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So i was driving home last night in the left lane and there was a truck who was in the right! all of a sudden she pulled around and did a u turn and slammed into my car!!!!!!! im soo mad right now! all i knew is that she in me and it pushed me into the other side of a lane onto a persons lawn! uh huh ****! sooo its all her fault i had witnesses which was good... She got a ticket but the cop didn't tell me what it was... so i need ur opinon what should i do! i called my broker and he said mine won't go up becuase she was in the worng! Stupid girl driving mommy and daddys truck and she JUST got her license... im glad everyone wasn't hurt.. im jsut sore like everybone in my body is sore...... my car is at a place where they towed it!!

 
Rep Power: 260

notify your insurance company

 
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cant get a hold of them! it saiys it closed even though i call 1 800 number

 
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Glad your ok. Sucks to here that happen to you. I'm not exactly familar with insurance, but I think it doesn't matter whose at fault. We have no fault insurance in Ontario (I think). Someone correct me if I'm wrong.

Hope everything works out ok though.

 
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All I Know Is, You Better Have Some Good Insurance, Because If Now You Might Get The Run Around, And Also Your Premium Might Go Up.

 
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Glad to hear you're alright

 
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you must notify your insurance within 24 hrs, there has to be a # to reach them.

 
Rep Power: 280

If the fault is clearly on the other person, I would talk to there parents and ask them if there interested in settling in cash. You can provide a small contract that frees any liability to either of the parites. If they have money you'd be surprised who will settle in cash. DO NOT accept anything less then cash or certified cheques.


If not thats exactly what insurance companies are for. IF the other person got a ticket your not at fault, its a good start but in Ontario but they count the amount of not at fault accidents too.

In any case dont be afraid to ask your insruance for advice. Most of the time your off the record anyways. Its when you file a claim your rates (or loss of discounts) can cost you big bucks. However anytime I get in an accident I call my broker and they always give me advice without screwing me over

sorry to hear this.

Cars are nothing more then steele and plastic. The fact that your alright supercedes any vechile damage! The fact that your not at faut means this accident shouldnt even be in the back of your mind.

focus on getting you and your car fixed. Damage sucks but money can be made. Bodies cannot.

 
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thanx for all ur support guys it means alot! i actually went to go see my car to take pics which i will laod on within the next fews days... i actually ask the tow compny what condition my cars in and they said it was a write off but.... my adjuster hasnt seen it herself so ill keep ya updated! also since its a right off i will be looking got a new car soo any idea,,,

 
Rep Power: 290

glad to hear you're ok.

when did you get the car? if its been 2 yrs or less, i hope your broker told you that you have an option to pay $50/yr for the first 2 yrs and if the car gets totalled in that time, you get the value of the car when it was new. otherwise they factor in depreciation and ya get screwed for some cash :S

anyways, hope everything works out for ya, post the pics when ya get them and have a chance. best of luck

EDIT: I see in your profile its a 2002 which means its more then 2 years old. well, i hope the car can be fixed then, but if not... 2006 Si!

 
Rep Power: 280

no fault doesn't mean that NOBODY is at fault. Rather that if say me and you got in an accident, I have state farm you have ING and I was blatently at fault.

Depsite the fact that I am at fault

State Farm pays me for my damage
ING pays you for your damage.

Whoever is at fault has to pay their deductable. You wont have to pay a deductable and if its your first accident nothing will happen. Keep in mind a "NOT AT FAULT" accident is still on your record. The more not at fault accidents you have the more risk you have of loosing certain discounts not neccasarily a rate increase.

At the end of the day your insurance company ends up paying you out which they never really like to do even if it isn't your fault.

MAKE SURE if your making a claim, ALL damage should be mentiond, my first not at fault accident my cell phone broke. I got $300 to spend on a new phone

 
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Alright!!! i ahve updates! lol sorry it took me so long but i've been busy! CARS not a write off! gonan take 8 grand to fix which sucks but a good thing is that i dont pay ****! i dont pay deductable, damages or rental hahaha. Bad thing is that im driving a corolla around and im pretty embaressed haha but hey its a car right.......... its in the shop right now gonna take 4 weeks maybe more maybe less. Another good thing is i didn't want a stock bumper on it and since she murdered my bumper i picked a XENON front lol so im happy about that! but ya here are some pics.......

 
Rep Power: 290

glad to hear its not a writeoff
damn your car got pwned pretty badly. but im glad its workin out for ya

 
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woah! that looks pretty bad, especially your door and fenders and the front end in general. i'd try to push the insurance company to replace the car with a new one...tell them you feel that the car is unsafe even after repair. the unibody structure might have uncorrectable damage. i'd talk to your lawyer about this if you are unsure. besides, this is your chance to trade in your car for the new 200hp si with minimal loss. your premiums will go up so you might as well make use of this situation.

 
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lol, did ur insurance give u **** because u have a front bumper?