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Old 02-22-2010, 12:56 AM   #1
Bumble-T
 
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new member, camaro journey already over

well today my convertible camaro journey came to an end. i was driving down the road in my 2002 camaro and got hit by this guy with no insurance. basically my car is screwed, im screwed, hopefully this guy is screwed to! this guy was pulling out of a parkiing lot and didnt even see me coming, i mean how do you not A) hear my car, it has an exhaust on it and is pretty loud, and B) its bright red. like honestly, what is with people!!!! i just joined this site to and met alot of really helpful people so i would like to say thanks alot everyone for being so kind and welcoming me into the group, however, all good things must come to an end
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Old 02-22-2010, 01:00 AM   #2
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Ouch! Sorry to hear...

Did you call the cops?
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Old 02-22-2010, 01:03 AM   #3
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ya, the dude barely spoke english so they sat there trying to get info and he kept acting like he didnt no what the officer was saying, so my car got towed and im sure my bill will be so nice to see in the mail
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Old 02-22-2010, 01:04 AM   #4
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What about YOUR insurance? Liability only?
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Old 02-22-2010, 01:15 AM   #5
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What about YOUR insurance? Liability only?
unfortunatly, its my first car so i cant afford a car payment and the premium insurance for my camaro, plus put a nice chunk of my all my paychecks into a bucket for my new camaro.
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Old 02-22-2010, 01:23 AM   #6
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Damn. Well, down the road maybe I will work out.
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Old 02-22-2010, 08:13 AM   #7
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sorry to hear that, hope it all works out, but that life....screwed
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Old 02-22-2010, 08:43 AM   #8
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Old 02-22-2010, 08:47 AM   #9
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Well that sucks but you can't be mad at the other guy either for not having insurance as you don't have it either. Always have to protect yourself first cause no one else is going to do it for you. I feel for you but let this be a lesson as to why you shouldn't drive without insurance. I for one thinks it's bullshit that the state of Illinois doesn't require you to have insurance. In Michigan its against the law to drive and not have insurance, big tickets and fines for doing that. I hope everything works out for you.
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Old 02-22-2010, 08:48 AM   #10
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Well that sucks but you can't be mad at the other guy either for not having insurance as you don't have it either. Always have to protect yourself first cause no one else is going to do it for you. I feel for you but let this be a lesson as to why you shouldn't drive without insurance. I for one thinks it's bullshit that the state of Illinois doesn't require you to have insurance. In Michigan its against the law to drive and not have insurance, big tickets and fines for doing that. I hope everything works out for you.
He didn't say he didn't have insurance, he said he didn't have premium insurance.
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Old 02-22-2010, 08:50 AM   #11
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that sux
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Old 02-22-2010, 08:52 AM   #12
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Originally Posted by Bumble-T View Post
well today my convertible camaro journey came to an end. i was driving down the road in my 2002 camaro and got hit by this guy with no insurance. basically my car is screwed, im screwed, hopefully this guy is screwed to! this guy was pulling out of a parkiing lot and didnt even see me coming, i mean how do you not A) hear my car, it has an exhaust on it and is pretty loud, and B) its bright red. like honestly, what is with people!!!! i just joined this site to and met alot of really helpful people so i would like to say thanks alot everyone for being so kind and welcoming me into the group, however, all good things must come to an end
Get an estimate including towing and take him to court, even without insurance to cover it if he is at fault he is still liable to cover the damage to your car.
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Old 02-22-2010, 09:20 AM   #13
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yep, take him to court. And someobody on here mentioned sue him for X dollars in assets, not cash because the dude probably doesn't have much cash if he doesn't have insurance, but you may be able to get some assets...

Also, to the guy that commented about Illinois not requiring insurance... Illinois requires liability insurance only, but you don't have to have collision coverage. So the state minimum is either 25,000/50,000 or 20,000/40,000 I forgot which.

Hopefully you'll be able to keep saving up and get a newer Camaro in a few years. Don't give up!!! And try to make sure to put some extra pennies in the "insurance" bucket next time around because it'll happen again. Everybody gets into an accident, has their crap stolen, or experiences a natural disaster at least once in life. That's what insurance is for.
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Old 02-22-2010, 09:28 AM   #14
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Wait...how can you be making payments on a car and not have full coverage?
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Old 02-22-2010, 09:30 AM   #15
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Originally Posted by Madcat0911 View Post
He didn't say he didn't have insurance, he said he didn't have premium insurance.

Word. Op may not be paying enough on insurance to get payed off, but at least he is legal. You absolutely CAN blame the other driver for having no INS. He did not deserve to be on the road. I'm sensitive to this subject because where I live 1 in 3 don't have insurance. This is mostly due to a certain demographic of immigrants from the south. Several ppl close to me have been hit by no insurance and i just wanna say good luck. It sucks.
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Old 02-22-2010, 09:32 AM   #16
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Wait...how can you be making payments on a car and not have full coverage?

exacly - something sounds off.....Driving without liability insurance in 2010 is ridiculous
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Old 02-22-2010, 09:44 AM   #17
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Originally Posted by Bumble-T View Post
unfortunatly, its my first car so i cant afford a car payment and the premium insurance for my camaro, plus put a nice chunk of my all my paychecks into a bucket for my new camaro.
Hate to hear about your misfortune and hope you are able to get something out of the guy.

I have to say though that if you can't afford premium insurance on your 2002, you will be very hard pressed to afford it on a 2011 convertible. I may be out of line but it sounds like you are very young and insurance for young people is extremely high, especially for new, convertible sports cars.
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Old 02-22-2010, 10:01 AM   #18
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Originally Posted by ahart04 View Post
Word. Op may not be paying enough on insurance to get payed off, but at least he is legal. You absolutely CAN blame the other driver for having no INS. He did not deserve to be on the road. I'm sensitive to this subject because where I live 1 in 3 don't have insurance. This is mostly due to a certain demographic of immigrants from the south. Several ppl close to me have been hit by no insurance and i just wanna say good luck. It sucks.
Tell me about it... My dad had some idiot run a red light way after it turned red and crashed into my dads car taking the whole front part of his car off...the insurance the guy had was practically no help since we ended up paying for our rental and everything...he didn't even speak English...
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Old 02-22-2010, 10:49 AM   #19
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This was happening all the time last time I was in Miami, all kinds of people driving with no insurance.
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Old 02-22-2010, 11:01 AM   #20
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Originally Posted by ahart04 View Post
Word. Op may not be paying enough on insurance to get payed off, but at least he is legal. You absolutely CAN blame the other driver for having no INS. He did not deserve to be on the road. I'm sensitive to this subject because where I live 1 in 3 don't have insurance. This is mostly due to a certain demographic of immigrants from the south. Several ppl close to me have been hit by no insurance and i just wanna say good luck. It sucks.
This is a common problem around here. There is a large population of immigrants, some legal but many are not, that work in the mushroom farms for next to nothing. They pool their money to buy a old car, have no insurance, and quite often don't even change the registration. When in an accident it's fairly common to see them run off on foot with no record of who they are. If caught, they have no assets so you're stuck. That's part of the reason Uninsured Motorists coverage is mandatory here and it adds alot to your premium.
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Old 02-22-2010, 11:01 AM   #21
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Tell me about it... My dad had some idiot run a red light way after it turned red and crashed into my dads car taking the whole front part of his car off...the insurance the guy had was practically no help since we ended up paying for our rental and everything...he didn't even speak English...
it's up to you to get your benefits from your own insurance and then your insurance screws the other insurance to get their money back.
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Old 02-22-2010, 11:02 AM   #22
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exacly - something sounds off.....Driving without liability insurance in 2010 is ridiculous
He has liability only.
Quote:
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Wait...how can you be making payments on a car and not have full coverage?
Maybe his parents bought it and he's paying them back? My folks did that for my brother back in the day.
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Old 02-22-2010, 11:04 AM   #23
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This is a common problem around here. There is a large population of immigrants, some legal but many are not, that work in the mushroom farms for next to nothing. They pool their money to buy a old car, have no insurance, and quite often don't even change the registration. When in an accident it's fairly common to see them run off on foot with no record of who they are. If caught, they have no assets so you're stuck. That's part of the reason Uninsured Motorists coverage is mandatory here and it adds alot to your premium.
sounds like you should be blaming the farms/businesses that hire these people. im sure they wouldn't live in the area if they could not get jobs.
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Old 02-22-2010, 11:05 AM   #24
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I can't imagine IL not requiring you to carry uninsured motorist coverage, check your policy, and what kind of insurance company would not strongly encourage you to carry collision coverage on a 2010 Camaro.
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Old 02-22-2010, 11:56 AM   #25
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I can't imagine IL not requiring you to carry uninsured motorist coverage, check your policy, and what kind of insurance company would not strongly encourage you to carry collision coverage on a 2010 Camaro.
He said he drives a 2002.
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