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Got struck by a hit and run drunk driver

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Topic: Got struck by a hit and run drunk driver
Posted By: StormyKnight
Subject: Got struck by a hit and run drunk driver
Date Posted: 03 January 2013 at 9:56am
Last night on my way to my work location, I was at an intersection waiting for the light to turn green when I happened to look up at my rear view mirror a split second before I saw a car speeding at me.  The screech of tires at the moment of impact was my only warning.
 
My car was launched across the intersection.  There is no real way to describe the sensation of sound and obscene acceleration I experienced.  OnStar chimed in and a person started talking to me saying the car had been in an accident and was asking me if I was ok.  A guy who witnessed the accident from the oncoming lane on the other side of the light checked on me and told me the guy turned right at the intersection and took off steaming and smoking.  Said it was a dark colored SUV.
 
Cops show up asking me if I'm ok.  Was really jacked up on adrenalin so my bodily checklist was offline.  The witness was giving them info and I saw one of the cop cars speed off down the road where they guy had went.  Called my facility to tell them I was in an accident and I wasn't making it to the job site anytime soon.  Called my wife to tell her what happened and that I was ok.  Ambulance shows up and the cops say I should have them check me out especially as I was on the clock.  Transported to the ER where I spent around 3.5 hrs.  Several sets of vitals and a CAT scan later, I was pronounced with a sprained neck and prescribed Vicodin, Valium and Motrin.  My supervisor showed up 3 times to check on me, the third time with a critical incident report I had to fill out.  My parents kept me company and lent me one of their cars so I could get home.  Thankful that they lived close by for the assist.
 
Cops also showed up a couple of times.  They caught the idiot that hit me.  He was actually in the ER getting blood drawn since he refused the PBT.  I asked if I could see him.  They declined my request much to my disappointment.  He was definitely wasted.  3rd DWI or DUI as they called it.  Driving on a revoked or suspended license and no insurance to speak of.
 
All in all, the Public Safety officers and the medical staff were professional and courteous and I very much appreciated it all.  Today is my last full day of a free 3 month OnStar promotion and I am really glad I had it last night.  My cellphone and mount were still securely attached to the windshield, so I could have used the bluetooth connectivity to call for assistance, it just wouldn't have been as fast.  Never got to thank the witness before the police allowed him to leave.  He was very helpful when the OnStar representative and the police were asking their questions.
 
So, I guess I can honestly say my New Year started out with a bang.  Confused


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Replies:
Posted By: impulse418
Date Posted: 03 January 2013 at 10:24am
Glad to hear you are okay stormy. Sounds like you deserve some PTO.

3rd dui, with the 3rd including physical harm to victim. That will be some serious prison time. (At least here in Arizona). Hopefully he attends AA meetings while he's in there.


Posted By: Kayback
Date Posted: 03 January 2013 at 10:47am
Hope you heal up ok!

KBK

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Pedicabo ego vos et irrumabo. H = 2


Posted By: Rofl_Mao
Date Posted: 03 January 2013 at 11:00am
Originally posted by impulse418 impulse418 wrote:

That will be some serious prison time.


Let's hope! People like that shouldn't be able to drive ever again. I have no respect for drunk drivers.


Posted By: StormyKnight
Date Posted: 03 January 2013 at 11:21am
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.  Embarrassed
 
Yeah, he's facing some severe penalties.  3rd DUI/DWI.  Leaving the scene of an accident.  Causing an accident where injury is involved.  Other property damage as he fled.  He left some ugly bread crumbs that the cops had no problem following.  Of course, there is the glaring front damage of his SUV that smoked and steamed as he went.  The cops that brought him to the ER said he wasn't injured.  Thats ok.  Karma is a cruel mistress.


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Posted By: RoboCop
Date Posted: 03 January 2013 at 11:37am
Glad you survived! Pictures or it didn't happen. 

Get well soon. Sue his butt.


Posted By: impulse418
Date Posted: 03 January 2013 at 11:53am
Originally posted by RoboCop RoboCop wrote:

Glad you survived! Pictures or it didn't happen. 

Get well soon. Sue his butt.


The only assets he has, is probably some beer cozies and smokes.


Posted By: Mack
Date Posted: 03 January 2013 at 12:25pm
Originally posted by impulse418 impulse418 wrote:

Originally posted by RoboCop RoboCop wrote:

Glad you survived! Pictures or it didn't happen. 

Get well soon. Sue his butt.


The only assets he has, is probably some beer cozies and smokes.


Just because the jerk only has a few belongings and they are probably junk is no reason not to take them anyway.

Glad to hear you're ok.

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


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Posted By: Kayback
Date Posted: 03 January 2013 at 2:48pm
Here it would probably be a judge who'd run into you.

KBK

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Pedicabo ego vos et irrumabo. H = 2


Posted By: tallen702
Date Posted: 03 January 2013 at 4:51pm
Originally posted by impulse418 impulse418 wrote:


Originally posted by RoboCop RoboCop wrote:

Glad you survived! Pictures or it didn't happen. 

Get well soon. Sue his butt.


The only assets he has, is probably some beer cozies and smokes.


Wage garnishment is a revenge dish best served cold....


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Posted By: procarbinefreak
Date Posted: 03 January 2013 at 4:57pm
Originally posted by Mack Mack wrote:

If this happened up here, it would be a double digit DUI and he'd get a slap on the wrist.
 
Sounds about right for WI too.  Apparently 2012 was the year of the drunk wrong way freeway driver down in the Milwaukee area.  I think the total was up near 40 for the year.


Posted By: Yomillio
Date Posted: 03 January 2013 at 5:16pm
Originally posted by tallen702 tallen702 wrote:

Originally posted by impulse418 impulse418 wrote:


Originally posted by RoboCop RoboCop wrote:

Glad you survived! Pictures or it didn't happen. 

Get well soon. Sue his butt.


The only assets he has, is probably some beer cozies and smokes.


Wage garnishment is a revenge dish best served cold....

Thats no joke - some of the guys I know can work all week and bring home almost nothing.


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Posted By: impulse418
Date Posted: 03 January 2013 at 5:21pm
Originally posted by StormyKnight 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.  Embarrassed
 


Great friends.


Posted By: StormyKnight
Date Posted: 04 January 2013 at 6:41am
Originally posted by tallen702 tallen702 wrote:

Originally posted by impulse418 impulse418 wrote:


Originally posted by RoboCop RoboCop wrote:

Glad you survived! Pictures or it didn't happen. 

Get well soon. Sue his butt.


The only assets he has, is probably some beer cozies and smokes.


Wage garnishment is a revenge dish best served cold....
Heh.  Wage garnishmnet.  LOL  Where he'll be working, he'd be lucky to make $.13/hr working in the kitchen...
 


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Posted By: StormyKnight
Date Posted: 04 January 2013 at 7:22am
Originally posted by RoboCop RoboCop wrote:

Glad you survived! Pictures or it didn't happen. 

Get well soon. Sue his butt.
The day I bought her.
 
 
 
 
Pics taken the other day in the impound yard where it is being stored until my insurance company tows it to the bodyshop for evaluation.
 
Can't believe one stitch of glass broke.  How amazing is that???
 
 


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Posted By: FreeEnterprise
Date Posted: 04 January 2013 at 9:38am
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). 

Your car did a good job of protecting the occupants, especially when you see all the damage at the door seams... He must have been FLYING when he hit you. 

If he was driving under a suspended license, he probably was using someone else's car... And THEY have insurance that would cover you! 

My guess on the car damage is $13,000. 

Soft tissue damage to your back is nothing to mess around with. 


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They tremble at my name...


Posted By: StormyKnight
Date Posted: 04 January 2013 at 10:35am
Originally posted by FreeEnterprise 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).
I'll ask my wife.  She's a Chiropractor.  She might know a good one.  Wink
Originally posted by FreeEnterprise FreeEnterprise wrote:

Your car did a good job of protecting the occupants, especially when you see all the damage at the door seams... He must have been FLYING when he hit you.
I have to admit, the safety features in the frame itself seems to have absorbed or re-directed the brunt of the energy.  He was moving.  I only saw him maybe 4 car lengths away before he got me.  I didn't have time to draw a breath.  The posted speed limit is 45 mph.  He was easily IMHO doing 10 over before the collision. 

Originally posted by FreeEnterprise FreeEnterprise wrote:

If he was driving under a suspended license, he probably was using someone else's car... And THEY have insurance that would cover you!
This is an unknown at this time.  I'm travelling back down to the area to stop by the Public Safety office to see if I can get a copy of the accident report, then I have to go to the Prosecutor's office at the courthouse to sign some documentation in regards to the accident.  I'll see what I can learn from there as well.  Last but not least, I'm going to see if the impound yard still has the car so I can get some of my stuff out of it. 

Originally posted by FreeEnterprise FreeEnterprise wrote:

My guess on the car damage is $13,000.
We'll see.  If the frame is as bad as I think it is, they might end up totalling it.  That would be a shame, I really liked that car.  It isn't a fitting end for my first new car purchase. 

Originally posted by FreeEnterprise FreeEnterprise wrote:

Soft tissue damage to your back is nothing to mess around with.
Agreed.  I'm plenty sore.   I'll let the meds handle the discomfort.


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Posted By: ammolord
Date Posted: 04 January 2013 at 10:44am
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).

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PSN Tag: AmmoLord
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~Minister of Tinkering With Things That Go "BOOM!"(AKA Minister of Munitions)~


Posted By: StormyKnight
Date Posted: 04 January 2013 at 8:48pm
Originally posted by ammolord 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).
 
I noticed that.  I took some more pics of it today when I emptied her out this morning.  I'll put them up tomorrow.


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Posted By: Reb Cpl
Date Posted: 05 January 2013 at 6:07am
Certainly glad you're largely okay, and that can't be said enough.




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Posted By: StormyKnight
Date Posted: 06 January 2013 at 11:27am
Pics I took after I got all my stuff out of the car.
 
 
 
 
 
 
 
I found I could open each door, even the tailgate amazingly enough.  All the stuff in the back is what they shoveled off the street that appeared to belong to my car.  Spoke with the guy at the impound yard.  He was amazed the guy got away, much less get as far as 5 miles away.  Said he found half the guys battery in the middle of the intersection.
 
Found out what I got hit by as well from the accident report.  A 2007 Kia Sportage.  The clerk at the Public Safety Office said she was still busy putting together a list of mailboxes the idiot hit as he fled the scene.  It is a miracle that he didn't hit anyone else before he got caught.


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Posted By: oldpbnoob
Date Posted: 07 January 2013 at 8:08pm

Glad you're ok. Yeah, my guess is it's totaled considering they would essentially have to cut the car off at about the middle of the back doors and replace it. Cheaper/easier to total it. If they fix it, it will never be right.



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"When I grow up I want to marry a rich man and live in a condor next to the beach" -- My 7yr old daughter.


Posted By: Ace_Of_Spades
Date Posted: 07 January 2013 at 8:13pm
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.
 
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.


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J. Thompson #5150- http://www.pbnation.com/showthread.php?t=2945831 - Happiness Is A Tupperware Fed Weapon


Posted By: oldpbnoob
Date Posted: 07 January 2013 at 8:22pm
Originally posted by Ace_Of_Spades 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.

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"When I grow up I want to marry a rich man and live in a condor next to the beach" -- My 7yr old daughter.


Posted By: Ace_Of_Spades
Date Posted: 07 January 2013 at 8:56pm
Originally posted by oldpbnoob oldpbnoob wrote:

Originally posted by Ace_Of_Spades 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.
 
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.
 
4 of mine were totalled out of the 6 with 2 being technically totalled because the repairs would have been more than the car's value.
 
I think the scariest accident I had been in was when I was still in highschool. Was driving to school like any other day and was taking the exit off the highway to keep the local hole-in-the-wall donut shop afloat with my purchase when a brand new Chevy 2500 pulling a 25ft. gooseneck trailor flew by me and decided halfway through passing me that it was a good time to get into my lane to take the exit as well. Unfortunately for me I had only a few seconds to decide whether to make a multicar pile-up or take my chances hitting the service road that was 25ft. straight down. I took the high dive going 45, hit the service road somehow threadnig the needle between two cars down there, bounced like a bouncy ball into a 4 ft deep cement culvert, somehow bounced again out of that and came to a stop in a guy's front lawn. None of my airbags deployed and I left the steering wheel with a nice dent from my chest hitting it.
 
The funny thing is that the first thing I did was go to the owner of the lawn I just excavated and let him know I was terribly sorry about it.He then proceded to tell me he has seen many cars throughout his 40+ years of living there fly off the highway and that I was the first to not have my vehicle roll over in the process. I then called my father, who's a police officer, to let him know I just flew my truck off the highway like a failed RedBull human glider competition and that I was fine but the truck is pretty beat up.
 
I somehow managed to have gotten the front license plate of the truck as it flew by me monets before it cut me off seared into my brain, so my father managed to pull some strings in his department and got the whole legal ball rolling VERY quickly.
 
We ended up driving the truck to the wrecker, which I find amazing the frame held together as well as it did considering the angle of impact from both the service road and the culvert. The frame machine at the wrecker almost broke trying to realign the frame of the truck as well... Which is why I am now a devout follower of Dodge trucks.
 
TL;DR - I flew off a highway in a Dodge 1500 onto a service road which was 25ft. down after being cut off, sustained 4 broken ribs after the adrenaline wore off and managed to still drive the truck to the wrecker.


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J. Thompson #5150- http://www.pbnation.com/showthread.php?t=2945831 - Happiness Is A Tupperware Fed Weapon


Posted By: oldpbnoob
Date Posted: 08 January 2013 at 8:20am
Originally posted by Ace_Of_Spades 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.

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"When I grow up I want to marry a rich man and live in a condor next to the beach" -- My 7yr old daughter.


Posted By: tallen702
Date Posted: 08 January 2013 at 8:43am
Originally posted by oldpbnoob oldpbnoob wrote:

Originally posted by Ace_Of_Spades 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.


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Posted By: JohnnyCanuck
Date Posted: 08 January 2013 at 9:15am
Here in B.C., you have no choice, it's ICBC, an insurance company run by the province.  You can get private comprehensive, but the main insurance is through them.  You can have as many accidents as you want, they just keep hiking your rate.  I haven't had a claim in over 30 years, no tickets for 11 and my insurance for my '93 yota 4x4 is over $1000.  In Alberta, it would be $396 full coverage.

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Imagine there’s a picture of your favourite thing here.


Posted By: evillepaintball
Date Posted: 08 January 2013 at 12:17pm
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.

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Posted By: tallen702
Date Posted: 08 January 2013 at 2:23pm
Originally posted by evillepaintball evillepaintball wrote:

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.


Hah! Hahahahahha! Hahahhahahahahahahaha!

I pay what you would pay for just liability for two fully insured cars with $100 deductibles on each AND my house with a $0 deductible!

I guess there ARE advantages to getting older/hitched.

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Posted By: oldpbnoob
Date Posted: 08 January 2013 at 6:10pm
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.

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"When I grow up I want to marry a rich man and live in a condor next to the beach" -- My 7yr old daughter.


Posted By: evillepaintball
Date Posted: 09 January 2013 at 1:53pm
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.  

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Posted By: RoboCop
Date Posted: 09 January 2013 at 2:13pm
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.


Posted By: oldpbnoob
Date Posted: 09 January 2013 at 2:21pm
Originally posted by evillepaintball 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.

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"When I grow up I want to marry a rich man and live in a condor next to the beach" -- My 7yr old daughter.


Posted By: scotchyscotch
Date Posted: 09 January 2013 at 6:14pm
Originally posted by oldpbnoob oldpbnoob wrote:

Originally posted by evillepaintball 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.

I actually work in personal motor insurance at the minute. It's definitely hit and miss, to this day I'm still convinced that our "pricing algorythm" is actually a locked room with a monkey slapping it's balls on a calculator. Insurance pricing is an extremely complex beast.

Now that's not to say it's always really high. I'd say the average price I see for  25+ married with a "normal" car is about £300 - £400. However my mate got a quote through for a 2005 Vauxhall Astra 1.6l diesel for £32,000 annual premium . It's an insurance companies way of telling you that you'd do better elsewhere and we don't want your risk. The driver was 17 but still I've covered hundreds his age and they usually come out at a couple of grand.

Do US/Canuckistan insurers still rate male/female differently? 

The policies I deal with (Aviva) are £20m third party property and unlimited medical/damages to person liability.

I think 4 fault claims in 4 years and we wouldn't want to renew your policy and a lot of non-fault will likely do the same and something worth remembering that fault isn't always about who was to blame for the incident. If an insurance company takes ANY sort of hit on a claim then you can rest assured they are viewing the incident as though you did it for a laugh.


Posted By: RoboCop
Date Posted: 09 January 2013 at 6:46pm
I think it sucks when I pay the insurance company thousands of dollars and have only asked for $150 after deductible.


Posted By: tallen702
Date Posted: 09 January 2013 at 7:09pm
Originally posted by scotchyscotch 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"

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Posted By: brihard
Date Posted: 09 January 2013 at 7:32pm
Grade point average? Seriously?

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"Abortion is not "choice" in America. It is forced and the democrats are behind it, with the goal of eugenics at its foundation."

-FreeEnterprise, 21 April 2011.

Yup, he actually said that.


Posted By: scotchyscotch
Date Posted: 09 January 2013 at 7:53pm
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. 

Nope.

Now since the insurers have to rate equally which way do you think they'll go. They can lower premiums for male drivers to that of females or they can bring females in line with males. Yea they are, in general, raising insurance for ladies. So this wang is now likely to pay higher premiums for the twins as a result of his crusade.

GPA does seem a bit daft. Insurance is the major thing keeping me off the road and from my experience I think when I do get a quote for my first car I'll be lying through my teeth about my circumstances. My car will not be worth claiming on anyway and even if the insurer finds out I was lying they'll still need to pay third party costs so my conscience will be pretty much clear. 


Posted By: SSOK
Date Posted: 09 January 2013 at 9:21pm
For the most part driving an older vehicle doesn't have a ton of advantages, but I love cheap insurance. My truck turns 20 this year and my insurance (on the vehicle) is next to nothing because my dad legally owns it. I am paying an absurd amount of money to insure myself though.

Also, if I get in any sort of accident, I am sure the insurance company is just going to write me a check for $1200 and total my truck. I know someone who owned a 1993 Lightning and got sideswiped and the insurance company tried to write it off for around that price when fair market value for a real lightning is around 10k.

Edit: I thought I posted this earlier but apparently I didn't. Glad to hear you're okay. When I used to work at the junkyard we were told that any vehicle that had the airbags deploy had to be totaled but it may be hearsay. Looking at how warped your car looks I definitely would want a new car even if they did offer to fix it. I never did like unibody designs.


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Posted By: StormyKnight
Date Posted: 10 January 2013 at 9:36am
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.
I've been searching online for a replacement vehicle and found two nearly identical to the one I had only they are 2012 models.  One is brand new and the other has 8001 miles on it.  The brand new one is eligible for GM incentives like 60 month 0% financing, $1000 EVA and GM family discount.  The only thing left is to haggle on the sticker price on top of the discounts.  I'll have to call the dealership to verify that the above mentioned incentives do apply to that vehicle.


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Posted By: StormyKnight
Date Posted: 28 January 2013 at 12:57pm
Well, after a long grueling wait for the insurance company to get me my check, I finally got my new car today.   2013 Malibu 2LT.  Roads were messy after our 'little' stormy last night, so I'll wait on getting some pictures up when the weather clears a little more.  She's a pretty little thing.  Have to get used to the infotainment system.  The bluetooth controls are far different than what I had in the Equinox.  Laters...
 
 
 
 


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Posted By: Kayback
Date Posted: 28 January 2013 at 2:46pm
Cool, enjoy. Avoid hit and run drivers!

KBK

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Pedicabo ego vos et irrumabo. H = 2


Posted By: impulse418
Date Posted: 28 January 2013 at 5:09pm
The drunk had insurance? 


Posted By: StormyKnight
Date Posted: 29 January 2013 at 4:53pm
Originally posted by impulse418 impulse418 wrote:

The drunk had insurance? 
No he didn't.  He was driving his mother's car on a revoked/suspended license.  She HAD insurance.  HAD meaning past tense.  Most insurance companies will void insurance if a driver was DUI/OWI.  My brother has 3 OWI convictions on his record.  While I was living with him, the insurance companies somehow knew it.  Each of my proofs of insurance had his name displayed prominently at the bottom stating that coverage was null and void if he was caught operating any of my vehicles.  I can only imagine this was the same with this guy's mother.  If she lost her insurance, her car is gone for good, unless he threw himself under the bus for her and told authorities that he took the car without her knowledge.  Even then, I don't think that would be good enough.
 
Anyway, pics of the new ride are posted above.


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Posted By: edward261
Date Posted: 08 March 2017 at 5:05pm
Originally posted by StormyKnight StormyKnight wrote:

Originally posted by impulse418 impulse418 wrote:

The drunk had insurance? 
No he didn't.  He was driving his mother's car on a revoked/suspended license.  She HAD insurance.  HAD meaning past tense.  Most insurance companies will void insurance if a driver was.  My brother has 3 OWI convictions on his record.  While I was living with him, the insurance companies somehow knew it.  Each of my proofs of insurance had his name displayed prominently at the bottom stating that coverage was null and void if he was caught operating any of my vehicles.  I can only imagine this was the same with this guy's mother.  If she lost her insurance, her car is gone for good, unless he threw himself under the bus for her and told authorities that he took the car without her knowledge.  Even then, I don't think that would be good enough.
 
Anyway, pics of the new ride are posted above.

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.....


Posted By: tallen702
Date Posted: 08 March 2017 at 6:35pm
Originally posted by edward261 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!


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<Removed overly wide sig. Tsk, you know better.>


Posted By: RoboCop
Date Posted: 08 March 2017 at 11:38pm
Didn't look at the date and read up to one of my posts thinking this was new. Welp.


Posted By: StormyKnight
Date Posted: 13 March 2017 at 10:29pm
Originally posted by edward261 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.....
So, what is the fine when you kill somebody while drunk driving in Romania?  $600??  How much of that will your lawyer pay?


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