Got struck by a hit and run drunk driver

I can't wait until I hit 25 this year.  I have a spotless record with no tickets or accidents of any kind.  My insurance is $2,800 per year for comprehensive.  If I would have just gotten liability, it would have been $2,600.

oldpbnoob wrote: Ace_Of_Spades wrote: Well thankfully I was a part of my family's insurance. They all had not a blemish on their records. I seemed to have been the bad egg among the 4 of us on the insurance. Although my older sister has been in 3, of which 2 were her fault to which both were completely totalled.   I was on my mothers policy. They dropped both of us. Only explanation given was that we had too many claims. Of course this was 20 years ago, perhaps some companies changed their policies.

Some companies will still drop you. Erie, for example, will or would at least a few years ago. Anymore, the auto insurance market is so competitive that companies would rather simply raise your rates and let you self-drop in favor of another company that's willing to undercut them, than drop you from coverage. Most insurance companies don't even raise their rates unless you're totaling a vehicle every year. The reason is that they don't even look at your driving record after they bring you on. Tickets rarely raise your rates with your current company because it's too expensive for them to pull a report on you after the initial one. My agent for home and auto was apologizing all over himself for not being able to beat GEICO's auto rate for us (though our combined rate with Liberty was lower than it would have been with GEICO) because I had a speeding ticket somewhere between when I picked up GEICO and when we got our quote with Liberty Mutual. He said that GEICO didn't pull another report on me after we signed up, so they didn't even know about it, hence their rate would have been lower.

oldpbnoob wrote: Ace_Of_Spades wrote: I'm only 22 and have gone through 6 vehicles to which none were my fault. All the defensive... and even offensive driving can't stop the freak surprises I have been through. Bad luck i suppose. What sucks is that your insurance company can still drop you with a record like this. I got dropped by my insurance company when I was like 20 for having too many claims. None of which were my fault.

Having been rear ended and T-boned more than once in various different vehicle models, I'm surprised at the amount of damage  your vehicle did NOT receive. For him to launch you across the intersection he must have been going ~40-50mph. I've been hit by 2 different drunk drivers and each time the rear end of my vehicle was slaughtered, not drivable at all. One of the instances my right rear wheel was launched into some poor guy's house window across the street.

Edited by Ace_Of_Spades - 07 January 2013 at 8:14pm

Pics I took after I got all my stuff out of the car.

ammolord wrote: Wow, glad to see you're ok. Hit ya hard enough to knock the o out of equinox. From everything I know about auto collision repair I would guess they'll total it, the roof even tweaked (look above the rear doors).

FreeEnterprise wrote: Wow... Glad  you are "OK", course impacts like that take a LONG time to heal. I would find a GOOD chiropractor, (many are not, it is hard to find a good one... ask around).

RoboCop wrote: Glad you survived! Pictures or it didn't happen.  Get well soon. Sue his butt.

Edited by StormyKnight - 04 January 2013 at 7:23am

StormyKnight wrote: He'll be residing in MY facility for a little bit after he's convicted.  He'll be in protective custody where I can't get to him, but I have friends in low places.

Great friends.

Mack wrote: If this happened up here, it would be a double digit DUI and he'd get a slap on the wrist.