Fml...accident today

[mims80]

I

Good, you should get a copy of the report here https://www.chp.ca.gov/notify-chp/collision-report-chp-190

It will help if your insurance company starts playing games with you (happens more often than not) & you need to hire an attorney.

If my insurance fixes my car and I'm not required to pay for my deductible due to the collision deductible waiver, will I still need an attorney?

I told the bf since my car isn't perfect anymore I'm wanting to trade it for a 2016 crv. Lol.

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[1WickedCivic]

If my insurance fixes my car and I'm not required to pay for my deductible due to the collision deductible waiver, will I still need an attorney? I told the bf since my car isn't perfect anymore I'm wanting to trade it for a 2016 crv. Lol.

No, if your insurance company does the right thing, then you won't need an attorney - just make sure you have a copy of the accident report for your records. If you take your car to a Honda-certified body shop, it should be like new after they're done with it. And God no, please don't trade it in for a CRV, LOL

 

[mims80]

No, if your insurance company does the right thing, then you won't need an attorney - just make sure you have a copy of the accident report for your records. If you take your car to a Honda-certified body shop, it should be like new after they're done with it. And God no, please don't trade it in for a CRV, LOL

Lol!!
Thanks for the info

 

[Troy Jollimore]

*Shakes head* I can see risking the no insurance thing back in the country, but in a suburban/urban area with lots of traffic? I'm damned confident I won't have an accident, but not THAT confident!

Hell, in that case you give the person your particulars and offer to pay for the repairs out of pocket to save the trouble!

 

[mims80]

*Shakes head* I can see risking the no insurance thing back in the country, but in a suburban/urban area with lots of traffic? I'm damned confident I won't have an accident, but not THAT confident!

Hell, in that case you give the person your particulars and offer to pay for the repairs out of pocket to save the trouble!

I wished chp came out. Would've ran her plates and they would've known she was uninsured. Lesson learned.

 

[Troy Jollimore]

Most cops won't bother for anything below $3k worth of damage, like your average fender-bender.

 

[MichaelC]

Years ago, some trailer trash lady backed into the side of my wife's Civic in a Wal-Mart parking lot. Even though it did not occur on a public street, a cop who was on the premises came over and the lady gave him her insurance info, which he gave to my wife. Turned out to be invalid, probably for the same reason as we assume was the case here (didn't feel like paying for 6 months of insurance but also didn't want to risk a ticket or being towed for lack of insurance, so she canceled the policy right after receiving the proof of insurance card). I guess these kinds of people go through a regular cycle of obtaining and canceling insurance twice a year? What I don't understand is that, based on my own experience with this many years ago, when insurance is canceled or expires in my state, the insurance company reports it to the DMV, which then sends you a nasty letter requiring you to turn in your license plate if you cannot produce proof of current insurance. Not sure how they get around that.

Anyway, I was furious about it when we found out her insurance was fake, and went to the police station to talk to someone about it. The cop I talked to stopped me mid-sentence... "sorry, the accident occurred on private property, so there's nothing we can do." He didn't get my point... no, I did not expect there to be a citation issued for the accident, but I was surprised that giving fraudulent information (a knowingly invalid insurance card) to a law enforcement officer was acceptable and not something they would want to pursue.

 

[mims80]

Years ago, some trailer trash lady backed into the side of my wife's Civic in a Wal-Mart parking lot. Even though it did not occur on a public street, a cop who was on the premises came over and the lady gave him her insurance info, which he gave to my wife. Turned out to be invalid, probably for the same reason as we assume was the case here (didn't feel like paying for 6 months of insurance but also didn't want to risk a ticket or being towed for lack of insurance, so she canceled the policy right after receiving the proof of insurance card). I guess these kinds of people go through a regular cycle of obtaining and canceling insurance twice a year? What I don't understand is that, based on my own experience with this many years ago, when insurance is canceled or expires in my state, the insurance company reports it to the DMV, which then sends you a nasty letter requiring you to turn in your license plate if you cannot produce proof of current insurance. Not sure how they get around that.

Anyway, I was furious about it when we found out her insurance was fake, and went to the police station to talk to someone about it. The cop I talked to stopped me mid-sentence... "sorry, the accident occurred on private property, so there's nothing we can do." He didn't get my point... no, I did not expect there to be a citation issued for the accident, but I was surprised that giving fraudulent information (a knowingly invalid insurance card) to a law enforcement officer was acceptable and not something they would want to pursue.

That's a bummer to what happened to your wife's car. I dont understand why people do that other than to save $$. Too bad law enforcement can't do anything about it. Hopefully DMV will require her to get insurance asap or suspend her license but then again, that probably wont stop her. I'm in CA so not sure how the process is.

 

[mims80]

so....got a rental today. spent about 30 minutes at the rental office and needed to be at work so i took whatever they offered me. she said i could get something else but i would be responsible for the costs above my daily allowance so i said screw it. driving the rental isn't going to kill me. so they gave me a ford transit. its actually not that bad. LOL

 

[mims80]

Heres my rental beauty. LOL. maybe i should've waited longer at the rental office in hopes of a smaller car

 

[1WickedCivic]

Heres my rental beauty. LOL. maybe i should've waited longer at the rental office in hopes of a smaller car

Looks like a bigger CRV?

 

[mims80]

Looks like a bigger CRV?

I think a little bit longer than a CRV but not long like a minivan. My bf thinks its hideous. joked around with him that i'll drive his while he drives the rental LOL

 

[Troy Jollimore]

Awesome little van in Europe. Quite trendy and sporty!

Just keep checking back with the rental office to see if something else come available.

 

[tacthecat]

Most cops won't bother for anything below $3k worth of damage, like your average fender-bender.

Police usually won't respond unless there is a personal injury, or it's a very slow day.

 

[Dark helmut]

Sorry to hear about your accident having the same insurance wont really help, i was in an accident about 4 months ago my car was Totaled the other person had a red and i ended up t boning them stil took them awhile to determine it wasn't my fault .

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