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Who else got into an accident today :( :( :( :( (pg. 8)
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| zoogla |
| quote: | Originally posted by ChemEnhanced
Actually....it will cost you more to get it repaired when not going through insurance. The hourly rate that can be charged for insurance claims is about $15-$20 less then they can charge privately. |
hee hee hee except for my buddy who charges me the same labor rate as insurance ;) :D And we're talkin' HONDA dealership here :p |
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| StereoPrincess |
| quote: | Originally posted by fayraree
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? |
no recorded as an at fault accident because it wasn't my fault and the other people paid out of their pocket for the repair. $700 worth of quarter panel work.
| quote: | | Same question goes for your second example...were both of these the other person's fault? If so, you're clear! |
the second unfortunately was big time my fault just like you. i rear ended someone. the reason why i pay insurance is for this type of accident. i paid an 800 dollar deducitible for 8500 worth of damage. good deal if you ask me. i don't know what is going to happen with my rates when i get the insurance renewed but i think i was paying an extra 4 dollars a year for a 9* rating protection where my first claim won't raise my premiums. |
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| StereoPrincess |
| quote: | Originally posted by ChemEnhanced
I will try to explain this situation as how it would work in insurance. Our crazy MoFo Fahad here.....slips into the ass end of this biatch.....well the Ontario Government set out a set of rules as to who would be liable for the accident. The adjuster for this lady would look at the set of rules and note that Fault determination Rule 6 (2) would indicate that Fahad was at fault. This would mean as long as Fahad's insurance company writes insurance in Ontario or is licensed to write insurance in ontario that her claim would be handled under the Direct Compensation Portion of the auto policy. Under this section of the policy her own insurance company would pay for her damages plus a rental car if need be. Normally there is no deductible for Direct Compensation claims however, in some cases there are. So after her vehicle is fixed and her insurance company has paid for the damages then the claim is over. Her insurance company would not go back after Fahads company.....that is why it's called no fault.....because no matter who is at fault...you only deal with your insurance company and your insurance company will make all payments with no subrogation.
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ok, well at least i know next time that i don't have to show anyone my insurance slips because it doesn't matter.
then by the looks of it you are in the clear fahad no matter what happens. just get your car repaired as quickly as possible and you are ready to roll again. |
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| Protosis |
| quote: | Originally posted by riskytrader
I have had 3 accidents so far with my bimmer (one of which was a hit and run...two of which were completely my fault) however never under any circumstances should you report it to the collision centre unless you are going through insurance. We got screwed once because we reported it but didn't know it got back to our insurance company even though we took care of it ourselves.
Also, body shops do not have to report anything and usually cut you a deal because you aren't going through insurance...well, i also happen to be a repeat customer and they know I can't drive for $hit. |
omg if my bimmer got into an accident I would cry.
I'm going to the garage to caress my baby. |
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| yankeeBaby |
| Fahad: I am sooo glad you are ok hun!!!!!!!!!!!:eyes: :sadgreen: |
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| TrinityGirl |
| didn't get to an accident but my car broke down on its own- power steering- it was such a bitch to drive too- had it fixed today for only $ 525 - the mechanic did some other minor things as well but still that much $ b4 Christmas....uh.... painful |
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| riskytrader |
| So how crasy is this? I was reading this thread yesterday and got a call from a good friend who said she just got rear ended because some idiot two cars in front of her pulled an illegal u-turn. The guy in front of her swerved out of the way, she managed not to hit him but the idiot lady behind her obviously wasn't paying attention to any of this and because of the icy conditions went slam right into her. She's okay thank god but it's just ironic to be reading the title of this thread and boom :( |
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| zoogla |
| quote: | Originally posted by Protosis
omg if my bimmer got into an accident I would cry.
I'm going to the garage to caress my baby. |
I honestly, seriously, respect you. :) Lucky car. ;) Mine--not that much :(
Thanks, Kelly babes!
Awww, Paula! :( That sux.
And , risky...from now on I'm the biggest hater of rear-ending accidents. What a stupid, avoidable accident. I HATE THEM!!! :mad: :whip: |
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| zoogla |
w000000000t going to bed early today so that I can drop off my car in Etobicoke by 7 am tomorrow!!! FINALLY getting it fixed!!! :D :D :D
I can't wait to have my baby back as good as new! :( Still sad about it though :(
THANK YOU NADA FOR HAVING THE COOLEST BF IN THE WORLD!!!
ALI RAWKS!!!!
(thanks for the hook up! ;))
P.S. I'm feeling kinda lucky...no insurance/collision centre has called me yet!!1 (oops hope I didn't just jinx it--it's been over a week now!) |
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| DarkAngel |
| quote: | Originally posted by fayraree
w000000000t going to bed early today so that I can drop off my car in Etobicoke by 7 am tomorrow!!! FINALLY getting it fixed!!! :D :D :D
I can't wait to have my baby back as good as new! :( Still sad about it though :(
THANK YOU NADA FOR HAVING THE COOLEST BF IN THE WORLD!!!
ALI RAWKS!!!!
(thanks for the hook up! ;))
P.S. I'm feeling kinda lucky...no insurance/collision centre has called me yet!!1 (oops hope I didn't just jinx it--it's been over a week now!) |
Real glad to hear things have picked up, Fahad. :D |
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| dance2dabeat |
Thank god u are ok hunny.
Sorry to hear about ur car...I know she is very pretty from that one time you drove me home from Viva...but she is only a car. Your well being is more important. |
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| Supaphlie |
This is why i would rather have a house than a condo.
besides doing engine work. I also do bodywork.
a few years back i got into a fairly nasty accident on the gardner W. 6 cars involved - my truck took the most damage. everyone was slamming on the brakes to slow down for an accident that just happend, i was slowing down enough but some guy just cut infront of me at the last second while i was hit from behind by a taxi. which pushed me into the guy infront of me - i took his rear bumper dead center of my rad/just above my bumper. then i spun and went into the guard rail. the entire front end of my truck was crumpled in.
after being towed to the accident center. turns out i had $8,000 damage on a truck i only paid $600 for. they wanted to scrap it, i said i was going to fix it. got into a big argument with a few of the cops. I had to sign a few legal waivers to release the truck. but i would have to bring it back after the repairs were made (I had a fat cop laugh at me and said it will never be on the road again) - and he says that if i bring it back he will check it himself.
3 days later i return driving my truck.
the same cops are there that i delt with earlier, but im looking for the fat cop. i find him having a coffee. he says he's not going to check it. so i yell at him for a bit (every $%#% name you can think of), and he checks the truck. - it passes.
my costs for repair (myself) - total $850
$300 for the tow.
$200 for a new rad.
$200 for misc parts
$150 for a 1988 Chev blazer (i have an 88 GMC Jimmy)
I wish i still had the pictures i took while i was repairing the truck. - i had to cut off the front of the body and had to pull the frame straight. so now, the front end of my truck is a chev while the rear end is a GMC. |
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