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Got struck by a hit and run drunk driver

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    Posted: 29 January 2013 at 4:53pm
Originally posted by impulse418 impulse418 wrote:

The drunk had insurance? 
No he didn't.  He was driving his mother's car on a revoked/suspended license.  She HAD insurance.  HAD meaning past tense.  Most insurance companies will void insurance if a driver was DUI/OWI.  My brother has 3 OWI convictions on his record.  While I was living with him, the insurance companies somehow knew it.  Each of my proofs of insurance had his name displayed prominently at the bottom stating that coverage was null and void if he was caught operating any of my vehicles.  I can only imagine this was the same with this guy's mother.  If she lost her insurance, her car is gone for good, unless he threw himself under the bus for her and told authorities that he took the car without her knowledge.  Even then, I don't think that would be good enough.
 
Anyway, pics of the new ride are posted above.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote impulse418 Quote  Post ReplyReply Direct Link To This Post Posted: 28 January 2013 at 5:09pm
The drunk had insurance? 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Kayback Quote  Post ReplyReply Direct Link To This Post Posted: 28 January 2013 at 2:46pm
Cool, enjoy. Avoid hit and run drivers!

KBK
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Post Options Post Options   Thanks (0) Thanks(0)   Quote StormyKnight Quote  Post ReplyReply Direct Link To This Post Posted: 28 January 2013 at 12:57pm
Well, after a long grueling wait for the insurance company to get me my check, I finally got my new car today.   2013 Malibu 2LT.  Roads were messy after our 'little' stormy last night, so I'll wait on getting some pictures up when the weather clears a little more.  She's a pretty little thing.  Have to get used to the infotainment system.  The bluetooth controls are far different than what I had in the Equinox.  Laters...
 
 
 
 


Edited by StormyKnight - 29 January 2013 at 4:46pm
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Post Options Post Options   Thanks (0) Thanks(0)   Quote StormyKnight Quote  Post ReplyReply Direct Link To This Post Posted: 10 January 2013 at 9:36am
Heard from the insurance company yesterday.  As suspected, the car is a total loss.  They estimated total damage to be $18,000.  After the insurance adjuster went over the options of the car with me she came up with a pay out of $17,646.56.  I still owe $12,205, so after they pay off the bank that holds the lien on the car, I'll get a check cut for the remainder.  I should be getting another call from the insurance company today or tomorrow asking about the bank information so they can get the ball rolling on paying off the loan.  Hopefully, I'll get a check sometime early next week as a result.
I've been searching online for a replacement vehicle and found two nearly identical to the one I had only they are 2012 models.  One is brand new and the other has 8001 miles on it.  The brand new one is eligible for GM incentives like 60 month 0% financing, $1000 EVA and GM family discount.  The only thing left is to haggle on the sticker price on top of the discounts.  I'll have to call the dealership to verify that the above mentioned incentives do apply to that vehicle.


Edited by StormyKnight - 10 January 2013 at 9:36am
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SSOK Quote  Post ReplyReply Direct Link To This Post Posted: 09 January 2013 at 9:21pm
For the most part driving an older vehicle doesn't have a ton of advantages, but I love cheap insurance. My truck turns 20 this year and my insurance (on the vehicle) is next to nothing because my dad legally owns it. I am paying an absurd amount of money to insure myself though.

Also, if I get in any sort of accident, I am sure the insurance company is just going to write me a check for $1200 and total my truck. I know someone who owned a 1993 Lightning and got sideswiped and the insurance company tried to write it off for around that price when fair market value for a real lightning is around 10k.

Edit: I thought I posted this earlier but apparently I didn't. Glad to hear you're okay. When I used to work at the junkyard we were told that any vehicle that had the airbags deploy had to be totaled but it may be hearsay. Looking at how warped your car looks I definitely would want a new car even if they did offer to fix it. I never did like unibody designs.


Edited by SSOK - 09 January 2013 at 9:26pm
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Post Options Post Options   Thanks (0) Thanks(0)   Quote scotchyscotch Quote  Post ReplyReply Direct Link To This Post Posted: 09 January 2013 at 7:53pm
I ask about gender as the European court has just made it illegal to rate differently between genders. I thinks that's a bit daft as all rates can be "justified" by the statistics. 

Basically some eejit was insuring a car for his twins, one male and the other female. Naturally all other factors were identical but the insurer still wanted more money for the son. He figured he'd fight this injustice on behalf of people everywhere. He probably figured he was doing everyone a favour. 

Nope.

Now since the insurers have to rate equally which way do you think they'll go. They can lower premiums for male drivers to that of females or they can bring females in line with males. Yea they are, in general, raising insurance for ladies. So this wang is now likely to pay higher premiums for the twins as a result of his crusade.

GPA does seem a bit daft. Insurance is the major thing keeping me off the road and from my experience I think when I do get a quote for my first car I'll be lying through my teeth about my circumstances. My car will not be worth claiming on anyway and even if the insurer finds out I was lying they'll still need to pay third party costs so my conscience will be pretty much clear. 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote brihard Quote  Post ReplyReply Direct Link To This Post Posted: 09 January 2013 at 7:32pm
Grade point average? Seriously?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote tallen702 Quote  Post ReplyReply Direct Link To This Post Posted: 09 January 2013 at 7:09pm
Originally posted by scotchyscotch scotchyscotch wrote:


Do US/Canuckistan insurers still rate male/female differently? 
Yep. They do. Although it seems to be shifting to an equilibrium the more that time goes on.

Determining factors in the US are:
Age
Marital Status
Grade Point Average (if you are a student)
Location
Miles driven to and from work
Miles driven per year
Gender
Vehicle Make
Vehicle Type
Vehicle Model
Engine Displacement
Theft Deterrent
Where the vehicle is parked (secured garage? outside? on the street?)
Age of vehicle
Mileage on the vehicle
Driver's driving record
Number of claims

I'm sure there's more, but those are the ones I know off-hand.

For example, a brand new 2004 V6 Mazda 6s will run you more than a brabd bew 2004 4cyl Mazda 6, but both will be cheaper than a 2003 Subaru Impreza 2.5RS with 36,000 miles on it if you're under 25 and male. The reason? As the agent explained to me, the 6 is deemed a "family sedan" while the 2.5RS was considered a "racing enthusiast's car." In fact, a 2004 WRX STi carried lower rates for me than my old 03 2.5RS because the agent said "It's considered out of the price range of the typical street hooning kid"
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Post Options Post Options   Thanks (0) Thanks(0)   Quote RoboCop Quote  Post ReplyReply Direct Link To This Post Posted: 09 January 2013 at 6:46pm
I think it sucks when I pay the insurance company thousands of dollars and have only asked for $150 after deductible.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote scotchyscotch Quote  Post ReplyReply Direct Link To This Post Posted: 09 January 2013 at 6:14pm
Originally posted by oldpbnoob oldpbnoob wrote:

Originally posted by evillepaintball evillepaintball wrote:

I wish my deductible was $100.  It's $1,000.  I drive an 05 MB Convertible.  I got a quote on an 05 Focus and it was $2600 as well.  I think the biggest factor is that the liability coverage over here is 1.5m Euros for property damage and 15m Euros for medical liability.  
Ouch. I forgot you were over there. I've heard that insurance in Europe(specifically Germany) was ridiculous. Its why so many people rely on public transportation.

I actually work in personal motor insurance at the minute. It's definitely hit and miss, to this day I'm still convinced that our "pricing algorythm" is actually a locked room with a monkey slapping it's balls on a calculator. Insurance pricing is an extremely complex beast.

Now that's not to say it's always really high. I'd say the average price I see for  25+ married with a "normal" car is about £300 - £400. However my mate got a quote through for a 2005 Vauxhall Astra 1.6l diesel for £32,000 annual premium . It's an insurance companies way of telling you that you'd do better elsewhere and we don't want your risk. The driver was 17 but still I've covered hundreds his age and they usually come out at a couple of grand.

Do US/Canuckistan insurers still rate male/female differently? 

The policies I deal with (Aviva) are £20m third party property and unlimited medical/damages to person liability.

I think 4 fault claims in 4 years and we wouldn't want to renew your policy and a lot of non-fault will likely do the same and something worth remembering that fault isn't always about who was to blame for the incident. If an insurance company takes ANY sort of hit on a claim then you can rest assured they are viewing the incident as though you did it for a laugh.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote oldpbnoob Quote  Post ReplyReply Direct Link To This Post Posted: 09 January 2013 at 2:21pm
Originally posted by evillepaintball evillepaintball wrote:

I wish my deductible was $100.  It's $1,000.  I drive an 05 MB Convertible.  I got a quote on an 05 Focus and it was $2600 as well.  I think the biggest factor is that the liability coverage over here is 1.5m Euros for property damage and 15m Euros for medical liability.  
Ouch. I forgot you were over there. I've heard that insurance in Europe(specifically Germany) was ridiculous. Its why so many people rely on public transportation.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote RoboCop Quote  Post ReplyReply Direct Link To This Post Posted: 09 January 2013 at 2:13pm
For the year, insurance for an 05 tC is about $1400 since I got it to now and I am now 21. I have a $300 deductible because I pay more yearly instead of paying less and getting hit by a $600 deductible. I have used it once because someone ran into my bumper while I was at work and of course no note was left.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote evillepaintball Quote  Post ReplyReply Direct Link To This Post Posted: 09 January 2013 at 1:53pm
I wish my deductible was $100.  It's $1,000.  I drive an 05 MB Convertible.  I got a quote on an 05 Focus and it was $2600 as well.  I think the biggest factor is that the liability coverage over here is 1.5m Euros for property damage and 15m Euros for medical liability.  
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Post Options Post Options   Thanks (0) Thanks(0)   Quote oldpbnoob Quote  Post ReplyReply Direct Link To This Post Posted: 08 January 2013 at 6:10pm
I think we pay something like $600/year for 2 drivers on 3 cars. Eville, what kind of car are you driving? That used to have a pretty big effect on rates back when it mattered for me. I had insurance for like $1200/year at one point and then when the insurance company found out my Celica was actually a Supra, they jacked it up to nearly $2k per year. I sold the car that month.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote tallen702 Quote  Post ReplyReply Direct Link To This Post Posted: 08 January 2013 at 2:23pm
Originally posted by evillepaintball evillepaintball wrote:

I can't wait until I hit 25 this year.  I have a spotless record with no tickets or accidents of any kind.  My insurance is $2,800 per year for comprehensive.  If I would have just gotten liability, it would have been $2,600.


Hah! Hahahahahha! Hahahhahahahahahahaha!

I pay what you would pay for just liability for two fully insured cars with $100 deductibles on each AND my house with a $0 deductible!

I guess there ARE advantages to getting older/hitched.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote evillepaintball Quote  Post ReplyReply Direct Link To This Post Posted: 08 January 2013 at 12:17pm
I can't wait until I hit 25 this year.  I have a spotless record with no tickets or accidents of any kind.  My insurance is $2,800 per year for comprehensive.  If I would have just gotten liability, it would have been $2,600.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote JohnnyCanuck Quote  Post ReplyReply Direct Link To This Post Posted: 08 January 2013 at 9:15am
Here in B.C., you have no choice, it's ICBC, an insurance company run by the province.  You can get private comprehensive, but the main insurance is through them.  You can have as many accidents as you want, they just keep hiking your rate.  I haven't had a claim in over 30 years, no tickets for 11 and my insurance for my '93 yota 4x4 is over $1000.  In Alberta, it would be $396 full coverage.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote tallen702 Quote  Post ReplyReply Direct Link To This Post Posted: 08 January 2013 at 8:43am
Originally posted by oldpbnoob oldpbnoob wrote:

Originally posted by Ace_Of_Spades Ace_Of_Spades wrote:

Well thankfully I was a part of my family's insurance. They all had not a blemish on their records. I seemed to have been the bad egg among the 4 of us on the insurance. Although my older sister has been in 3, of which 2 were her fault to which both were completely totalled.
 
I was on my mothers policy. They dropped both of us. Only explanation given was that we had too many claims. Of course this was 20 years ago, perhaps some companies changed their policies.


Some companies will still drop you. Erie, for example, will or would at least a few years ago. Anymore, the auto insurance market is so competitive that companies would rather simply raise your rates and let you self-drop in favor of another company that's willing to undercut them, than drop you from coverage. Most insurance companies don't even raise their rates unless you're totaling a vehicle every year. The reason is that they don't even look at your driving record after they bring you on. Tickets rarely raise your rates with your current company because it's too expensive for them to pull a report on you after the initial one. My agent for home and auto was apologizing all over himself for not being able to beat GEICO's auto rate for us (though our combined rate with Liberty was lower than it would have been with GEICO) because I had a speeding ticket somewhere between when I picked up GEICO and when we got our quote with Liberty Mutual. He said that GEICO didn't pull another report on me after we signed up, so they didn't even know about it, hence their rate would have been lower.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote oldpbnoob Quote  Post ReplyReply Direct Link To This Post Posted: 08 January 2013 at 8:20am
Originally posted by Ace_Of_Spades Ace_Of_Spades wrote:

Well thankfully I was a part of my family's insurance. They all had not a blemish on their records. I seemed to have been the bad egg among the 4 of us on the insurance. Although my older sister has been in 3, of which 2 were her fault to which both were completely totalled.
 
I was on my mothers policy. They dropped both of us. Only explanation given was that we had too many claims. Of course this was 20 years ago, perhaps some companies changed their policies.
"When I grow up I want to marry a rich man and live in a condor next to the beach" -- My 7yr old daughter.
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