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-- Do tell, is this a bit ridiculous or am I crazy? (INSURANCE FUN)
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Originally posted by geroin i dont remember exactly by how much because my dad handles it. I already had an accident prior to that (maybe a year or two ago). I was at a red light changing a cd and i looked in the rearview mirror and i saw a car going at least 80 and then a split second it rear ended my car. I was in shock because i did not expect something like this to happen, especially at 4am. It looked like there was not much damage done to my car at first but when they inspected it the whole trunk underneath was smashed so it cost $4500 to fix. I also got a neck and a knee injury so i went for physiotherapy. Then next year after renewal my insurance rate went up (because i was a risky driver? i dont know).

So this accident happened a year or two ago? when was the one before? Was the one before your fault?
Something to consider.... two years ago all rates went up.

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Originally posted by *~LiSa-LoO~* I'm so glad that I don't have to worry about insurance right now b/c my family has company cars. The horror stories I hear of insurance companies make me nervous to get a car of my own. They sound super gay.

I waited till 25 to buy a car for insurance reasons! I simply wasn't gonna fucking pay ~$3,500-$4,000 for insurance a year!

Crazy.

My rates now I am content with, thus I decided to buy a car (finally)!

Jem

i had to do that for my parents cars when i drove too.

and my car is currently sitting in my dads garage with some insurance for classic cars which says i can't drive it anyways, since im nuder 25 lol.

Re: Re: Re: Re: Re: Re: Do tell, is this a bit ridiculous or am I crazy? (INSURANCE FUN)

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Originally posted by VERTiG0 I have JUST the intersection here in Cambridge for that, in fact I was thinking about this yesterday. But that's because it almost happened. But let me get this straight, if I'm going straight through a lighted intersection and the guy opposite me is turning left and he could indeed make it if I didn't accelerate, but I did and hit him, they're still at fault?

That is correct...the Government set out the No-Fault rules and the rules do not take into consideration the speed you are travelling at....you could be going mach 1 through the intersection and if the other driver turns left infront of you he is at fault.

I am exaggerating here....as the other driver could fight the ruling of the No-Fault Chart as you probably would have been charged with careless driving at the least. IF you dispute the ruling then liability would be based on the General Rules of the Road.

Re: Re: Re: Re: Re: Re: Do tell, is this a bit ridiculous or am I crazy? (INSURANCE FUN)

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Originally posted by VERTiG0 But let me get this straight, if I'm going straight through a lighted intersection and the guy opposite me is turning left and he could indeed make it if I didn't accelerate, but I did and hit him, they're still at fault?

In addition to Scott's post above.... it does not need to be a lighted intersection.... if any person is turning left across you path at any time in any place and you collide then they are 100% liable/at fault (provided you are not charged with a criminal or some Highway Traffic Act offence pertaining to the operation of the vehicle contributing to the collision.... ie. running from the cops, running a read, reckless driving).

To correct Scott's post... a careless charge (in this instance) may not make you at fault as it is secondary to the "left turn not in safety" charge the other driver would likely receive.

Re: Re: Re: Re: Re: Re: Re: Do tell, is this a bit ridiculous or am I crazy? (INSURANCE FUN)

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Originally posted by Moral Hazard To correct Scott's post... a careless charge (in this instance) may not make you at fault as it is secondary to the "left turn not in safety" charge the other driver would likely receive.

you are correct...the left turn would still be at fault for the accident....if the charge was something greater then the left turn may not be found 100% at fault.

Hah you guys are awesome, I'm going to go get in an accident today!*






*no I'm not

quote:

Originally posted by VERTiG0 Hah you guys are awesome, I'm going to go get in an accident today!* *no I'm not

Well if you do....make sure you are injured....I'd be more then happy to do your housekeeping for $100.00 a week....and I'm sure some attendent care would be needed as well.

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Originally posted by ChemEnhanced Well if you do....make sure you are injured....I'd be more then happy to do your housekeeping for $100.00 a week....and I'm sure some attendent care would be needed as well.

Oh I can feel the severe back and neck pains starting now

Re: Re: Do tell, is this a bit ridiculous or am I crazy? (INSURANCE FUN)

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Originally posted by Moral Hazard This is compounded when you add a young, single, male driver

...not to mention DAMN good looking! (that's right, you hairy beast! )

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Originally posted by VERTiG0 Hah you guys are awesome, I'm going to go get in an accident today!

quote:

Originally posted by ChemEnhanced Well if you do....make sure you are injured

LOL

Re: Re: Re: Do tell, is this a bit ridiculous or am I crazy? (INSURANCE FUN)

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Originally posted by fayraree ...not to mention DAMN good looking! (that's right, you hairy beast! )

Hahahah. CAN YOU SMELL THE TESTOSTERONE

I am happy to report the the insurance companies practice equal opportunity bad clauses.
My policy has a clause that states "female drivers under 25 are not allowed to operate the vehicle"

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