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-- Involved in a Car Accident--Anything I can Do?
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One time I was driving on the 427, it was late at night and dark outside. I was speeding, going 120km/h.

Suddenly, I noticed a darker area of the road about 300m ahead of me, I wasn't sure exactly why it was darker, but I knew the rest of the road was gray, so I should be careful and not simply continue to speed ahead.

When I realized it was a dark piece of sheet-metal that had possibly dropped off the back of a truck, I hit my breaks and didn't do any damage to my car. I didn't have to pay any deductible, and it was great dealing with my insurance company after that incident, because I didn't have to.

Moral of the story about road hazards? Pay attention! There's no excuse for driving straight into an obstruction on the road.

Re: Re: Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by Nick Cenik Respectfully, I don't appreciate your condescending tone MH; it's unnecessary.

Sorry about my tone, I just spend way too much time dealling with people who refuse to recognise their own negligence.

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Originally posted by VERTiG0 Ugh fucking car insurance. Legalized extortion.

As others have pointed out, you're pretty much SOL. Many people assume that insurance is there to cover your @$$! Its not! It is there to spread the high costs of the few amongst the low costs of the many, and for all of us who will, luck willing, only get into minor accidents, the insurance company will suck tenfold the money from you over your driving carreer than it will ever have to pay out to you in case of these small accidents. The few times you will be lucky/glad you have insurance is if you end up in a major accident, where you may seriously cause harm or kill another person, in which case your insurance, after your measly deductible, will pay out the extraordinary lawsuit, medical, etc. bills.

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Originally posted by zokissima As others have pointed out, you're pretty much SOL. Many people assume that insurance is there to cover your @$$! Its not! It is there to spread the high costs of the few amongst the low costs of the many, and for all of us who will, luck willing, only get into minor accidents, the insurance company will suck tenfold the money from you over your driving carreer than it will ever have to pay out to you in case of these small accidents. The few times you will be lucky/glad you have insurance is if you end up in a major accident, where you may seriously cause harm or kill another person, in which case your insurance, after your measly deductible, will pay out the extraordinary lawsuit, medical, etc. bills.

and thats just for the third party that was hurt.....the money the insurance company would spend on your injuries, god forbid you get hurt, is very costly.

I have a claim right now where the insured was driving a 1993 Sunbird and totalled the car. The cost of the vehicle claim was $1000.00. To date, the insurance company has spent over $500,000.00 on her injury claim and I still have outstanding reserves on the claim of over $300,000.00. Then there is also the passenger that was severly hurt in the accident and will have a passenger hazard claim against her. I am not handling that claim but from the passengers injuries I would estimate a $250,000.00 settlement would be likely. That $100.00 a month the person was paying in insurance seems like nothing compared to the more then million dollars the insurance company will be paying. Oh and by the way, she was only insured with the company for 6 months.

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Originally posted by london_ta As I said before... your a retard.

I'd love to hear your logic behind this.

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Originally posted by london_ta Thanks for that lesson teacher. Your a retard too!

listen you dumb fuck you're totally wrong.. just sit down.. shut the fuck up and take it in the ass. You got totally owned now deal with it like a sore ass little fuck.

fuck you

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Originally posted by geroin it was a huge fucking ladder

that's the number one random object i see left on the road, number 2 being mattress's

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Originally posted by Nrg2Nfinit listen you dumb fuck you're totally wrong.. just sit down.. shut the fuck up and take it in the ass. You got totally owned now deal with it like a sore ass little fuck. fuck you

The fact that I have went through this exact situation would explain my reasons to speak up.

You really need to not take my jokes too seriously. I hope we don't bump into each other anytime soon.

Anyone know this TA personally... please feel free to introduce me.

wow this thread is so filled with nonsense! LOL

Nick, sorry to hear that, man. What time did this happen? You said it was morning but also that it was dark. Did you have your headlights on?

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Originally posted by Nrg2Nfinit listen you dumb fuck you're totally wrong.. just sit down.. shut the fuck up and take it in the ass. You got totally owned now deal with it like a sore ass little fuck. fuck you

LMAO

and Spam, your story was confusing.

Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by Nick Cenik After dropping off my buddy at his apartment early Saturday morning I was making my way home to Mississauga via the Gardiner Expressway West. I was driving in the middle lane. In what seemed like a fraction of a second, I slammed head-on into a huge piece of debris that was sitting right in the middle of the highway. I still do not know what the debris was; perhaps it was something that had fallen off of a tractor trailer. Because 1) it was dark outside and 2) the piece of debris was black (or some other dark colour) I was unable to notice the obstruction until it was too late for me to avoid it. Significant damage was done to the front end of my car, particularly around the right side of the bumper. A police-contracted tow-truck towed my car to my house and later in the day on Saturday I had a tow truck from the Honda dealership (my car is on lease) tow the vehicle to the dealership. My insurance company is willing to pay any repairs after I pay the first $1000 out of pocket (as I have a $1000 deductible). I am disappointed by the possibility of having to pay all this money for an incident for which I feel I am not responsible. I am wondering if there are any avenues I may pursue re: not having to pay any money out of pocket to fix my car. I've already paid $145 for the initial tow. I would be greatly surprised if the total bill for repairs plus the towing does not amount to at least $2000. If it matters, the police at the scene informed me that officers were en route to remove the debris from the highway before my car collided with it. Any help in this matter would be greatly appreciated. Respectfully, I'm not in the mood for any jackass responses

First find out what the total damage is, if it's under 2g's pay out of your pocket, that way it won't affect your insurance costs in the near future

Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by djeso First find out what the total damage is, if it's under 2g's pay out of your pocket, that way it won't affect your insurance costs in the near future

if he's already talked to the insurance company then it will make no difference if he goes through with a claim.....the accident has already been reported. Even if he reported the incident to the police then eventually the insurance company will find out. Some insurance companies have agreements with the police that the police reports will be sent to the insurance company once one of their insureds are identified as being involved in an accident.

Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by djeso First find out what the total damage is, if it's under 2g's pay out of your pocket, that way it won't affect your insurance costs in the near future

Bad advice at this point, as he's already reported it to his insurance company. Personal automobile policies are priced based on a risk rating; meaning you are charged a premium per thousand dollars of insurance based on the level of risk you represent... risk meaning the probability that the insurer will have to respond to a claim made against your policy. The amount of money that the insurer pays on claims has no bearing on risk rating. Whether he withdraws his claim at this point or continues with it the effect on his insurance will be the same. Now, this could be good advice if his insurer was not already aware of the loss.... I say could because the decision of whether or not to claim for damages depends on a great many personal factors.

Re: Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by Moral Hazard Bad advice at this point, as he's already reported it to his insurance company. Personal automobile policies are priced based on a risk rating; meaning you are charged a premium per thousand dollars of insurance based on the level of risk you represent... risk meaning the probability that the insurer will have to respond to a claim made against your policy. The amount of money that the insurer pays on claims has no bearing on risk rating. Whether he withdraws his claim at this point or continues with it the effect on his insurance will be the same. Now, this could be good advice if his insurer was not already aware of the loss.... I say could because the decision of whether or not to claim for damages depends on a great many personal factors.

why do you feel the need to say what I already said

Re: Re: Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by ChemEnhanced why do you feel the need to say what I already said

Your post wasn't there when I started drafting mine.

both of you are flaming homosexuals

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Originally posted by fayraree both of you are flaming homosexuals

only when you are involved

Re: Involved in a Car Accident--Anything I can Do?

Did you sustain any injuries as a result of this mishap? Any headaches or whiplash? I would've assumed no however you said it was on the highway therefore it is possible considering the speed you were most likely travelling at. If yes, then in addition to repairs, you may be entitled to treatment through your insurance company...just something to keep in mind.

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Originally posted by Nick Cenik Respectfully, I'm not in the mood for any jackass responses

I see you haven't had much luck with that...

Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by 1dawoman Did you sustain any injuries as a result of this mishap? Any headaches or whiplash? I would've assumed no however you said it was on the highway therefore it is possible considering the speed you were most likely travelling at. If yes, then in addition to repairs, you may be entitled to treatment through your insurance company...just something to keep in mind.

You can also get paid to have someone clean your house and not to mention the psych issues you will have for the rest of your life....I don't think I would ever be able to drive at night again....I'd be too affraid of something being on the road. As an adjuster....I see so much potential with this.

Re: Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by ChemEnhanced You can also get paid to have someone clean your house and not to mention the psych issues you will have for the rest of your life....

Obviously, that's taking advantage of this situation...which isn't what I was referring to....however, if he sustained some injuries a simple PAF wouldn't be out of the question in my opinion.

Re: Re: Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by 1dawoman Obviously, that's taking advantage of this situation...which isn't what I was referring to....however, if he sustained some injuries a simple PAF wouldn't be out of the question in my opinion.

Since the PAF came out...which personally I think is an absolute waste of time...I think I've had one claim that actually ended with the completion of the PAF.

Re: Re: Re: Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by ChemEnhanced Since the PAF came out...which personally I think is an absolute waste of time...I think I've had one claim that actually ended with the completion of the PAF.

that's cuz people are greedy and want more money than what a PAF pays out...even though that treatment plan would suffice.

Re: Re: Re: Re: Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by 1dawoman that's cuz people are greedy and want more money than what a PAF pays out...even though that treatment plan would suffice.

I blame the para-weasels

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Originally posted by london_ta The fact that I have went through this exact situation would explain my reasons to speak up. You really need to not take my jokes too seriously. I hope we don't bump into each other anytime soon. Anyone know this TA personally... please feel free to introduce me.

and simply because you "went through" that experience before justifies your response to call a claims manager a retard. The fact that you actually went through the situation and still do not realize that it is an at fault situation shows how much of a moron you are.

My response showed the same caliber of etiquette as yours. Take my post as a no fault claim

LOL @ Internet threats

oooooo

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