, and a lesson learned. Stop being nicer than the people you deal with.
Now...easy suggestion, deduct a bumper respray and an extra $200 for the hassle from your asking price and let the new guy deal with getting the car back to perfect while you get your financial legs back under you.
You've lived fast...now live within your means. Having no stress and money in the bank is almost as exhilirating as an 11 second quarter. For you YOLO generation...yes life goes by fast...but it's still really fucking long. When you're 40...have your house and hot wife and kids and THEN get your boosted C6 or C7 or Lambo or whatever.
That's my opinion and advice.
Seems pretty simple to me...it never happened. Simple as that...cost of the bumper respray which you already had coming, and a lesson learned. Stop being nicer than the people you deal with.
Now...easy suggestion, deduct a bumper respray and an extra $200 for the hassle from your asking price and let the new guy deal with getting the car back to perfect while you get your financial legs back under you.
You've lived fast...now live within your means. Having no stress and money in the bank is almost as exhilirating as an 11 second quarter. For you YOLO generation...yes life goes by fast...but it's still really fucking long. When you're 40...have your house and hot wife and kids and THEN get your boosted C6 or C7 or Lambo or whatever.
That's my opinion and advice.
04-11-2016, 06:46 PM
#557
when dealing with a douchebag...one must become one with the douchebag.
Maybe you'll have to pay...but do it $1 at a time for the next 2 years...and sometimes do it in pennies...and glue them to a piece of cardboard in the shape of a dick. Cut a hole in the cardboard where the guy can put his mouth up to to suck your dick of pennies.
just one idea. I have tons.
Maybe you'll have to pay...but do it $1 at a time for the next 2 years...and sometimes do it in pennies...and glue them to a piece of cardboard in the shape of a dick. Cut a hole in the cardboard where the guy can put his mouth up to to suck your dick of pennies.
just one idea. I have tons.
04-11-2016, 06:47 PM
#558
Team Owner
No police report? Just some witnesses who side with you and some fucking cocksucker claiming you were backing out when he accidentally hit you while he was buying flowers for his grandmother? 2 sides to the story and not calling the cops doesn't work in your favor, but it also doesn't work in his. "Not sure who this is or how you got this number but please don't contact me again".
Seems pretty simple to me...it never happened. Simple as that...cost of the bumper respray which you already had coming, and a lesson learned. Stop being nicer than the people you deal with.
Now...easy suggestion, deduct a bumper respray and an extra $200 for the hassle from your asking price and let the new guy deal with getting the car back to perfect while you get your financial legs back under you.
You've lived fast...now live within your means. Having no stress and money in the bank is almost as exhilirating as an 11 second quarter. For you YOLO generation...yes life goes by fast...but it's still really fucking long. When you're 40...have your house and hot wife and kids and THEN get your boosted C6 or C7 or Lambo or whatever.
That's my opinion and advice.
Seems pretty simple to me...it never happened. Simple as that...cost of the bumper respray which you already had coming, and a lesson learned. Stop being nicer than the people you deal with.
Now...easy suggestion, deduct a bumper respray and an extra $200 for the hassle from your asking price and let the new guy deal with getting the car back to perfect while you get your financial legs back under you.
You've lived fast...now live within your means. Having no stress and money in the bank is almost as exhilirating as an 11 second quarter. For you YOLO generation...yes life goes by fast...but it's still really fucking long. When you're 40...have your house and hot wife and kids and THEN get your boosted C6 or C7 or Lambo or whatever.
That's my opinion and advice.
04-11-2016, 06:50 PM
#559
Team Owner
as i said just let your insurance handle it at this point since his insurance is already involved and most likely already heard his side of the story.
you can't put too much time arguing that he was speeding because based on his damage, it is really not that bad.
just learn your lesson and the accident will be gone from your record in 3 years.
you can't put too much time arguing that he was speeding because based on his damage, it is really not that bad.
just learn your lesson and the accident will be gone from your record in 3 years.