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I hit another car... :(

OK, So I am waiting to turn right at this light that I am used to turning at... I look to see that the way is clear and I gun it assuming the person in front of me has gone... oops... I bumped into her...

I am such an idiot.

Minor damage... about $600 to their car... My car is fine...

Question is, should I settle outside of insurance?

Re: I hit another car... :(

quote:

Originally posted by Killah Monkey OK, So I am waiting to turn right at this light that I am used to turning at... I look to see that the way is clear and I gun it assuming the person in front of me has gone... oops... I bumped into her... I am such an idiot. Minor damage... about $600 to their car... My car is fine... Question is, should I settle outside of insurance?

YES - do NOT go through insurance.

consider the $600 a slap on the wrist, going through insurance will likely bump your insurance to at least that PER YEAR....

Haha. I've had so many run-ins with other cars I'm running out of fingers to count them on.

And yeah, $600 is not *that* much, and if you go insurance route, it will be marked as 'your fault' anyway.

Hope you didn't go to the collision centre because if you did you are screwed either way as it will be reported. We learned that the hard way one time.

That's kinda what I thought...

I will call her back and tell her I am going to settle outside... Sucks for them... I feel bad that they have to go through this inconvience because of my dumb ass mistake...

That split second is gonna cost me $600!

quote:

Originally posted by riskytrader Hope you didn't go to the collision centre because if you did you are screwed either way as it will be reported. We learned that the hard way one time.

That depends on who her insurer is. The CRCs have a program by which they automatically send reports to subscribing insurance companies whenever one of their insureds makes a report. If her insurer isn't a subscriber then she's fine. Unfortunately, I don't know all the subscribers so I couldn't tell her for sure.

It was only a little bump... and no we did not go to the collision centre...

They have already received 3 quotes... eek!

who in this solar system is going to put in a claim for 600 bucks? is the air a bit thin there in K/W ?

quote:

Originally posted by Killah Monkey That's kinda what I thought... I will call her back and tell her I am going to settle outside... Sucks for them... I feel bad that they have to go through this inconvience because of my dumb ass mistake... That split second is gonna cost me $600!

I would also offer to pay for her to have replacement transportation while her car is repaired as she would be entitled to it if she were to claim (this is assuming she asks if of you otherwise don't offer). I would also recommend you get her to sign a release waiving her right to any legal action against you for damages or injury. If you PM me a fax number I can send you one... or email address.

quote:

Originally posted by vinny_vegas who in this solar system is going to put in a claim for 600 bucks? is the air a bit thin there in K/W ?

If I were the non-at-fault party I would. The non-at-fault party doesn't pay a deductible, gets a rental without costs, and their rates aren't adjusted. Honestly, if you are not at fault the only reason to settle privately is to be a nice person (which I am not).

quote:

Originally posted by Moral Hazard If I were the non-at-fault party I would. The non-at-fault party doesn't pay a deductible, gets a rental without costs, and their rates aren't adjusted. Honestly, if you are not at fault the only reason to settle privately is to be a nice person (which I am not).

Is she the not-at-fault party? I don't know if that's the case here. I would settle privately. I've done it before. It's the cost of doing business. Get the quote, pay it directly the repair shop. be done with it. No reason to get insurance involved.

Sorry to hear about that, I almost did that once when I first started driving. It's all about exp and what you learn.

At least your no one hurt, that's the main point

quote:

Originally posted by vinny_vegas Is she the not-at-fault party? I don't know if that's the case here. I would settle privately. I've done it before. It's the cost of doing business. Get the quote, pay it directly the repair shop. be done with it. No reason to get insurance involved.

Monkey is the at fault party. What I'm saying is that if I were the lady she hit I'd want to claim against my own policy (under Direct compensation) rather then settling privately. I can trust my insurance company, I cannot say the same for the person who rear-ended me.

Wow... honest and very nice people in this town...

They found a place that is $495... and they declined me offering to pay for a rental vehicle...

geez...

but thanks moral hazard... I will definately get them to sign a waiver...

ya never know

Oh yes absolutely I would do the same.
I would be screaming my neck, my back...
Ohhh
the agony. I would milk it for all it's worth.


I would cry out how am i going to go to wemf and dance around in my pink furry pants. My life is over.

quote:

Originally posted by E2EK1EL Sorry to hear about that, I almost did that once when I first started driving. It's all about exp and what you learn. At least your no one hurt, that's the main point

I've been driving for 10 years and I probably drive twice as much as most people do in one year, but sometimes you just get lazy... it was a regular corner that I turn... I think most accidents happen within 10km of your home right?

quote:

Originally posted by Killah Monkey I've been driving for 10 years and I probably drive twice as much as most people do in one year, but sometimes you just get lazy... it was a regular corner that I turn... I think most accidents happen within 10km of your home right?

That's what I heard. But, it's true ... you tend to get lazy near the home stretch. I wasn't assuming you were a new driver, shit happens to everyone and I was just giving you an example which I had that was like yours.

Parking is my nemesis. My very expensive nemesis.

Re: I hit another car... :(

quote:

Originally posted by Killah Monkey OK, So I am waiting to turn right at this light that I am used to turning at... I look to see that the way is clear and I gun it assuming the person in front of me has gone... oops... I bumped into her... I am such an idiot. Minor damage... about $600 to their car... My car is fine... Question is, should I settle outside of insurance?

yes definitly!!!!

quote:

Originally posted by E2EK1EL Sorry to hear about that, I almost did that once when I first started driving. It's all about exp and what you learn. At least your no one hurt, that's the main point

+1

That's does suck btw...

I agree with everyone else, just suck up the $600 and move on.

If you go the private route, make sure to write up a settlement document outlining what you have done (repaired the car) and releasing you from future claims (property or personal).

quote:

Originally posted by rabbitjoker If you go the private route, make sure to write up a settlement document outlining what you have done (repaired the car) and releasing you from future claims (property or personal).

excellent suggestion!

quote:

Originally posted by rabbitjoker If you go the private route, make sure to write up a settlement document outlining what you have done (repaired the car) and releasing you from future claims (property or personal).

That is a good idea, but from personal experience I can tell you that contracts like this often are not all that they would appear to be.
It is still possible to get screwed. The ontario court system does not give much help in honouring these type of agreements.

If I may ask, Lindsay, was this on or near King Street? Everybody I know who has had an accident has had one happen turning onto King from one of those sidestreets.

"another" car?


tsk tsk tsk..as i say..women are baaaaad drivers

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