ok guys....so i hit a car.....damdage is done..the police conviently rolled by...so im screwed...insurance is gonna know. So since my premium is gonna increase..i might as well make the best of it. Any suggestions on what to get?..im thinking the Kamikazie front bumper...and if anyone has any tips on how to get the most $ outta my State Farm Insurance..please let me know!

http://www.angelfire.com/ca7/airben001/Maxima/index.htm

 

pictures don't work.

 

arrrrrrrrrgh what else could go wrong

 

I was furious when someone dinged my door. I don't feel so bad anymore. Good luck with the insurance.

 

Pictures work fine now. They're pretty unfortunate looking pics. I'm so sorry, that must feel awful...it looks like the damage is fairly superficial though.

Getting money out of State Farm will be interesting. If the accident is your fault and the other driver files a claim against you...then you're basically screwed. The best way to go about it is to obtain a generous estimate from your favorite bodyshop. Then you approach the insurance agent/adjuster you're working with and ask them to cut you a check for that amount, and if he declines, offer to accept a little less and that you'll just get the work done yourself.

If the other driver does not file a claim against you, then all you've got to worry about is you and your insurance. Check with your agent how this works with respect to the police report, but in some cases, your premium may not go up if you choose not to file a claim with your own insurance even if they know about the accident. (Basically, you don't cost them any money and your premium stays the same...however, if they suck, then they'll say that they got a police report blah blah, you're a greater risk, and then get jammed...in this case get all the $$$ you can).

 

First, do not let the insurance people know that you did things like the one in your sig pic.

 

i'm crying with you man.

 

good luck dude

 

Ouch, that really sucks. Looks like you found a quicker way to cleare out the orange in your headlight though . Good luck

 

i was thinking that myself also.

 

shut up........hahah i was on teh way back home to do that....i had just washed it.....and *bap*...i saw the orange lense on the ground....ha ha.......right....

 

damn duud.. that sucks..

 

dude, next thing you gotta do is get with a different insurance provider, I have heard the most horrific stories about state farm!!! I'm with AIG but I'd be with Progressive if they weren't so expensive for drivers under 25 yrs old.

 

yah that sux man ssorry good luck, i know id hate to be int hat predicament especially since I'm 16 and my insurance is under my moms name ONLY (currently paying ~$750.00 full year full coverage with renta car if something goes bad) but if i do something bad insurance will go up like CRAZY....

 

I really don't like this recent mod you did to your front end.

Glad you're okay though.

Peace

 

The mod happened by an accident!

 

Ouch! that is a horrible site to see Sorry about the accident.

 

Ouch!

Guess you're not going to the NorCal meet.

 

shoot..id still wanna go...just to meet up with everyone..but i gotta find some sterling mist colored duct tape...

 

Ehh... driving fast and taking a picture.. chinaonnitrous1, trust me, it's MUCH easier to just photoshop the speed in!!

Anyway, good luck as you prepare to do battle with the ogres over at state farm...


-Tom Z.

 

actually they are the cheapest for me ...

I tried geico, farm bereau, state farm, and a few others. Progressive was the cheapest by almost $300. The next closest was geico at over a grand for 6 months. Progressive is around $700.

why

 

Damn man, that sux. I almost got smashed the third day I had my 2K2. Some dumbass kid in a 2nd-gen Eclipse came skidding right through a stop sign into the street I was on. He came about 3 feet from t-boning a Corolla, and I stopped about 6 feet from his passenger side. Then without so much as an apologetic gesture, he backed up and drove away. I wasn't shaken, but my friend riding with me was and the guy in the Corolla was ****ting his pants three times over.

 

Don't forget your rim?

 

stop driving sooo fast!!

 

sorry man

Good luck with your insurance. I'm still waiting for a call from my adjuster with my wreck. They're backed up over here. Too many retards and snow storms.

 

I've never had any problem with State Farm. In 89 (just turned 16), I wrecked the front end of my 86 Accord ($1200 in damage) and totaled the Subaru Justy in front of me. My car was fixed in 2 weeks and my insurance didn't go up. In 90, my 86 Accord was broken into. They replaced everything that was stolen including a CD player that wasn't mounted to the body of the car, replaced the window the next day, and gave me $500 for a small dent and scratch on the A-pillar. In 98, wife's 94 Altima got totaled by an uninsured drunk driver. We got the check a week later. In 99, my wife's replacement 97 Altima had had the front and rear windows broken out by vandels. $1200 in damage. The windows were replaced the next morning. I've never paid outragous amounts for insurance either and I live in Kansas City which is in the top 30 worst cities to live in when it comes to theft. I'm 27 and my wife is 26. We own a 96 Max and a 98 Legacy GT wagon plus our house is insured with State Farm. We pay ~$1000 a year for BOTH cars with full coverage, $250 deducts, unisured motorist (came in damn handy), rental car, and extra comprehensive. They've never screwed me over in price or claims. They've never screwed my parents over either. Maybe the reason they don't hassle me is because our driving records have been clean for years.


Dave

 

Let me just take this opportunity to say that Liberty Mutual sucks goat nads... They just hiked prices.. (for everyone I heard)..
Now I pay $4,000 for 2 cars (1 without any collision coverage) in Newark, NJ. All drivers in household have clean records...

Looking to change, any suggestions? (allstate quoted me $3,200+ /year which is roughly about what I used to pay for liberty mutual)

-Tom Z.

 

sorry to hear about...well and see the wreck. the damage looks just like what happened to my '90 Maxima when a guy ran into me while he was drivin in the wrong lane...except mine was on the driver's side.

 

Ouch!!! Sorry to hear about that man. Those pics are horrible, poor Maxima. I hope you get it fixed real soon.

 

That settles it. I'm never takin' my 2k2 out of the garage.

 

tomz17,

have you looked in to Amica? I recheck every year and they keep coming up lower than everyone else.

 

Hmmm..first off what color is it?..is it sterling mist?..if so...tell me which garage..because i need some parts..right front fender...HID lights....bumper....and my windshield washer tank...and that damn side marker....

 

Well since your right side light is gone...sell me your left side & claim me under your ins. too....then all I gotta get is the right side...