previous accident and new car insurance?
09-13-2005, 12:18 PM
#17
Registered User
Thread Starter
iTrader: (25)
Join Date: Jan 2005
Location: Kansas - BAIC 4 LIFE!
Posts: 12,775
Car Info: 04 Forester XT/96 Brighton Project
[QUOTE=RussB]well, if it happened in the rain, just print up this picture and send it to the insurance company...
hehe nice lol....i do recognize the accident as being my fault with little expierence in how to properly control an out of control car, im not disputing that...but for ***** sake like no one ever had an accident or almost has in the rain
hehe nice lol....i do recognize the accident as being my fault with little expierence in how to properly control an out of control car, im not disputing that...but for ***** sake like no one ever had an accident or almost has in the rain
09-13-2005, 12:39 PM
#18
Registered User
Join Date: Jun 2005
Posts: 437
The real culprit is the definition of an "at fault" accident. I was driving on I-5, when a car in front of me swerved into another lane, and I ran over an 18- wheeler wheel and tire laying in the road. Destroyed two rims on my girlfriend's Lexus. There was no way I could have seen it with the car in front of me (that swerved at the last minute), and yet I was surcharged for an "at-fault" accident.
To top it off, there I am, waiting on the side of the road for a tow-truck, and this other idiot who stopped comes up and asks me if it was my wheel/tire in the road. I told him, "Yeah, I rolled my fenders up to the roofline to accomodate that size tire on an ES-300."
To top it off, there I am, waiting on the side of the road for a tow-truck, and this other idiot who stopped comes up and asks me if it was my wheel/tire in the road. I told him, "Yeah, I rolled my fenders up to the roofline to accomodate that size tire on an ES-300."
09-13-2005, 01:38 PM
#19
VIP Member
iTrader: (2)
Join Date: Apr 2003
Location: pompous douchebag
Posts: 9,351
Car Info: $200,000 sports car
[QUOTE=maddhatteroo7]
lol, sorry. i wasn't implying that you couldn't drive, i was just making the old re92 joke.
Originally Posted by RussB
well, if it happened in the rain, just print up this picture and send it to the insurance company...
hehe nice lol....i do recognize the accident as being my fault with little expierence in how to properly control an out of control car, im not disputing that...but for ***** sake like no one ever had an accident or almost has in the rain
hehe nice lol....i do recognize the accident as being my fault with little expierence in how to properly control an out of control car, im not disputing that...but for ***** sake like no one ever had an accident or almost has in the rain
09-13-2005, 01:57 PM
#20
Registered User
Thread Starter
iTrader: (25)
Join Date: Jan 2005
Location: Kansas - BAIC 4 LIFE!
Posts: 12,775
Car Info: 04 Forester XT/96 Brighton Project
Originally Posted by RussB
lol, sorry. i wasn't implying that you couldn't drive, i was just making the old re92 joke.
i called up the insurance people today and they said they wouldnt know until the company comes to a decision if my rate would go up..i dont see why it would...im going to see if i can get back onto my parent's policy since its cheaper anyways....
09-13-2005, 04:54 PM
#21
Registered User
iTrader: (12)
Join Date: Nov 2002
Location: Reno, NV
Posts: 18,369
Car Info: 1993/2000/2001 GF4 mostly red
It will probably go up. Claim or not, there is a record of an accident that you will be fouund at fault for. However, if your rates are decent now, they probably won't be too much horribly higher when you renew.
09-13-2005, 09:46 PM
#23
Registered User
Thread Starter
iTrader: (25)
Join Date: Jan 2005
Location: Kansas - BAIC 4 LIFE!
Posts: 12,775
Car Info: 04 Forester XT/96 Brighton Project
i called them up and said what happened....i really dont see why they need to know, no one got hurt, i didnt make a claim, i walked away clean....i realize that i got into an accident, but i dont think i should be penalized for having an accident in the rain really.
09-14-2005, 02:53 AM
#24
Registered User
iTrader: (12)
Join Date: Nov 2002
Location: Reno, NV
Posts: 18,369
Car Info: 1993/2000/2001 GF4 mostly red
Originally Posted by maddhatteroo7
i realize that i got into an accident, but i dont think i should be penalized for having an accident in the rain really.
09-14-2005, 05:14 AM
#25
Registered User
Thread Starter
iTrader: (25)
Join Date: Jan 2005
Location: Kansas - BAIC 4 LIFE!
Posts: 12,775
Car Info: 04 Forester XT/96 Brighton Project
eh its like u being in an accident and getting rear-ended and it wasnt ur fault and still getting blamed for it...thats how it is in CA at least and is incredibly stupid
09-14-2005, 10:07 AM
#26
Registered User
Thread Starter
iTrader: (25)
Join Date: Jan 2005
Location: Kansas - BAIC 4 LIFE!
Posts: 12,775
Car Info: 04 Forester XT/96 Brighton Project
looks like i probably will be going back to AAA anyways, they are $388 cheaper than mercury insurance for myself. I would be under my parent's policy which isnt a big deal.
09-14-2005, 10:36 AM
#27
VIP Member
iTrader: (7)
Join Date: Jun 2003
Location: Funtown
Posts: 25,095
Car Info: A limousine with a chauffer
Originally Posted by maddhatteroo7
eh its like u being in an accident and getting rear-ended and it wasnt ur fault and still getting blamed for it...thats how it is in CA at least and is incredibly stupid
A: in your example, the driver who rear-ended you would be at fault unless you made a very irresponsible move and caused the other driver to hit you.
B: You caused the accident, thus you are at fault, thus your insurance company will consider you a higher liability.
09-14-2005, 10:41 AM
#28
Registered User
Thread Starter
iTrader: (25)
Join Date: Jan 2005
Location: Kansas - BAIC 4 LIFE!
Posts: 12,775
Car Info: 04 Forester XT/96 Brighton Project
Originally Posted by sonicsuby
no it's not.
A: in your example, the driver who rear-ended you would be at fault unless you made a very irresponsible move and caused the other driver to hit you.
B: You caused the accident, thus you are at fault, thus your insurance company will consider you a higher liability.
A: in your example, the driver who rear-ended you would be at fault unless you made a very irresponsible move and caused the other driver to hit you.
B: You caused the accident, thus you are at fault, thus your insurance company will consider you a higher liability.
09-14-2005, 10:52 AM
#29
Registered User
iTrader: (1)
Join Date: Oct 2003
Location: Vallejo
Posts: 2,191
Car Info: 05 LegacyGT,06 Black STI Will be home Soon
Originally Posted by sonicsuby
no it's not.
A: in your example, the driver who rear-ended you would be at fault unless you made a very irresponsible move and caused the other driver to hit you.
B: You caused the accident, thus you are at fault, thus your insurance company will consider you a higher liability.
A: in your example, the driver who rear-ended you would be at fault unless you made a very irresponsible move and caused the other driver to hit you.
B: You caused the accident, thus you are at fault, thus your insurance company will consider you a higher liability.
I think in Ca It doesn't matter what the person in front of you did, if you hit him it's your fault, I know this isnt right but that's the way ins companies and cops think.. They say you should have kept the 3 sec rule and drove safely. This happend to my sister just not that long ago and she agrued until red in the face.
Although she was alone and there was 3 in the car that cut her off so 3 against 1 worked in their favor.
GL on keeping the rates down I drive like a grandma these days. I've had my fair share of $300 a month ins for 3 cars
09-14-2005, 02:23 PM
#30
Registered User
Thread Starter
iTrader: (25)
Join Date: Jan 2005
Location: Kansas - BAIC 4 LIFE!
Posts: 12,775
Car Info: 04 Forester XT/96 Brighton Project
wow well i called AAA to see how much it was under my parents... 3458/yr...and i cant go under them anyways since the financing group (carmax) doesnt re-fi anyways, so i cant put his name on the registration to get AAA under them...but i also asked AAA how much it would be for JUST MYSELF for comprehensive/collision and its 2780!!! jesus christ its MUCH cheaper than my parents! and theyve had AAA for 28yrs w\no tickets or stuff in like forever lol