Accident 2008

[modoman]

no you can't sue the insurance company, nor would it even be worth it financially or otherwise if you could. premium increases because that's how insurance companies are.

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[colourwolf]

LOL...thats why I hate soccer moms with huge ass SUVs......I have a couple close calls.

And once i was hit from the back at the same spot twice at the same time by the same blond while i was waiting at the traffic light.

What she said to me and my gf was priceless.

"The light turns green."....lol...WTF

[2005EM2]

Originally Posted by gearbox

you shouldve given her cock meat sandwich

HAHAHAHA

Originally Posted by hyper_silver

ouch! psycho lady! i'm trying to recall your past accidents... isn't it mostly front/rear bumpers?

Yeah... crazy huh? lol


UPDATE: Yesterday, I called up Mercury Insurance (the insurance company of the lady who had backed up into me) to follow up with them to make sure that they received my paper work through fax and some additional information which includes full details in an essay format through mail. Looks like Mercury received it.
I got a call yesterday during class and Mercury left me a message saying that the company will cut me a check for half.... WTF!? None of this was my fault! The lady in the Mercedez backed up into the flow of traffic, which I emphasized on in the letter!!!
Basically, Mercury Insurance told me that I can fight it by giving my insurance (Kemper Independent Insurance Company) a call to fight it. Well, I gave my insurance a call and the lady that I tried to get a hold of is on vacation... just wonderful! She won't be back 'til the 25 of this month.
I hope karma will come back as a big bitch to the lady who backed up into me. That's wrong! Accusing me and then winning half!? Fuck that. That ain't right. I never backed up into her and both my insurance and her insurance are POS's! They haven't "investigated" shit yet either. How dumb. I'm going to push both insurance to fight for me; Mercury is going to hear from me pretty soon. I'm not going to let her win.

[TemjinX2]

can you ask for anyone else at your insurance company to take over for her?

anyways, yeah they know your young, so they figure you might take the cash. Just go with what you just said and fight it. Start getting quotes to from shops...i say go to oem dealerships that do collusion work and get quotes from them.

I think cerritos honda does collusion work..you might want to call and double check.

Tell them to cut you a check for that amount or for them to pay for it to get fix at the shops you want. Don't sign anything until your happy with the amount your receiving.

[Street Kings]

Get this taken cared off soon, don't wait on ur insurance lady to come back, get some other agent on this case ASAP. Obviously someone has to be covering her spot while she's on her vacation. Causing delays is equivalent to more loss.

[gearbox]

yup you need to get your insurance to collect the money sometimes if other insurance is being shady.

[2005EM2]

Originally Posted by gearbox

yup you need to get your insurance to collect the money sometimes if other insurance is being shady.

Thanks I swear I'm going to leave this POS insurance if they can't help me.

Originally Posted by Street Kings

Get this taken cared off soon, don't wait on ur insurance lady to come back, get some other agent on this case ASAP. Obviously someone has to be covering her spot while she's on her vacation. Causing delays is equivalent to more loss.

I'm going to call up my company right now. Thanks for the help.

Originally Posted by TemjinX2

can you ask for anyone else at your insurance company to take over for her?

anyways, yeah they know your young, so they figure you might take the cash. Just go with what you just said and fight it. Start getting quotes to from shops...i say go to oem dealerships that do collusion work and get quotes from them.

I think cerritos honda does collusion work..you might want to call and double check.

Tell them to cut you a check for that amount or for them to pay for it to get fix at the shops you want. Don't sign anything until your happy with the amount your receiving.

Yeah, I already got a quote over at Nowalk Collision Center of Norwalk Toyota. The bill came out to $655.43 and my insurance deductable is $1000

I'm going to call in right now to my insurance company. Thanks!

[2005EM2]

Oh goodness, I hate leaving voice messages! I can never ever get directly to a human.

[dryft]

if you have any general insurance questions, my aunt works for an insurance company and i can just shoot her an email to she if she could assist you. I used her help a lot in my accidents, (and both were paid in full to me! FTW!).

[2005EM2]

Originally Posted by dryft

if you have any general insurance questions, my aunt works for an insurance company and i can just shoot her an email to she if she could assist you. I used her help a lot in my accidents, (and both were paid in full to me! FTW!).

That would be great! Thanks man. I guess my biggest concern is will I win this case 100% with my insurance on MY side? Um, what else can I do if both insurance says that they see that we're both at fault (me and the lady who backed up into me)? Obviously, I don't find myself at fault at all because she backed up into the flow of traffic from her parking spot. UGH... she blows! Thanks for the help!

[Albertross]

Well, the insurance company will take the police report as a primary source of legitimate documentation of the accident. If there was an admission of guilt from one side, then it would've been written in the police report.

Obviously, if they are fully at fault, their insurance company should be covering the whole thing. Your insurance adjuster will contact their insurance adjuster and try to work things out, and if they're trying to give you shit, like pay you half, just remember to emphasize the police report.

And if her insurance fully covers damages, there's no reason for your premium to go up, because your insurance didn't pay for it.

[TemjinX2]

^^^

yup what he said.

[2005EM2]

Originally Posted by Albertross

Well, the insurance company will take the police report as a primary source of legitimate documentation of the accident. If there was an admission of guilt from one side, then it would've been written in the police report.

Obviously, if they are fully at fault, their insurance company should be covering the whole thing. Your insurance adjuster will contact their insurance adjuster and try to work things out, and if they're trying to give you shit, like pay you half, just remember to emphasize the police report.

And if her insurance fully covers damages, there's no reason for your premium to go up, because your insurance didn't pay for it.

Damn, thanks a whole bunch

So here I go: I never got a police report. I thought I did and I thought it was something that I was able to obtain at a later time by requesting it. I called up the police station in Long Beach like a week or 2 after the incident and their policy is that the police would not write a police report unless 1) there was bodily injuries involved 2) a hit and run and 3) A major collision.

So, I was pretty bummed and forgot to mention that on here. I guess I learned that if I ever get into an accident and I know for sure that it isn't my fault, always report some type of bodily injury, because then, well, you'll probably regret it if you don't report backache/headache/ etc., especially folks that live around here (not sure about the police policies elsewhere).

Thanks for all the help guys. I hope both insurance companies are on my side () and I just don't know. I actually feel dumb, but let this be a learning lesson for those who do not know Long Beach city's police policies for obtaining a police report. *sigh*

[mfusco78]

i had the same thing happen to me.. i went to pick up my sis pics at this tiny parking lot.. this family gets in their toyota rav4.. im staring out the window and i watch my car get jacked up .. i run outside the guy gets out and my side bumper is stickin out.. i call the cops immediately.. hes tellin me its not bad and pushed my bumper so it clips back in.. i looked at him and told him listen man.. dont touch my car ever.. mother fucker was rubbin his hands all over it and shit.. the cop comess and hes handlin shit and the guys bitch daughter gets out and starts sayin that its my fault for being parked there and that this isnt right and that they shouldnt even have to pay.. this is bullsthi.. the cop got pissed.. told her to shutup and said the kids got noticeable damage.. no matter what it needs your gon hav to pay for it whether insurance or not.. i work for a dealership so i had my boss look at it.. he jacked the price up and for a lil bit of damage i got like 750$.. lol so it ended up[ being good.. i cleaned it up and i couldnt have been happier

[Street Kings]

Originally Posted by 2005EM2

Damn, thanks a whole bunch

So here I go: I never got a police report. I thought I did and I thought it was something that I was able to obtain at a later time by requesting it. I called up the police station in Long Beach like a week or 2 after the incident and their policy is that the police would not write a police report unless 1) there was bodily injuries involved 2) a hit and run and 3) A major collision.

So, I was pretty bummed and forgot to mention that on here. I guess I learned that if I ever get into an accident and I know for sure that it isn't my fault, always report some type of bodily injury, because then, well, you'll probably regret it if you don't report backache/headache/ etc., especially folks that live around here (not sure about the police policies elsewhere).

Thanks for all the help guys. I hope both insurance companies are on my side () and I just don't know. I actually feel dumb, but let this be a learning lesson for those who do not know Long Beach city's police policies for obtaining a police report. *sigh*

That's a B.S policy, no matter even if its a small touch up without noticeable damage, the Cops must make a report and shud give u a reference copy in which the other person's information is listed. In ur case it's a pretty bad hit, regardless of u being inside the car or not does not matter since the car is ur Property and someone has tampered with it so that gives u full right to demand justice.

I suggest something like this happens again, u better make sure the cop makes the full report, if he gives u snarky remarks, demand him to make one since he's a public servant. They get lazy if they see a minor accident because they have to do paperwork but if ur pushy they sure will.