Car Accident... with pics

[dirtylimey]

Pictures:

Keeerash

So I'm taking my 3 year old to the beach, because its a nice day and we are bored.

I'm going down a pretty straight road, (abiding the speed limit, 35) when the guy in front of me puts his left turn signal on. So I slow down, come to a stop behind him, check my mirror only to see a car coming towards me pretty fast..

I had enough time to brace for impact and think 'Oh shit', then BOOM. Car hits me straight into the guy in front of me.

Best part coming up:

The lady that hit me started yelling "Yo raht turn signal was on, i though yo was goin raht" (which makes no sense because it wasn't and even if it was, I wasn't aware that having your right turn signal on was also a 'Crash my car into you? sure!' signal.

Anyway, the car that hit me = uninsured.

I go to ask the guy that I got hit into about his insurance. 'uhh no ingles.'

Mexican guy with no insurance.

I've never been in an accident like this before, I assume i'm totally not at fault and I do have uninsured motorist coverage and such. So aside from the $500 deductible, I should be good right? Will my premium go up?

Cliffs:

-Got rear ended, pushed into another car in front of me
-I'm the only insured motorist
-I shouldnt be at fault, but will my premium go up anyway?
-I hate people

 

[Baked]

Please tell me you had the brains to call the popo at the scene or at least wrote down the plates of the 2 uninsured douchebags so you can hunt them down and disembowel them on a later date.

 

[nismotigerwvu]

First and foremost, its a great thing both you and your 3 year old are alright. You aren't at fault and have little to worry about. The ones who should be quaking in their boots are the uninsured drivers.

 

[nick1985]

Yeah I hope you called the cops...

 

[dirtylimey]

Yeah I called the Police and neither of the A+ citizens did a runner fortunately. Oh and my bumper pretty much fell off entirely just as I got home.

So my premium wont go up right? Or shouldn't?

I'm with progressive and they have been nice so far on the phone... Gonna hook me up with a rental on monday and such.

 

[Vette73]

Sorry but you may be at fault for hitting the guy in front of you. I can;t remember the exact name but its on the line of following to close/not leaving enough room type thing.

If they say if you had been at a normal length from the car in front then it would not have happened then you are at fault. But if they believe the person that hit you were at such a speed that even if you were not that close you still would have hit them then you are not at fault.

But glad you are ok and just let your insurance cover it. But please show up for court to make sure they are found guilty for not having insurance. Also you can sue then person who hit you for your deductible in small claims court.

 

[dirtylimey]

Originally posted by: Marlin1975
Sorry but you may be at fault for hitting the guy in front of you. I can;t remember the exact name but its on the line of following to close/not leaving enough room type thing.

If they say if you had been at a normal length from the car in front then it would not have happened then you are at fault. But if they believe the person that hit you were at such a speed that even if you were not that close you still would have hit them then you are not at fault.

But glad you are ok and just let your insurance cover it. But please show up for court to make sure they are found guilty for not having insurance. Also you can sue then person who hit you for your deductible in small claims court.

Thx.

I'm pretty sure Wisconsin does not require you have to have auto insurance by law, so I'm not sure if these idiots can even get in trouble... 🙁

Would it even be worth suing to get the deductible? As far as legal costs and such? I dont imagine the people that hit me would be able to afford it either..

 

[RKS]

n/m

 

[Agentbolt]

Originally posted by: dirtylimey

Originally posted by: Marlin1975
Sorry but you may be at fault for hitting the guy in front of you. I can;t remember the exact name but its on the line of following to close/not leaving enough room type thing.

If they say if you had been at a normal length from the car in front then it would not have happened then you are at fault. But if they believe the person that hit you were at such a speed that even if you were not that close you still would have hit them then you are not at fault.

But glad you are ok and just let your insurance cover it. But please show up for court to make sure they are found guilty for not having insurance. Also you can sue then person who hit you for your deductible in small claims court.

Thx.

I'm pretty sure Wisconsin does not require you have to have auto insurance by law, so I'm not sure if these idiots can even get in trouble... 🙁

Would it even be worth suing to get the deductible? As far as legal costs and such? I dont imagine the people that hit me would be able to afford it either..

You are NOT at fault for hitting the guy in front of you. You're required to keep a distance between you and another car while moving, not stopped. The guy who rear ended you is at fault for all the damage. I've never seen it shake out any other way. That's good news #1.

You don't need to sue anyone. Your insurance company is going to start making things very unpleasant for the person who hit you. In some states, they can even get her license suspended until she pays for all the damage! Anyways, once they get her to pay, they'll give you back your deductible as well. Of course, if she never pays, you'll never get it back, but let them handle trying to recover it. They can be a lot more proactive about it than you can thru small claims court.

I don't work with Wisconsin policies so I'm not sure if you're required to have insurance or not, but even in states where you're not required to have it, you're supposed to be able to demonstrate financial responsibility. So if they don't/can't pay for your damages, they weren't being financially responsible and the cops can bust them. They won't, I've never seen a cop bust someone in a state like that, but they can.

Your rates might go up. This isn't an at-fault collision so they most likely won't, depending on your rating with them. If you've been good and are considered low risk it won't, however if you're high risk sometimes the rate goes up. The insurance company is going to spend a decent chunk of change trying to recover this money for you and for themselves, so in the higher-risk bracket they sometimes rate a little bit higher to make up for that effort they expended.

 

[CKent]

Originally posted by: Marlin1975
Sorry but you may be at fault for hitting the guy in front of you. I can;t remember the exact name but its on the line of following to close/not leaving enough room type thing.

If they say if you had been at a normal length from the car in front then it would not have happened then you are at fault. But if they believe the person that hit you were at such a speed that even if you were not that close you still would have hit them then you are not at fault.

But glad you are ok and just let your insurance cover it. But please show up for court to make sure they are found guilty for not having insurance. Also you can sue then person who hit you for your deductible in small claims court.

Not sure if that pertains when you're at a full stop. Still, looking at the pictures it doesn't look like the woman behind him hit him too hard, so I have to wonder how he managed to hit the guy in front of him so hard - it looks like the damage in front is much worse than in back.

 

[Homerboy]

Originally posted by: dirtylimey

Originally posted by: Marlin1975
Sorry but you may be at fault for hitting the guy in front of you. I can;t remember the exact name but its on the line of following to close/not leaving enough room type thing.

If they say if you had been at a normal length from the car in front then it would not have happened then you are at fault. But if they believe the person that hit you were at such a speed that even if you were not that close you still would have hit them then you are not at fault.

But glad you are ok and just let your insurance cover it. But please show up for court to make sure they are found guilty for not having insurance. Also you can sue then person who hit you for your deductible in small claims court.

Thx.

I'm pretty sure Wisconsin does not require you have to have auto insurance by law, so I'm not sure if these idiots can even get in trouble... 🙁

Would it even be worth suing to get the deductible? As far as legal costs and such? I dont imagine the people that hit me would be able to afford it either..

Nope good ole WI doesn't I just simply can't understand that.
Were do you live?

 

[Joemonkey]

subrogation is what you guys are talking about as far as getting your deductible back from the uninsured asshats... I've been in like 5 accidents, and the only one that was deemed my fault (which was BS, but that's another story) was the only one where all parties involved had car insurance. Too many uninsured douche bags out there, and it doesn't matter to the cops it seems, I did a ton of research on a couple of them and sent the cops the info asking to have them arrested, etc. and never heard another thing about it.

 

[JEDI]

Originally posted by: dirtylimey
Pictures:

Keeerash

So I'm taking my 3 year old to the beach, because its a nice day and we are bored.

I'm going down a pretty straight road, (abiding the speed limit, 35) when the guy in front of me puts his left turn signal on. So I slow down, come to a stop behind him, check my mirror only to see a car coming towards me pretty fast..

I had enough time to brace for impact and think 'Oh shit', then BOOM. Car hits me straight into the guy in front of me.

Best part coming up:

The lady that hit me started yelling "Yo raht turn signal was on, i though yo was goin raht" (which makes no sense because it wasn't and even if it was, I wasn't aware that having your right turn signal on was also a 'Crash my car into you? sure!' signal.

Anyway, the car that hit me = uninsured.

I go to ask the guy that I got hit into about his insurance. 'uhh no ingles.'

Mexican guy with no insurance.

I've never been in an accident like this before, I assume i'm totally not at fault and I do have uninsured motorist coverage and such. So aside from the $500 deductible, I should be good right? Will my premium go up?

Cliffs:

-Got rear ended, pushed into another car in front of me
-I'm the only insured motorist
-I shouldnt be at fault, but will my premium go up anyway?
-I hate people

call the police and have the 2 uninsured motorist arrested! and deported!

yes, u being the only guy w/$, will be paying for the other 2.

take them to court, and garish their wages, if any.

 

[rh71]

Originally posted by: Agentbolt
Anyways, once they get her to pay, they'll give you back your deductible as well. Of course, if she never pays, you'll never get it back, but let them handle trying to recover it.

why do i even pay for auto insurance if somene can just not pay because they simply can't?

 

[Mermaidman]

Originally posted by: rh71

Originally posted by: Agentbolt
Anyways, once they get her to pay, they'll give you back your deductible as well. Of course, if she never pays, you'll never get it back, but let them handle trying to recover it.

why do i even pay for auto insurance if somene can just not pay because they simply can't?

To protect yourself.

As for the OP, I hope the person who hit your rear doesn't claim that you hit the car in front FIRST.

 

[adairusmc]

Originally posted by: rh71

Originally posted by: Agentbolt
Anyways, once they get her to pay, they'll give you back your deductible as well. Of course, if she never pays, you'll never get it back, but let them handle trying to recover it.

why do i even pay for auto insurance if somene can just not pay because they simply can't?

Sounds like a good reason to bring back debtors' prisons.

 

[yhelothar]

Originally posted by: Marlin1975
Sorry but you may be at fault for hitting the guy in front of you. I can;t remember the exact name but its on the line of following to close/not leaving enough room type thing.

If they say if you had been at a normal length from the car in front then it would not have happened then you are at fault. But if they believe the person that hit you were at such a speed that even if you were not that close you still would have hit them then you are not at fault.

But glad you are ok and just let your insurance cover it. But please show up for court to make sure they are found guilty for not having insurance. Also you can sue then person who hit you for your deductible in small claims court.

nah the most behind person to hit takes the lability for everyone.

 

[Homerboy]

Originally posted by: Joemonkey
subrogation is what you guys are talking about as far as getting your deductible back from the uninsured asshats... I've been in like 5 accidents, and the only one that was deemed my fault (which was BS, but that's another story) was the only one where all parties involved had car insurance. Too many uninsured douche bags out there, and it doesn't matter to the cops it seems, I did a ton of research on a couple of them and sent the cops the info asking to have them arrested, etc. and never heard another thing about it.

Yeaaaaaaaaaaaaap.
Kohn does subro in WI in fact Joemonkey. Funny how things come around full circle.

 

[Agentbolt]

Originally posted by: rh71

Originally posted by: Agentbolt
Anyways, once they get her to pay, they'll give you back your deductible as well. Of course, if she never pays, you'll never get it back, but let them handle trying to recover it.

why do i even pay for auto insurance if somene can just not pay because they simply can't?

If someone CAN'T pay for their insurance, they're not allowed to drive because they're not financially able to pay for someone else's damage. ("responsible")

You pay for auto insurance for the same reason most of us do: Because it's the only way you'd be able to pay for it if you caused 10000 dollars worth of damage. You're legally required to be able to do that. If you're not, and you drive, you're driving illegally.

 

[ed21x]

Originally posted by: CKent

Originally posted by: Marlin1975
Sorry but you may be at fault for hitting the guy in front of you. I can;t remember the exact name but its on the line of following to close/not leaving enough room type thing.

If they say if you had been at a normal length from the car in front then it would not have happened then you are at fault. But if they believe the person that hit you were at such a speed that even if you were not that close you still would have hit them then you are not at fault.

But glad you are ok and just let your insurance cover it. But please show up for court to make sure they are found guilty for not having insurance. Also you can sue then person who hit you for your deductible in small claims court.

Not sure if that pertains when you're at a full stop. Still, looking at the pictures it doesn't look like the woman behind him hit him too hard, so I have to wonder how he managed to hit the guy in front of him so hard - it looks like the damage in front is much worse than in back.

in all cars, the rear is far more reinforced than the front. the front is designed to crumble on impact to prevent the passenger from being thrown forward during a head on collision, while getting hit from the rear is only pressing the person into their seat.

 

[dirtylimey]

Originally posted by: CKent
Not sure if that pertains when you're at a full stop. Still, looking at the pictures it doesn't look like the woman behind him hit him too hard, so I have to wonder how he managed to hit the guy in front of him so hard - it looks like the damage in front is much worse than in back.

Hmm, are you serious? I cant see from the pictures how you could think the front took the most of the damage... The back is totally hosed, my bumper is hanging off 😛 The front facia is just popping out a little.

I may have crept closer to the guy in front of me when i saw the people behind me were closing the distance pretty fast.. Either way, i wasnt bumper to bumper with the guy in front of me.

Back end damage

Front end damage

Guy in front of me

I notice the car of the people that crashed into the back of me was leaking oil or coolant as they drove it off... Also, not pictured, my exhaust tip came off and there were chunks of plastic from the car that hit me INSIDE my tail pipe 😛 I had to pull pretty hard to get those pieces out of there.

I was there to hear the police reports and such and the person behind me wasn't trying to get out of it, despite her insisting that my right turn signal was on... Which is irrelevant. There was a witness to who was also a mexican and was in my favor... Guess I will have to wait and see what happens with this one.

Just realized I hadn't uploaded a pic of the car that hit me, so here it is:

Car that rear ended me

I've only made like, 4 payments on this car so far 🙁

 

[rh71]

Originally posted by: Agentbolt

Originally posted by: rh71

Originally posted by: Agentbolt
Anyways, once they get her to pay, they'll give you back your deductible as well. Of course, if she never pays, you'll never get it back, but let them handle trying to recover it.

why do i even pay for auto insurance if somene can just not pay because they simply can't?

If someone CAN'T pay for their insurance, they're not allowed to drive because they're not financially able to pay for someone else's damage. ("responsible")

You pay for auto insurance for the same reason most of us do: Because it's the only way you'd be able to pay for it if you caused 10000 dollars worth of damage. You're legally required to be able to do that. If you're not, and you drive, you're driving illegally.

No wonder so many illegals don't care to pay it... "driving illegally" is not a real punishment. Having a collection agency come after you is not a real punishment. I'm just sick of seeing people end their sentence with "well if they can't pay it, you're SOL." That's real fair to 1) the victim or 2) those of us who actually pay. :roll:

Why isn't more done?

 

[ViviTheMage]

good ol Wisconsin!

 

[Linflas]

Originally posted by: rh71

Originally posted by: Agentbolt

Originally posted by: rh71

Originally posted by: Agentbolt
Anyways, once they get her to pay, they'll give you back your deductible as well. Of course, if she never pays, you'll never get it back, but let them handle trying to recover it.

why do i even pay for auto insurance if somene can just not pay because they simply can't?

If someone CAN'T pay for their insurance, they're not allowed to drive because they're not financially able to pay for someone else's damage. ("responsible")

You pay for auto insurance for the same reason most of us do: Because it's the only way you'd be able to pay for it if you caused 10000 dollars worth of damage. You're legally required to be able to do that. If you're not, and you drive, you're driving illegally.

No wonder so many illegals don't care to pay it... "driving illegally" is not a real punishment. Having a collection agency come after you is not a real punishment. I'm just sick of seeing people end their sentence with "well if they can't pay it, you're SOL." That's real fair to 1) the victim or 2) those of us who actually pay. :roll:

Why isn't more done?

Good question. To add insult to injury here in Virginia those of us that pay for insurance have to pay for uninsured motorist coverage to cover ourselves against the idiots that don't have insurance.

 

[rpanic]

Originally posted by: Linflas

Originally posted by: rh71

Originally posted by: Agentbolt

Originally posted by: rh71

Originally posted by: Agentbolt
Anyways, once they get her to pay, they'll give you back your deductible as well. Of course, if she never pays, you'll never get it back, but let them handle trying to recover it.

why do i even pay for auto insurance if somene can just not pay because they simply can't?

If someone CAN'T pay for their insurance, they're not allowed to drive because they're not financially able to pay for someone else's damage. ("responsible")

You pay for auto insurance for the same reason most of us do: Because it's the only way you'd be able to pay for it if you caused 10000 dollars worth of damage. You're legally required to be able to do that. If you're not, and you drive, you're driving illegally.

No wonder so many illegals don't care to pay it... "driving illegally" is not a real punishment. Having a collection agency come after you is not a real punishment. I'm just sick of seeing people end their sentence with "well if they can't pay it, you're SOL." That's real fair to 1) the victim or 2) those of us who actually pay. :roll:

Why isn't more done?

Good question. To add insult to injury here in Virginia those of us that pay for insurance have to pay for uninsured motorist coverage to cover ourselves against the idiots that don't have insurance.

Same thing here in CA, and you basically are SOL if an illegal hits you. My dad and I have both been hit by illegals and one of my friends was hit so hard he had to be in the hospital for a few weeks, none had insurance and it is required here. Even if the cops show up nothing happens, so there 1000$ hooptie car that is totaled is taken, can?t suspend a persons license that never had one, and the police can?t deport them. With my accident they even bought insurance after the accident with fake ID and went through like 3 different lawyers over a five year period to try to sue me for their ?100+ chiropractor visits?.

At least you and your kid didn?t get hurt consider yourself lucky.