Results 1 to 13 of 13
  1. #1
    If you have ever caused a accident please help me out

    Member Since
    Sep 12, 2009
    Posts
    35
    If you have ever caused a accident please help me out
    Sorry for so much info below. No one will help on yahoo so I come here..I wrecked a Buick not a computer but please help

    Yesterday 10/11/10 I got into a car wreck. I was turning into a plaza, but I was waiting in the median for the cars to pass so I could proceed. I am sure I double checked so I went, well right as my front wheels were entering the publix I heard something looked to my right and then, crash. A 98 model yukon T-bones me. I slide about ten feet and a few feet forward scratching the bumper of a newer honda odyssey. I have a 1995 Buick LeSabre. I am pretty sure my car is now totaled. I got hit on the passenger side my right hand side of car is totally messed up. I don't know if my engine cracked or what but all the oil leaked out and my right front wheel ripped of the axel. Its also counted as my fault. But the officer wrote a ticket with no points added and wrote I wasn't paying attention. The car that hit me, front end is very bad now. They were going about 40 when they t-boned me. How much will my rates go up, Im 16, but never got pulled over before and they didn't add any points.

    ALSO how much will I get for my car if they count it as totaled???
    It is a 95 Buick LeSabre with 145k miles. It was in pretty good condition before the wreck. Ran great, and only had paint fade. Interior was great.
    Kbb says its worth $2800 and NaDa says like the same. But when we added myself on the insurance policy like 2 months ago they said they thinks its worth around $850. Can I argue and get 3k? How about my rates? I also have full coverage and like 100k in property damage coverable

  2. #2
    If you have ever caused a accident please help me out
    harryb2448's Avatar
    Member Since
    Nov 28, 2007
    Location
    Nambucca Heads Australia
    Posts
    20,061
    Specs:
    iMac i5 2.7GHz, 16GB memory, OS 10.10.5
    Not really as the insurer has no doubt an agreed value and that is $850 as you agreed to that when premiums paid. Insurance companies do not get 25 story building in luxury locations by paying out more than an item is worth and they sure ain't known for their charitable works.

    Hard luck but it is all part of what is known as experience or growing up. You may also be sued for the other driver's excess, if any, and may have trouble getting another policy. They are not that keen on under 25's at the best of times!

  3. #3
    If you have ever caused a accident please help me out
    XJ-linux's Avatar
    Member Since
    Jul 02, 2007
    Location
    Going Galt...
    Posts
    3,418
    Specs:
    MacBookAir5,2:10.9.5-MacMini3,1:10.9.5-iPhone6,1:8.3
    You could start by not implying an admission of any guilt (ie: "If you have ever caused a accident please help me out") for the civil aspects of the case.
    Never judge a man, untill you have walked a mile in his shoes...
    That way you'll be a mile away from him, and you'll have his shoes.

  4. #4
    If you have ever caused a accident please help me out
    pigoo3's Avatar
    Member Since
    May 20, 2008
    Location
    U.S.
    Posts
    31,499
    Specs:
    2011 13" MBP 2.3ghz, 8gig ram, OS 10.7.5
    I don't think that a car accident belongs in the "Apple Notebooks" area...clearly this belongs in "Anything Goes"!

    - Nick
    - Too many "beachballs", read this: Beachballs
    - Computer seems slower than it used to? Read this for some slow computer tips: Speedup
    - Almost full hard drive? Some solutions. Out of Space
    - Apple Battery Info. Battery

  5. #5
    If you have ever caused a accident please help me out
    chscag's Avatar
    Member Since
    Jan 23, 2008
    Location
    Fort Worth, Texas
    Posts
    45,284
    Specs:
    27" iMac i5, 3.2 GHz, iPad 3, iPhone 5c, iPhone 6+, 3 iPods, Yosemite
    Moved to "Anything Goes". Has nothing to do with "Notebooks". Please read forum descriptions prior to posting.

  6. #6
    If you have ever caused a accident please help me out

    Member Since
    Sep 12, 2009
    Posts
    35
    sorry for posting this there. And thanks for not deleting it..just posted here, cause no one would tell me what they think would happen. Sorry guys

  7. #7
    If you have ever caused a accident please help me out
    Raz0rEdge's Avatar
    Member Since
    Jul 17, 2009
    Location
    MA
    Posts
    8,188
    Specs:
    27" i7 iMac, 24" iMac, 13" Macbook Air, iPhone 5 & 5S, iPod Nano 7th Gen, iPad 2 16GB WiFi, iPad 3
    If the car does indeed have the kind of damage you are talking about, fixing it will likely cost significantly more than the KBB or NADA book values, so the car will most likely be totaled. Now as to the actual total value..if the insurer already told you that they think it's around $850..I doubt they'd suddenly go anywhere near $3K..

    Depending on which state you live in, being at-fault will most likely mean point and premium increase..it's interesting that the cop gave you a no-point ticket..being under 21 you were probably paying a pretty penny on insurance, expect that to get a lot more expensive now..you'll need to spend the next 5-6 years driving with a perfectly clean record to get back to down to reasonable rates..

    Regards

  8. #8
    If you have ever caused a accident please help me out
    pigoo3's Avatar
    Member Since
    May 20, 2008
    Location
    U.S.
    Posts
    31,499
    Specs:
    2011 13" MBP 2.3ghz, 8gig ram, OS 10.7.5
    Quote Originally Posted by apoirier594 View Post
    sorry for posting this there. And thanks for not deleting it..just posted here, cause no one would tell me what they think would happen. Sorry guys
    Sorry to say it...but with the details given...you were making a left hand turn... it's your responsibility to make sure it was safe to turn left before doing it.

    Sounds to me that you were in a hurry...and turned left when it really wasn't safe (or the traffic coming at you was very dense & not many gaps)...and when you turned...you didn't have enough space or time to do it safely.

    As far as the rest of your questions (value of your totaled car, insurance premiums, etc)...there really isn't a lot we can do or say.

    Your totaled car it worth what it is worth according to the insurance claims adjuster (for the most part)...they won't negotiate much. Regarding your insurance claims going up. Well they definitely will go up...but by how much depends on your States insurance laws...and geographically where you live. And it depends on if you were on your parents policy...or if it was your own individual policy.

    Auto accidents are NEVER a good thing (whether if it was your fault or not). Good luck,

    - Nick
    - Too many "beachballs", read this: Beachballs
    - Computer seems slower than it used to? Read this for some slow computer tips: Speedup
    - Almost full hard drive? Some solutions. Out of Space
    - Apple Battery Info. Battery

  9. #9
    If you have ever caused a accident please help me out
    Raz0rEdge's Avatar
    Member Since
    Jul 17, 2009
    Location
    MA
    Posts
    8,188
    Specs:
    27" i7 iMac, 24" iMac, 13" Macbook Air, iPhone 5 & 5S, iPod Nano 7th Gen, iPad 2 16GB WiFi, iPad 3
    As Nick mentioned..since you were crossing traffic to take a left turn, the onus is on you to make sure it's safe to travel, but causing an accident while taking that left turn automatically puts the fault on you..

    Regards

  10. #10
    If you have ever caused a accident please help me out
    cwa107's Avatar
    Member Since
    Dec 20, 2006
    Location
    Lake Mary, Florida
    Posts
    26,758
    Specs:
    15" MBP, Core i7/2GHz, 8GB RAM, 480GB Crucial M500 SSD
    Quote Originally Posted by apoirier594 View Post
    Sorry for so much info below. No one will help on yahoo so I come here..I wrecked a Buick not a computer but please help

    Yesterday 10/11/10 I got into a car wreck. I was turning into a plaza, but I was waiting in the median for the cars to pass so I could proceed. I am sure I double checked so I went, well right as my front wheels were entering the publix I heard something looked to my right and then, crash. A 98 model yukon T-bones me. I slide about ten feet and a few feet forward scratching the bumper of a newer honda odyssey. I have a 1995 Buick LeSabre. I am pretty sure my car is now totaled. I got hit on the passenger side my right hand side of car is totally messed up. I don't know if my engine cracked or what but all the oil leaked out and my right front wheel ripped of the axel. Its also counted as my fault. But the officer wrote a ticket with no points added and wrote I wasn't paying attention. The car that hit me, front end is very bad now. They were going about 40 when they t-boned me. How much will my rates go up, Im 16, but never got pulled over before and they didn't add any points.
    It depends on the insurer. Some companies have accident forgiveness for a first time accident. With that said, young drivers are almost always considered "high risk" and I wouldn't be surprised if your rates went up significantly. It will vary depending on the region you live in and the insurer. To be honest, your biggest concern is whether they drop you outright, because it might be difficult to pick up insurance outside of being on an "assigned risk" policy.

    ALSO how much will I get for my car if they count it as totaled???
    It is a 95 Buick LeSabre with 145k miles. It was in pretty good condition before the wreck. Ran great, and only had paint fade. Interior was great.
    Kbb says its worth $2800 and NaDa says like the same.
    Do you have comp & collision, or just liability insurance? Most agents would recommend against carrying "full coverage" on a vehicle that old as the cost of the insurance (particularly for a young driver) would easily be more than the value of the car.

    But when we added myself on the insurance policy like 2 months ago they said they thinks its worth around $850. Can I argue and get 3k? How about my rates? I also have full coverage and like 100k in property damage coverable
    Assuming you did get comp & collision, you should get roughly the retail value of the car. If you can make a good case for the car being worth $2800, you should push for it. Talk to your agent.

    The other drivers are covered under your liability policy. So, yes, for any damages up to $100K (which is kind of low in my experience) your insurance will pay out to those parties.

    Sorry to be the bearer of bad news, but being an inexperienced driver is rough - both in terms of the financial implications and in having limited experience dealing with insurance companies.

    Good luck.
    Liquid and computers don't mix. It might seem simple, but we see an incredible amount of people post here about spills. Keep drinks and other liquids away from your expensive electronics!

    https://youtu.be/KHZ8ek-6ccc

  11. #11
    If you have ever caused a accident please help me out
    MYmacROX's Avatar
    Member Since
    Mar 17, 2009
    Posts
    3,626
    Specs:
    2008 15" MBP Yosemite, 2012 21.5" iMac Yosemite
    Seek legal counsel immediately. Only an accident attorney can fully help you with your particular circumstance. Odds are you'll be at fault at least to some degree, but an attorney may (or may not) be able to protect you from "being raked over the coals", as the expression goes.
    64GB iPhone 6, 64GB iPad Air 2.

    Reminder: Please include your Mac's specs. This will make it much easier for the other members to assist you.

  12. #12
    If you have ever caused a accident please help me out
    iggibar's Avatar
    Member Since
    Apr 20, 2009
    Location
    C-Town
    Posts
    4,071
    Specs:
    Mac Pro 4.1 15" MBP. 13" MBP. 17" PB. Power Mac G5. Galaxy Note 4 160gb*
    If you agreed to the 850 when you got signed on to the insurance plan, then they will never give you anything above that. If you are found guilty of the accident, and your insurance does NOT cover the other parties claims, they can sue you. Being young sucks when dealing with car insurance. If you haven't already figured it out, you might want to stick with an old car to keep the price down. When I started driving, I had a new vw jetta. Back then, my insurance was $140 a month. Now, I have a new passat, 3 tickets(1 speeding, one for not stopping at a stop sign, and one for gunning the throttle after a useless school sign), my insurance is actually lower at @114 for the same full coverage. If I didn't have my tickets, I would be at exactly 90 dollars with my current car and same coverage. There's a 5 year span between the jetta and the passat.

    At least be grateful you don't have to pay Canadian insurance premiums...seriously costs an arm and a leg!
    “If you are distressed by anything external, the pain is not due to the thing itself but to your own estimate of it; and this you have the power to revoke at any moment.” Marcus Aurelius

  13. #13
    If you have ever caused a accident please help me out
    SweetCosmicPope's Avatar
    Member Since
    Dec 16, 2009
    Location
    Baytown, Tx
    Posts
    373
    Specs:
    Late 2009 Macbook Pro 2.26, 160gb HD, 2gb RAM, OSX 10.6; Emac 1.42ghz 80gb HD 2gb RAM OSX 10.5
    Yeah...I've been down this road before.

    As an under 25 male (presumably), your insurance is already high.

    When you get in an accident the insurance will go up. They have a formula for figuring out how much it goes up depending, so you'll only be able to figure that out after talking to an agent.

    Now, you have to know whether or not you have liability only (possibly with extras) or full coverage. Unless you have full coverage, then you won't likely get a dime for your accident. You will get a raise in premium or possibly dropped, which sucks.

    You are definitely liable. I got into an accident one day. I was waved out of a business in my work vehicle, and when I pulled out, the person behind them decided to speed around them and hit my work truck. Cop told me the ticket automatically goes to the person making a turn, regardless, and the burden is on that person to prove they aren't liable.
    "That's Peter Graves scat! I'd know it anywhere!"

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

Similar Threads

  1. How are these little holes caused?
    By 328091390 in forum Apple Notebooks
    Replies: 9
    Last Post: 07-05-2014, 04:23 AM
  2. Is this caused by a virus?
    By paulglad in forum OS X - Operating System
    Replies: 2
    Last Post: 07-31-2012, 10:12 AM
  3. What caused this
    By 2001ChevyZ71 in forum OS X - Operating System
    Replies: 2
    Last Post: 08-08-2010, 03:36 PM
  4. What caused this
    By doylerules826 in forum iPhone Hardware and Accessories
    Replies: 4
    Last Post: 11-13-2009, 01:39 AM
  5. g4 accident
    By mitos_y in forum Apple Notebooks
    Replies: 2
    Last Post: 05-07-2005, 09:38 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •