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.

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Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

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.

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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 RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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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.

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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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?

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Marco V is the MAN!!!!!

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.

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down