was in in same situation not to long ago, first time in an accident where I WASNT AT FAULT woohooo, old man stops in middle of road, no left no right, so what does he do, whips it into reverse at 20-30 mph, f'd up my 350z front end.

i call my agent and ask her what to do, she says she'll handle it im like ok, so i go down to police station and file a report, i get a call from her and says you will hear from them with in the next hour. no call for a day and a half, finnaly i called them and was like wtf is up i called my agent and she said id hear from you guys 2 days ago, oh sorry sir we didnt get the claim nubmer, im like how did you not get the claim number you already talked to my agent. gives me some retarded answer as the agent went to vacation or something im like ok w/e lady lets get this going.

another freakin day passes, mind you i dont have a rental car yet and have to work the next day (happend before a weekend luckily) i call his agent AGAIN and Leave another mesage hi this is so and so i talked to you guys the other day its been 4 days now whats going on. still nothing, so i called my agent again and said can you handle this they arent getting back to me she says sure no prob, finnaly i get a call back from her and says you will hear from them in an hour, ok sweat i say thanx, 2 hours go by and finnaly im just $%^&**( so i call wait for live person and chewed the # out of them for a good 20 mins until she put me on with an agent and my claim number.

so i get an agent i said id like to make a claim, on your person blah blah blah, i tell her the story and exactly what happend, she says she has to wait for his testimony blahblah blah, didnt want to hear anything or start anything. im like wtf is this everytime ive cause an acceident within hours i get a call from my agent saying a claim has been requested against you. its now 4 freakin days later WTF!!!!!! i have no rental and my car is still not being fixed.

before we hang up she asks me, oh was there any witness's i think for a second and im like oh yah there was a auto repair place right at scene of accident, and the mechanic asked me to pull in after we were done talking so he could check out the damages because he liked 350z and said it was a shame it happend. ( to be honest i have no clue if he saw it or not but did come out after he heard the noise). so i said" he said he saw it and then quoted me a price"( i lied on that part ^^ accept the price part) we hang up, no less than 5 mins later i get the origianl agent of his and says good news weve accepted the claim and we can continue forward.

on top of that i had to continually call them back to ge the rental car twice missing them because of holiday hours and having to pay for car out of pocket. not to mention i had to keep calling my mechanic and then having to call them to confirm it, wth i thought they had the claim number, shouldnt they have just aske dthe mechanic how long and at least put that amount in instead of week by week wtf is that? on top of that his policy was crap, i shoulda just gone through mine and went with most expensive car and had my insurance sue them.

lesson of the story , just skipp all the BS and say i have a witness right up front whether you do or dont lol. insurance companies are scumbags.

I hear ya, I once was debating something insurance related with a friend of mine about 12 years ago, I contacted my insurance company at the time for some info to settle the debate, stupidly I gave my name then received a bill for a claim, my fee's went up, so I thought "nah, no way, not happy and I'll be dropping this mob", but when I attempted to sign up with a different insurance company I discovered that I had been black listed and most companies would not sign me up, some even just hung up on me once they received my details, I haven't had any insurance since and couldn't be happier. The few issues that have occurred since then have all been resolved on the spot or negotiated over the phone, it's a lot cheaper though you run the risk of dealing with the occasional ahole and as long as you have correct details, police action or the threat of can always achieve similar results as insurance.

You cant trust any one who makes money from people's suffering and fear mongering, it will just leave you vulnerable and helpless in a time of need.

Originally posted by Mobidinc
I hear ya, I once was debating something insurance related with a friend of mine about 12 years ago, I contacted my insurance company at the time for some info to settle the debate, stupidly I gave my name then received a bill for a claim, my fee's went up, so I thought "nah, no way, not happy and I'll be dropping this mob", but when I attempted to sign up with a different insurance company I discovered that I had been black listed and most companies would not sign me up, some even just hung up on me once they received my details, I haven't had any insurance since and couldn't be happier. The few issues that have occurred since then have all been resolved on the spot or negotiated over the phone, it's a lot cheaper though you run the risk of dealing with the occasional ahole and as long as you have correct details, police action or the threat of can always achieve similar results as insurance.

You cant trust any one who makes money from people's suffering and fear mongering, it will just leave you vulnerable and helpless in a time of need.

Woah, that's messed up-- billed you for a claim for asking a question?! The more I hear, the more I loathe this whole concept of 'insurance.' The only thing we seemed to be ensured of is being ripped off and taken to the cleaners!!!

Originally posted by pheonix358

Originally posted by pacifier2012
And I bet you were not indicating for at least 3 seconds before you put your brakes on to turn?

Sure it's the other cars fault, but if you had done that they would have had warning. Two things were at play here.

1. Car follows too closely and can't stop in time but is not expecting someone to stop suddenly as they are not indicating.
2. Car no indicating and slowly slowly instead of breaking hard to frighten the cars following... ( come on, we all know we do it)

Sorry but quite clearly, the brake lights tell you the car is stopping. See break lights, slow down. It does not matter what else happens! Two cars following way too close or not paying attention, sounds like it runs in the family.

P

The indicating thing is to give people warning that you're about to do something. If you just hit the brakes, theyre not getting any warning. Yes its wise to leave enough room to react to someone doing that, but no its not your fault if they didn't indicate for the required time before slowing down to turn/etc. Nobody EVER indicates long enough, I've known a number of people who've been done for this just because they say things like 'nobody bothers doing that though'

Wow that sucks. Your insurance sounds horrible. I just got progressive about 5 months ago and I have to say they are pretty good though a bit pricey, I think. Use to be on a family plan until I grew out of it, oh the pain...

But Progressive is pretty cool. I got into an accident not long ago and they took care of it pretty quickly, so did the other person's insurance. I think they had triple A.

Was at a red light, turn lane when I watched the car behind me get closer and closer but never slowing down. I knew it was coming, and had one of those, "damn I'm going to have to deal with this now" moments lol, and I wet noodled seconds before impact. Insurance was pretty cool though (never thought I'd say that).

What was not cool was when I called the police to report it, they told me to go to the gas station and fill out an accident report and then turn that into the police station. I could see the police station from where I was at lol, and I saw 3 cops drive by afterwards ticketing speeders. Oh well, at least the other dude didn't get a ticket so I suppose that was cool.

Major bummer on your insurance, at least you weren't connected to someone in another country, though that might have been faster if they had done that.

Originally posted by Lostmymarbles
Wow that sucks. Your insurance sounds horrible. I just got progressive about 5 months ago and I have to say they are pretty good though a bit pricey, I think. Use to be on a family plan until I grew out of it, oh the pain...

But Progressive is pretty cool. I got into an accident not long ago and they took care of it pretty quickly, so did the other person's insurance. I think they had triple A.

Was at a red light, turn lane when I watched the car behind me get closer and closer but never slowing down. I knew it was coming, and had one of those, "damn I'm going to have to deal with this now" moments lol, and I wet noodled seconds before impact. Insurance was pretty cool though (never thought I'd say that).

What was not cool was when I called the police to report it, they told me to go to the gas station and fill out an accident report and then turn that into the police station. I could see the police station from where I was at lol, and I saw 3 cops drive by afterwards ticketing speeders. Oh well, at least the other dude didn't get a ticket so I suppose that was cool.

Major bummer on your insurance, at least you weren't connected to someone in another country, though that might have been faster if they had done that.

LoL, 'wet noodled' --does that mean you consciously relaxed your muscles so you wouldn't strain anything on impact?

Your insurance treated you right, the way it should be! The cops-- not so much, eh? Couldn't be bothered to respond to an accident right on their doorstep basically!

I'm thankful that the other two people had the same insurance. I can just see 2 separate insurance companies dragging it out, trying to blame the other driver, because neither wants to pay out to fix my car.

Never had an accident, but i owe money on my car so have to have full coverage. Had an "accident" last year in the company truck. No damage to the vehicle im in, infact, i didnt do anything, but lost in court. Insurance #ing doubled.

# the insurance. So i just went without for a year. im not paying 300 a month for a 1000 dollar deductible.

Originally posted by pacifier2012
And I bet you were not indicating for at least 3 seconds before you put your brakes on to turn?

Sure it's the other cars fault, but if you had done that they would have had warning. Two things were at play here.

1. Car follows too closely and can't stop in time but is not expecting someone to stop suddenly as they are not indicating.
2. Car no indicating and slowly slowly instead of breaking hard to frighten the cars following... ( come on, we all know we do it)

It's not anyone's job to drive the car behind them.

If you don't assume that every other driver on the road is a drunken fool and drive accordingly anything that happens is on you, as such, you can only control how far you follow, not how far others follow.

I'll give my brakes a good slam any time someone starts tailgating me. F* them; they can follow from a safe distance, or pass me when they believe I'm crazy.

Sorry for your inconvenience. Sorry, I had to laugh because we are doing some insurance loss inspections and I was looking at the scopes (work to be completed) and was thinking about how bad the contractors and customers are being screwed by the insurance companies who are not only setting prices but a 10 percent profit margin for the contractor.

One place was an entire home rebuild for less that $60K ..... HA HA HA we know who is getting screwed here....

Insurance is a racket ... period!

Originally posted by phroziac
Never had an accident, but i owe money on my car so have to have full coverage. Had an "accident" last year in the company truck. No damage to the vehicle im in, infact, i didnt do anything, but lost in court. Insurance #ing doubled.

# the insurance. So i just went without for a year. im not paying 300 a month for a 1000 dollar deductible.

I hear ya, man.
That's about the long and the short of it. Pay wads of money along the way, then when something happens and you need to call on that insurance... pay wads MORE money!

Is there such of a thing as an Insurance Co-Op? Would that even work?

Originally posted by eNumbra

Originally posted by pacifier2012
And I bet you were not indicating for at least 3 seconds before you put your brakes on to turn?

Sure it's the other cars fault, but if you had done that they would have had warning. Two things were at play here.

1. Car follows too closely and can't stop in time but is not expecting someone to stop suddenly as they are not indicating.
2. Car no indicating and slowly slowly instead of breaking hard to frighten the cars following... ( come on, we all know we do it)

"...you can only control how far you follow, not how far others follow."

That's the darn truth! I have even saved myself from being rear-ended on the Interstate in heavy traffic, by leaving a large enough space ahead of me to take of the slack of the tail-gating moron behind me when the traffic ahead suddenly slowed to a crawl. I've inched up another foot or so and averted being bumped more than a few times. It's not really my responsibility to bail him out in that way, but I'll avoid the hassle (and potential danger) of even the slightest fender-bender if at all possible.

In fact, had I known then, what I know now... I would have missed my perfectly legal right-hand turn and somehow gotten away from those people, to turn around and go back to my destination. I knew they were behind me. I just didn't know they weren't paying attention!