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

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Nope....nothing you can do. Its considered a collision claim and therefore you must pay your deductible.

edit: as there is no other vehicle involved and you have no idea who put the debris on the road you are basically up shit creek without a paddle.

yeah, if you don't want to pay the deducible you have to pay higher premiums from the beginning. that's how insurance works.

Yeah pretty much you have to pay for your deductable. Even if it means $1200 in total, you wil be paying for the first $1000.

I was actually just rear ended on saturday in a tim hortons parking lot. my brother came to pick me up and as he was slowing down to a stop in the parking lot some goof wasnt looking and was backing out of his spot then rear ended my bumper. no major damage but he messed up my bumper. The idiot didnt clean off his rear view window, and completely disregarded looking in any mirrors.

Although it is a big hassle going through insurance and filing a claim, its something totally unnecessary.

It depends on your insurance package. Clearly it is a no fault clause, but your not getting out of paying the deductable. Unless, you have a one time no fault clause setup with you insurance company, most people do. Your insurance company should be reimbursing you for the tow.

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

quote:

Originally posted by Nick Cenik I slammed head-on into a huge piece of debris that was sitting right in the middle of the highway....

so you hit a stationary object which was in the centre of the lane you were driving in... therefore also in the centre of your headlight beams...

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I am disappointed by the possibility of having to pay all this money for an incident for which I feel I am not responsible.

How exactly do you feel you are not responsible?

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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.

It does not matter... you are responsible for paying sufficient attention and driving with sufficient care that you can avoid collision.

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Originally posted by london_ta Clearly it is a no fault

incorrect... this is an AT FAULT accident.... unless of course there is case law that supports an inanimate, stationary object can be considered negligent.

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

quote:

Originally posted by Moral Hazard so you hit a stationary object which was in the centre of the lane you were driving in... therefore also in the centre of your headlight beams... How exactly do you feel you are not responsible? It does not matter... you are responsible for paying sufficient attention and driving with sufficient care that you can avoid collision.

Totally correct here. You really should have seen it with the headlights. But then again even by the time you see it your not going to swerve to avoid it.

You are def SOL. Insurance companies don't give a shit about you, just about your money.

Question though, why the hell did you waste money on a tow? It sounds like the car was drivable?

i agree, either not paying enough attention or overdriving your headlights, but there is sufficient lighting on the gardiner so probably the former.

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Originally posted by Moral Hazard incorrect... this is an AT FAULT accident.... unless of course there is case law that supports an inanimate, stationary object can be considered negligent.

I think ur retarded.

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Originally posted by london_ta I think ur retarded.

lol.

Now I could be mistaken; but I'm pretty certain Moral Hazard works in the auto-insurance industry. In which case, I think he's in a position to know stuff like this.

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Originally posted by evil_cookie lol. Now I could be mistaken; but I'm pretty certain Moral Hazard works in the auto-insurance industry. In which case, I think he's in a position to know stuff like this.

Indeed, I am a claims manager... and considered to be an expert in matters of auto-liability.

one time i was driving on 407, it was early morning and i was driving to work on a saturday, i was driving in the left lane when i realized there was something on the road very far away, at first i thought it's nothing so i kept driving in the lane , i thought i'd just run over it or w/e it will be fine, as i was getting closer to the object it became much bigger than it seemed at first, so i'm like w/e i'll switch the lane to the right..as i approach it i realize it was a huge fucking ladder that fell of a construction truck. WOW if i fucking ran over that thing i'd probably be dead by now..

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Originally posted by london_ta I think ur retarded.

Alright smart guy... this is a single vehicle accident... meaning the only person involved is the driver of the vehicle... who was negligent; subsequently, at fault?

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Originally posted by Moral Hazard Alright smart guy... this is a single vehicle accident... meaning the only person involved is the driver of the vehicle... who was negligent; subsequently, at fault?

now if only he hit a deer

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Originally posted by ChemEnhanced now if only he hit a deer

Technically that's still an at-fault collision... but most insurers don't treat it as such... of course you already know this.

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Originally posted by Moral Hazard Technically that's still an at-fault collision... but most insurers don't treat it as such... of course you already know this.

I know...they should never have changed it to a comp. claim from a collision claim.....but I can see how in some cases a driver would not be able to avoid a collision with a deer.

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

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Originally posted by urban_legend Question though, why the hell did you waste money on a tow? It sounds like the car was drivable?

It wasn't drivable.

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Originally posted by Moral Hazard It does not matter... you are responsible for paying sufficient attention and driving with sufficient care that you can avoid collision.

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Originally posted by Nicolas Oliver 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.

In addition, there were cars passing by me in the adjacent lanes and, so, if I had swerved violently I might have collided with another driver.

Respectfully, I don't appreciate your condescending tone MH; it's unnecessary.

yeah you're pretty much out of luck. i totalled my car when i hit a deer which was impossible to avoid but still had to pay the deductible. i also had a huge tree branch fall on my car during a storm and had to pay the deductible. clearly not my fault other then the fact that i was the one that parked under it.

Ugh fucking car insurance. Legalized extortion.

sorry that had to happen to ya ...my buddy ran over a truck tire and it got lodged underneath his bmw which was lowered and it made his car loose all control ended up in teh ditch. He was so lucky he was not paralyzed. It took him like 6 months to recover with a neck brace. I think the only thing you can do thank the lord your alright.
I do have to say some of these truck drivers don't give two shits and aren't held responsible for tires/scrap off their truck. If i see this i am going to get my camera take a picture of his plates with everything and report them.

quote:

Originally posted by Moral Hazard Alright smart guy... this is a single vehicle accident... meaning the only person involved is the driver of the vehicle... who was negligent; subsequently, at fault?

As I said before... your a retard.

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

If you want to call someone a retard, at least learn to spell so that you don't look like one. It's you're.

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Originally posted by me@t k@tie If you want to call someone a retard, at least learn to spell so that you don't look like one. It's you're.

Thanks for that lesson teacher. Your a retard too!

quote:

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

fuck, it's YOU ARE or YOU'RE

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