Please Help ! URGENT - Got Into An Accident....2007 Model
Please Help ! URGENT - Got Into An Accident....2007 Model
Hello Guys,
I haven't posted in a while but yeah this time around, I'm posting with some bad news, i got into an accident today - i was driving on the highway, for the first time - swear to god, i wasn't speeding, was on cruise, was on the left lane - was approx. min 100 - 120 Km/H. out of nowhere, the SUV in front of me - (AHHH I HATE THEM, UGH) braked and i braked right away and even though i was at a distance, my car screeched and came right in front of me and i never ended up hitting the car in front of me EXCEPT HIS TOW HITCH went right through my grill
and he basically braked because there was a van in front of him who swerved to the left and braked for some odd reason - so basically the SUV in front of me hit the van but because the van had barely any damages - the driver took off.
now back to my story, now the SUV i hit had no damages whatsoever, except his tow hitch was sitting in my grill, now his tow hitch got stuck on my grill so anyway we some how got it out, he said - i rear ended him, he has no damages and that we're all on our own now and to get it fixed myself, now enough witnesses said don't go through insurance, your gonna be at fault plus didn't want my parents to know so the SUV driver took off and stupid me - i didn't take any information but i had to report it to the collision reporting center - now the damages i suffered look MINOR as my bumper was still intact, except my grill was smashed into pieces.
onto the worst part of the story, after he took off - i saw some coolant on the ground but even though there was a tow truck, i didn't take him thinking ill be fine and wanted to go to a body shop i knew but 3-5 Min's after i took off, i saw smoke coming out of my engine so i got scared, called my bodyshop - turned it off, got it towed there after i reported the collision now according to the bodyshop (btw i know the guy - i'm his old customer so he isn't trying to screw me over, atleast i hope not).
These are the following damages and need new or used parts (from what i thought was minor to MAJOR)
1) Grill
2) Emblem
3) A/C Condenser
4) Radiator
5) Front Bumper
The Front bumpers loose and the clips to hook up the grills broken. The Estimates (Original Estimates, No Deals) Came upto the following:
1) Grille - 226.44 $
2) Grille Adhesive Emblem - 24.86 $
3) Cooling Radiator - 703.28 $
4) A/C Condenser - 498.26 $
5) Front Bumper Cover - 391.00 $
6) Paint/Materials - 79.20 $
7) Labor - 552.94 $
8) Additional Costs - 96.39
9) Total GST (Tax) - 144.66
Net Total: 2,760.18
Now they are saying the fact that i drove my car for 3-5 mins (in the worst case scenario, i might need a head gasket etc. Guys, I've already left it at the shop, i can get it by Tuesday max but I NEED MAJOR HELP ! That estimate is gonna kill me, that's too much for me and the fact that I'm a university student is another burden. Now he told me if I'm able to find used parts or new parts for cheap prices, no problem. I can't find the OEM Grille or the Front Bumper Cover. I did find a Radiator and A/C Condenser but I have no clue about all this - These are my questions.
1) Can i use the radiator and A/c condenser from these sites?
http://www.car-stuff.com/store/?N=16...905+11369+9171
http://www.car-stuff.com/store/?N=16...905+11369+9235
http://www.overnightradiator.com/sto...pcat=true&my=1
Does it have to be OEM? Would it matter if i got these?
2) Do you guys know of any sites where i could get those products for really cheap prices?
Please help me out and give me the right advice, i trust you guys and hence I've come here - you've helped me in the past and I know you guys will now as well. Please direct me to the right places. Unfortunately, to my bad luck - what i thought is a minor accident turned out to be major.
Honestly, when you look at the car - the only thing that looks broken is the grill. Life sucks. The one day when I'm driving properly and was paying attention, i got screwed over. Anyways, I really hope you all can help me. Oh Yeah, I live in Toronto, Canada so that's in CAD $ but if you guys know places in U.S I can order, that'd help. Thanks a lot guys, I really appreciate this.
I haven't posted in a while but yeah this time around, I'm posting with some bad news, i got into an accident today - i was driving on the highway, for the first time - swear to god, i wasn't speeding, was on cruise, was on the left lane - was approx. min 100 - 120 Km/H. out of nowhere, the SUV in front of me - (AHHH I HATE THEM, UGH) braked and i braked right away and even though i was at a distance, my car screeched and came right in front of me and i never ended up hitting the car in front of me EXCEPT HIS TOW HITCH went right through my grill
and he basically braked because there was a van in front of him who swerved to the left and braked for some odd reason - so basically the SUV in front of me hit the van but because the van had barely any damages - the driver took off.now back to my story, now the SUV i hit had no damages whatsoever, except his tow hitch was sitting in my grill, now his tow hitch got stuck on my grill so anyway we some how got it out, he said - i rear ended him, he has no damages and that we're all on our own now and to get it fixed myself, now enough witnesses said don't go through insurance, your gonna be at fault plus didn't want my parents to know so the SUV driver took off and stupid me - i didn't take any information but i had to report it to the collision reporting center - now the damages i suffered look MINOR as my bumper was still intact, except my grill was smashed into pieces.
onto the worst part of the story, after he took off - i saw some coolant on the ground but even though there was a tow truck, i didn't take him thinking ill be fine and wanted to go to a body shop i knew but 3-5 Min's after i took off, i saw smoke coming out of my engine so i got scared, called my bodyshop - turned it off, got it towed there after i reported the collision now according to the bodyshop (btw i know the guy - i'm his old customer so he isn't trying to screw me over, atleast i hope not).
These are the following damages and need new or used parts (from what i thought was minor to MAJOR)
1) Grill
2) Emblem
3) A/C Condenser
4) Radiator
5) Front Bumper
The Front bumpers loose and the clips to hook up the grills broken. The Estimates (Original Estimates, No Deals) Came upto the following:
1) Grille - 226.44 $
2) Grille Adhesive Emblem - 24.86 $
3) Cooling Radiator - 703.28 $
4) A/C Condenser - 498.26 $
5) Front Bumper Cover - 391.00 $
6) Paint/Materials - 79.20 $
7) Labor - 552.94 $
8) Additional Costs - 96.39
9) Total GST (Tax) - 144.66
Net Total: 2,760.18
Now they are saying the fact that i drove my car for 3-5 mins (in the worst case scenario, i might need a head gasket etc. Guys, I've already left it at the shop, i can get it by Tuesday max but I NEED MAJOR HELP ! That estimate is gonna kill me, that's too much for me and the fact that I'm a university student is another burden. Now he told me if I'm able to find used parts or new parts for cheap prices, no problem. I can't find the OEM Grille or the Front Bumper Cover. I did find a Radiator and A/C Condenser but I have no clue about all this - These are my questions.
1) Can i use the radiator and A/c condenser from these sites?
http://www.car-stuff.com/store/?N=16...905+11369+9171
http://www.car-stuff.com/store/?N=16...905+11369+9235
http://www.overnightradiator.com/sto...pcat=true&my=1
Does it have to be OEM? Would it matter if i got these?
2) Do you guys know of any sites where i could get those products for really cheap prices?
Please help me out and give me the right advice, i trust you guys and hence I've come here - you've helped me in the past and I know you guys will now as well. Please direct me to the right places. Unfortunately, to my bad luck - what i thought is a minor accident turned out to be major.
Honestly, when you look at the car - the only thing that looks broken is the grill. Life sucks. The one day when I'm driving properly and was paying attention, i got screwed over. Anyways, I really hope you all can help me. Oh Yeah, I live in Toronto, Canada so that's in CAD $ but if you guys know places in U.S I can order, that'd help. Thanks a lot guys, I really appreciate this.
Oh Yeah, The Part Numbers Are As Follows:
1) Front Bumper Cover - 62022-ZK30B
2) Grille - 62070-ZK30B
3) Grille Adhesive Emblem - 62890-7Y000
4) Cooling Radiator - 21460-ZK30A
5) A/C Condenser - 92100-8J050
Let me know, Thanks a lot.
1) Front Bumper Cover - 62022-ZK30B
2) Grille - 62070-ZK30B
3) Grille Adhesive Emblem - 62890-7Y000
4) Cooling Radiator - 21460-ZK30A
5) A/C Condenser - 92100-8J050
Let me know, Thanks a lot.
i know, i could go through insurance but i spoke to enough people, everyone said not to go with them because I'm gonna be at fault according to them and the cop said the same that I'm at fault for rear - ending him, even if it wasn't intentional and I'm the secondary driver under my dad's name so yeah and i've had speeding tickets in the past - I don't want dad to know - that's why i'm not going through insurance.
what's your deductible? I highly doubt it's more than $1,000...so just go through that and only pay the deductible
.02
Oh ya, and IMO, unless ALL of your coolant drained out, I call
on needing a new head gasket...the labor rates for a head gasket are through the roof, which is why they want you to think that. But then again, I'm not a "pro" if you will, so just make sure they aren't screwing you over.
.02
Oh ya, and IMO, unless ALL of your coolant drained out, I call
on needing a new head gasket...the labor rates for a head gasket are through the roof, which is why they want you to think that. But then again, I'm not a "pro" if you will, so just make sure they aren't screwing you over.
Hey thanks for the replies, guys.
my deductible is 1000$ for collision, 1000 $ for comprehensive and accident benefits - it says basic coverage.
if i were to go through insurance, what happens? sorry i have no clue. since i rear ended the suv, and if they say i'm at fault, would my insurance premiums go up and would my dad find out? also - i have 3 speeding tickets, 2 major and 1 minor. and i'm at 7 demerit points, yeh i know - it's messed but this was when i first got the car and stuff - i've sobered down, haven't gotten a ticket in 8 + months so yeah I'm driving safe now. it could have been a lot worser but in the end I'm glad I'm ok and it's not worser.
Please help me on this topic as I have no knowledge about insurance. First Accident in my life. Thanks guys
my deductible is 1000$ for collision, 1000 $ for comprehensive and accident benefits - it says basic coverage.
if i were to go through insurance, what happens? sorry i have no clue. since i rear ended the suv, and if they say i'm at fault, would my insurance premiums go up and would my dad find out? also - i have 3 speeding tickets, 2 major and 1 minor. and i'm at 7 demerit points, yeh i know - it's messed but this was when i first got the car and stuff - i've sobered down, haven't gotten a ticket in 8 + months so yeah I'm driving safe now. it could have been a lot worser but in the end I'm glad I'm ok and it's not worser.
Please help me on this topic as I have no knowledge about insurance. First Accident in my life. Thanks guys
DUDE in your situation just do it yourself. The parts they've quoted you are way over the top. I've seen thse parts much cheaper online.
here are some examples
AC condenser they quoted close to $500 is actually $105 here, ebay Item number: 190164091989
http://cgi.ebay.com/ebaymotors/2004-...spagenameZWDVW
And yeah if you stopped right away I doubt your head gasket needs to be changed.
here are some examples
AC condenser they quoted close to $500 is actually $105 here, ebay Item number: 190164091989
http://cgi.ebay.com/ebaymotors/2004-...spagenameZWDVW
And yeah if you stopped right away I doubt your head gasket needs to be changed.
Isn't life grand, you get into an accident and can't even use your own insurance
Don't sweat it, your a secondary driver so they think your Dad is basically driving the car and being that your his son you occasionally drive it, go through insurance pay the deductible and at most he will lose his good drivers discount, don't know what he/your paying with all those tickets on your record but if you don't have the cash for new OEM parts then do the insurance.
On a car so new don't use aftermarket or used parts, I've seen aftermarket and it's a joke.
Sorry about the accident, SUV with tow hitches that stick out a foot should be illegal

Don't sweat it, your a secondary driver so they think your Dad is basically driving the car and being that your his son you occasionally drive it, go through insurance pay the deductible and at most he will lose his good drivers discount, don't know what he/your paying with all those tickets on your record but if you don't have the cash for new OEM parts then do the insurance.
On a car so new don't use aftermarket or used parts, I've seen aftermarket and it's a joke.
Sorry about the accident, SUV with tow hitches that stick out a foot should be illegal
Hey thanks for the replies, guys.
my deductible is 1000$ for collision, 1000 $ for comprehensive and accident benefits - it says basic coverage.
if i were to go through insurance, what happens? sorry i have no clue. since i rear ended the suv, and if they say i'm at fault, would my insurance premiums go up and would my dad find out? also - i have 3 speeding tickets, 2 major and 1 minor. and i'm at 7 demerit points, yeh i know - it's messed but this was when i first got the car and stuff - i've sobered down, haven't gotten a ticket in 8 + months so yeah I'm driving safe now. it could have been a lot worser but in the end I'm glad I'm ok and it's not worser.
Please help me on this topic as I have no knowledge about insurance. First Accident in my life. Thanks guys
my deductible is 1000$ for collision, 1000 $ for comprehensive and accident benefits - it says basic coverage.
if i were to go through insurance, what happens? sorry i have no clue. since i rear ended the suv, and if they say i'm at fault, would my insurance premiums go up and would my dad find out? also - i have 3 speeding tickets, 2 major and 1 minor. and i'm at 7 demerit points, yeh i know - it's messed but this was when i first got the car and stuff - i've sobered down, haven't gotten a ticket in 8 + months so yeah I'm driving safe now. it could have been a lot worser but in the end I'm glad I'm ok and it's not worser.
Please help me on this topic as I have no knowledge about insurance. First Accident in my life. Thanks guys
!I happen to be an Insurance Agent here in Florida, and prior to becoming an Agent I was an Insurance Adjuster. For the past six years I have had many clients come in to my office with situations just like yours. Unfortunately, it is quite common. People get into fender benders and don't notify their insurance carrier/agent until days later when either 1) they have been sticker shocked by an auto body repair estimate (your case), or 2) they are being sued by the other party (ies) involved in the accident.
Before I go on though, lets get some facts straigth:
- While it is commendable that you have sobered down and have not had any points on your license for the past eights months, it doesn't mean jack as most insurance carriers will rate your policy using your driving history from the past --rolling-- three years. Some carriers even look as far back as five years. Don't get me wrong, this is a step on the right direction. But as of this moment, based on your driving record displayed above, you are what we in the insurance industry call "a claim waiting to happen".
- Insurance Carriers use tiers to rate drivers. An example. State Farm uses Star1, Star2, Star3 and Mutual Drivers. Mutual Drivers means you have a high insurance credit score and an excellent driving history. You get the best rating. Star3 - you have an intermediate insurance credit score and good driving record. Star 2 - low credit score and poor driving record. Star1 - your insurance score is in the dumps plus you have been a naughty driver
. So you get the worst/highest rates allowed by the State you are in. Every Insurance Company, either be SF, Allstate, Geico, etc --- uses some sort of a rating table just as this one.- 99.9999999% of the time, when you rear-end someone you're at fault. It does not matter if the other driver braked suddenly and that caused you to run into him/her. Bottom line is the other driver had control of his/her vehicle. You didn't. So you caused the accident. Now, there are going to be those few occasions when for an example, if you live in the Northeast, you hit a pacth of ice and slid into another vehicle. But even in those cases, it is a long shot to prove you were not at fault.
Now on to your situation:
- Who is your insurance carrier?
- And try to find out what Tier your carrier has your policy rated at. If for an example you are with State Farm, take a look at your declarations page, it will say on bottom of the Page (Mutual, Star3, Star2 or Star1). You can also find this out by simply calling your carrier and asking for them to explain to you how you are rated with them.
This should give me some more information in order to give you some objective suggestions.
It is sad that you had this incident. To me what is even more painful is that you were not at fault but having to bear the consequences. I feel for you. First thing I would suggest is tell your dad about the whole incident. I understand that he will be mad at you but he will eventually come to know when his insurance goes up and then won't he be more mad? Moreover, he is the one more protective about you and knows more than anyone what is best for you, especially more than any insurance agent. So, go and tell him. In that way, you will be able to use his experience in handling such situations. Unless you have the financial resources to the tune of $3000 to deal with this.
Second thing is, always keep in mind that insurance companies are NOT your friend or well-wisher. Unlike your dad, they are not there to take care of you. They are there for the sole purpose of making profit out of your misery. So take every word they say with a pinch of salt and use your own brain. Never rely on them, just listen to them.
When I had my first (and only) fender-bender, I was backing slowly in a parking lot and a car from nowhere comes at 40 mph in that lot and hits me at the driver side rear bumper. Her car was more damaged than mine. The police came and did not give a ticket to any one. I was confident that it was not my fault since I was rear-ended and she (a teenaged girl driving her would-be mother-in-law's sports car) was driving at 40 mph in a 10 mph area. At the scene, I took her insurance information and she took mine. I went home and the first thing I did was to report it to my insurance agency and they assured me it was not my fault from what I said. When the time to pay my next premium came, I found it has increased. I came to know that the records said it was an accident for which I was at fault and that is reported by my insurance agency. Needless to say, I left that company but that remained in my record and will be for at least three years. And I am paying higher premium for no fault of mine.
The bottomline, tell your dad and do not rely on your insurance. BTW, even if you are involved in an incident for which you are not at fault and your insurance makes any payment to any one (to you or the other party), your insurance will go up. These insurance companies are sooooooooooo f**ked up. They make their rules to gain maximum profit and try to impose them on you as "rules", and in this country you have nothing to do but follow them.
Second thing is, always keep in mind that insurance companies are NOT your friend or well-wisher. Unlike your dad, they are not there to take care of you. They are there for the sole purpose of making profit out of your misery. So take every word they say with a pinch of salt and use your own brain. Never rely on them, just listen to them.
When I had my first (and only) fender-bender, I was backing slowly in a parking lot and a car from nowhere comes at 40 mph in that lot and hits me at the driver side rear bumper. Her car was more damaged than mine. The police came and did not give a ticket to any one. I was confident that it was not my fault since I was rear-ended and she (a teenaged girl driving her would-be mother-in-law's sports car) was driving at 40 mph in a 10 mph area. At the scene, I took her insurance information and she took mine. I went home and the first thing I did was to report it to my insurance agency and they assured me it was not my fault from what I said. When the time to pay my next premium came, I found it has increased. I came to know that the records said it was an accident for which I was at fault and that is reported by my insurance agency. Needless to say, I left that company but that remained in my record and will be for at least three years. And I am paying higher premium for no fault of mine.
The bottomline, tell your dad and do not rely on your insurance. BTW, even if you are involved in an incident for which you are not at fault and your insurance makes any payment to any one (to you or the other party), your insurance will go up. These insurance companies are sooooooooooo f**ked up. They make their rules to gain maximum profit and try to impose them on you as "rules", and in this country you have nothing to do but follow them.
Last edited by bb700092; Oct 27, 2007 at 07:46 AM.
Opinions, opinions
This is my first post ever on this website. I also was an insurance claims adjuster, as was another poster (larsim).
You said that you have a 2007 Maxima and therefore you need it fixed perfectly and properly to retain the value of the vehicle. That car should have full coverage insurance and it will be covered by your father's insurance. A general rule is to always let the insurance cover the repair costs if the deductible is less than the repair costs.
So... my opinion is that you tell your dad, get several bodyshop repair estimates. And if the estimates are expensive or require painting... report it to your insurance.
---------------------
^^ Sorry, none of what you said is true. Insurance is simply a mathematical equation that attempts to measure the "risk" investment of you the "insured". If you get into one or two accidents that are not your fault then your insurance will likely not go up. If you have 4 or 5 accidents that are not your fault then it will and should go up. Why? Because that would put you at a greater risk investment than someone that has less frequent accidents. Age, gender, driving record, credit, place of residence, vehicle make/model are determining factors to insurance companies. Not to mention that many people nowadays file pain/suffering law suits.
Your accident bb700092: You were in a parking lot, for which the police have no jurisdiction and aren't required to enforce traffic laws. Also, you were partly if not fully at fault since you were backing and had the duty to insure that no vehicle was behind you; even "if" it is travelling at an outrageous speed. Your damaged driver-side bumper, indicates that you were not rear ended. Rear ended means that she was directly behind you (and you fully straightened) upon impact. So, why would you expect her insurance to pay for you? You stated that your insurance company found you not at fault but then their records indicated that you were at fault... That would have made me call and request the audio tapes of the conversation.
You said that you have a 2007 Maxima and therefore you need it fixed perfectly and properly to retain the value of the vehicle. That car should have full coverage insurance and it will be covered by your father's insurance. A general rule is to always let the insurance cover the repair costs if the deductible is less than the repair costs.
So... my opinion is that you tell your dad, get several bodyshop repair estimates. And if the estimates are expensive or require painting... report it to your insurance.
---------------------
bb700092: The bottomline, tell your dad and do not rely on your insurance. BTW, even if you are involved in an incident for which you are not at fault and your insurance makes any payment to any one (to you or the other party), your insurance will go up. These insurance companies are sooooooooooo f**ked up. They make their rules to gain maximum profit and try to impose them on you as "rules", and in this country you have nothing to do but follow them.
Your accident bb700092: You were in a parking lot, for which the police have no jurisdiction and aren't required to enforce traffic laws. Also, you were partly if not fully at fault since you were backing and had the duty to insure that no vehicle was behind you; even "if" it is travelling at an outrageous speed. Your damaged driver-side bumper, indicates that you were not rear ended. Rear ended means that she was directly behind you (and you fully straightened) upon impact. So, why would you expect her insurance to pay for you? You stated that your insurance company found you not at fault but then their records indicated that you were at fault... That would have made me call and request the audio tapes of the conversation.
Last edited by Blakfreestyle; Oct 27, 2007 at 09:22 AM. Reason: Spelling
If you get into one or two accidents that are not your fault then your insurance will likely not go up. If you have 4 or 5 accidents that are not your fault then it will and should go up. Why? Because that would put you at a greater risk investment then someone that has less frequent accidents. Age, gender, driving record, credit, place of residence, vehicle make/model are determining factors to insurance companies. Not to mention that many people nowadays file pain/suffering law suits.

I know my responsibilities while driving both forward and backward. Only if the insurance companies knew theirs.
Your damaged driver-side bumper, indicates that you were not rear ended. Rear ended means that she was directly behind you (and you fully straightened) upon impact. So, why would you expect her insurance to pay for you? You stated that your insurance company found you not at fault but then their records indicated that you weren't at fault... That would have made me call and request the audio tapes of the conversation.
Regarding the audio tapes, I find it easier to stay away from unscrupulous people/companies than to deal with them. My insurance company did not even have the courtesy to notify me that they are recording the accident as my fault. And why would they? Does doing that courtesy fetch them any profit? There you have your answer.
Last edited by bb700092; Oct 27, 2007 at 10:57 AM.
And it begins...
Anywho, all of those prices your body shop friend quoted you are outrageous as Xoomer has already said. If you have time to take it to other body shops and get estimates, I would advise you do so. If meeting your $1000 deducatble is difficult and it is going to be more if out of pocket, the solution is simple...get your insurance to pay for it, suck it up and tell your father and grow a sac. Siht happens and like you said, it could have been worse. All "rear enders" are considered your fault and a "following too closely" according to a ticket if issued.
Anywho, all of those prices your body shop friend quoted you are outrageous as Xoomer has already said. If you have time to take it to other body shops and get estimates, I would advise you do so. If meeting your $1000 deducatble is difficult and it is going to be more if out of pocket, the solution is simple...get your insurance to pay for it, suck it up and tell your father and grow a sac. Siht happens and like you said, it could have been worse. All "rear enders" are considered your fault and a "following too closely" according to a ticket if issued.
This is my first post ever on this website. I also was an insurance claims adjuster, as was another poster (larsim).
You said that you have a 2007 Maxima and therefore you need it fixed perfectly and properly to retain the value of the vehicle. That car should have full coverage insurance and it will be covered by your father's insurance. A general rule is to always let the insurance cover the repair costs if the deductible is less than the repair costs.
So... my opinion is that you tell your dad, get several bodyshop repair estimates. And if the estimates are expensive or require painting... report it to your insurance.
---------------------
^^ Sorry, none of what you said is true. Insurance is simply a mathematical equation that attempts to measure the "risk" investment of you the "insured". If you get into one or two accidents that are not your fault then your insurance will likely not go up. If you have 4 or 5 accidents that are not your fault then it will and should go up. Why? Because that would put you at a greater risk investment than someone that has less frequent accidents. Age, gender, driving record, credit, place of residence, vehicle make/model are determining factors to insurance companies. Not to mention that many people nowadays file pain/suffering law suits.
Your accident bb700092: You were in a parking lot, for which the police have no jurisdiction and aren't required to enforce traffic laws. Also, you were partly if not fully at fault since you were backing and had the duty to insure that no vehicle was behind you; even "if" it is travelling at an outrageous speed. Your damaged driver-side bumper, indicates that you were not rear ended. Rear ended means that she was directly behind you (and you fully straightened) upon impact. So, why would you expect her insurance to pay for you? You stated that your insurance company found you not at fault but then their records indicated that you were at fault... That would have made me call and request the audio tapes of the conversation.
You said that you have a 2007 Maxima and therefore you need it fixed perfectly and properly to retain the value of the vehicle. That car should have full coverage insurance and it will be covered by your father's insurance. A general rule is to always let the insurance cover the repair costs if the deductible is less than the repair costs.
So... my opinion is that you tell your dad, get several bodyshop repair estimates. And if the estimates are expensive or require painting... report it to your insurance.
---------------------
^^ Sorry, none of what you said is true. Insurance is simply a mathematical equation that attempts to measure the "risk" investment of you the "insured". If you get into one or two accidents that are not your fault then your insurance will likely not go up. If you have 4 or 5 accidents that are not your fault then it will and should go up. Why? Because that would put you at a greater risk investment than someone that has less frequent accidents. Age, gender, driving record, credit, place of residence, vehicle make/model are determining factors to insurance companies. Not to mention that many people nowadays file pain/suffering law suits.
Your accident bb700092: You were in a parking lot, for which the police have no jurisdiction and aren't required to enforce traffic laws. Also, you were partly if not fully at fault since you were backing and had the duty to insure that no vehicle was behind you; even "if" it is travelling at an outrageous speed. Your damaged driver-side bumper, indicates that you were not rear ended. Rear ended means that she was directly behind you (and you fully straightened) upon impact. So, why would you expect her insurance to pay for you? You stated that your insurance company found you not at fault but then their records indicated that you were at fault... That would have made me call and request the audio tapes of the conversation.
Id have to agree with larsim, claim waiting to happen...lol. Sad but true, all those tickets right when u got the max? 8 months of no tickets aint ****, if your driving the way u should there wouldnt be any tickets. Good luck on NOT getting more and gettin the max fixed, as others said tell your dad and let insurance handle it.
insurance companies are like fat pigs, they eat, they sleep and then they eat again all while getting fatter on the food you provide them.
I went from paying $220 dollars per month to one insurnace company (TD Meloche Monnex) to $112 dollars at (Direct Protect), if i knew better i would have switched a lot earlier. So basically for 2 years i paid twice as much as i should have, they didnt tell me i could have had a lower rate untill my mom asked Direct Protect what the rate for 911 responders was. TD wouldnt even offer me a lower rate until i told them i was leaving.
You know what they say, better your sister a hooker then your brother an insurance salesman.
Kamski
PS- NEW RADIATOR at 1/10th of the cost
PS- NEW AC CONDENSER
PS- NEW BUMPER COVER
I went from paying $220 dollars per month to one insurnace company (TD Meloche Monnex) to $112 dollars at (Direct Protect), if i knew better i would have switched a lot earlier. So basically for 2 years i paid twice as much as i should have, they didnt tell me i could have had a lower rate untill my mom asked Direct Protect what the rate for 911 responders was. TD wouldnt even offer me a lower rate until i told them i was leaving.
You know what they say, better your sister a hooker then your brother an insurance salesman.
Kamski
PS- NEW RADIATOR at 1/10th of the cost
PS- NEW AC CONDENSER
PS- NEW BUMPER COVER
Last edited by kamski; Oct 27, 2007 at 01:48 PM.
Who develops that mathematical equation? God? Do you know there are parameters in that mathematical equation that govern how much emphasis should be given to what kind of accident and how long an accident should be considered while determining premium? And a human sets the values of these parameters in such a way that the insurance companies get maximum profit. If you are trying to argue that insurance companies are well-wishers and are there for taking care of us, then you are completely out of your mind and need immediate medical attention
Again, who determines whether I am at fault or not in an accident? For example, the person who started this thread is not at fault because it is not possible to reduce speed suddenly from 70 mph. But he will be considered at fault by any insurance company because he "rear ended". And his insurance will go up. So his insurance is going up for an accident that he is not at fault. I suggest you use some common sense. OMG, I just realized you can't. Because if you do, the insurance company you work for will lose profit and the first thing they will do is to kick you out.
I do not know where the police have jurisdiction and where they don't but we called a cop and he came and recorded our statements along with a diagram of how everything happened. BTW, who is responsible for enforcing laws in a parking lot? Or, are parking lots left as an area where any accident can be interpreted by insurance companies according to their own benefit?
Now we hear an insurance agent speaking. The first statement an insurance agent learns at his job: "You were partly if not fully at fault since :stfu: even if :stfu:"
I know my responsibilities while driving both forward and backward. Only if the insurance companies knew theirs.
If you want to call it by a name other than "rear ended", you are welcome to but that doesn't change the incident. I never expected her insurance to pay for me, I was only not expecting the accident to be reported as my fault. That statement in bold does not make any sense to me. FYI, there is a button "Preview Post" below the box where someone types his/her message if you go advanced.
Regarding the audio tapes, I find it easier to stay away from unscrupulous people/companies than to deal with them. My insurance company did not even have the courtesy to notify me that they are recording the accident as my fault. And why would they? Does doing that courtesy fetch them any profit? There you have your answer.
Again, who determines whether I am at fault or not in an accident? For example, the person who started this thread is not at fault because it is not possible to reduce speed suddenly from 70 mph. But he will be considered at fault by any insurance company because he "rear ended". And his insurance will go up. So his insurance is going up for an accident that he is not at fault. I suggest you use some common sense. OMG, I just realized you can't. Because if you do, the insurance company you work for will lose profit and the first thing they will do is to kick you out.
I do not know where the police have jurisdiction and where they don't but we called a cop and he came and recorded our statements along with a diagram of how everything happened. BTW, who is responsible for enforcing laws in a parking lot? Or, are parking lots left as an area where any accident can be interpreted by insurance companies according to their own benefit?
Now we hear an insurance agent speaking. The first statement an insurance agent learns at his job: "You were partly if not fully at fault since :stfu: even if :stfu:"
I know my responsibilities while driving both forward and backward. Only if the insurance companies knew theirs.
If you want to call it by a name other than "rear ended", you are welcome to but that doesn't change the incident. I never expected her insurance to pay for me, I was only not expecting the accident to be reported as my fault. That statement in bold does not make any sense to me. FYI, there is a button "Preview Post" below the box where someone types his/her message if you go advanced.
Regarding the audio tapes, I find it easier to stay away from unscrupulous people/companies than to deal with them. My insurance company did not even have the courtesy to notify me that they are recording the accident as my fault. And why would they? Does doing that courtesy fetch them any profit? There you have your answer.
bb700092 -- It is obvious you had a bad experience on your claim. That sucks. I am mean it. Worst yet. This is what happens when someone has a bad claim. They automatically assume the entire insurance industry is evil and all they care about is making $$. Of course they want to make $. Do you know of any company open for business that does not want to make $? But I will say this. I just heard the news regarding the damages in CA from the wild fires may top 2.5 Billion Dollars in damage. That's right. Billion with a "B". These billions of dollars do not grow on trees by the way
. It comes from the premiums you and I pay into the insurance company.I am not being sarcastic in any way. But have you heard of safe driving? Safe driving entails you keep at least 3-4 vehicles distance from the vehicle ahead of you. Simply put. The other driver had complete control of his/her vehicle. Our beloved org member did not. As a matter of fact, had our beloved org member been practicing safe driving
(i.e. 3-4 vehicles distance) he would not have gotten into an accident. As for who is responsible for who has jurisdiction over private parking lots -- this is a very broad question. It depends upon your state laws and/or your local city or county rules and negligence laws. Every State is different.
insurance companies are like fat pigs, they eat, they sleep and then they eat again all while getting fatter on the food you provide them.
I went from paying $220 dollars per month to one insurnace company (TD Meloche Monnex) to $112 dollars at (Direct Protect), if i knew better i would have switched a lot earlier. So basically for 2 years i paid twice as much as i should have, they didnt tell me i could have had a lower rate untill my mom asked Direct Protect what the rate for 911 responders was. TD wouldnt even offer me a lower rate until i told them i was leaving.
You know what they say, better your sister a hooker then your brother an insurance salesman.
Kamski
PS- NEW RADIATOR at 1/10th of the cost
PS- NEW AC CONDENSER
PS- NEW BUMPER COVER
I went from paying $220 dollars per month to one insurnace company (TD Meloche Monnex) to $112 dollars at (Direct Protect), if i knew better i would have switched a lot earlier. So basically for 2 years i paid twice as much as i should have, they didnt tell me i could have had a lower rate untill my mom asked Direct Protect what the rate for 911 responders was. TD wouldnt even offer me a lower rate until i told them i was leaving.
You know what they say, better your sister a hooker then your brother an insurance salesman.
Kamski
PS- NEW RADIATOR at 1/10th of the cost
PS- NEW AC CONDENSER
PS- NEW BUMPER COVER
As a father myself, my advice to you is:
TELL YOUR DAD!!!!!
After that, he will help you make the correct decisions to get the car put back together. He will be glad that you were not hurt, the car can be fixed/replaced, you can not. End of life lesson.
Glad you weren't hurt.
TELL YOUR DAD!!!!!
After that, he will help you make the correct decisions to get the car put back together. He will be glad that you were not hurt, the car can be fixed/replaced, you can not. End of life lesson.
Glad you weren't hurt.
WOW! $1000 deductible? Thats crazy high. I dont know what "basic" coverage is where you live, but in illinios its only like 14k. You should shop around some more for "better insurance". Think about it, if you had seriously rear ended an S550 the damage to that car and your car most likely would have been far above 14k. The BENZ might have been more than that alone. So what do you have?, 14k thats covered (going toward the BENZ). Residual amount on the BENZ that wasn't covered by insurance, that YOU will somehow be responsible for. And a maxima that has yet to be touched by any body shop, oh yeah that you'd also be on the hook for cause that 14k was gone long ago. But i will say good luck though.
insurance companies are like fat pigs, they eat, they sleep and then they eat again all while getting fatter on the food you provide them.
I went from paying $220 dollars per month to one insurnace company (TD Meloche Monnex) to $112 dollars at (Direct Protect), if i knew better i would have switched a lot earlier. So basically for 2 years i paid twice as much as i should have, they didnt tell me i could have had a lower rate untill my mom asked Direct Protect what the rate for 911 responders was. TD wouldnt even offer me a lower rate until i told them i was leaving.
You know what they say, better your sister a hooker then your brother an insurance salesman.
Kamski
I went from paying $220 dollars per month to one insurnace company (TD Meloche Monnex) to $112 dollars at (Direct Protect), if i knew better i would have switched a lot earlier. So basically for 2 years i paid twice as much as i should have, they didnt tell me i could have had a lower rate untill my mom asked Direct Protect what the rate for 911 responders was. TD wouldnt even offer me a lower rate until i told them i was leaving.
You know what they say, better your sister a hooker then your brother an insurance salesman.
Kamski
Kamski -- you completed where I left off. Good job.
As a father myself, my advice to you is:
TELL YOUR DAD!!!!!
After that, he will help you make the correct decisions to get the car put back together. He will be glad that you were not hurt, the car can be fixed/replaced, you can not. End of life lesson.
Glad you weren't hurt.
TELL YOUR DAD!!!!!
After that, he will help you make the correct decisions to get the car put back together. He will be glad that you were not hurt, the car can be fixed/replaced, you can not. End of life lesson.
Glad you weren't hurt.

Over next 3 years you will fork over to the insurance company more than $1700 anyway.
now
If you fix it on your own with parts everybody has been giving you links for, you will probably still pay $1000 out of pocket but at least your insurance will not go over.
WOW! $1000 deductible? Thats crazy high. I dont know what "basic" coverage is where you live, but in illinios its only like 14k. You should shop around some more for "better insurance". Think about it, if you had seriously rear ended an S550 the damage to that car and your car most likely would have been far above 14k. The BENZ might have been more than that alone. So what do you have?, 14k thats covered (going toward the BENZ). Residual amount on the BENZ that wasn't covered by insurance, that YOU will somehow be responsible for. And a maxima that has yet to be touched by any body shop, oh yeah that you'd also be on the hook for cause that 14k was gone long ago. But i will say good luck though.
where did the 14k come from. I am lost.
Now, now; lets play nice.
It surely seems to most claimants that insurance companies are simply a hose siphoning every penny out of their pockets.
But, with all the hundreds of thousands of accidents, staged accidents and thefts, plus natural disasters such as floods, fires, hail, etc wiping cars out by the millions all across the nation, insurance companies probably feel they won't be able to stay in business.
It all depends on ones point of view.
In all honesty, without insurance being required of all drivers, it would be foolish to even risk getting on the road. I remember the days of yore, over fifty years ago, when insurance was not required. I was hit several times by out-of-control drivers, and none had insurance. Despite taking legal action, I never really obtained much of anything in compensation from any guilty party.
We need to accept that vehicles are not bumper cars, and even a very minor accident can easily cost $5,000. The insane cost of auto repairs is a huge problem for insurance companies. Consumer Reports tested lots of vehicles last year with 5 mph front and rear impacts, and the results were disastrous. I hate to think what 10 mph would have done.
Some insurance companies truly have no interest in anything but the bottom line. But most of the large 'name' companies seem to be treating folks reasonably well. I left State Farm in 1958 for a better rate with Safeco. After three years with Safeco, I decided that, even though Safeco was OK, I missed the personal contact I had enjoyed with my State Farm agent, so went back, and have been with them the last 47 years.
Having a good rapport with your agent never hurts.
I drop by my agent's office to pay my premium every six months, and chat a bit. Sometimes, I drop off some veggies from our garden, which are appreciated. Although I tend to move along rather briskly in my Maxima, I try to keep everything around me in focus, slow down when I see any uncertain situation, and avoid exceeding the speed limit flagrantly.
My last speeding ticket was in 1994. I have been in five accidents with other vehicles and hit three deer in 58 years. In the accidents (last one was 1968), the other driver was always charged. The three collisions with deer were handled by my State Farm agent under the comprehensive clause, which was great for me, as each of the three cost between $2,000 and $3,200 to repair.
Those here with nice bank accounts, etc, that might be tempting targets for litigation should a lawsuit 'happen' should seriously consider an 'unbrella' policy which would cover costs that exceed the limits of normal homeowners or auto insurance policies. Umbrella policies are surprisingly inexpensive.
In summary, I have been very happy with my auto insurance experiences, and am very thankful they would be there for me if something really bad happened.
It surely seems to most claimants that insurance companies are simply a hose siphoning every penny out of their pockets.
But, with all the hundreds of thousands of accidents, staged accidents and thefts, plus natural disasters such as floods, fires, hail, etc wiping cars out by the millions all across the nation, insurance companies probably feel they won't be able to stay in business.
It all depends on ones point of view.
In all honesty, without insurance being required of all drivers, it would be foolish to even risk getting on the road. I remember the days of yore, over fifty years ago, when insurance was not required. I was hit several times by out-of-control drivers, and none had insurance. Despite taking legal action, I never really obtained much of anything in compensation from any guilty party.
We need to accept that vehicles are not bumper cars, and even a very minor accident can easily cost $5,000. The insane cost of auto repairs is a huge problem for insurance companies. Consumer Reports tested lots of vehicles last year with 5 mph front and rear impacts, and the results were disastrous. I hate to think what 10 mph would have done.
Some insurance companies truly have no interest in anything but the bottom line. But most of the large 'name' companies seem to be treating folks reasonably well. I left State Farm in 1958 for a better rate with Safeco. After three years with Safeco, I decided that, even though Safeco was OK, I missed the personal contact I had enjoyed with my State Farm agent, so went back, and have been with them the last 47 years.
Having a good rapport with your agent never hurts.
I drop by my agent's office to pay my premium every six months, and chat a bit. Sometimes, I drop off some veggies from our garden, which are appreciated. Although I tend to move along rather briskly in my Maxima, I try to keep everything around me in focus, slow down when I see any uncertain situation, and avoid exceeding the speed limit flagrantly.
My last speeding ticket was in 1994. I have been in five accidents with other vehicles and hit three deer in 58 years. In the accidents (last one was 1968), the other driver was always charged. The three collisions with deer were handled by my State Farm agent under the comprehensive clause, which was great for me, as each of the three cost between $2,000 and $3,200 to repair.
Those here with nice bank accounts, etc, that might be tempting targets for litigation should a lawsuit 'happen' should seriously consider an 'unbrella' policy which would cover costs that exceed the limits of normal homeowners or auto insurance policies. Umbrella policies are surprisingly inexpensive.
In summary, I have been very happy with my auto insurance experiences, and am very thankful they would be there for me if something really bad happened.
...
But, with all the hundreds of thousands of accidents, staged accidents and thefts, plus natural disasters such as floods, fires, hail, etc wiping cars out by the millions all across the nation, insurance companies probably feel they won't be able to stay in business.
...
But, with all the hundreds of thousands of accidents, staged accidents and thefts, plus natural disasters such as floods, fires, hail, etc wiping cars out by the millions all across the nation, insurance companies probably feel they won't be able to stay in business.
...
I'd have to disagree here. Recent data shows that insurance is the 2nd biggest industry in the US of A
insurance companies are like fat pigs, they eat, they sleep and then they eat again all while getting fatter on the food you provide them.
I went from paying $220 dollars per month to one insurnace company (TD Meloche Monnex) to $112 dollars at (Direct Protect), if i knew better i would have switched a lot earlier. So basically for 2 years i paid twice as much as i should have, they didnt tell me i could have had a lower rate untill my mom asked Direct Protect what the rate for 911 responders was. TD wouldnt even offer me a lower rate until i told them i was leaving.
You know what they say, better your sister a hooker then your brother an insurance salesman.
Kamski
PS- NEW RADIATOR at 1/10th of the cost
PS- NEW AC CONDENSER
PS- NEW BUMPER COVER
I went from paying $220 dollars per month to one insurnace company (TD Meloche Monnex) to $112 dollars at (Direct Protect), if i knew better i would have switched a lot earlier. So basically for 2 years i paid twice as much as i should have, they didnt tell me i could have had a lower rate untill my mom asked Direct Protect what the rate for 911 responders was. TD wouldnt even offer me a lower rate until i told them i was leaving.
You know what they say, better your sister a hooker then your brother an insurance salesman.
Kamski
PS- NEW RADIATOR at 1/10th of the cost
PS- NEW AC CONDENSER
PS- NEW BUMPER COVER
I went from Meloche/Monnex to Belair Insurance with the Shock Proof policy which basically states that you can have up to two claims and it won't affect your policy, plus your rate is a two year contract.
Just my $.02 Can. I would try and buy the parts anywhere you can but bare in mind that this is an 07 so make sure it's relatively new and go with a local body shop and mechanic that can do the job for the least amount of money without sacrificing the quality of workmanship. If you do decide to have the work done outside of the stealership's body shop you will save some $ but bare in mind that some stealerships offer a lifetime warranty on their workmanship quality....and that includes paint and installation.
TELL YOUR DAD!!!!!
I went through what you are going through many years ago (over 20 for sure) with my dad and I can honestly say this: Sooner or later your Dad will find out....they always do somehow...and he will be really hurt that you didn't come out and seek his advice. This will cause all sorts of problems in the long run within your relationship with your dad...plus he will respect you more for having the guts to tell him.
Don't tell him that you were considering hiding this from him, instead tell him that you were considering all the options in order to have as many facts as possible before coming to talk to him.
Ask him for his advice first!
Last edited by xorbitman; Oct 27, 2007 at 08:43 PM.
Hi Kamski - good to hear from you!
I went from Meloche/Monnex to Belair Insurance with the Shock Proof policy which basically states that you can have up to two claims and it won't affect your policy, plus your rate is a two year contract.
Just my $.02 Can. I would try and buy the parts anywhere you can but bare in mind that this is an 07 so make sure it's relatively new and go with a local body shop and mechanic that can do the job for the least amount of money without sacrificing the quality of workmanship. If you do decide to have the work done outside of the stealership's body shop you will save some $ but bare in mind that some stealerships offer a lifetime warranty on their workmanship quality....and that includes paint and installation.
I went from Meloche/Monnex to Belair Insurance with the Shock Proof policy which basically states that you can have up to two claims and it won't affect your policy, plus your rate is a two year contract.
Just my $.02 Can. I would try and buy the parts anywhere you can but bare in mind that this is an 07 so make sure it's relatively new and go with a local body shop and mechanic that can do the job for the least amount of money without sacrificing the quality of workmanship. If you do decide to have the work done outside of the stealership's body shop you will save some $ but bare in mind that some stealerships offer a lifetime warranty on their workmanship quality....and that includes paint and installation.
down here rates are good only for 6 months and insurance goes up because you decided to make an extra turn on the way home. as to lifetime warranties from stealership, fugheddaboutit!!!
It was just a hypothetical situation. I was just talking about his comment on having basic coverage. And if he WAS to have an accident and the damage surpassed his "basic coverage". And you're not lost, you just must've missed that part. It's cool.
Last edited by lowpro19s; Oct 27, 2007 at 09:20 PM.
OH OK, so you mean to tell me that people actually own 6th gens without full coverage? thats like having no coverage at all.
Yeah i agree. But the realization of it is that there are people with 6th gens and even better cars who drive without proper insurance. At a reputable dealership they only need to see that you have insurance before you drive off the lot. That doesnt mean that a person has to keep up with their ins payments. There's a difference between no insurance and being under insured which, if he has "basic" coverage, in a really bad accident he'd probably be under insured.
alright, thanks a lot for the replies - guys.
so far, i haven't told him yet because i'm still waiting for a proper estimate (cause whatever i posted was retail prices) - i spoke to my dealership, they said they are willing to give me 20 % off. i've asked other dealerships if they are willing to give me more discount. i'll find out tommorow morning.
with 20 % off, it comes out to roughly 1679.22 $ (CAD) including taxes. now that's just parts. so far i haven't spoken about labor/paint etc. i'm still looking around. i got in touch with abcnissanwholesale.com - they got wicked prices, before taxes/shipping and duty its roughly 900 US $ but now thats without shipping/duty and taxes and the shipping time is about 2 weeks. so i don't think i'll go with that option cause by the time it comes to me, it'll be almost 1500 $ or so. let's see, i'll find out tommorow morning what's the best prices i can get so far - most dealerships said only 15 % and the car is so new that local places have nothing.
onto the insurance - i don't think i'll go through insurance because i can afford 1500 $ (not that i want to afford it) but yeah, i spoke to my brother and girlfriend - well my gf was there when this happened and she offered to pay for the whole thing (yeah, let's say if it wasn't for her, i'd go crazy so i'm really glad she was with me) so anyways, my brother and gf are telling me to take the money from them - i personally can do 1500 $ so i'm thinking i'll just go that route as i start working this coming friday and i could pay them in a month or two i.e another 500-1000 $ (if it goes upto that much) considering i have 3 speeding tickets. i rather not risk going through insurance. it sucks though the fact that you have insurance for a reason - why pay for insurance when you can't even use it properly? everyone is just scared of insurance premiums going up. that's just messed up. you get into an accident, you've been paying them forever but you can't use them cause your insurance premiums go up - even if you aren't at fault? that's bull****.
now onto if it was at fault or not, i don't know but someone above said "our beloved member was at fault considering he wasn't driving safe" alright, i know where you're coming from but i was at a 1-2 cars distance if not 3-4 cars. you weren't in my situation, little did i know the suv infront of me would brake all of a sudden, ive been driving on the highway almost everyday and its been a year, never did i even come close to having an accident and on a day when i'm driving safe. yes i know it's not 3-4 cars but it was atleast 1-2 cars, wasn't speeding so having to go through what i did sucks because i could understand if it was a major accident but it looks SO minor ! - i don't have pictures yet, i'll take them tommorow but honestly, all you can see is the grill broken - that's it :S and for that i'll be paying a fortune and THAT HURTS ! and yes, thanks for the advice though, i learnt my lesson - i sure will be 3-4 cars distance now. i love my car too much for it to go through what i'm going through once again so i'll make sure i drive safe in the future.
and whoever said glad i wasn't hurt, thanks for the best wishes - really appreciate it, and thanks to EVERYONE who tried helping me out and giving me the right advice. i have looked at the links and i might be considering them. i don't plan to use used parts, i want to go through the "NEW PARTS" route only because it's a brand new car and i don't want to put used parts in it. anyhow, let's see what happens tommorow morning, i'll be getting a proper estimate.
p.s: now that i think of it, i've always wanted to put 20's on my car, the amount of money i'm spending could have gotten me those shiny rims
- life does suck sometimes. oh well, **** happens, i feel a lot better thanks to you guys and my gf, ofcourse and yeah like i said, it could have been a lot worser but i'm glad me and my gf are ok. you guys rock, thanks for the support so far...
so far, i haven't told him yet because i'm still waiting for a proper estimate (cause whatever i posted was retail prices) - i spoke to my dealership, they said they are willing to give me 20 % off. i've asked other dealerships if they are willing to give me more discount. i'll find out tommorow morning.
with 20 % off, it comes out to roughly 1679.22 $ (CAD) including taxes. now that's just parts. so far i haven't spoken about labor/paint etc. i'm still looking around. i got in touch with abcnissanwholesale.com - they got wicked prices, before taxes/shipping and duty its roughly 900 US $ but now thats without shipping/duty and taxes and the shipping time is about 2 weeks. so i don't think i'll go with that option cause by the time it comes to me, it'll be almost 1500 $ or so. let's see, i'll find out tommorow morning what's the best prices i can get so far - most dealerships said only 15 % and the car is so new that local places have nothing.
onto the insurance - i don't think i'll go through insurance because i can afford 1500 $ (not that i want to afford it) but yeah, i spoke to my brother and girlfriend - well my gf was there when this happened and she offered to pay for the whole thing (yeah, let's say if it wasn't for her, i'd go crazy so i'm really glad she was with me) so anyways, my brother and gf are telling me to take the money from them - i personally can do 1500 $ so i'm thinking i'll just go that route as i start working this coming friday and i could pay them in a month or two i.e another 500-1000 $ (if it goes upto that much) considering i have 3 speeding tickets. i rather not risk going through insurance. it sucks though the fact that you have insurance for a reason - why pay for insurance when you can't even use it properly? everyone is just scared of insurance premiums going up. that's just messed up. you get into an accident, you've been paying them forever but you can't use them cause your insurance premiums go up - even if you aren't at fault? that's bull****.
now onto if it was at fault or not, i don't know but someone above said "our beloved member was at fault considering he wasn't driving safe" alright, i know where you're coming from but i was at a 1-2 cars distance if not 3-4 cars. you weren't in my situation, little did i know the suv infront of me would brake all of a sudden, ive been driving on the highway almost everyday and its been a year, never did i even come close to having an accident and on a day when i'm driving safe. yes i know it's not 3-4 cars but it was atleast 1-2 cars, wasn't speeding so having to go through what i did sucks because i could understand if it was a major accident but it looks SO minor ! - i don't have pictures yet, i'll take them tommorow but honestly, all you can see is the grill broken - that's it :S and for that i'll be paying a fortune and THAT HURTS ! and yes, thanks for the advice though, i learnt my lesson - i sure will be 3-4 cars distance now. i love my car too much for it to go through what i'm going through once again so i'll make sure i drive safe in the future.
and whoever said glad i wasn't hurt, thanks for the best wishes - really appreciate it, and thanks to EVERYONE who tried helping me out and giving me the right advice. i have looked at the links and i might be considering them. i don't plan to use used parts, i want to go through the "NEW PARTS" route only because it's a brand new car and i don't want to put used parts in it. anyhow, let's see what happens tommorow morning, i'll be getting a proper estimate.
p.s: now that i think of it, i've always wanted to put 20's on my car, the amount of money i'm spending could have gotten me those shiny rims
- life does suck sometimes. oh well, **** happens, i feel a lot better thanks to you guys and my gf, ofcourse and yeah like i said, it could have been a lot worser but i'm glad me and my gf are ok. you guys rock, thanks for the support so far...
Last edited by trance.addict; Oct 28, 2007 at 01:28 PM.
and to the guy that said wtf, your dad bought you a maxima? correction - it's a family car.
p.s: i wish activetuning had made a nice grill for the 07 maxima, i would have considered buying it.
p.s: i wish activetuning had made a nice grill for the 07 maxima, i would have considered buying it.




