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Post by Stan's Field on May 5, 2019 15:13:30 GMT -6
Just got in a wreck. Wife was driving and we got t-boned; failure to yield.....didn't see the chick because there was a vehicle waiting to turn and this car was on other side of it and seemingly came out of a portal or a rip in space time.
Didn't admit any fault. Claim is made already, must have come in from the other party's insurer, because we hadn't even had time to submit one yet and already got email from our insurer.
Nobody injured on the scene, thankfully..
Do I really need to talk to a law-slinger before I make any actual statements to agents or any of that shit?
FML
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Post by A boy named Sioux on May 5, 2019 18:37:08 GMT -6
Have you bought neck braces for yourself and the wife yet
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Post by Stan's Field on May 5, 2019 18:49:05 GMT -6
On order
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Post by BrainFerentz4Prez on May 5, 2019 19:25:56 GMT -6
I can give you insurance perspective, but am confused who failed to yield.
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Other
Sports Moderator
Interim Master of the Universe
Posts: 5,174
Tits or GTFO: GTFO
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Post by Other on May 5, 2019 20:54:25 GMT -6
I can give you insurance perspective, but am confused who failed to yield. Dis right here. Iceheid’s shit is all fucked up and retarded.
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Post by Stan's Field on May 5, 2019 21:16:13 GMT -6
We failed to.
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Post by thunderhawk on May 5, 2019 21:32:03 GMT -6
Just got in a wreck. Wife was driving and we got t-boned; failure to yield.....didn't see the chick because there was a vehicle waiting to turn and this car was on other side of it and seemingly came out of a portal or a rip in space time. Didn't admit any fault. Claim is made already, must have come in from the other party's insurer, because we hadn't even had time to submit one yet and already got email from our insurer. Nobody injured on the scene, thankfully.. Do I really need to talk to a law-slinger before I make any actual statements to agents or any of that shit? FML Any police report? Were you charged, or was she? Do NOT make a fucking statement to any insurance company. Especially to the other gal's insurer. They like to get you on the record while you're still kind of emotional so you'll admit fault and or downplay any injuries. As far as injuries go, it's common for physical symptoms to manifest a few days after the fact, after the adrenaline etc has worn off. They'll try to get you to say that you feel A OK, and then use that against you when your neck or back huts like a motherfucker three days from now. I'm a living case in point. I was in a high speed rollover and felt pretty good in the hours following it. Went to the ER as a precaution...the doc said he'd see me in a couple of days (I laughed it off cuz I'm a hardass and I'd just cheated death again) when shit started to hurt and lo and behold, I had a fucking ruptured cervical disk and that sumbitch put be through about six months of hell. Still hurts to this day if I aggravate it. Car accidents drive a shitload of force through your body. So DO NOT FUCKING GIVE A STATEMENT TO AN INSURANCE COMPANY until you're emotionally centered and any injuries have manifested. I'd prolly talk to a lawyer if I were you. T bones are great steaks but bad accidents.
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Post by Ginger on May 5, 2019 23:56:11 GMT -6
Just got in a wreck. Wife was driving and we got t-boned; failure to yield.....didn't see the chick because there was a vehicle waiting to turn and this car was on other side of it and seemingly came out of a portal or a rip in space time. Didn't admit any fault. Claim is made already, must have come in from the other party's insurer, because we hadn't even had time to submit one yet and already got email from our insurer. Nobody injured on the scene, thankfully.. Do I really need to talk to a law-slinger before I make any actual statements to agents or any of that shit? FML This happened to me once. Except I was the one T-boning the other car. She was turning left in front of me. She didn’t see me because There was a car stopped in the lane next to me waiting to turn left the other direction. She was charged with failure to yield. It was pretty scary because I saw her and there wasn’t anyway I could stop fast enough and there was a kid in the side I was going to hit. Thankfully no one was injured.
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Post by Stan's Field on May 6, 2019 5:24:16 GMT -6
Just got in a wreck. Wife was driving and we got t-boned; failure to yield.....didn't see the chick because there was a vehicle waiting to turn and this car was on other side of it and seemingly came out of a portal or a rip in space time. Didn't admit any fault. Claim is made already, must have come in from the other party's insurer, because we hadn't even had time to submit one yet and already got email from our insurer. Nobody injured on the scene, thankfully.. Do I really need to talk to a law-slinger before I make any actual statements to agents or any of that shit? FML Any police report? Were you charged, or was she? Do NOT make a fucking statement to any insurance company. Especially to the other gal's insurer. They like to get you on the record while you're still kind of emotional so you'll admit fault and or downplay any injuries. As far as injuries go, it's common for physical symptoms to manifest a few days after the fact, after the adrenaline etc has worn off. They'll try to get you to say that you feel A OK, and then use that against you when your neck or back huts like a motherfucker three days from now. I'm a living case in point. I was in a high speed rollover and felt pretty good in the hours following it. Went to the ER as a precaution...the doc said he'd see me in a couple of days (I laughed it off cuz I'm a hardass and I'd just cheated death again) when shit started to hurt and lo and behold, I had a fucking ruptured cervical disk and that sumbitch put be through about six months of hell. Still hurts to this day if I aggravate it. Car accidents drive a shitload of force through your body. So DO NOT FUCKING GIVE A STATEMENT TO AN INSURANCE COMPANY until you're emotionally centered and any injuries have manifested. I'd prolly talk to a lawyer if I were you. T bones are great steaks but bad accidents. Wife was cited. Same exact fucking situation that ginger described. Insurance was supposed to get a hold of us today. I've never really had to deal with the bastards. Thankfully nobody was injured on scene. Wasn't a very violent wreck. The lady that hit us said she's fine. There was obviously a police report, didn't amount to much as pretty straight forward Waht are consequences of giving statement to our insurer? Just the facts I mean. They're gonna be calling at come point.
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Post by NOTTHOR on May 6, 2019 6:10:12 GMT -6
Any police report? Were you charged, or was she? Do NOT make a fucking statement to any insurance company. Especially to the other gal's insurer. They like to get you on the record while you're still kind of emotional so you'll admit fault and or downplay any injuries. As far as injuries go, it's common for physical symptoms to manifest a few days after the fact, after the adrenaline etc has worn off. They'll try to get you to say that you feel A OK, and then use that against you when your neck or back huts like a motherfucker three days from now. I'm a living case in point. I was in a high speed rollover and felt pretty good in the hours following it. Went to the ER as a precaution...the doc said he'd see me in a couple of days (I laughed it off cuz I'm a hardass and I'd just cheated death again) when shit started to hurt and lo and behold, I had a fucking ruptured cervical disk and that sumbitch put be through about six months of hell. Still hurts to this day if I aggravate it. Car accidents drive a shitload of force through your body. So DO NOT FUCKING GIVE A STATEMENT TO AN INSURANCE COMPANY until you're emotionally centered and any injuries have manifested. I'd prolly talk to a lawyer if I were you. T bones are great steaks but bad accidents. Wife was cited. Same exact fucking situation that ginger described. Insurance was supposed to get a hold of us today. I've never really had to deal with the bastards. Thankfully nobody was injured on scene. Wasn't a very violent wreck. The lady that hit us said she's fine. There was obviously a police report, didn't amount to much as pretty straight forward Waht are consequences of giving statement to our insurer? Just the facts I mean. They're gonna be calling at come point. Ma just went through this and admitted she didn't know whether she had a green arrow or just a green light. Happened like 3 weeks ago. My Sentra is totally fucked. 26,000 miles. Other car had $4k of damage, just needed a new bumper, but of course they are claiming soft tissue damage. Adjuster said it ain't a big deal, though. The adjuster will want a recorded statement. That statement can be used in a civil suit against your wife. Do you have a lot of bodily injury coverage? Do you have an umbrella policy? Ma got ticketed but I paid a lawyer to go to court to contest her ticket. Bince the insurance company assumed liability, they dismissed the ticket, but that ain't gonna happen in a state with a bunch of shitlibs running the government who are out to soak the fuck out of taxpayers. Illinois would have used that as an opportunity to extract several hundred dollars, but down here you can get a jury trial for that shit so as long as someone ain't getting stiffed on property damage, they will let that shit go. Totally depends on state law, but there can be comparative negligence issues at play in your case and those can drastically reduce your liability. Plus third party issues for shitty designed roads/intersections and stuff. You're probably going to be contractually bound to talk to your insurance adjuster, but do not talk to the other party's adjuster.
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Post by Stan's Field on May 6, 2019 6:24:42 GMT -6
I figured we were bound to talk to ours.. should be good coverage wise anyway. No umbrella policy.
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Post by BrainFerentz4Prez on May 6, 2019 6:36:28 GMT -6
Ok so it's pretty straight forward. You are fucked. If there is a police report or your Ma got a ticket your insurance is going to pay for their damage and yours. Don't be surprised if your insurance company pays out for "injuries" down the road. If anyone in the other vehicle goes to the Dr. or a Chiro over the next few months your policy will cover it. If there was no ticket issued or police report the BEST case scenario is you will pay for your damages (either out of pocket or your deductible ifn you carry comp and collision) and they pay for theirs. But heres teh fing. Whether your insurance pays for damages to all parties or just yours, your insurance company is going to consider you "at fault" irregardless and adjust your rates accordingly. Unless you have an accident forgiveness of some sort you are likely looking at a rate increase the next time your policy renews. Depending on the size of the increase you may want to shop rates at that point. The good news is unless your car is a total loss there really aint much you gotta do here. If your car is a total loss it would be wise for you to do research on the total value of the car. The $$$ figure you get for your car is negotiable and whether you accept a $9,000 payout or a $9,500 the impact to your policy will be the same. Use a website like cars.com to search your geographic area for sale prices of your year make and model wif similar miles. Start within 150 miles and expand out if needed. Im sure all the scum sucking lawyers are saying dont talk to the other company and don't give statements and that's fine an all but if there is a police report on file they have all the info they need to stick yoh wif it anyway.
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Post by GhostMod 5000 on May 6, 2019 7:22:15 GMT -6
I just want to make sure Ice gets emotionally centered.
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Post by Ginger on May 6, 2019 7:22:51 GMT -6
Any police report? Were you charged, or was she? Do NOT make a fucking statement to any insurance company. Especially to the other gal's insurer. They like to get you on the record while you're still kind of emotional so you'll admit fault and or downplay any injuries. As far as injuries go, it's common for physical symptoms to manifest a few days after the fact, after the adrenaline etc has worn off. They'll try to get you to say that you feel A OK, and then use that against you when your neck or back huts like a motherfucker three days from now. I'm a living case in point. I was in a high speed rollover and felt pretty good in the hours following it. Went to the ER as a precaution...the doc said he'd see me in a couple of days (I laughed it off cuz I'm a hardass and I'd just cheated death again) when shit started to hurt and lo and behold, I had a fucking ruptured cervical disk and that sumbitch put be through about six months of hell. Still hurts to this day if I aggravate it. Car accidents drive a shitload of force through your body. So DO NOT FUCKING GIVE A STATEMENT TO AN INSURANCE COMPANY until you're emotionally centered and any injuries have manifested. I'd prolly talk to a lawyer if I were you. T bones are great steaks but bad accidents. Wife was cited. Same exact fucking situation that ginger described. Insurance was supposed to get a hold of us today. I've never really had to deal with the bastards. Thankfully nobody was injured on scene. Wasn't a very violent wreck. The lady that hit us said she's fine. There was obviously a police report, didn't amount to much as pretty straight forward Waht are consequences of giving statement to our insurer? Just the facts I mean. They're gonna be calling at come point. It just depends if the other party is a dick or not. If they want to get it over with get on with life and they aren’t truly hurt they’ll get their car fixed and get on with life.
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Post by Presidential Immunity Cock on May 6, 2019 7:49:34 GMT -6
Next purchase is a dash cam so that you can show how crap the intersection is then sue the city for having such a poorly designed intersection. Also, post videos of idiot drivers on Reddit to r/idiotsincars.
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Post by Stan's Field on May 6, 2019 7:52:25 GMT -6
I just want to make sure Ice gets emotionally centered. Start centering
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Post by GhostMod 5000 on May 6, 2019 8:53:05 GMT -6
I just want to make sure Ice gets emotionally centered. Start centering Meet me in Court Ave Thursday night bitcc, and I'll center your face
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Post by egadsto on May 6, 2019 10:03:01 GMT -6
Neck brace ... and a baseball bat.
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Post by thunderhawk on May 6, 2019 10:42:28 GMT -6
Well if you were in fact cited and there's not a big bodily injury damages claim, your insurer is prolly gonna want to just pay up, close the file, and get on with it. Your premiums are prolly gonna take a decent hit tho.
Insurers don't like to keep these lower impact files open, and they'll toss you under the bus on fault if they need to. A few years back some dumbass slammed on his brakes in front of us merging onto a highway and said he "thought he saw something coming." Yes...a phantom fucking oncoming vehicle. Our front bumper impaled his trailer hitch. Didn't really do jack shit to his pickup. Didn't matter. Bince it was a low-impact rear-ender, our insurer didn't give a fuck about the actual facts...they just paid out and tied it off. No doubt they've got an algorithm/formula for these kinds of cases that instructs them whether to fight it out or close it off. Many of the larger insurers use a program called Colossus to estimate personal injury claims that invariably lowballs damages, but the unwitting don't know any better, so it saves the insurers ungodly bank.
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Post by thunderhawk on May 6, 2019 10:45:35 GMT -6
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Post by NOTTHOR on May 6, 2019 11:08:23 GMT -6
Next purchase is a dash cam so that you can show how crap the intersection is then sue the city for having such a poorly designed intersection. Also, post videos of idiot drivers on Reddit to r/idiotsincars. I had one in the 'tra but then I took it out because I got it like 10 years ago and it was shit at night. Got a new one from Amazon and it seems pretty legit. The sheer level of retardation I see on the roads is mind boggling.
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Post by Stan's Field on May 6, 2019 11:13:59 GMT -6
Meet me in Court Ave Thursday night bitcc, and I'll center your face Talking to me like that will get you t fuckin boned.
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Post by GhostMod 5000 on May 6, 2019 11:29:44 GMT -6
Promise?
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Post by NOTTHOR on May 6, 2019 11:48:36 GMT -6
Well if you were in fact cited and there's not a big bodily injury damages claim, your insurer is prolly gonna want to just pay up, close the file, and get on with it. Your premiums are prolly gonna take a decent hit tho. Insurers don't like to keep these lower impact files open, and they'll toss you under the bus on fault if they need to. A few years back some dumbass slammed on his brakes in front of us merging onto a highway and said he "thought he saw something coming." Yes...a phantom fucking oncoming vehicle. Our front bumper impaled his trailer hitch. Didn't really do jack shit to his pickup. Didn't matter. Bince it was a low-impact rear-ender, our insurer didn't give a fuck about the actual facts...they just paid out and tied it off. No doubt they've got an algorithm/formula for these kinds of cases that instructs them whether to fight it out or close it off. Many of the larger insurers use a program called Colossus to estimate personal injury claims that invariably lowballs damages, but the unwitting don't know any better, so it saves the insurers ungodly bank. The last time I truly got road rage was when some dumbfuck stopped, full fucking stop, at the DeKalb Oasis getting onto I-88. I missed this twat by less than 6 inches. There was construction, the road was down to one lane but they had a good acceleration lane, probably an eighth of a mile. This gal just stopped and sat there for at least 3-5 minutes until there was about an eighth of a mile gap for her to get into, and of course she was so slow accelerating that by the time me and the other 8 people who were honking pulled on, it damned near caused a pileup. Once the road opened back up, I pulled alongside, flipped her off, yelled, the whole 9 yards. Then I watched in my rearview as about a half dozen other cars who were backed up on the on-ramp did the same. She honestly had no business driving a car. None.
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Post by BrainFerentz4Prez on May 6, 2019 11:51:23 GMT -6
Well if you were in fact cited and there's not a big bodily injury damages claim, your insurer is prolly gonna want to just pay up, close the file, and get on with it. Your premiums are prolly gonna take a decent hit tho. Insurers don't like to keep these lower impact files open, and they'll toss you under the bus on fault if they need to. A few years back some dumbass slammed on his brakes in front of us merging onto a highway and said he "thought he saw something coming." Yes...a phantom fucking oncoming vehicle. Our front bumper impaled his trailer hitch. Didn't really do jack shit to his pickup. Didn't matter. Bince it was a low-impact rear-ender, our insurer didn't give a fuck about the actual facts...they just paid out and tied it off. No doubt they've got an algorithm/formula for these kinds of cases that instructs them whether to fight it out or close it off. Many of the larger insurers use a program called Colossus to estimate personal injury claims that invariably lowballs damages, but the unwitting don't know any better, so it saves the insurers ungodly bank. The last time I truly got road rage was when some dumbfuck stopped, full fucking stop, at the DeKalb Oasis getting onto I-88. I missed this twat by less than 6 inches. There was construction, the road was down to one lane but they had a good acceleration lane, probably an eighth of a mile. This gal just stopped and sat there for at least 3-5 minutes until there was about an eighth of a mile gap for her to get into, and of course she was so slow accelerating that by the time me and the other 8 people who were honking pulled on, it damned near caused a pileup. Once the road opened back up, I pulled alongside, flipped her off, yelled, the whole 9 yards. Then I watched in my rearview as about a half dozen other cars who were backed up on the on-ramp did the same. She honestly had no business driving a car. None. Were you following your wife?
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