Accident Opinions
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Banned
Joined: Jul 2006
Posts: 2,950
From: San Marcos, TX
Accident Opinions
Alright so I'm making a new thread so I don't hijack WaterDR's thread on cell phones. Here is a copy and paste of what was already discussed.
As I said I'm a little confused about this no fault insurance because in IL we don't have that. From what I understood from the agent technically since I was involved in an accident in a No Fault state and my car is registered in IL and not MI it will be very complicated if anything can even be done.
In a way I'm happy about that because I have a clean record no accidents no tickets and you don't even want to know what I pay for insurance. I do have full coverage though and being only 20 I turn 21 later in the year I really do not want to file this. I think it will be much cheaper for me in the long run to find out the damage and depending just pay it out of my pocket instead of having an accident on my record and increasing rates. The only upside out of this is I can get that GT rear bumper I've wanted so my exhaust tips don't look retarded haha
Well I just had to add this I just got ******* hit (rear ended) so now my bumper is dented so now it looks like I'll be getting that GT rear bumper I wanted lol. I believe it looked like she was on her cell phone (what a suprise) Other damage was the drivers side brake light was shattered other than that not much. Very low speed it was in a 25mph zone so from the looks of it I just need a rear bumper and a drivers side brake light. Going in tomorrow to get it checked out and hope for the best. Since it seems very minor right now I'm not filling it through insurance since the other lady didn't want to if we didn't have to. I would rather just pay for the parts and replace them than have my rates go up. So all in all I'm pissed but I'm very happy it was minor damage
See I'm not sure legally it may have been my fault. This was actually the first time I've been hit and I've never hit anyone else. I was at a stop sign wanting to turn right onto a road and there was a truck next to me wanting to turn left. I know I should have just waited but I was inching out and didn't see a car and then after I was just about finishing my turn (i got clipped on the rear drivers side part of the rear bumper) is when I got hit. Since she was going a slow speed I know that if she was paying attention she could have hit the brake or at least avoided me since she had to have seen my car before I saw her. So I'm not sure technically I think it was my fault for turning into the intersection. Also I'm in a different state right now and Michigan has something called no fault so no one is liable for an accident up here which is what I understood from the Allstate agent up here. So the lady said if I want to do anything I have to notify my agent in IL I don't know it got confusing and as I said it's my first accident. So I just hope that when I go in to get an estimate on the damage it will only be what I think it is right now which is just the bumper and the brake light. At least I'm keeping my fingers crossed that thats all.
As I said I'm a little confused about this no fault insurance because in IL we don't have that. From what I understood from the agent technically since I was involved in an accident in a No Fault state and my car is registered in IL and not MI it will be very complicated if anything can even be done.
In a way I'm happy about that because I have a clean record no accidents no tickets and you don't even want to know what I pay for insurance. I do have full coverage though and being only 20 I turn 21 later in the year I really do not want to file this. I think it will be much cheaper for me in the long run to find out the damage and depending just pay it out of my pocket instead of having an accident on my record and increasing rates. The only upside out of this is I can get that GT rear bumper I've wanted so my exhaust tips don't look retarded haha
Blackity Black
Joined: Jun 2007
Posts: 848
From: Grand Rapids, MI
I touched base on it on the other thread.. but it looks like you already know it's an issue. If your IL insurance is not No-fault, then I don't really don't know how they would handle the situation. I'd say you're doing the best thing right now, in seeing what the damages are first. I'd think the insurance premiums in the end become more expensive than making minor repairs yourself.
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Banned
Joined: Jul 2006
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From: San Marcos, TX
well I was lucky and the damage was just as I expected which came out to minor. Best news was no bad body damage the bumper took all the impact from the angle I was hit. I have to get a new bumper cover and brake light so I'm just going to pay for it out of my own pocket. Came out to around $765 so could have been worse. Getting repaired next Wednesday 
Senior Member
Joined: Mar 2006
Posts: 1,786
From: California
well I was lucky and the damage was just as I expected which came out to minor. Best news was no bad body damage the bumper took all the impact from the angle I was hit. I have to get a new bumper cover and brake light so I'm just going to pay for it out of my own pocket. Came out to around $765 so could have been worse. Getting repaired next Wednesday
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Banned
Joined: Jul 2006
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From: San Marcos, TX
but whatever it confused the hell out of me. I'm use to the rules of you rear end someone you pay
Last edited by Dave04Mustang; Feb 6, 2008 at 01:43 PM.
Senior Member
Joined: Mar 2006
Posts: 1,786
From: California
you should call her anyway and just tell her you're going to report it. As long as you're not a total douche about it she might be willing to give you some hush money to avoid her rates going up. Tell her you're a student so you can't afford to fix it out of your pocket and have to go through the insurance company. She hit you, it's only fair she pays at least part of the damages. And yeah I always thought it was you rear end someone you pay also.
Blackity Black
Joined: Jun 2007
Posts: 848
From: Grand Rapids, MI
I don't know man. Something in this doesn't sound right. I've never been in an accident myself, so I can't say from experience. But I have a friend who rear ended someone when they turned off the road, and realized the road they were turning on was closed and then cut back in front of him. He was still held liable because of the safe distance rule of driving. I'd try out Codiddy's advice though... just play the broke college kid routine.
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Banned
Joined: Jul 2006
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From: San Marcos, TX
yeah ill have to contact her for the hell of it. Hokie I see what your saying but my situation was just the opposite I turned into the intersection of moving traffic there was a pickup next to me so I couldn't see as well as I should have been so therefore I really shouldn't have gone. So I understand that I do have some fault it just pissed me off that she could have moved into the left lane to go around me if she were paying attention instead of nailing me in the right. Never honked or anything so I'm guessing she was looking somewhere else lol because ive never seen anyone get into an accident and not lay on the horn haha.
But either way I'll get it all figured out like I said just glad it was in a slow speed zone otherwise it would not have been pretty You can always earn money back but ya can't get your life back
But either way I'll get it all figured out like I said just glad it was in a slow speed zone otherwise it would not have been pretty
You can always earn money back but ya can't get your life back
KWITCHERBITCHIN
Joined: Sep 2007
Posts: 6,024
From: Gallatin, TN
No fault = no claim on anyone elses insurance. Basically if you have an accident you have to claim it on your insurance (if you want the insurance co. to pay). No fault laws are stupid beyond belief, but there's nothing you can do.
It really wouldn't matter anyway, the accident was your fault. You pulled out into an intersection where you didn't have the right of way and got hit. Sucks, but hopefully it will teach you to have some more patience.
Im not preaching to you im sure it was just a mistake we all make them, just try to wait for a few more seconds next time. If you can't see around another vehicle don't pull out into the intersection.
Good luck bud.
It really wouldn't matter anyway, the accident was your fault. You pulled out into an intersection where you didn't have the right of way and got hit. Sucks, but hopefully it will teach you to have some more patience.
Im not preaching to you im sure it was just a mistake we all make them, just try to wait for a few more seconds next time. If you can't see around another vehicle don't pull out into the intersection.
Good luck bud.
KWITCHERBITCHIN
Joined: Sep 2007
Posts: 6,024
From: Gallatin, TN
you should call her anyway and just tell her you're going to report it. As long as you're not a total douche about it she might be willing to give you some hush money to avoid her rates going up. Tell her you're a student so you can't afford to fix it out of your pocket and have to go through the insurance company. She hit you, it's only fair she pays at least part of the damages. And yeah I always thought it was you rear end someone you pay also.
FYL.
Joined: May 2006
Posts: 7,493
From: Pensacola, Florida
You and donnie both!
yeah I'm kidding, ****.
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Banned
Joined: Jul 2006
Posts: 2,950
From: San Marcos, TX
yea no problem WN thanks for the explanation of that no fault thing. No offense taken I was mostly just interested in getting a clear understanding of what that was since it was completely foreign to me. I was planning on fixing it basically from the beginning as long as it was just the bumper and 1 brake light which is what it turned out to be. Roads were just slicker than I thought tires spun = game over hehe. definitely the first and last accident I would like haha no fun with the sore back for a day
I was mostly just interested in getting a clear understanding of what that was since it was completely foreign to me. I was planning on fixing it basically from the beginning as long as it was just the bumper and 1 brake light which is what it turned out to be. Roads were just slicker than I thought tires spun = game over hehe. definitely the first and last accident I would like haha no fun with the sore back for a day
Blackity Black
Joined: Jun 2007
Posts: 848
From: Grand Rapids, MI
Oh wow. I completely misread your explanation of what happened... I had some other story in my head for some reason. Yeah, you better not report that one haha. I was thinking, as you pulled into the intersection, you stopped instead of going, causing the person behind you to hit you.
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Banned
Joined: Jul 2006
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From: San Marcos, TX
ah no i think you guys missed the part where i mentioned the truck was next to me so i didn't have as clear of a view as i should have then made the turn saw the car a decent amount of space tires spun she didn't notice by the time i got traction most of the car was out but just got the back clipped.
Ketchum & Killem
Joined: Sep 2007
Posts: 12,065
ah no i think you guys missed the part where i mentioned the truck was next to me so i didn't have as clear of a view as i should have then made the turn saw the car a decent amount of space tires spun she didn't notice by the time i got traction most of the car was out but just got the back clipped.
i dont see how this is your fault at all.
KWITCHERBITCHIN
Joined: Sep 2007
Posts: 6,024
From: Gallatin, TN
He pulled out into an intersection where he didn't have the right of way and got hit by someone in oncoming traffic. Pretty simple.
The fact is though that whos fault it is makes no difference, he is in a "no fault" state. That means he would have to claim it on his insurance anyway because the police/ insurance co. do not "blame" anyone for traffic accidents. If you are in an accident and want insurance to pay for it you claim it to your company and your rates go up.
Make sense Chris? Hope not, because no fault laws are rediculously stupid.
Senior Member
Joined: Mar 2006
Posts: 1,786
From: California
He pulled out into an intersection where he didn't have the right of way and got hit by someone in oncoming traffic. Pretty simple.
The fact is though that whos fault it is makes no difference, he is in a "no fault" state. That means he would have to claim it on his insurance anyway because the police/ insurance co. do not "blame" anyone for traffic accidents. If you are in an accident and want insurance to pay for it you claim it to your company and your rates go up.
Make sense Chris? Hope not, because no fault laws are rediculously stupid.
The fact is though that whos fault it is makes no difference, he is in a "no fault" state. That means he would have to claim it on his insurance anyway because the police/ insurance co. do not "blame" anyone for traffic accidents. If you are in an accident and want insurance to pay for it you claim it to your company and your rates go up.
Make sense Chris? Hope not, because no fault laws are rediculously stupid.
THE ONLY DARK GREEN VERT
Joined: Jan 2008
Posts: 466
From: denver
according to this:
http://en.wikipedia.org/wiki/No-faul..._No-Fault_Laws
no, thankfully, neither is CO
http://en.wikipedia.org/wiki/No-faul..._No-Fault_Laws
no, thankfully, neither is CO
Ketchum & Killem
Joined: Sep 2007
Posts: 12,065
He pulled out into an intersection where he didn't have the right of way and got hit by someone in oncoming traffic. Pretty simple.
The fact is though that whos fault it is makes no difference, he is in a "no fault" state. That means he would have to claim it on his insurance anyway because the police/ insurance co. do not "blame" anyone for traffic accidents. If you are in an accident and want insurance to pay for it you claim it to your company and your rates go up.
Make sense Chris? Hope not, because no fault laws are rediculously stupid.
The fact is though that whos fault it is makes no difference, he is in a "no fault" state. That means he would have to claim it on his insurance anyway because the police/ insurance co. do not "blame" anyone for traffic accidents. If you are in an accident and want insurance to pay for it you claim it to your company and your rates go up.
Make sense Chris? Hope not, because no fault laws are rediculously stupid.
Who the hell gave a woman a drivers licence? they are the ones at fault
lol
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