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After sitting in my driveway for a couple of years, I JUST got a new engine in it. Maybe 3 months ago. HOORAY! It's running beautifully again!


Then, on my way to work tonight, just before 6:00 pm...






























The best part about this is that I only have liability insurance so, lucky for me, all my repairs will be out of my own pocket.




Ghidorah
Who needs a hug.

Wow man, that looks bad.

How did it happen? Sucks to rear end someone I am sure, at least most of the damage is to your car, and you can take avoid the brunt of the other guys insurance company.

It looks like your license plate flew clean off .

"Note"
All bumpers are not created equal .

Ghidorah wrote:
The best part about this is that I only have liability insurance so, lucky for me, all my repairs will be out of my own pocket.

??? Whats the point of insurance if you have to pay yourself when accidents happen???

you need a hug D:

Insurance is a huge issue when you get a car Luna, and you should be looking into it quite readily in order to prepare for when you get yours, and if you get yours.

It becomes even more of an issue when you are a young driver, and even more-so when driving someone else's car. Law's vary greatly so I cannot really give to much advice on this.

There's basically two types of auto insurance. There;s Full Coverage and Liability.

Full coverage means exactly that; everything is covered. Anything from a dog jumping up on your car and scratching the paint, to weather issues like hail storms, to collisions. Your insurance (assuming you were at fault) will cover your car, their car and, god forbid, any injuries.

Liability coverage means that the insurance company will only cover damages from accidents where YOU were at fault ie, you were liable.


The big difference is in monthly costs. For me, full coverage costs more than TWICE as much a month as liability does. I simply cannot afford, or even justify paying well more than twice as much a year for insurance. I am a good driver. I have never been in an accident. Ever.

Now that I have, I wish I had full coverage. Life is funny that way...



Ghidorah

Ghidorah wrote:
Liability coverage means that the insurance company will only cover damages from accidents where YOU were at fault ie, you were liable.
Ghidorah

Cant you just say to them "HEY!! I CRASHED THE CAR!!"

I think it only applies to the repairs for the other guy's car. (?)

Orkeosaurus wrote:I think it only applies to the repairs for the other guy's car. (?)

This is correct. Liability only covers damages to other people's cars if you are deemed at fault.
Interesting caveat: Where the accident happen, the state has a "no fault collision" law. In vehicular collisions, nobody is "at fault" so I don't know how this is going to be handled.


Ghidorah

LunaHound wrote:

Ghidorah wrote:
Liability coverage means that the insurance company will only cover damages from accidents where YOU were at fault ie, you were liable.
Ghidorah

Cant you just say to them "HEY!! I CRASHED THE CAR!!"

Because the person you just crashed your car into lives in a certain place, and it's name is reality?

That sucks though Ghidorah. Do you have another set of wheels?

VermGho5t wrote:
Because the person you just crashed your car into lives in a certain place, and it's name is reality?

WTH is the cheap shot for? In an accident assuming there is no witness , isnt it possible to
make a situation up where it favors you?

That's a real bugger, man. Still, it could have been a lot worse; you could have been smacked in the side or hit front-on by a bigger vehicle.


Automatically Appended Next Post:

LunaHound wrote:

VermGho5t wrote:
Because the person you just crashed your car into lives in a certain place, and it's name is reality?

WTH is the cheap shot for? In an accident assuming there is no witness , isnt it possible to
make a situation up where it favors you?

No Luna, that's illegal.

Like recasting, for instance.

Cheese Elemental wrote:
No Luna, that's illegal.

Like recasting, for instance.

Ok smart guy , then explain this to me since i dont understand.

Why does liability insurance seem to work against the innocent ? ( im missing some info?)
he said insurance will pay IF the accident is his fault. Yet they wont pay if it isnt?

Or is the other guy's insurance paying for it thats why his wont pay?

LunaHound wrote:

Cheese Elemental wrote:
No Luna, that's illegal.

Like recasting, for instance.

Ok smart guy , then explain this to me since i dont understand.

Why does liability insurance seem to work against the innocent ? ( im missing some info?)
he said insurance will pay IF the accident is his fault. Yet they wont pay if it isnt?

Or is the other guy's insurance paying for it thats why his wont pay?

Luna, if it's your fault, *you* should have to pay for it.

LunaHound wrote:WTH is the cheap shot for? In an accident assuming there is no witness , isnt it possible to
make a situation up where it favors you?

No, because you're legally supposed to involve both the police and swap insurance information in an collision(if there's no damage, this is obviously unnecessary, but it's how many insurance companies get their information). Failure for a single party involved to do so is illegal(most often classified under hit and runs). Insurance companies will also send out investigators(to find out what happened and asses whether the claim is fraud) and appraisers to asses the damage to a car to determine the amount to fix estimate and location on the vehicle of the damage. If they determine it's damage that could only reasonably happen where you are at fault(say, severe damage to the front end while you say someone hit you in a parking lot and took off[normally a No Fault]), they will deny your claim.

This should make you feel better.

I think he made a typo in his explaination.

Full coverage - everything is covered, even your mistakes. You drive the car into a tree on your own, then it is taken care of.

Liabilty coverage - The damage done by you in your vehicle to other people's property is covered, but you have to cover the costs of the damage to your property. If you are on the receiving end of a break-in or something, the insurance company might cover that too. My liability insurance did.

Either way, I'm sure the OP is bummed out because the car is a mess, his insurance rates will go up and being in an accident, no matter the magnitude sucks.

Dude, that sucks.

If I were in your shoes right now, I'd be like this:


Only without the music.

Modquisition on. be nice people, I am in a banning mood.

All righty. As has been noted

*Full coverage. There are various shades here but in essence your insurance policy covers damge to your vehicle and other vehicle. Various flavors color the amount of coverage and deductible, as well as damage from non-accident related items like theft.

*Liability. Again some flavors but its the low rent policy. Its whats required in many states. Under this policy your insurance will cover damage caused to other vehicles. Like everything you get what you pay for. Go for the low rent stuff and get low rent coverage. Lots of people have this, especially teenagers with crappy cars that aren't worth the deductible or not much more than that in the first place. Plus teenagers typically are the cause of the accident to non-teenagers. Sorry just an actuarial fact. You get liability only due to 1. cost; 2. deductible vs. value of vehicle.

I agree though that sucks.

Here, take a break, it'll do you some good.

I almost did this the other day wit a v8 range rover. while staring like a startled dog at a girl walking alongside the road. Fortuneatly in my case all I got was a dirty look in the mirror of the car in front after I had screeched about an inch or so away from their bumper, oops.

Unlucky man but at least your not hurt. Do you know what's going to need fixing? Doesn't look to bad compared to some accidents I've seen, you are lucky it was on center and not to the side, thats when rear ending gets hairy.

What has exactly happened? That's what I'd like to know and none of the smart assed comments from other posters please.

Isn't it obvious? I cant imagine the car in front reversed into him so guess the other option.

Sucks, but I can't be too sympathetic. If you rear-end someone, it's your fault. As someone that primarily rides a motorcycle almost everywhere, I really hope you take this as a learning experience and pay better attention to the road.

Its really bad luck Ghidora , just noticed that your car looks very clean (recently washed as well)

Not to mention the white cars bumper was so high that it completely ignored your bumper -_-

whatwhat wrote:Isn't it obvious? I cant imagine the car in front reversed into him so guess the other option.

So the OP is at fault.

Yes.

Bumper disparities are common problem with larger vehicles Luna.

For the record, full coverage does NOT qualify to repair your car in cases of trees falling on it, hail storms and the like.

That requires the addendum of "Act of God" coverage.

And THAT still doesn't include FLOOD insurance, which also costs more.

Insurance is an astounding racket.

Well that sucks. A lot.

First, I'm sorry to hear about your accident, Ghidorah. It's a rear-ender, and unfortanatly, it's pretty cut and dried. Did he suddenly change lanes, cut you off, etc?

Second, in most US states, there are three major types of auto property damage coverage:

Liability: covering other people for your feth-ups
Collision: Covering yourself for your own feth-ups
Comprehensive: The catch all "wierd gak" category, like theft, wind damage, glass chipping*, animal strikes**, vandalism

The more you cover, the more it costs. If you still have a loan on your vehicle, comp and Collison are REQUIRED so the bank can recover the costs of the vehicle.

*if you have a chip in your windshield, call your insurance company. Glass Companies can often put a clear resin in the chip that will prevent further cracking. Most companies will waive the deductable cost to repair the windshield instead of replacing it (it's cheaper to repair than replace)

**If you hit a deer, etc, DON'T wash your car before the adjuster sees it. If the adjuster cannot see signs of an animal strike, they might be forced to put it under collision instead of comp. Which will probably affect your rates more.

All this being said, it's been 15 years since I worked in insurance, and it was only in MD, DC and VA law. Your state laws and indiviual policy may vary.

/hug

sA