DTF Chat Thread v.BrexitMeansBrexit

[TAC]

I think myself being in the front of the accident and only taking the damage to the back corner will have it easiest with insurance, but I'm sure this is going to be a nightmare to deal wtih.

I wouldn't sweat it honestly. You're clearly not at any fault. You likely wouldn't even need the police report, BUT definitely get it. It was clearly absolve you.

[wolfking]

I think myself being in the front of the accident and only taking the damage to the back corner will have it easiest with insurance, but I'm sure this is going to be a nightmare to deal wtih.

I wouldn't sweat it honestly. You're clearly not at any fault. You likely wouldn't even need the police report, BUT definitely get it. It was clearly absolve you.

Definitely.  You got hit from behind, there is no fault to you whatsoever.  But it is annoying when things weigh on your mind at times you want to enjoy yourself.

[cramx3]

Not just dealing with insurance but taking it to a shop and what not as well.  Just a pain. 

[hefdaddy42]

Sorry you're going through that.

Rather than deal with 3 insurance companies, it may be easier to just deal with your own to have your car fixed, and have them subrogate against the other companies.

[cramx3]

I'm operating under the assumption I don't want to get my insurance involved at all if I don't need to.  I think I'm going to make a claim against the truck and see what happens, then maybe also make a claim against the rav4.  I just don't want my insurance to go up or have to pay a deductible.  Either way, a problem to start figuring out next week, I'm in vacation mode now.

[Chino]

My insurance went up when I got into my first accident after nearly 13 years of driving and with no accidents prior to that. Wasn't even my fault. I was stopped at a red light at the end of an off ramp and a guy's brakes failed in his truck. He barreled into me coming off the highway. There wasn't a thing I could do and I still got dicked for it.

[King Postwhore]

My insurance went up when I got into my first accident after nearly 13 years of driving and with accidents prior to that. Wasn't even my fault. I was stopped at a red light at the end of an off ramp and a guy's brakes failed in his truck. He barreled into me coming off the highway. There wasn't a thing I could do and I still got dicked for it.

If the report comes back as 100% his fault and especially since he rear ended you, how could your insurance go up?

[wolfking]

My insurance went up when I got into my first accident after nearly 13 years of driving and with accidents prior to that. Wasn't even my fault. I was stopped at a red light at the end of an off ramp and a guy's brakes failed in his truck. He barreled into me coming off the highway. There wasn't a thing I could do and I still got dicked for it.

You need to change insurance companies as they are screwing you.  It shouldn't have gone up.

[Chino]

My insurance went up when I got into my first accident after nearly 13 years of driving and with accidents prior to that. Wasn't even my fault. I was stopped at a red light at the end of an off ramp and a guy's brakes failed in his truck. He barreled into me coming off the highway. There wasn't a thing I could do and I still got dicked for it.

You need to change insurance companies as they are screwing you.  It shouldn't have gone up.

I switched that afternoon.

My insurance went up when I got into my first accident after nearly 13 years of driving and with accidents prior to that. Wasn't even my fault. I was stopped at a red light at the end of an off ramp and a guy's brakes failed in his truck. He barreled into me coming off the highway. There wasn't a thing I could do and I still got dicked for it.

If the report comes back as 100% his fault and especially since he rear ended you, how could your insurance go up?

Because they can :/ They only got one month of that extra money out of me though before I left them.

**edited my original post - should have read "no accidents prior to that"**

[jingle.boy]

My insurance went up when I got into my first accident after nearly 13 years of driving and with accidents prior to that. Wasn't even my fault. I was stopped at a red light at the end of an off ramp and a guy's brakes failed in his truck. He barreled into me coming off the highway. There wasn't a thing I could do and I still got dicked for it.

You need to change insurance companies as they are screwing you.  It shouldn't have gone up.

I switched that afternoon.

15 minutes saved you 15%??

[cramx3]

.... or more?!

[Chino]

It was Gheico that jacked my rates up 

[hefdaddy42]

My insurance went up when I got into my first accident after nearly 13 years of driving and with accidents prior to that. Wasn't even my fault. I was stopped at a red light at the end of an off ramp and a guy's brakes failed in his truck. He barreled into me coming off the highway. There wasn't a thing I could do and I still got dicked for it.

You need to change insurance companies as they are screwing you.  It shouldn't have gone up.

It depends on the laws in the state.

Here in the U.S., insurance is regulated state by state, not at a national level.  So if you are an at-fault state, whomever is deemed to be at fault has to pay, but only if the victim is 100% NOT at fault.  Laws can vary from state to state, and sometimes it can be hard to determine 100% of the fault.

[ReaperKK]

My insurance went up when I got into my first accident after nearly 13 years of driving and with accidents prior to that. Wasn't even my fault. I was stopped at a red light at the end of an off ramp and a guy's brakes failed in his truck. He barreled into me coming off the highway. There wasn't a thing I could do and I still got dicked for it.

You need to change insurance companies as they are screwing you.  It shouldn't have gone up.

I switched that afternoon.

15 minutes saved you 15%??

A little off topic but car insurance is ridiculous here. I got my renewal letter and my insurance went up to $187 (from $104 two years ago). I said fuck this called to cancel, they requoted me at $117 a month but I had to start a brand new policy with the same insurance company.

[cramx3]

I finally got my police report for my accident a few weeks back now.  But my insurance company reached out to me because it looks like the 3rd vehicle filed a claim against me?  The guy I spoke to said he sees no liability from me so I should be good, but got to go through the process and I need to file that claim against the middle car (the one that hit me) and the police report does state the middle car hit me first then the truck hit the middle car.  The guy said if thats what the police report states that the middle car admits to hitting me first, then I am not liable.  It does state that so hopefully this gets sorted out without being a huge PITA and costing me.

[jingle.boy]

How can anyone getting rear-ended be considered at fault / liable.  Were you going in reverse.  Up here, the laws are such that it is the 'following' driver's responsibility to be aware of what's in front of them at all times.  Short of pulling out right in front of someone who then cannot stop in time, it is ALWAYS the rear end"er" that is considered at fault.  Then again, we actually have "no fault" insurance laws up here, so there's that too.

[cramx3]

How can anyone getting rear-ended be considered at fault / liable.  Were you going in reverse.  Up here, the laws are such that it is the 'following' driver's responsibility to be aware of what's in front of them at all times.  Short of pulling out right in front of someone who then cannot stop in time, it is ALWAYS the rear end"er" that is considered at fault.  Then again, we actually have "no fault" insurance laws up here, so there's that too.

I think that's what they are tring to claim.  I changed lanes too quickly.  This is also what the lady said to my face.  The police report states i changed lanes from right to left lane and quickly made a left turn.  It's basicly true that it was quick, but I never even stopped because there was no incoming traffic. She hit me after I had completed the lane change and was almost complete wtih the turn (hence why the hit on my car is only on the rear passenger side, not flat against my back).   The lady was very much not paying attention and I made that clear in my interview this morning that was recorded for the claim.  The police report also states she hit me first and then got hit by the truck behind her.  Since she admitted to hitting me first, my insurance guy said I should not be liable at all even with the quick lane change since I had already established myself in the lane fully.   

[Chino]

How can anyone getting rear-ended be considered at fault / liable.  Were you going in reverse.  Up here, the laws are such that it is the 'following' driver's responsibility to be aware of what's in front of them at all times.  Short of pulling out right in front of someone who then cannot stop in time, it is ALWAYS the rear end"er" that is considered at fault.  Then again, we actually have "no fault" insurance laws up here, so there's that too.

With dash cams becoming as popular as they are, people are starting to get boned for brake checking. If you slam on your brakes in the middle of the highway with nothing in front of you and get rear ended as a result, there's a chance you can be found not at fault. Usually something like reckless endangerment or something. At least that's what my 18 wheeler buddy tells me. You'd be amazed how many people think it's a good idea to brake check a vehicle towing 80,000lbs at 70mph.

[Stadler]

How can anyone getting rear-ended be considered at fault / liable.  Were you going in reverse.  Up here, the laws are such that it is the 'following' driver's responsibility to be aware of what's in front of them at all times.  Short of pulling out right in front of someone who then cannot stop in time, it is ALWAYS the rear end"er" that is considered at fault.  Then again, we actually have "no fault" insurance laws up here, so there's that too.

With dash cams becoming as popular as they are, people are starting to get boned for brake checking. If you slam on your brakes in the middle of the highway with nothing in front of you and get rear ended as a result, there's a chance you can be found not at fault. Usually something like reckless endangerment or something. At least that's what my 18 wheeler buddy tells me. You'd be amazed how many people think it's a good idea to brake check a vehicle towing 80,000lbs at 70mph.

I believe this is correct.  The rule isn't "if you're behind the other guy, you're always at fault.".   It's more correctly, "ABSENT ANY HARD EVIDENCE, if you're behind the other guy, you're PRESUMED TO BE at fault."

[jingle.boy]

How can anyone getting rear-ended be considered at fault / liable.  Were you going in reverse.  Up here, the laws are such that it is the 'following' driver's responsibility to be aware of what's in front of them at all times.  Short of pulling out right in front of someone who then cannot stop in time, it is ALWAYS the rear end"er" that is considered at fault.  Then again, we actually have "no fault" insurance laws up here, so there's that too.

With dash cams becoming as popular as they are, people are starting to get boned for brake checking. If you slam on your brakes in the middle of the highway with nothing in front of you and get rear ended as a result, there's a chance you can be found not at fault. Usually something like reckless endangerment or something. At least that's what my 18 wheeler buddy tells me. You'd be amazed how many people think it's a good idea to brake check a vehicle towing 80,000lbs at 70mph.

I believe this is correct.  The rule isn't "if you're behind the other guy, you're always at fault.".   It's more correctly, "ABSENT ANY HARD EVIDENCE, if you're behind the other guy, you're PRESUMED TO BE at fault."

Fair point.  I generalized a bit too much.

[Zydar]

It's finally Friday. Two more weeks to go until my vacation starts.

This will be my weekend plans:

[King Postwhore]

Sounds perfect honestly.

[Lonk]

So a friend of mine was on the Jimmy Fallon show, and I thought that was cool

https://www.youtube.com/watch?v=gssal8FY98U

He is contestant #2 

[Chino]

It's finally Friday. Two more weeks to go until my vacation starts.

This will be my weekend plans:

Man, that was one of my favorite episodes as a kid.

[King Postwhore]

Hi Tim.

[TAC]

Hi Joe! How are you today?

[King Postwhore]

 

Proof you own it!!  Lol

[TAC]

I knew that was coming. 

Of course I own it. It's actually quite useful.

[King Postwhore]

How can you do that to an original pressing.  I KNOW!!!

[cramx3]

oh you two 

[King Postwhore]

 

Don't worry. We'll be texting like teenagers watching the Celtics tonight.

[TAC]

Don't worry. We'll be texting like teenagers watching the Celtics tonight.

Yup.

LOLing
OMGing
LMAOing
Hashtagging



Am I doing it right?

[King Postwhore]

Almost you silly goose. 

[jingle.boy]

yoy know what’s really useless?? the M on TACs mug. 

[wolfking]

I knew that was coming. 

Of course I own it. It's actually quite useful.