Dream car gone - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

s1k0 · 03-07-2012, 06:01 AM

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 · 03-07-2012, 06:09 AM

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

Sent from my SPH-D710 using Tapatalk

SixGracing · 03-07-2012, 06:13 AM

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 · 03-07-2012, 06:21 AM

Can you please revise your post and explain it again?

s1k0 · 03-07-2012, 06:37 AM

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 · 03-07-2012, 06:40 AM

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 · 03-07-2012, 06:42 AM

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

Sent from my DROID BIONIC using Tapatalk

SixGracing · 03-07-2012, 06:43 AM

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 · 03-07-2012, 06:44 AM

Quote:

Originally Posted by jdenotter

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

Sent from my DROID BIONIC using Tapatalk

Because it's fun!

s1k0 · 03-07-2012, 06:44 AM

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 · 03-07-2012, 06:45 AM

Quote:

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 · 03-07-2012, 06:48 AM

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

Daily Driver · 03-07-2012, 06:51 AM

Sorry for the misfortune, glad you are alright.

s1k0 · 03-07-2012, 06:51 AM

Quote:

Originally Posted by Daily Driver

Sorry for the misfortune, glad you are alright.

Thank you.

03-07-2012, 06:01 AM	#1
s1k0 Drives: Corvette C6 Join Date: Jun 2011 Location: SoCal San Diego Posts: 1,225 View My Garage	Dream car gone 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? Attached Images __________________ ....Oh yeah and A CIA Inc. Sold It.. Last edited by s1k0; 03-07-2012 at 07:46 AM.

03-07-2012, 06:09 AM	#2
ewynn9 Drives: IOM 1LT/RS Join Date: Feb 2010 Location: McKinney TX Posts: 596	I think I understand what happened but what exactly did you hit to rip your wheel and rotor off? Sent from my SPH-D710 using Tapatalk __________________

03-07-2012, 06:13 AM	#3
SixGracing Drives: 2010 2SS/RS LS3 A6 Join Date: Mar 2011 Location: West Haven, UT Posts: 790	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! __________________

03-07-2012, 06:37 AM	#5
s1k0 Drives: Corvette C6 Join Date: Jun 2011 Location: SoCal San Diego Posts: 1,225 View My Garage	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. __________________ ....Oh yeah and A CIA Inc. Sold It.. Last edited by s1k0; 03-07-2012 at 07:45 AM.

03-07-2012, 06:40 AM	#6
SixGracing Drives: 2010 2SS/RS LS3 A6 Join Date: Mar 2011 Location: West Haven, UT Posts: 790	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! __________________

03-07-2012, 06:21 AM	#4
HookemHorns Drives: 2023 Camaro ZL1 Red Hot Convertible Join Date: May 2011 Location: Arkansas Posts: 859	Can you please revise your post and explain it again?

03-07-2012, 06:42 AM	#7
jdenotter Drives: 2010 2SS/RS,M6,Black w/CGM Stripes Join Date: Jan 2010 Location: Nashville, NC Posts: 1,778 View My Garage	Why on earth would u attempt to make a turn at 50 mph? Sent from my DROID BIONIC using Tapatalk __________________ 3" RDP Motorsports aggressive cat-back exhaust w/ x-pipe, Vararam CAI, Hurst's short throw shifter, Gary's Customs painted bowties, Ofer's HID DRL/Fog Light wiring harness, Kelvin 8K HID DRL bulbs, ZL1 grille. Johnson's window tint film, LSR lowering springs, Metra dash kit with Pioneer In-Dash DVD head unit.

03-07-2012, 06:43 AM	#8
SixGracing Drives: 2010 2SS/RS LS3 A6 Join Date: Mar 2011 Location: West Haven, UT Posts: 790	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.. __________________

03-07-2012, 06:44 AM	#10
s1k0 Drives: Corvette C6 Join Date: Jun 2011 Location: SoCal San Diego Posts: 1,225 View My Garage	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. __________________ ....Oh yeah and A CIA Inc. Sold It.. Last edited by s1k0; 03-07-2012 at 09:17 AM.

03-07-2012, 06:48 AM	#12
s1k0 Drives: Corvette C6 Join Date: Jun 2011 Location: SoCal San Diego Posts: 1,225 View My Garage	Don't think I can afford paying 2-4K, how much higher like from $400 higher? __________________ ....Oh yeah and A CIA Inc. Sold It..

03-07-2012, 06:51 AM	#13
Daily Driver Drives: Silver Bullet Join Date: Sep 2010 Location: DFW Posts: 845	Sorry for the misfortune, glad you are alright.

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