Two Accidents :( (Pictures).

[GangGreen]

Originally Posted by ELM2010

OMG.. people keep telling me I shouldn't get a red one because red cars get hit more often! I keep seeing accident pics of red Camaros... Of course, I did get a red one... uh-oh ....

anyway... sorry to see you got it twice.....

Thats no accident....

This is an accident!!!

[Alfieboy]

Originally Posted by Dboy23

Twice, both times not my fault, the first time I was on my way to school (quarter mile away) some dumb ass in a truck (Silverado I think?) swerved into me and than pulled into a side street and took off.

The second time I was in the middle lane and some dumb lady in an F250 had her side mirror folded in (not sure why) and hit me.

Both times police were called, didn't go through the insurance, both accidents together cost me $1,500 out of pocket, would have cost me $1,000 with the insurance (two $500 deductibles) but I'd rather not have my rates go up.

at least should have been through her INS company

[Alfieboy]

Originally Posted by bbardo

Sorry to inform, but if a police report was filed, your rates will be goingup anyway.

some offer accident forgiveness..lol


Havent tried it though & cant guarantee it.

[nemosgt]

Dboy23.

Two accidents within one year?
I don't want to be an prig and I know s--- happens but we have to be more careful. By your own admission there are dumb asses and dumb ladies out there. I agree that it's a zoo. We need to drive more defensively. Look further ahead, expect that people are going to do stupid things and prepare for the worst. In general be a little more cautious.

Hope all works out for you insurance wise.
Take care.

Cheers.

[Banshee]

Originally Posted by bbardo

Sorry to inform, but if a police report was filed, your rates will be goingup anyway.

Uh...

You can file small claims here in Michigan. Why didn't you? I had 2 accidents, both not my fault, both reported and filed. Your insurance rates in Michigan SHOULD NOT increase if you are not at fault.

How do I know?

I was in another accident January 6th this year. The Lodge freeway downtown was iced over real bad and everyone was traveling at 10-15 mph. A bus was in the right lane, 200 feet in front, I in the center, a truck in the left traveling at 30-40 mph. Truck passed, spun out, hit the bus and ended up in the center lane perfectly as if that accident didn't happened. Due to the ice and other cars around me, I chose to purposely hit the truck in front and not avoid as to prevent any damage to the right or left.

Anyhow, although I would technically be held at fault for rear ending a truck, that truck operator lost control due to excessive speed and was held responsible. My insurance company (State Farm) waived the deductable and although on my record, my insurance score was NOT affected.

Since I am quite knowledgable regarding insurance policies (family) and the fact I have been a police officer in Michigan for years disputes what most of you believe versus truth. People are only hurting themselves by not reporting if they are NOT at fault. I have had 3 not at fault accidents in the past 7 years. All 3 accidents I had no way out. If we are held liable, why am I only paying $69 a month for full coverage on my SS with a $500 deductable and $29 a month for my 05 Cavalier? AAA of Michigan insurance.

[Banshee]

I should have clarified..

If you have specific collision coverage and you are not at fault, you can sue the other party for the deductable paid out.

Typically, if the car is unoccupied and damaged, most insurance companies waive.

[MotorCityAgent]

Originally Posted by Dboy23

That's what my policy covers.

I'm not sure which is worse; you're luck, or insurance policy knowlegde/coverage!

[1sickss]

wtf

[wer2foxs]

Originally Posted by Rockmont

For some reason, that reminded me of a Rodney Dangerfield joke:
Originally Posted by Rodney Dangerfiled
My wife isn't very bright. The other day she was at the store, and just as she was heading for our car, someone stole it! I said, "Did you see the guy that did it?" She said, "No, but I got the license plate."

[sabrescamaro]

Sorry to hear it.

Yesterday, I was driving a C63 and my friend was driving the camaro, and we were being a bit of dicks and honking a lot and passing in the parking lane on a busy city street, and this woman didn't want to let me in, so she gunned it and hit the car in front of her (also my friend). His trailed hitch went through her little toyota's bumper, and I won't lie, I'm thrilled that it happened to her. She deserves it. Sorry about your accidents, though, I guess that you won't get in any more if you already got in two, eh?

[Dboy23]

Originally Posted by GangGreen

Thats no accident....

This is an accident!!!

Ouch, ouch, ouch, but seriously who debadges a Camaro?

[Dboy23]

Originally Posted by Alfieboy

at least should have been through her INS company

In Michigan there's something called no fault, which basically means each party's insurance fixes their own cars.

[Dboy23]

Originally Posted by nemosgt

Dboy23.

Two accidents within one year?
I don't want to be an prig and I know s--- happens but we have to be more careful. By your own admission there are dumb asses and dumb ladies out there. I agree that it's a zoo. We need to drive more defensively. Look further ahead, expect that people are going to do stupid things and prepare for the worst. In general be a little more cautious.

Hope all works out for you insurance wise.
Take care.

Cheers.

I am trust me, scared even when I switch lanes and I'm alone on the road now...

[Dboy23]

Originally Posted by Banshee

Uh...

You can file small claims here in Michigan. Why didn't you? I had 2 accidents, both not my fault, both reported and filed. Your insurance rates in Michigan SHOULD NOT increase if you are not at fault.

How do I know?

I was in another accident January 6th this year. The Lodge freeway downtown was iced over real bad and everyone was traveling at 10-15 mph. A bus was in the right lane, 200 feet in front, I in the center, a truck in the left traveling at 30-40 mph. Truck passed, spun out, hit the bus and ended up in the center lane perfectly as if that accident didn't happened. Due to the ice and other cars around me, I chose to purposely hit the truck in front and not avoid as to prevent any damage to the right or left.

Anyhow, although I would technically be held at fault for rear ending a truck, that truck operator lost control due to excessive speed and was held responsible. My insurance company (State Farm) waived the deductable and although on my record, my insurance score was NOT affected.

Since I am quite knowledgable regarding insurance policies (family) and the fact I have been a police officer in Michigan for years disputes what most of you believe versus truth. People are only hurting themselves by not reporting if they are NOT at fault. I have had 3 not at fault accidents in the past 7 years. All 3 accidents I had no way out. If we are held liable, why am I only paying $69 a month for full coverage on my SS with a $500 deductable and $29 a month for my 05 Cavalier? AAA of Michigan insurance.

I got a ticket for the second one because I was in the middle lane and I "should yield to traffic" even though I was completely stopped in the middle lane but whatever.