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$%^&*#@ drivers

Posted By: DEFBOY35

$%^&*#@ drivers - 06/08/08 07:20 PM

well, got in a accident with the sporty yesterday!

coming up on some guy who had his hazard lights on he pulled over to the side of the road so as i went to pass by him he decide to do a u turn in front of me without looking!

damage done, drivers side turn signal smashed, broke a small chunk off of the factory bumper/rebar, bent it down a little and messed up the bumper mount a little.
the worst though, my tire having such good approach angle took the majority of the impact and pushed my control arms back far enough that my tire rubs the firewall bad when i try to turn left. also bumped the curb after with the passenger tire and now it is also rubbing slightly.

buddy did not seem to interested in giving me his information, but he gave me a phone number, which was apperantly his older brothers who started to threaten my life when i told him i needed his insurance information etc.

turns out it was a stolen car, so now it is being treated as a hit and run!


well, on the brite side last time i was in a accident insurance worked out pretty good for me and i got all my lift and tires and such for the truck. hopefully i will get enough this time to buy the rest of my parts i need to do my swap!
Posted By: Hydra747

Re: $%^&*#@ drivers - 06/08/08 08:07 PM

Just glad that you are not injured <img src="/forums/images/graemlins/kewl.gif" alt="" />
Posted By: Axe Man

Re: $%^&*#@ drivers - 06/08/08 08:34 PM

Glad you weren't hurt. But lesson for future reference. Never, EVER, allow a simple exchange of info or phone numbers after an accident. Contact the police and insist they show up to take a report.

Case in point. I witnessed some idiot back his Chevy pickup into the rear bumper of my parked Civic. I stopped him before he could take off. The rear bumper cover was cracked and popped out of the side. The driver wanted to just exchange info. He also stated he was a cop. I said "no dice" and I wanted a police report. So cops show up. Yep, they know him. But I insisted upon a police report. All info taken. Cops said in few days report would be ready. Turns out it took two weeks of bugging them to get it. Finally got it. I personally contacted HIS insurance company. He had no choice but to admit fault. His insurance pays me directly. I never had to contact or involve my insurance company.
Posted By: Iron

Re: $%^&*#@ drivers - 06/08/08 10:26 PM

Nice that it was a stolen car, and is being treated as a hit and run. Theres no way your insurance company can even try to pin any blame on you now! You should also not have to pay the deductable!
Posted By: bombardj1

Re: $%^&*#@ drivers - 06/09/08 01:39 AM

he stole the car, but gave you a #, the police can find the guy with that, unless it was a prepay phone, even with that they might.
Posted By: DEFBOY35

Re: $%^&*#@ drivers - 06/09/08 05:06 AM

well according to the oh so wonderful officer i talked to there is nothing they can do with the number because when she talked to whoever it was that answered the phone they did not co operate and then changed there story about even being in an accident and then said they did not know what she was talking about, etc..
she then told me they cant pull a warrant on the phone.

i dont believe that, but who knows.

oh yes, and apperantly they cant do anything about the death threats either. she then accused me saying that she believes there is more to the story than what i am telling her.... you know, thats why i am the one down at the cop shop trying to fill out a report and all that crap!
Posted By: bombardj1

Re: $%^&*#@ drivers - 06/09/08 03:44 PM

? did you use a cell phone when you called the number the first time ? if so it will be on your bill the # of monutes you talked. I would go back to the police station and asked to talked to a higher up. or even the investagation team, I hit and run with a stolen car is a matter a higher up might want to check out, so I would go over her head, and keeping going over heads until answers are made. well here in the USA they go after people who they think hit and run not just call #'s. If you would have called the police when it happened the guy would have bolted.
Posted By: DEFBOY35

Re: $%^&*#@ drivers - 06/09/08 04:46 PM

yeah, i know better to get all the info at the scene and everything. i was so pissed off at the moment i wasnt thinking proper, it took everything in me to not just drag the guy out of his car and pop him a few times for being so stupid.

oh well it is being dealt with now though.

one other good thing! I removed the airbag fuse a while back, so they didnt go off thank god, or the truck would be a rite off for sure!
Posted By: logansportage

Re: $%^&*#@ drivers - 06/09/08 06:27 PM

WOW! Glad you are OK and that the Sportage is not a total loss.

I'm replacing the upper control arms in my Sportage right now and the prices have gone up from $61 to $86 since January. I should have purchased them then.

Hope things go well and you can get it back on the road soon.

Logansportage <img src="/forums/images/graemlins/patriot.gif" alt="" />
Posted By: DEFBOY35

Re: $%^&*#@ drivers - 06/09/08 08:25 PM

yeah, just got off my phone with the insurance company, i will now be changing insurance companies!

if i claim it due to it being a hit and run, it will make my insurance go up, because i was in the vehicle when it happened.

looks like i will be going back to stock tires for a while so they dont rub the fire wall and just getting an alignment.

oh yes, and the officer i talked to today was much more useful and even said the other officer just wasnt doing her job. he is calling all the major cell phone carriers to get the registered user of the cell phones info. as long as it is not a pay and go phone everything should work out.
Posted By: homerdog

Re: $%^&*#@ drivers - 06/09/08 09:31 PM

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yeah, just got off my phone with the insurance company, i will now be changing insurance companies!

if i claim it due to it being a hit and run, it will make my insurance go up, because i was in the vehicle when it happened.



claim it and then switch
Posted By: logansportage

Re: $%^&*#@ drivers - 06/10/08 12:10 AM

That is BS! If you're hit and it's not your fault your insurance shouldn't go up. That is the second reason you have insurance. The main reason is so if you hit someone you don't have to fork out all the money.

Even if it's a hit and run and you are in the car, your rates should not go up. Keep calling them and tell them you want to talk to their supervisor until you get to a person that will do something for you.

If not, tell the person you are speaking to that keeps giving you crap you want to talk to the customer retention department because they are not helping you.

Logansportage <img src="/forums/images/graemlins/patriot.gif" alt="" />
Posted By: Calappoyas

Re: $%^&*#@ drivers - 06/10/08 02:22 AM

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yeah, just got off my phone with the insurance company, i will now be changing insurance companies!

if i claim it due to it being a hit and run, it will make my insurance go up, because i was in the vehicle when it happened.


They like saying that to keep you from claming. I filed a claim where it was totally my fault (bent my door backwards on a snow bank) Even after they said this to me I had no choice to file. Needed my commuter car for work. and they not only did they not raise my rates, but they filed it as a no-fault claim. your milage may very...
Posted By: Axe Man

Re: $%^&*#@ drivers - 06/10/08 02:45 AM

You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.

With the case I mentioned above with My Civic I never even informed my insurance company. I worked directly with the other parties insurance because it was clear he was at fault and the police report would reflect that. My Sportage was also rear ended by a gal with no license and driving a friend's car. She was handcuffed and put in the back of the police car. I did the same with this accident too. Obtained the police report and worked directly with the owner's insurance company. Never informed my insurance company. Got a nice fat check.

And I'll say it again. NEVER leave the scene of an accident without having the police show up and write a report.
Posted By: Iron

Re: $%^&*#@ drivers - 06/10/08 05:38 AM

Defboy, check with your insurance company, they can not hold you at fault if you were hit by a vehicle that was involved in a crime, or fleeing the police. And they can only raise your rates if you are at fault.

Since the gov't put a cap on insurance rates a few years back, the insurance companies will use any excuse to attempt to raise your rates. There is an Ombudsman you can contact to file a complaint. Once your insurance company is aware that the gov't is aware they are raising your rates, you may see your rate increase vanish!
Posted By: bombardj1

Re: $%^&*#@ drivers - 06/10/08 07:27 AM

my 2 cents, if any of you own a home carry as much insurance as you can afford, if you only carry the least ammount and you get in a accident and it's your fault and someone is hurt you many lose your home.
Posted By: Hydra747

Re: $%^&*#@ drivers - 06/10/08 10:39 AM

Good point John!

I think that we are talking Canada vs. US insurance laws though.... <img src="/forums/images/graemlins/cheers.gif" alt="" />
Posted By: logansportage

Re: $%^&*#@ drivers - 06/10/08 06:48 PM

Axe,

I see your point, but in this case because the involved party was in a stolen vehicle and left the seen of the accident without providing the required information or a police report being filed. Yes, insurance companies will find any way to move you from a “preferred” customer to something they can charge you more for, but there are bounds they have to stay within and since there was a crime involved here they can not charge more.

If you can get the person's name and information then you really need to. However, in the case of a hit and run it is next to impossible to get this information. In the case of a hit and run in a stolen vehicle it is almost impossible to get this information unless there is a witness or great CSI people involved. Sorry, really like the TV show. Not realistic all the time, but cool none the less.

The only hope in this case is for the investigator (police) to locate the person who has the cell phone, interrogate them until they cough up the information for person involved. Then their insurance if they have any can be contacted to report the claim to pay for the damage.

In the states we have something called Under Insured Motorist insurance. This is used for accidents where the person that hits another person does not have enough coverage to cover the damage done to the other vehicle or occupants. With vehicles costing as much as they do these days not to mention medical expenses, Liability only insurance is almost never enough to cover you. This is why Under Insured Motorist insurance is highly recommended. Costs a little extra, but saves your butt big time for cases like this.

Logansportage <img src="/forums/images/graemlins/patriot.gif" alt="" />
Posted By: homerdog

Re: $%^&*#@ drivers - 06/10/08 07:59 PM

Quote
You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.



Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.
Posted By: Axe Man

Re: $%^&*#@ drivers - 06/11/08 12:15 AM

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Quote
You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.



Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.


Correct. And as far as I know it's standard practice in all states.
Posted By: Iron

Re: $%^&*#@ drivers - 06/11/08 01:02 AM

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Quote
Quote
You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.



Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.


Correct. And as far as I know it's standard practice in all states.


But not in Alberta. Your insurance rates are determined by your driving recored, what type of car you drive, your age, married or not and where you live!

Your credit rating only affects what type of car you can afford to drive, or most recently what grade of gas you can afford!
Posted By: Calappoyas

Re: $%^&*#@ drivers - 06/11/08 02:06 AM

Quote
Quote
Quote
You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.



Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.


Correct. And as far as I know it's standard practice in all states.

Not here in Oregon. They get one free look at you credit report when you first sign on and of course they have to tell you they are. Some do, some don't. But, they can't go back at look again. Unless you ask them to.
Posted By: Hydra747

Re: $%^&*#@ drivers - 06/11/08 02:57 PM

Quote
Quote
Quote
Quote
You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.



Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.


Correct. And as far as I know it's standard practice in all states.

Not here in Oregon. They get one free look at you credit report when you first sign on and of course they have to tell you they are. Some do, some don't. But, they can't go back at look again. Unless you ask them to.



Same here in Texas...........
Posted By: Iron

Re: $%^&*#@ drivers - 06/12/08 05:41 AM

DEFBOY you really need a new insurance company!

My brother just got into a minor parking lot tussle, where the other driver fled the scene (brother has the plate # and witnesses). Had the other driver stuck around it would have been 50/50 blame, but since he fled and it is a hit a run, he is 100% at fault, so not only does he have a warrent out for fleeing the scene of a accident but he's on the hook for the full brunt of the insurance claim. This is direct from the insurance chicks mouth "your rates will not go up if you are involved in a hit and run where the other driver flees the scene, as fleeing the scene is taken as admission of guilt in the accident, your insurance will not be affected as it is the other drivers insurance company that will be paying out"

The only thing that might make your rates go up are if the same insurance comapny insures both drivers, then they might assign blame to both parties so they will both be on the hook for the deductable, so the company cost will be slightly less.
Posted By: logansportage

Re: $%^&*#@ drivers - 06/12/08 07:29 PM

Here they don't get to look at your credit score at all. The financial institution you use gets to so they can decide how much of an interest rate to pin on you, but the insurance company does not get to look at your credit score.

Logansportage <img src="/forums/images/graemlins/patriot.gif" alt="" />
Posted By: DEFBOY35

Re: $%^&*#@ drivers - 06/14/08 05:45 AM

thats the problem here mike, as it sits i have to claim it under my insurance company as there is no "other drivers" insurance company to go after. as it is still be investigated as a hit and run.

i hope they get him, because they are also charging him with uttering death threats, which here at least is a serious offense. i would hope it would be everywhere else as well.

currently the hit and run is the least of his worries if they get!
Posted By: Iron

Re: $%^&*#@ drivers - 06/14/08 03:35 PM

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thats the problem here mike, as it sits i have to claim it under my insurance company as there is no "other drivers" insurance company to go after. as it is still be investigated as a hit and run.


The car was stolen, right, so all damages done should be covered by the stolen cars owners insurance, unless it wasn't insured period!
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