Dream car gone

[s1k0]

Just got into my own dumbs accident, nice.


What happened was.. I was driving at approximately 50-55 MPH on a 50 MPH road. As I approached a green light, I decided to turn right ( I was dropping my passenger home). So as I was turning right at about 45-50 MPH, my turn ended up bigger with TC coming on and off. So as the car was turning I ended up hitting the "centre divider (the thing that divides a two way road. I came back down and went to the very right stopping and powering my engine off.

Called the cops and towing through On Star and had my car taken.

I have no Idea what to do they said they'd keep my car in their towing facility and drop it off in the morning at my dealer.

I have no idea what the insurance process and costs of fixing is nothing at all. I pretty damn shocked from my stupid mistake. I keep asking my self why I didn't get on the brakes and I still don't know why. I don't use my cell phone while driving. I had my passenger with my nothing that will distract me was on. No cars and I was not speeding no answer.

If anyone can help me out with this process and just explain to me whats going to happen.
Am I covered?

[ewynn9]

I think I understand what happened but what exactly did you hit to rip your wheel and rotor off?

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[SixGracing]

Thank God for pictures because I couldn't make sense of anything you said. Sorry..

If you have insurance, minus the deductible, you should be fine. Call your agent, that's the first step. Doesn't normally matter how or what happened, you should be covered. Your rates will probably go up if you file a claim. See what a body shop says about the repairs. Best thing to do if you can afford it, is pay the repair bill instead of filing a claim. A claim will stay in an insurance data base for 5 years (unless the claim is less than $3000). So anytime you do anything it will flag you and you'll get much higher rates. Insurance companies only want to take your money, not pay it out. So when they have to pay, they make you pay in the long run. Fun stuff and good luck!

[HookemHorns]

Can you please revise your post and explain it again?

[s1k0]

I filed a claim as soon as I went back home, they said the adjuster? will call me at 5?
How much do you think it's going to cost? How much is the insurance rate going to go up by?

What happened was.. I was driving at approximately 50-55 MPH on a 50 MPH road. As I approached a green light, I decided to turn right ( I was dropping my passenger home). So as I was turning right at about 45-50 MPH, my turn ended up bigger with TC coming on and off. So as the car was turning I ended up hitting the "centre divider (the thing that divides a two way road. I came back down and went to the very right stopping and powering my engine off.

[SixGracing]

There is no way to determine costs without inspecting the car to see what is damaged, bent, hidden damage etc.. Plus you should have a policy that shows what your deductibles and coverages are. You weren't getting RH were you? Don't tell the adjuster that.. ha!

[jdenotter]

Why on earth would u attempt to make a turn at 50 mph?

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[SixGracing]

If that center divider ripped your wheel off you hit it pretty hard. With what's probably bent underneath, the body damage, wheel, possibly the tire and suspension components I would not be surprised if you are in the $2K-$4K range.. Just a guess. If you use the insurance company, pay the deductible and the rest is on them..

[SixGracing]

Originally Posted by jdenotter

Why on earth would u attempt to make a turn at 50 mph?

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Because it's fun!

[s1k0]

I didn't attempt a turn at 50, I tried slowing down since it was a last minute dumbass decision. I didn't want to slam hard on my brakes. I have no idea why I didn't go on my brakes. I keep asking myself the same question but I don't have an answer for my self



I have a $500 collision deductible and $100 comprehensive.

[SixGracing]

Originally Posted by s1k0

I didn't attempt a turn at 50, I tried slowing down since it was a last minute dumbass decision. I didn't want to slam hard on my brakes. I have no idea why I didn't go on my brakes.

Whats an RH?

I have a $500 collision deductible and $100 comprehensive.

What is RH? I'll let someone else explain..

So worst case scenario, you pay all of the damages and don't worry about insurance claims or best case you pay the $500 and you're good to go. Best case in out of pocket expenses but again, plan on paying higher rates down the road.

[s1k0]

Don't think I can afford paying 2-4K, how much higher like from $400 higher?

[Daily Driver]

Sorry for the misfortune, glad you are alright.

[s1k0]

Originally Posted by Daily Driver

Sorry for the misfortune, glad you are alright.

Thank you.

[SixGracing]

Originally Posted by s1k0

Don't think I can afford paying 2-4K, how much higher like from $400 higher?

Depends on your driving record, age, and cost of the repairs. You're paying $400 every six months? Or ever month? I'm assuming every six months so sounds like you have pretty good rates as it is. You might see a 15-20% increase. That's a guess based on what happened to my rates when my wife got in a parking lot fender bender. So your $400 might turn into $450 to $500. Your agent can probably give you better answers.

[SixGracing]

Or tell them Toyota installed your brakes.

[joey0480]

you should be out of pocket your 500 deductible...then your insurance rates will go up next renewal...how much....I have no clue.

Get any tickets?

BTW...just be happy you are ok...car can be fixed

[s1k0]

I'm glad my passengers okay, I hope I can get it fixed ASAP.
Do you guys know what my options are if I want to replace fenders, springs and brakes?
Will I have the power to do that through insurance or will they pay for everything stock?
Well the cop walked around my car was like illegal,illegal,illegal,illegal to everything he saw pretty much, but no ticket was issued.

[joey0480]

Originally Posted by s1k0

I'm glad my passengers okay, I hope I can get it fixed ASAP.
Do you guys know what my options are if I want to replace fenders, springs and brakes?
Will I have the power to do that through insurance or will they pay for everything stock?
Well the cop walked around my car was like illegal,illegal,illegal,illegal to everything he saw pretty much, but no ticket was issued.

my understanding is it will be replaced with stock parts

[SixGracing]

Did you install the ZL-1 front end or do the 2012's come that way?

[mhood]

Originally Posted by s1k0

my turn ended up bigger with TC coming on and off.

Are you implicating TC in the accident? Sorry about the damage...at least you're insured.

[PittPaz]

Originally Posted by mhood

Are you implicating TC in the accident? Sorry about the damage...at least you're insured.

I thought the same thing when I read that. Sorry to hear you had an accident, but TC didn't cause it.

[Jamie Mac]

1. Get off Camaro5. Nobody here can properly answer your question
2. Call your insurance company and file a claim. The number for filing a claim should be on your insurance card
3. Get estimates and decide on a body shop. They will pretty much take over dealing with your insurance company
4.. Wait for your car to be fixed
5. Take the opportunity to learn from your mistake

[s1k0]

No TC had nothing to do with the accident, nor am I claiming that it had anything to do with the accident. Just mentioning that TC kept the car from spinning out as I turned.

Lol I installed it. It's been almost if not even a month with it on. (ZL1 Bumper)

Really? Why would I get off C5.. I'm just wondering if anyone has an answer they can feel free to post it.
Lol already taking the opportunity to learn from my mistake thanks for the heads up really lol.

[mhood]

Originally Posted by s1k0

Just mentioning that TC kept the car from spinning out as I turned.

Lol I installed it. It's been almost if not even a month with it on.

You installed TC?