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lease:

Okay so I was driving along in my '89 Nissan Maxima. It has been raining off and on for the past 4 days or so and the gravel roads by my house are pretty bad. This one raod, Alta Ave., gets a lot of travic and is really bad... picture 5-10 foot long stretches like this:

________/\/\/\/\/\/\/\________

... where it's 4 inches from the highest point to the lowest. Anyway, I was following my girlfriend and trying to keep up with her; she was going like 50 mph (easy for her '03 Audi A4 with AWD and ESP). So I suddenly tried to swerve when I saw some bad road coming up and as I'm swerving around I hit some other ruts and slid to my right, hit some more potholes, and the I lost control and went into the ditch; I must have been going pretty fast because I plowed through an electric post and kept driving, eventually out of the ditch, and then to a stop... the pole partly came down on the roof of my car. I don't remember much, it all happened fast. There was one wire the was ripped apart that sent sparks out almost like an explosion (use your imagination). I wasn't even wearing my seat belt, but I don't seem to be that hurt; although my neck's a little sore.

My first reaction was sort of a hysteria, I just laughed. There was a big rush of adrenaline. Then my girlfriend, who had seen it all, comes back semi-horrified. Thats where it sort of hit me and I steped out of my car. I looked in awe at my car and the pole laying on the ground. The front bumper was shaped like a "V" and there was coolant leaking everywhere.

Okay so my question is what's going to happen with my insurance? I think I have full coverage. I was planning on buying a new car (civic EX coupe!). I'm pretty sure the maxima is totalled. For anyone interested it has 140,000 miles with the blue book around $2000-$2500. The officer said that posts are some what expensive.

thanks to anyone who can help

(edit:sp)

 
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yo whats up? just so you know the new civics arent very moddable right now, if you wanna mod it get a 6thgen, if wanna just drive it get a new one.. the fuel economy is excellent
just get a stick.. or else u will be regretting it for a long time

as for ur insurance.. its probablly not gonna give u enuff for the post and a new car... but hey u never know

 
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okay well this was my assumption... since no other car was involved it will be ruled as no-fault. i thought maybe the power line costs would go under private property which i think is seperate from the money i'll get for my car... (?) um... i also got other stuff on my driving record, if my premiums get too high i won't be able to afford a new car (in which case i'm bummed).

 
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Double posting is bad.

 
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i took care of it, thanks.

does anyone know insurance stuff or been in this kind of situation before??

 
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I suppose the first question is why you have full coverage on a car that old?? The car is almost worthless to insurance. They'll total the car, and probably give you $500-$1000 (maybe) for it. In addition to that you'll probably have to pay to fix the pole, grass and whatever else got torn up. You'll might catch a break because of the bad weather/road, but I wouldn't expect too much.
Oh, that book value is a dream... My bro's 93 Max is worth about $1700, so there's no way yours is worth more.
I would start looking for a new ride, and plan on buying it outright, cuz I don't think you'll get much help from your insurance... and it'll go up.

 
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okay so i was confused about the full coverage. i talked to my insurance people and they're not covering my car but they'll take care of any property damage. so then i just lost out on 1000... i feel pretty dumb right now... so my premiums are going up for sure when i get a new car?

 
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lol
sorry dude, that was just hella funny to me... but dont worry, i just f***ed up my civic this weekend too!! and mine was the dopest 7thgen ever!! but yeah, i didnt hit anyother car either but mine got totaly messed up, and what i think the insurance is gonna do is, they are gonna pay for the damages and whatever and then drop me from their policy becuz i have 2 suspensions on my license and like 12 or 13 tickets that arnt even parking!! so, if ur record is anywhere near that bad, they might just drop u and u might have to find another insurance company.

 
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If you were an insurance company, would you give the same rate to someone who has never been in an accident compared to someone who got in a major accident?

Use some common sense man.

 
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well in my opinion when you're faced with that kind of situation the best thing you can do is take a step back and laugh hehe. sorry bout your civic. 1 ticket for a speeding misdimeanor (110 in a 55) and 1 suspension from something else. the speeding ticket was when i was still a minor, will a new insurance agency see that on my record?

i am going to have to find something else to drive, and right now my budget will be tight. what do you guys get if you only had $2000-$3000? any opinions are welcome.

 
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Members rides

 
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g2 integ!! a 91 or a 92 black integ will be coo. if i was on a low budget thats what i would get.