CRAP!!! I got into an accident today!!!

[Doggiedog]

Originally posted by: DougK62

Originally posted by: Millenium
You have to understand that most people on this forum don't live in reality. They think people make mistakes and say oh fvck, when in reality you wish to correct the situation. Your best bet would be talk to her and try to work out an agreement. You exchaged information right? Call her and tell her you are willing to have her automobile fixed as soon as she wishes.

You are right that you shouldn't have been driving without insurance. Doing so not only opens you up for liability, but it is the reason insurance rates are more to add coverage for uninsured drivers. I suggest you make arrangements next time to prevent something like this happening. Your situation could have been a lot more tragic.

As for the people who have never made a mistake I am proud of you. Everyone can sit back on this messageboard and life coach, but some of us live in reality. Sure he should have had insurance. I don't think anyone is arguing against that. He also knows it wasn't smart to be driving without insurance. What is with this kick me when I am down syndrome as of late on ATOT?

Just wondering...

Mill

What do you mean "as of late"? The ATOT crowd has been high on this for as long as I can remember. Unfortunately, it seems to be a trademark of the forum

BTW, I agree with your post.

The man conscientiously went out and did something illegal knowing it was wrong to do. He rolled the dice and they came up snake eyes. If he was insured and someone hit him or he hit someone accidentally, then he would get my sympathies but I and from what I can see others on this board have no sympathy for someone who does something blatantly illegal.

And before you ask, yes, of course I've sped before but I hardly speed at all these days and I will never expect people to have sympathy for me if I do get caught or cause an accident because of it. If my insurance goes up because of it, it will be solely my fault. It sucks to have your insurance rates go up and have no control over it because of someone else's irresponsibility.

 

[Mill]

Originally posted by: Doggiedog

Originally posted by: DougK62

Originally posted by: Millenium
You have to understand that most people on this forum don't live in reality. They think people make mistakes and say oh fvck, when in reality you wish to correct the situation. Your best bet would be talk to her and try to work out an agreement. You exchaged information right? Call her and tell her you are willing to have her automobile fixed as soon as she wishes.

You are right that you shouldn't have been driving without insurance. Doing so not only opens you up for liability, but it is the reason insurance rates are more to add coverage for uninsured drivers. I suggest you make arrangements next time to prevent something like this happening. Your situation could have been a lot more tragic.

As for the people who have never made a mistake I am proud of you. Everyone can sit back on this messageboard and life coach, but some of us live in reality. Sure he should have had insurance. I don't think anyone is arguing against that. He also knows it wasn't smart to be driving without insurance. What is with this kick me when I am down syndrome as of late on ATOT?

Just wondering...

Mill

What do you mean "as of late"? The ATOT crowd has been high on this for as long as I can remember. Unfortunately, it seems to be a trademark of the forum

BTW, I agree with your post.

The man conscientiously went out and did something illegal knowing it was wrong to do. He rolled the dice and they came up snake eyes. If he was insured and someone hit him or he hit someone accidentally, then he would get my sympathies but I and from what I can see others on this board have no sympathy for someone who does something blatantly illegal.

And before you ask, yes, of course I've sped before but I hardly speed at all these days and I will never expect people to have sympathy for me if I do get caught or cause an accident because of it. If my insurance goes up because of it, it will be solely my fault. It sucks to have your insurance rates go up and have no control over it because of someone else's irresponsibility.

Not all states have mandatory insurance laws. In some cases what he did would be perfectly legal. As to his state I have no clue.

 

[Jzero]

And before you ask, yes, of course I've sped before

You may have precluded the "Haven't you ever sped, you're not so perfect" argument, but you'll never be able to preclude the obligatory ATOT Nazi comparison.

 

[Doggiedog]

Originally posted by: Jzero

And before you ask, yes, of course I've sped before

You may have precluded the "Haven't you ever sped, you're not so perfect" argument, but you'll never be able to preclude the obligatory ATOT Nazi comparison.

If you think not having my sympathies was harsh you have a very thin skin.

 

[Ulfwald]

I have never come right out and called anyone on this board a moron, but there is always a first.


YOU ARE A MORON FOR DRIVING UNINSURED!!!!:disgust:

 

[PsychoAndy]

Originally posted by: Ulfwald
I have never come right out and called anyone on this board a moron, but there is always a first.

Actually Ulfwald, Didnt you do that with Jerboy?

-PAB

 

[Jzero]

Originally posted by: Doggiedog

Originally posted by: Jzero

And before you ask, yes, of course I've sped before

You may have precluded the "Haven't you ever sped, you're not so perfect" argument, but you'll never be able to preclude the obligatory ATOT Nazi comparison.

If you think not having my sympathies was harsh you have a very thin skin.

If after 2 years and 3500 posts you don't get the reference, good for you.
At ATOT we also have a habit of comparing apples to Nazis when we run out of better arguments.

 

[Ulfwald]

No, I just told him to quit crapping on my thread, and that he was being rude.

Despite jerboy being an obnoxious arsehole, he is intelligent, this is just a moronic thing to do.

 

[Doggiedog]

Originally posted by: Jzero

Originally posted by: Doggiedog

Originally posted by: Jzero

And before you ask, yes, of course I've sped before

You may have precluded the "Haven't you ever sped, you're not so perfect" argument, but you'll never be able to preclude the obligatory ATOT Nazi comparison.

If you think not having my sympathies was harsh you have a very thin skin.

If after 2 years and 3500 posts you don't get the reference, good for you.
At ATOT we also have a habit of comparing apples to Nazis when we run out of better arguments.

LOL, I can see the similarities.

 

[imported_Tomato]

Why on earth were you driving without insurance? Trying to save $1,400 a year?

Uninsured drivers like you raise the rates for us law-abiding citizens. :disgust:

Dezign

 

[Stark]

Originally posted by: ppaik
And I don't have insurance

Does anyone know what will happen to me? I'm in California.

send you back to mexico?

 

[ppaik]

Well here is an update for those of you who care....

I left this lady 4 messages and no returned phone calls. I looked at the information we exchanged and her policy has expired in April of 2002. I don't know what this means and I'm wondering if I should just call the cops and report this accident. I want to pay for her damages today so I can forget about this crap and move on in my life but she is just not returning my call. I think she already went to the cops or her insurance.


And like I said guys, I know I fvcked up, I just need advice not people telling me how bad I fvcked up.

 

[ddwbi0]

If she doesnt have insurance, then going to the cops will just make things worse on both of you. You already called, so just sit back and wait for her or her insurance to call. Why call the cops? "Hi i hit someone and i dont have insurance and they havent called me back." Maybe she's loaded and the cost of the bumper is nothing to her, and she just decided to let you go free.

 

[oLLie]

Originally posted by: ppaik
Well here is an update for those of you who care....

I left this lady 4 messages and no returned phone calls. I looked at the information we exchanged and her policy has expired in April of 2002. I don't know what this means and I'm wondering if I should just call the cops and report this accident. I want to pay for her damages today so I can forget about this crap and move on in my life but she is just not returning my call. I think she already went to the cops or her insurance.


And like I said guys, I know I fvcked up, I just need advice not people telling me how bad I fvcked up.

Was the car (your civic) insured under at least someone?

 

[Doggiedog]

I wouldn't automatically assume she has no insurance on her car just because the insurance card she showed you was expired. I used to have multiple insurance cards in my car because I was too lazy to throw the old ones out. She might have just handed you an old one by mistake.

 

[XZeroII]

Originally posted by: ppaik
Well here is an update for those of you who care....

I left this lady 4 messages and no returned phone calls. I looked at the information we exchanged and her policy has expired in April of 2002. I don't know what this means and I'm wondering if I should just call the cops and report this accident. I want to pay for her damages today so I can forget about this crap and move on in my life but she is just not returning my call. I think she already went to the cops or her insurance.


And like I said guys, I know I fvcked up, I just need advice not people telling me how bad I fvcked up.

1.) You are an idiot, but everyone makes mistakes and I'm sure you've learned your lesson so I'm not gonna patronize you or anything.
2.) By not going to the police right away, she could have gone right afterward and declared a hit and run if she wanted to...especially if she doesn't have insurance either.

Basically, I would go to her house and talk to her. Camp out there all day if necessary to catch her. If you can't do that, leave a note on the door telling her that you stopped by and that you are willing to pay for the damages and your phone number. Get ahold of her in ANY way possible to clear this up. I'd also go to the police station and ask if this lady filed an accident report. If she did not, then keep at her for a few days, then give it up. If she did file a report, turn yourself in and start moving your assets to family and friends. That's all I can think of. Good luck.

 

[rh71]

Originally posted by: Doggiedog
I wouldn't automatically assume she has no insurance on her car just because the insurance card she showed you was expired. I used to have multiple insurance cards in my car because I was too lazy to throw the old ones out. She might have just handed you an old one by mistake.

I received my new insurance card in late July in preparation for my August 15th expiration date. Until yesterday, I was still carrying the expired one in my wallet. It could certainly be the case.

 

[ppaik]

She still has not called and I am going insane.......I just need to know what to do. This suspense is really taking off some years of my life. The car is NOT insured period. I have another car I use for work (when I worked) and school. The civic was my first car and the insurance expired in May 2002.

The really fvcked up part of this is that I talked to an insurance guy that day and told myself to go get insurance. Then when I got into my civic I told myself that I shouldn't drive it to the post office. Its only 1 mile away and I never got into an accident for 7 years so I decided what the hell. I forgot one bill in my house and was deciding what to do....turn back or just go the post office. My building only has a one way entrance and exit so I had to make a left to make it back to the entrance gate. Then i saw a cop on the street and decided to go the opposite way he was going which was to make a right towards the post office. Well the cop makes a U-turn so I go back to my original plan of making a left. I can't believe my luck. I have the worse luck possible and I made all the dumbest decisions (especially taking out the civic). Anyway, now I'm sitting at home thinking about the worse case scenarios......and its killing me. To top it all off, the accident occurred the first day after I quit my job.

I will try to go to her house. Is there anyway I can call her insurance company and find out if the policy is still active and whether or not she claimed it? I just need to know whether or not I should look forward to paying $$$ only or getting screwed up the a-hole.

 

[BrunoPuntzJones]

You won't go to jail if that's what you are talking about. Although I think you should. I was hit by a guy with no insurance several years ago. Totaled both my car and his. Threw some of the kids in his car out. I had uninsured motorist.

My insurance company not only paid for my medical and car stuff, but also paid for his medical stuff. How insane is that? They wanted to raise my rates but I'm lucky enough to be insured through a fleet plan so have a bit of leverage and rates didn't go up. The other guy got a $175 ticket for not having insurance :| Woopty do.

 

[Balthazar]

Originally posted by: chadeades
This is where you start riding a bike and think about how lucky those people are who invest in insurance.

I dunno if I would call having good credit and a perfect record and still getting a $200 rate hike "lucky" per se....luckier than rebuying someones car certainly, and it sucks he got into an accident, how bad was it????

 

[rahvin]

If you wanna make things worse;

1. Show up at her home unannounced.
2. Call and report the incident to her insurance company.

Wait for her to call you and buy insurance or DON'T DRIVE.

 

[ppaik]

Update:

ahhhh i just spoke to her a minute ago. She called her insurance company and I guess she has a $1000 deductible so she did not claim it. She went to the body shop that I went to when my car hit in a hit and run at a gas station. Those guys sure play dirty to hike up prices....anyway they quoted her $1700 before knowing if there is any wheel damage or not. I guess I should feel lucky for only having to dish out $1700, but Jesus, $1700 is sooo much $$$. Think I may need to sell all my dvds and computer parts


Just pray for me that it does not come out to be more than $1700.

 

[kranky]

If you are saying that she got an estimate from a place that you were a customer of? You have nothing to lose by contacting them (point out that you are a customer, you had your car fixed there, blah, blah) and explaining that you are paying out of your own pocket and asking if there's any way they can help you out with the repair bill.

 

[BrunoPuntzJones]

Originally posted by: kranky
If you are saying that she got an estimate from a place that you were a customer of? You have nothing to lose by contacting them (point out that you are a customer, you had your car fixed there, blah, blah) and explaining that you are paying out of your own pocket and asking if there's any way they can help you out with the repair bill.

What he said. Call the place up and tell them it will be cash. A lot of times it's a little on the high side because it will be covered by insurance. If you tell them cash they can "rework" the estimate.

 

[mithrandir2001]

<melody jangles in background>. Call 1-800-SAFE-AUTO. Safe Auto. La, la, la, la, la....