Got struck by a hit and run drunk driver

edward261 wrote: Hello, I also caught by cop. I was drunk and cop caught me. They charge me a fine of $300. I hate cop But thanks to god i already insured myself as a drunk insurance My lawyer pay the bill  i am free to go.....

edward261 wrote: Hello, I also caught by cop. I was drunk and cop caught me. They charge me a fine of $300. I hate cop But thanks to god i already insured myself as a drunk insurance My lawyer pay the bill  i am free to go.....

$300 for a drunk driving charge is all it is in Romania? Wow.... Talk about getting off the hook lightly!

impulse418 wrote: The drunk had insurance?

Cool, enjoy. Avoid hit and run drivers!

KBK

Heard from the insurance company yesterday.  As suspected, the car is a total loss.  They estimated total damage to be $18,000.  After the insurance adjuster went over the options of the car with me she came up with a pay out of $17,646.56.  I still owe $12,205, so after they pay off the bank that holds the lien on the car, I'll get a check cut for the remainder.  I should be getting another call from the insurance company today or tomorrow asking about the bank information so they can get the ball rolling on paying off the loan.  Hopefully, I'll get a check sometime early next week as a result.

Edited by StormyKnight - 10 January 2013 at 9:36am

I ask about gender as the European court has just made it illegal to rate differently between genders. I thinks that's a bit daft as all rates can be "justified" by the statistics. 

Basically some eejit was insuring a car for his twins, one male and the other female. Naturally all other factors were identical but the insurer still wanted more money for the son. He figured he'd fight this injustice on behalf of people everywhere. He probably figured he was doing everyone a favour. 

scotchyscotch wrote: Do US/Canuckistan insurers still rate male/female differently?

Yep. They do. Although it seems to be shifting to an equilibrium the more that time goes on.

Determining factors in the US are:
Age
Marital Status
Grade Point Average (if you are a student)
Location
Miles driven to and from work
Miles driven per year
Gender
Vehicle Make
Vehicle Type
Vehicle Model
Engine Displacement
Theft Deterrent
Where the vehicle is parked (secured garage? outside? on the street?)
Age of vehicle
Mileage on the vehicle
Driver's driving record
Number of claims

I'm sure there's more, but those are the ones I know off-hand.

For example, a brand new 2004 V6 Mazda 6s will run you more than a brabd bew 2004 4cyl Mazda 6, but both will be cheaper than a 2003 Subaru Impreza 2.5RS with 36,000 miles on it if you're under 25 and male. The reason? As the agent explained to me, the 6 is deemed a "family sedan" while the 2.5RS was considered a "racing enthusiast's car." In fact, a 2004 WRX STi carried lower rates for me than my old 03 2.5RS because the agent said "It's considered out of the price range of the typical street hooning kid"

oldpbnoob wrote: evillepaintball wrote: I wish my deductible was $100.  It's $1,000.  I drive an 05 MB Convertible.  I got a quote on an 05 Focus and it was $2600 as well.  I think the biggest factor is that the liability coverage over here is 1.5m Euros for property damage and 15m Euros for medical liability.   Ouch. I forgot you were over there. I've heard that insurance in Europe(specifically Germany) was ridiculous. Its why so many people rely on public transportation.

For the year, insurance for an 05 tC is about $1400 since I got it to now and I am now 21. I have a $300 deductible because I pay more yearly instead of paying less and getting hit by a $600 deductible. I have used it once because someone ran into my bumper while I was at work and of course no note was left.

I think we pay something like $600/year for 2 drivers on 3 cars. Eville, what kind of car are you driving? That used to have a pretty big effect on rates back when it mattered for me. I had insurance for like $1200/year at one point and then when the insurance company found out my Celica was actually a Supra, they jacked it up to nearly $2k per year. I sold the car that month.