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ok, so i was driving in the right lane, passing an old Doge Van-(big curb on one side and the Van on other), when the Van swerves into my lane!!! So I slam on my brakes and go for the curb. Now I've got a big scuff mark on my ground effects and my hubcap is all bent up. It's a good thing I didn't have my rims on. Sorry, I just wanted to vent a little.

So my question is... is it worth to file an accident report? If I do, will it make my insurance go up even though it wasn't my fault??

I was a little nervous when the police were looking at my car b/c I don't have a front license plate, leagle headlights, or leagle tint. Oh well. The officer was pretty cool.

 
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It's probably only really worth it for insurance reasons and if you got the plate number of the van.

 
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umm.. technically, i think it is your fault

right lane passing is illegal

 
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dont worry about the "legal" headlights
or the "legal" tints stuff....he wont be worried about that...

with the police report..and if you report it to the insurance...
yea..your insurance may go up!
did you get the guys plate #????

just save up money and get it fixed...you dont want to pay mad $$$ for insurance!

good luck

 
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If you file an accident report it will make your insurance go up regardless of who's fault it is. The point is is that you filed an accident meaning that you did get into an accident so it makes you more liable as a driver. Here's the question you should be asking...

Is the rise in your insurance premium worth it to file the report and have your hub cap and ground effects fixed?

 
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really?? I guess I never thought about that. the officer never said anything about it, i guess that mean anything though.

yeah, i got the license #. Acually, the police were at his house before he even got home. I guess I'll find out more tomorrow.

 
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STFU...........There are tons of lame drivers out there who won't move over for you.

Don't be a bitch and blame him for stuff that wasn't his fault. You sound like my mom.[IMG]i/expressions/moon.gif[/IMG]

 
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good point. I think I'll just fix it myself. It might be cheaper in the long run.

 
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1.) Did the guy stop or did you get his/her plates?
2.) Did you file a police report and take pictures of the damage?
3.) How much is your insurance deductable?

For #3, if your estimate is less than the deductable, i say don't even report it because they'll raise your premium even though they didn't have to spend a dime on repairs..

the wheel is easy to replace.. i'm sure if you go to the marketplace you can find someone willing to donate or sell you a stock wheel cheap and the side skirt or front bumper can be repainted fairly cheap...

 
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yeah im pretty sure u can pass up a person when its dotted lines.

 
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If its just a scratched ground effect skirt and a messed up hub cap, then you might as well get the skirt fixed and it'll give you an excuse to get rims. The last thing you want is higher insurance. Thats just my opinion though.

The left lane is for passing.

 
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If you read......you would know

1) Yes he got the plates......err plate.
2) Yes he filed a report...that's what this whole thread was about.
3) TBA

 
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he was just stating a fact. you sound like a retard for yelling at someone whos just stating a fact.

it would be more appropriate to yell at someone like me, cause i flame a lot. well you could try to yell, but id own you over and over.

the moral of this post:

fly - you are my bitch. my online ho. my cyberskank. "when i say jump, you say 'how high, Sir?'"

 
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Don't file it. Simple as that. It's not worth a higher deductable. It's cheaper to fix the car than to have to pay more for insurance monthly. Trust me. Even if you had to replace it, it'd be cheaper.

I crushed my fender on a pole accidently and it only cost me under $300 to get a new fender and have it painted. Far cheaper than insurance.

 
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Actually, it's not a fact. It's not illegal(not here at least). The driving book just says that it is not advised. It is not illegal though.

Try learning what a fact is before you accept someone's opinion.

You flame a lot? [sarcasm]you? NEVER.[/sarcasm]

Instead of LikeWEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE your name should be LiketoFFFFFLLLLLAAAAAAMMMMMMMEEEEEEE.

I have yet to see you own anyone in this forum. You probably don't even own your car. I bet you lease it........mr. stock.

 
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I'm not really sure what my deductable is. The police are getting an information report and are getting back w/ me tomorrow so I'll know more then. Thanks for all your help everyone. Have a good night.

 
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heh, well all i can say to the stock thing is "you'd have to run me".

 
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I doubt your deductable is lower than $500.

 
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what's STFU?

 
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Unless the police charges the guy (with a ticket), you will be 100% liable for the accident (involving 1 vehicle).

That means it's your fault (sorry) for dodging him and hitting yourself. Like if you had to swirve out of your lane to dodge a guy who just cut you off, and you hit the car next to you, you are 100% liable even though the guy who cut you off caused the whole thing.

So the bottom line is, you file for insurance if this guy isn't getting charged, your insurance will sky rocket (unless your insurance company has first-time-forgiven, but it's rare since 9-11) and you'll be better off paying for your damages unless it's over $1000~, because your premium will go up, and you'll likely have to pay $300 or so deductable.

I'm not an insurance agent, but I've got into enough car accidents to wise up about this sh|t (I'm jinxed in terms of driving and my car).

Good luck with whatever decision you make. Next time, it may be easier if you just ram into the guy (I know it's a sadistic thought, but it's true).

 
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Shut tha f**k up.

 
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it will become useful in the future [IMG]i/expressions/demon.gif[/IMG]

 
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did he swerve into the lane without a blinker. from what i understand, he is at fault. even with a blinker, he didnt yeaild into your lane. big no no. yes file for a report, good for records, wont make a difference on the ensurance unless you are at fault (which i doubt)...police dont talk about whos at fault, their duty is to record everything and make sure you are ok and things are clear.... ensurance does the blaming right???

 
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I'm with you. Flyriceracer is a flamer. He needs to go

 
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The guy did come into my lane w/o signaling - so I would think it would be the other guy to blame, but I'm not sure how that works.

The more I look at it, the less I notice the scuff. I think it was just a little shook up and mad about it last night. I'm not going to file an accident report-it doesn't sound worth it. Plus, I'm not trying to make the guys life miserable. I'll just forget about it and get it fixed on my own.

Next time maybe I won't try to avoid an accident. Maybe I'll get a broken arm or something and be able to get an RSX-S.[IMG]i/expressions/face-icon-small-wink.gif[/IMG] j/k

 
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You won't get much liability from the guy anyway unless you had a witness (first thing you should do if you get into an accident, ask around for ppl to be your witness!). Police can't really ticket him so long after the accident (and away from the accident scene). Better luck next time.

Haha, broken arm in exchange for an RSX-S, I'd say is a GREAT deal! Go for it. [IMG]i/expressions/demon.gif[/IMG]

 
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Um.. no, most insurance companies only raise your premiums if you make a claim and they find it to be YOUR FAULT. And if you are found to have a percentage at fault, then they raise it by a percentage of how much at fault you are. If someone rear ends you and you make a claim the insurance company won't raise your insurances costs fool.

 
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Yup. But in this case, if there's no one else who is at fault, the insurance company will make him 100% at fault unless the police charges the other driver. The insurance co. will assume he curbed his car and is trying to scam insurance $$.

I hate insurance companies.

 
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"passing in the right lane is illegal"....would you just stay there and let the guy swerve into you, or pass him? Yes, fact it may be, but its totally irrelavant. Come on, people. Brain usage is a good thing.[IMG]i/expressions/face-icon-small-disgusted.gif[/IMG]

 
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I guess you never filled out police accident reports before... I have, I used to volunteer at a police station and on the report, it clearly identifies what caused the accident, who hit who, and who was at fault. The officer on duty listened to both sides of the story, examined both cars, and then decided who was to blame... Then, it's up to the courts and insurance companies to argue who was at fault. In this situation, regardless of signal light or not, the driver of the van made an unsafe lane change(regardless of witness). A simple shoulder check should have been done. And, it was in his best interest to avoid the accident, insurance companies favour drivers that try to avoid accidents then be part of one.