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-- Who else got into an accident today :( :( :( :(
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quote:

Originally posted by Protosis Just say that when the light turned amber, the driver in front of you paniced and braked hard in very bad road conditions. Focus on her unpredictable driving for the conditions. Avoid stopping distance at all costs including on the report. Act stupid, and innocent. You're not at fault. When the light turns amber you stop only if you can at a reasonable decent. Sounds like she stopped as if it were red.

will never work, if you hit from behind, its your fault, ALL the time.

its your responsability to drive slow and control your car.

Good point.

Well on the bright side atleast you didn't hit a Ford Pinto and she's not coming after you for whiplash.

Good to know that you're okay though Fahad!

Shit happens. Live through it because you will!

Now, make me some good curry.

quote:

Originally posted by Protosis Ouch! Was that the final damage cost? I know when they first estimate that they will assume there's damage to places even if they don't know.

it was actually firstly underestimated at 7200 and then that was the final price.

Thanks, John and Johan...and uh, thanks Eric for just posting in this thread!

quote:

Originally posted by malek hit and run doesn't mean you're not risponsible.

huh? how is that supposed to help me? I hit the lady from behind and even if I call it in first I'm still responsible and will be penalized from my insurance company!

Are you on drugs, Malek, cuz normally you make sense...

quote:

Originally posted by Swamper Nice dent eh? What a ******. At least he's paying for it, but still.

Ouch. I hate looking at my car when it's damaged. Fuck, I have to get over that. And the skirts are ABSOLUTELY essential. 100% agreed. I guess if I'm about to fork out $5000, an extra $500 won't be too bad, but it still effin hurts!!! (my poor savings )

Big hugs for you sunshine, I am glad you are ok!!!!


Andie

Awww Andie, hugs right back at ya!!!! You saw my car...I drove it around with such pride and satisfaction

I guess God said to me, "Fuck you and your pride, Fahad...eat somma this"

LOL

quote:

Originally posted by cyper It is? I always thought they were cock sucking assholes who took all your money but didnt want to give you any back whenever something bad happend to your vehicle. But maybe I was wrong..

do I have to defend insurance again....I'm really getting tired of doing that

I ran over a garbage can on the way down my street this morning.

I am totallt not surprised that this dumb bitch slammed on her brakes....My parents live at Steeles & Warden area & I take my life into my hands everytime I go to visit them .I usually stay far enough away from the ass of these dumbasses JUST in case that they brake at the very HINT that the light changes yellow .The main thing though is that you are ok

quote:

Originally posted by fayraree Thanks, John and Johan...and uh, thanks Eric for just posting in this thread! huh? how is that supposed to help me? I hit the lady from behind and even if I call it in first I'm still responsible and will be penalized from my insurance company! Are you on drugs, Malek, cuz normally you make sense...

agh. did yo call the cops for the hit and run?

no? good luck buddy.


cause if you get a visit by the cops about a hit and run, you're in deep shit, its a criminal offence, Canadian jail for you.

Ive had to incidents where dudes almost drove INTO ME! one at 3 am lastnight on an empty road. wtf. lucky for them i was in full rally mode!

glad to hear your alright buddy, see u soon

quote:

Originally posted by malek agh. did yo call the cops for the hit and run?

Malek, I beg you...please give me a plausible suggestion about how to explain the massive dent on the front of my car as a "hit and run" where I am NOT at fault...

Contacting the Collision Centre when I AM AT FAULT means I get screwed. I'm sure you realize it means NOTHING beneficial for ME if that lady ran away AFTER I hit her!!!! Is it only me that sees that?

Furthermore, if I wait, there are only two scenarios:
1) Worst case - the woman taddle-tales and I get contacted by my insurance co./MTO collision centre. In that case, I will try my luck with making up a story, but only because I am FORCED to.
2) Best case - nothing happens, and I'm only stuck with a dent in my WALLET.

P.S. Nice sig! *quelle honeur*

quote:

Originally posted by Pettiscool glad to hear your alright buddy, see u soon

See you REAL soon, dude

DUN DUN DUN DUN DUN-DUN DUN-DUN

quote:

Originally posted by fayraree Malek, I beg you...please give me a plausible suggestion about how to explain the massive dent on the front of my car as a "hit and run" where I am NOT at fault... Contacting the Collision Centre when I AM AT FAULT means I get screwed. I'm sure you realize it means NOTHING beneficial for ME if that lady ran away AFTER I hit her!!!! Is it only me that sees that? Furthermore, if I wait, there are only two scenarios: 1) Worst case - the woman taddle-tales and I get contacted by my insurance co./MTO collision centre. In that case, I will try my luck with making up a story, but only because I am FORCED to. 2) Best case - nothing happens, and I'm only stuck with a dent in my WALLET. P.S. Nice sig! *quelle honeur*

man you must be drunk. Its not about fault here, its about HER CLAIMING YOU DID HIT HER AND RAN AWAY. You will get in deep shit.

Its obviously your fault, but by calling the cops first (which might be too late now) you avoid being dragged in justice.

quote:

Originally posted by malek Its obviously your fault, but by calling the cops first (which might be too late now) you avoid being dragged in justice.

"getting dragged into justice" in this case doesn't mean jail time at all. It means that I would need to report the collision (if I am contacted to do so), and possible involvement of my insurance company WHICH I AM TRYING TO AVOID!!! If that is my goal, why would I initiate any contact?!

If contacted and asked why I didn't report the collision, I tell them the truth: that the lady, after inspecting her damage, insisted that we can go our own ways and drove off without asking me for any of my information.

It would be totally reasonable under those circumstances for me to go straight to a shop to get my car fixed as I shouldn't be driving a car around in that condition.

I don't see any negative aspects to that.

(and yes I am drunk right now hehehehehe...mmmmm virgin mike's hard lemonade)

you have to report this.

definitely.

no question.

there is no fault insurance in ontario.

actually any shop that you bring it will want you to report it and i think they might have to by law.

quote:

Originally posted by StereoPrincess actually any shop that you bring it will want you to report it and i think they might have to by law.

Not true.

And for millionth time, yes, I understand no-fault insurance, but I'm trying to AVOID this claim!!! By not reporting it, I *hope* to avoid this claim.

Let's see if I get lucky...

i'm missing something here, how is calling the cops connected with a claim??!!?


you can have an accident and not claim it, whats the deal-y o?

oh--ok. As our buddy ChemEnhanced (from the insurance industry) mentioned, most insurance companies receive the voluntary collision reports from the collision centres (which is connected to the police).

Therefore, if Fahad report-y, Fahad pay-y.

quote:

Originally posted by fayraree oh--ok. As our buddy ChemEnhanced (from the insurance industry) mentioned, most insurance companies receive the voluntary collision reports from the collision centres (which is connected to the police). Therefore, if Fahad report-y, Fahad pay-y.

wtf

i also had a small accident before and had to go to the collision centre and the insurance company called me and i told them that i wasn't going to make a claim. they were fine with it. just wanted to make sure.

when i had my second accident. i didn't make a police report just a claim. and insurance still paid for the damages.

what you are not getting is that when the girl goes through her insurance and reports you they will find your insurance company.

what happens with insurance is that each company pays their customer and the companies fight it out after for the money to get back from the company of the customer that was at fault.

with you not getting any of her info you are sort of shit out of luck because she can't contact you just her insurance. who the fuck knows, she may have no deductible and some sort of deal with her premiums.

i know that you want people to cheer you up so i will add as everyone has already that the most important thing is that you are ok.

Thanks, Margs! Another reason for my post was to also get advice about the best action to take and you guys are DEFINITELY helping by giving me insight that I didn't have before...

To clarify...

quote:

Originally posted by StereoPrincess i also had a small accident before and had to go to the collision centre and the insurance company called me and i told them that i wasn't going to make a claim. they were fine with it. just wanted to make sure.

Is that because the costs to repair the damages were less than your deductible? Also, did the insurance co. record this as an at-fault accident for you? Because that's what I'm trying to avoid here. Same question goes for your second example...were both of these the other person's fault? If so, you're clear! I, however, am not.

And yeah, if she goes to her insurance co., I'm fucked either way! The accident WAS my fault, after all, so I'm prepared for that consequence (which of course, is not as severe as Malek made it out to be). By not reporting, there's a chance I can get away with it...I think...

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