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F**k!..... i'm sooo stupid..... i backed into a freakin bimmer tonite..... 5 series..... the bimmer had a lil dent on the bumper..... freakin civic rear bumper popped out...... looks battered..... i think i'm gonna need a new bumper......

**** i hope it doesn't cost too much to fix the ****in bimmer......

argh.....

 
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dang yo... sorry to hear that Bluetroll.. I hope the price don't kill ya!
Insurance dude... insurance claim!

 
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damn man.. sorry to hear that.

damn bimmers always getting in ppls ways... O_o

wouldnt insurance claim make your insurance go up? O_O

 
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Why go through insurance, thats not a good step to take. Offer the Bimmer dude $300 to goto a ding removal specialist , they only do like $100 a ding but than you should be nice, thats only if the dent is resonable size. For your bumper, take it off and mount a new one! Never make an at fault claim, try to avoid it at all, because it will screw you once you reach 2.

 
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dammit.... i tried.... i was tellin the guy..... no insurance..... but then he was tellin me that i hafta go thru insurance cuz it was a company car from BMW..... said his mom worked for bimmer and it was from bimmer..... i dunno what the deal is..... the guy hasn't called me.....
i'm hoping that the guy wasn't insured on the bimmer..... then i'm free...

 
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How are you free??? .... He'll still have coverage .... Was it parked? IF he wasn't even in the car, your screwed, and I guranatee that he'll go through Insurance is he has a BMW .... cause a little ding on those will cost $500-$1000 easy ....

 
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well..... i dunno?... the guy hasn't called me......
u can't claim insurance if your not even covered while you're driving it... cuz ur not even supposed to be driving it....

 
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You don't have to be listed on the policy .... as long as he had permission to drive from the owner, he's ok .... and the reason he hasn't called you is likely because he has already started to go through his own insurance company to get repairs done .... and then his company will call yours to confirm the details ..... his company will pay all his damage

 
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Hey did this happen in a parking lot?

Because I believe parking lot accidents are no fault now... as in, if you do insurance, both of your insurance would go up. So maybe you both should do cash.

I just did my front bumper--remolded, primed, re-painted, re-aligned.. it was $600 taxes in.

It shouldn't cost more on the BMW.. you're not replacing any parts.. just labour job, and cost of paint.

 
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Parking lots and other accidents have been no fault since 1996 ..... No fault means you go back to your own insurance company to have your damage repaired - Thats all, they still have to figure out who is at fault, be it in a parking lot or on a municipal road or highway .... The only difference in a parking lot accident is the police will not attend as it is on private property, hence their will be no charges laid (unless their are serious injuires)

 
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ya it was in a parkin lot....i don't think bimmer did anything.... because my insurance company didn't even call to ask if i was in a car accident..... and i don't think the accident was reported to the collision centre by them.... and me..... i called the guy i hit yesterday he said that he didn't report it.....and bimmer can't report the collision..... cuz it has to be the driver who was involved..... so i think i'm safe. *knock on wood*

 
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Hope your insurance company is forgiving. I was with the Dominion of Canada and they are absolute freaking BASTARDS. They wouldnt forgive a 1,500 claim when I backed up pretty hard into a car when I was 17. They said they wouldnt forgive it for 10 years after the accident. Ive had a 3 star rating for 6 years because of it and Ive never had any other tickets or accidents.

Recently I switched to Belair Direct and they insured me with the Nordic Insurance Company of Canada. They gave me my 5 stars back and are charging me ONLY HALF of what the Evil Dominion wanted.

Dominion wanted 508 a month for a 2002 Si-G Coupe

Nordic is getting 257 a month for the same car same coverage.



Insurance companies are ALL evil. So dont be surprised if this accident costs you TEN TIMES what the claim was over the long haul.

Good luck.

 
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dam....... u really got shafted man...... i hate insurance companies... they're thieves.... but thatz mostly cuz of those dam "dai look"(word in cantonese) ppl or hardcore dudes from china.....who freakin cheese the system of money... where they like claim every freakin thing.... and jip the dam insurance companies.

 
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If you actually know what your talking about, their not all evil ..... I love to see where everyone in the province would be if we didn't have insurance .....

 
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IMO insurance companies are a necessary evil - NOBODY drives perfectly all the time, and we all have our little fender benders and run-ins with the law. However, can you really justify the recent insurance premium increases that we see nowadays? I am 25, with what allstate describes as a 6-star record - no claims and no tickets for 6 years. Yet I'm paying over $2100 a year for my 127-HP car. My father, before the recent hikes, was paying $2000/a as a primary driver on 2 cars and an occasional on a 3rd (all late-model at the time), and he had been busted speeding twice and had claimed several accidents.
Because of the oligopoly the insurance companies have on this market, they feel they can charge what they damn well please and we HAVE to pay it, because it's illegal to drive without insurance. Sure, the government is "investigating" these premium hikes, but do you really think they're not in on the whole cash grab? Really that's all it is. And the insurance companies are saying it costs more now to insure drivers. Riiiiiiigggghhhhhht. So all that data entry and the occasional phone call must really be costly. I'm essentially paying 2100 a year to drive my car on top of the payments, gas, no-longer-free maintenance, and occasional mod. I used to say "I'm paying for someone else's accidents and stupidity" but now I no longer fully believe that. Now I'm paying for some insurance exec's trip to Bermuda.
On another note, who wants to go to Bermuda? If you're going you wanna spot me a couple grand? I just paid my insurance and I'm broke again.

 
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Do you really want to know why your insurance has gone up?? The cost of caring for people involved in accidents has increased about 1000% since 1998 .... so when everyone claims they have a sore neck and need physio, the treatment plan that use to cost $500 for 6 weeks now cost $5000.... why, cause they know they can scam the companies into paying because they have to "care" for the injured driver ......Do you want to know why provinces like BC have lower premiums ??? Because the province pays for all the health care and taxes the residents of the province according to the amount they pay out on injury costs ...... So, before you complain about your premiums you should take a look at what its paying for ..... Do you honestly think Insurance companies make money on Auto Insurance?? please, they loose $4-5 million a year on auto insurance ....

 
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I find it hard to believe that a company would continue to provide a service in which they would lose money, even if it is made in another market (ie home insurance). If your company had one division losing cash nonstop with no hope of recovery within that sector, would you not cut that division loose, leaving the market to some other poor sucker who would try to make money off it somehow? This 4-5 million dollars a year figure sounds like what a certain insurance company exec quoted to Global TV a few months ago when a story about this exact situation was aired. And I am reluctant to trust the statements of a man who is taking my money, claims to not be making money off the service he provides me, and is wearing a suit that cost more than my university tuition.

 
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Uhh, you do relaize tha Auto Insurance is mandatory in Ontario and they have to provide it, weather they make money or not ... I can show you the financial statement of my company which shows a loss of $3.5 million in the auto sector .... why would they lie?? Do we have anything to gain by lying, as these statements are public record and can be seen by anyone ..... Believe what you want but the only reason insurance companies write auto is because is legislated as mandatory in Ontario ....... they loose a ton a money ayear on it and I can prove it, can you prove otherwise?

 
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Ive never seen anybody stick up for insurance companies before.

You mean to tell me I had it coming? They wanted MORE to insure it than I was paying in financing for the car!

The government needs to regulate this to prevent it getting out of hand. One thing that pisses me off is that Ontario has one of the lowest claim rates per capita in the country. Yet our insurance is the most.

Im a good driver. I made one mistake when I was 17 why should it have costed me an arm and a leg for 6 years? My insurance should be dirt cheap but its not.

 
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Why do I stick up for insurance companies ... cause I work for one and know how the system works ..... If you had any clue, you'd realize why you pay what you do ..... I have no idea what your situation is like, but if you had any idea of the amount of money that is paid out, not just in auto claims but injury claims, your lucky you only pay what you do now ..... If insurance companies wanted to make a proft in Auto Insurance in Ontario you would be paying twice as much as you are paying now .....

 
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So I see - well, we both come from different sides of the fence, and I respect your views and opinions, 03 Eclipse. That said, I still do not enjoy payins as much as I do to be able to drive my car when I have yet to reap a benefit in 6 years (besides the "privilege" of driving my car).

 
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all over now.

 
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I agree with what your saying and I see your point of view (i mean I pay auto insurance as well) its just i have the advantage of seeing where my premiums go, as you don't .... I think you'll see premiums start to go down as public pressure has a lot of companies slashing rates .....

 
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Speaking of insurance. Are the brokers supposed to disclose all fees to the customer?

Mine forget to mention an adjustment fee and I NSF'd one month. What up wit dat?!

 
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They are, but its also your job to read over your policy when it comes to you to make sure you have all the coverages and the rates .... ESPECIALLY if there is an increase ....