Rear end Damage on SC. Debating what I should do.Pics included.
02-27-11, 10:38 PM
#34
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02-27-11, 10:39 PM
#35
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02-27-11, 10:58 PM
#36
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I totaled my car, fought the insurance company for more money. i.e. "counter offer" and then bought the car back from the insurance company. Now I am almost finished with the rebuild. I needed to do the whole front end and replace both airbags. I just finished the airbags today 
02-28-11, 11:59 AM
#38
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Apologies in advance for length
I've got to say that some of the tone that I'm picking up in this thread is REALLY disturbing. If the OP has a legitimate concern that he has sustained physical injury, then fine, by all means get checked out and hopefully there's no serious concerns there. BUT . . . what I'm picking up in this thread is a mentality of "playing up" physical injury concerns, specifically with the intent to "stick it" to the insurance company and score a big payoff check that can then be used for other purposes than medical needs.
I find that mentality utterly repugnant and I think that people who exploit "the system" like that should be absolutely ashamed (if not prosecuted!). It's this very practice that COSTS EVERYONE, not just the at fault driver, more on their insurance. Does anyone really think that the insurance companies don't just pass on these expenses as increased premiums to the public?
Another problem with this is that it can unfairly punish the 'at fault' party in the accident. Whenever an 'at fault' accident is reported on someone's insurance, it counts as a point (just like a speeding ticket). If there is any medical claim as a result of the accident, that increases its severity even further and will undoubtedly result in significant increases to the insured policy premiums for years! Again, if there are legitimate issues, then this is all completely appropriate, but take for example this situation which happened to my wife a few years ago:
She was in a line of cars in a dedicated right hand turn lane at a busy intersection. No stop was required, as there's a protected merge lane for quite a ways after completing the turn, but everyone generally double checks oncoming traffic over their left shoulder anyway. The driver in front of my wife paused to look, proceeded again, and then completely stopped mid turn . . . just as my wife was pausing to look over her shoulder. When my wife looked back and saw the stopped car, she slammed on her brakes but couldn't stop completely before bumping the stopped car VERY lightly; there was no parts damage to either car, just a paint scuff on the other car. Clearly, my wife was indeed at fault though.
Now, completing the picture, my wife is all dressed up for an important client meeting and driving a newer BMW. Immediately after the bumper contact, the driver of the other car hops out and starts screaming and holding her neck, saying she's in pain and insisting on having a police report taken. Long story short, my wife gets 2 points on her record and increased premiums for the next 3 years for what was obviously a setup/scam operation.
Please guys, don't advocate any similar behavior. It's just plain wrong!
Rant over.
I find that mentality utterly repugnant and I think that people who exploit "the system" like that should be absolutely ashamed (if not prosecuted!). It's this very practice that COSTS EVERYONE, not just the at fault driver, more on their insurance. Does anyone really think that the insurance companies don't just pass on these expenses as increased premiums to the public?
Another problem with this is that it can unfairly punish the 'at fault' party in the accident. Whenever an 'at fault' accident is reported on someone's insurance, it counts as a point (just like a speeding ticket). If there is any medical claim as a result of the accident, that increases its severity even further and will undoubtedly result in significant increases to the insured policy premiums for years! Again, if there are legitimate issues, then this is all completely appropriate, but take for example this situation which happened to my wife a few years ago:
She was in a line of cars in a dedicated right hand turn lane at a busy intersection. No stop was required, as there's a protected merge lane for quite a ways after completing the turn, but everyone generally double checks oncoming traffic over their left shoulder anyway. The driver in front of my wife paused to look, proceeded again, and then completely stopped mid turn . . . just as my wife was pausing to look over her shoulder. When my wife looked back and saw the stopped car, she slammed on her brakes but couldn't stop completely before bumping the stopped car VERY lightly; there was no parts damage to either car, just a paint scuff on the other car. Clearly, my wife was indeed at fault though.
Now, completing the picture, my wife is all dressed up for an important client meeting and driving a newer BMW. Immediately after the bumper contact, the driver of the other car hops out and starts screaming and holding her neck, saying she's in pain and insisting on having a police report taken. Long story short, my wife gets 2 points on her record and increased premiums for the next 3 years for what was obviously a setup/scam operation.
Please guys, don't advocate any similar behavior. It's just plain wrong!
Rant over.
02-28-11, 12:23 PM
#39
I've got to say that some of the tone that I'm picking up in this thread is REALLY disturbing. If the OP has a legitimate concern that he has sustained physical injury, then fine, by all means get checked out and hopefully there's no serious concerns there. BUT . . . what I'm picking up in this thread is a mentality of "playing up" physical injury concerns, specifically with the intent to "stick it" to the insurance company and score a big payoff check that can then be used for other purposes than medical needs.
I find that mentality utterly repugnant and I think that people who exploit "the system" like that should be absolutely ashamed (if not prosecuted!). It's this very practice that COSTS EVERYONE, not just the at fault driver, more on their insurance. Does anyone really think that the insurance companies don't just pass on these expenses as increased premiums to the public?
Another problem with this is that it can unfairly punish the 'at fault' party in the accident. Whenever an 'at fault' accident is reported on someone's insurance, it counts as a point (just like a speeding ticket). If there is any medical claim as a result of the accident, that increases its severity even further and will undoubtedly result in significant increases to the insured policy premiums for years! Again, if there are legitimate issues, then this is all completely appropriate, but take for example this situation which happened to my wife a few years ago:
She was in a line of cars in a dedicated right hand turn lane at a busy intersection. No stop was required, as there's a protected merge lane for quite a ways after completing the turn, but everyone generally double checks oncoming traffic over their left shoulder anyway. The driver in front of my wife paused to look, proceeded again, and then completely stopped mid turn . . . just as my wife was pausing to look over her shoulder. When my wife looked back and saw the stopped car, she slammed on her brakes but couldn't stop completely before bumping the stopped car VERY lightly; there was no parts damage to either car, just a paint scuff on the other car. Clearly, my wife was indeed at fault though.
Now, completing the picture, my wife is all dressed up for an important client meeting and driving a newer BMW. Immediately after the bumper contact, the driver of the other car hops out and starts screaming and holding her neck, saying she's in pain and insisting on having a police report taken. Long story short, my wife gets 2 points on her record and increased premiums for the next 3 years for what was obviously a setup/scam operation.
Please guys, don't advocate any similar behavior. It's just plain wrong!
Rant over.
I find that mentality utterly repugnant and I think that people who exploit "the system" like that should be absolutely ashamed (if not prosecuted!). It's this very practice that COSTS EVERYONE, not just the at fault driver, more on their insurance. Does anyone really think that the insurance companies don't just pass on these expenses as increased premiums to the public?
Another problem with this is that it can unfairly punish the 'at fault' party in the accident. Whenever an 'at fault' accident is reported on someone's insurance, it counts as a point (just like a speeding ticket). If there is any medical claim as a result of the accident, that increases its severity even further and will undoubtedly result in significant increases to the insured policy premiums for years! Again, if there are legitimate issues, then this is all completely appropriate, but take for example this situation which happened to my wife a few years ago:
She was in a line of cars in a dedicated right hand turn lane at a busy intersection. No stop was required, as there's a protected merge lane for quite a ways after completing the turn, but everyone generally double checks oncoming traffic over their left shoulder anyway. The driver in front of my wife paused to look, proceeded again, and then completely stopped mid turn . . . just as my wife was pausing to look over her shoulder. When my wife looked back and saw the stopped car, she slammed on her brakes but couldn't stop completely before bumping the stopped car VERY lightly; there was no parts damage to either car, just a paint scuff on the other car. Clearly, my wife was indeed at fault though.
Now, completing the picture, my wife is all dressed up for an important client meeting and driving a newer BMW. Immediately after the bumper contact, the driver of the other car hops out and starts screaming and holding her neck, saying she's in pain and insisting on having a police report taken. Long story short, my wife gets 2 points on her record and increased premiums for the next 3 years for what was obviously a setup/scam operation.
Please guys, don't advocate any similar behavior. It's just plain wrong!
Rant over.
02-28-11, 07:00 PM
#41
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what you're missing though @Coolis and @good2go is that last Friday while I was working out I noticed some pain in my neck and lower back (and yes, I stretched beforehand). Now that's a week after the accident. and every time I tilt my neck left I hearing cracking. And right now, I still feel something wrong. In all honesty I want to know I'm okay and not have to pay for something that was not my fault. There have been stories where people who received whiplash in an auto accident and it gave them long-term lasting effects. I'm only 20 and I don't want the rest of my life ruined by this accident. I'm more scared than you know. Guess I'm paranoid like that. I'm only getting what I NEED. No more.I'm asking others how much you can receive because I just got the car quoted and it's gonna cost way more than $2700 to fix it. The quarter panels are indeed bent and the windows are moving extremely slow on top of what's on the picture. The other chatter by the members is merely helping me by giving me options to pay for medical and auto. Yeah there is some joking about getting loads of money but I'd never fake anything. On top of that, I still haven't been checked out..Gonna try and go tomorrow. If I were mildly hit I wouldn't even fake being injured because I agree with you, it's completely immoral and selfish. But in the end, whether you believe me or not, that's up to you.
03-09-11, 05:29 AM
#42
She was in a line of cars in a dedicated right hand turn lane at a busy intersection. No stop was required, as there's a protected merge lane for quite a ways after completing the turn, but everyone generally double checks oncoming traffic over their left shoulder anyway. The driver in front of my wife paused to look, proceeded again, and then completely stopped mid turn . . . just as my wife was pausing to look over her shoulder. When my wife looked back and saw the stopped car, she slammed on her brakes but couldn't stop completely before bumping the stopped car VERY lightly; there was no parts damage to either car, just a paint scuff on the other car. Clearly, my wife was indeed at fault though.
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