This guy driving a corrolla hits the rear of my x-trail while reversing and talking to his wife at the same time..As I was reversing I saw the car reversing in my rear view and immediately stopped and I was honking hopeing this dude would stop....but no he hits my rear bumper....the dude and his wife get out of the car she appoligizes...all of sudden the dude gives his wife the evil stare she goes in the car and he starts saying I hit him!!!!
The only damage to my x-trail is the shitty blue paint from his corrolla rubbed onto my rear bumper....his corrolla has a massive imprint of my bummper on his trunk.
we went down to the poice collison reporting station the cop was cool...he didn't really believe the other driver just how the guy was acting and actually cut him up a couple of times!!!! The cop loved my X-trail too
Anyways got the report trying to figure out my next move with insurance...I'm sure a body shop can rub out the crappy paint....but that guy looks like he's going to claim for the sky...please advise
This guy driving a corrolla hits the rear of my x-trail while reversing and talking to his wife at the same time..As I was reversing I saw the car reversing in my rear view and immediately stopped and I was honking hopeing this dude would stop....but no he hits my rear bumper....the dude and his wife get out of the car she appoligizes...all of sudden the dude gives his wife the evil stare she goes in the car and he starts saying I hit him!!!!
The only damage to my x-trail is the shitty blue paint from his corrolla rubbed onto my rear bumper....his corrolla has a massive imprint of my bummper on his trunk.
we went down to the poice collison reporting station the cop was cool...he didn't really believe the other driver just how the guy was acting and actually cut him up a couple of times!!!! The cop loved my X-trail too
Anyways got the report trying to figure out my next move with insurance...I'm sure a body shop can rub out the crappy paint....but that guy looks like he's going to claim for the sky...please advise
Thanks,
Sanj
I will assume that you are from Canada, and within Ontario. Easiest reply: depends on your insurance policy. Consider that placing a claim, regardless of the minimality of the damage has the potential of increasing your premium, or at least increasing the chance of you getting an even higher premium jump with your next claim.
Last edited by Lukasz : Dec 5th, 2006 at 04:27 PM.
Another thing that matters is where your accident happened. If it occured in a parking lot, I heard many times that insurance companies will always consider the accident as being 50/50 fault.
Another thing that matters is where your accident happened. If it occured in a parking lot, I heard many times that insurance companies will always consider the accident as being 50/50 fault.
It's only 50/50 if you are both moving. As long as you were parked you're clear.
Not to hi-jack but I got my first ticket ever last Sunday, I was doing 86 in a 60. Power down the window the cop lokos in and says, wow never seen one like this! he liked the compartment behind the steering wheel. He gave me a break 75 in a 60. fine is 50.50$
But as the cop liked yours as did the cop stopping me.
This happend in Brampton parking lot steels/hwy 10.
My SUV was stopped...he moved into my rear..but is trying to scam and say I was moving...I thought it was just paint damage...I took some photos this morning there is gapping on the right rear bumper pannel and the rear door is not flush on the right side of the SUV....anyways insurance agent believes me and she is going to fight...but I'm guessing it's a 50/50....if you guy's know of some people...that can ********* guy....
Just had this SUV since August oh well atleast no one got hurt.
Last edited by ValBoo : Dec 6th, 2006 at 04:44 PM.
Reason: Never put threats in writing... it could bite you back ;)
Same thing happened to me in a parking lot. Only We were both moving. I was backing out and he drove into the side of the rear of the truck I was in.
The trucks bumper was all he hit and there was no damage. He was in an old corvette maybe 70-71, nice car. There was lots of damage to his car due to the fact that fiberglass isn't known to hold up well against steel. The fold up headlight was ruined and hood was cracked pretty good.
The reason this reminded me of your incident was because the guy came out of his car absolutely furious. He was screaming and said I drove into him. It was clear that this was not the case. He said I was going to pay for this and he wanted cash. I laughed at him and told him this would be 50/50 because we were both moving in a parking lot.
After he demanded cash I became very unhappy and in my own sick way I started to purposly get him angry. for example he said that this was going to screw up his insurance. I told him I didn't care and that I had no problem covering my part of the damage. After we exchanged info he started to take pictures with his camera phone so I did the same.
The following is what was said word for word as we were getting into our cars.
Me-> "Excuse me, those are collector plates right?"
Him-> ....No response....
Me-> " I don't think Corvette made a 19" wheel way back then."
You where lucky, before I owned my X-Trail, I had a Ford Mondeo and I was hit by a BMW on a dual carrageway. He changed lanes and drove streight into my drivers side rear door and quater panel. First thing he said was "it was your fault, you where speeding", just for the record, I was towing a trailer and had just come off a round about.
The insurance didn't care a hoot, said that they would go 50/50 and I argued that I would not authorise that as I was not in the wrong, I had done nothing wrong and I was not prepaired to take any respoinsibility.
The thing is in the UK, the insurance don't care wether an acident was your fault or not, I was told that my insurance would go up from £325 nearly £600 even if I won the claim and I didn't loose any no claims bonus's as I have had an accident "regardless of fault".
As my Mondeo was only worth about £500, I felt that I had no choise but to drop the claim.
I guess he got away with that, if there had been any whitness's, there would have been no problem but my insurance would have gone up anyway as I had an accident "regardless of fault". It's so damn unfair here.
On the up-side, I sold the Mondeo on E-bay for £475 with damage (even though it had 197,000 miles on it) and brought my nice shiny X-Trail
That accident "regardless of fault" thing sucks big time!
In Australia you don't loose any of your no claim bonus if the accident was not your fault AND with most insurance companies if you have a clean driving record (i.e. no claims or accidents) for 2-3 continues years, you get the no claim bonus for live and you don't loose any of it even if you had accident that was your fault.
__________________ Cheers,
Jalal (Sydney, Australia)
See my X-Trail HERE
See what we have on offer at the Australian X-Trail Forum
Most companies in the UK offer similar non-claims bonus protection Jalal, I've got it on mine. Usually needs 5+ years no claims before they offer it. If you don't have it and the company has any costs then you'll normally lose your discount. Some companies handle claims more generously but you usually pay top rate for it.
Knew someone who had his parked car hit in the street 3 times in less than a year. His insurance company decided he was accident-prone and refused to insure him again. He wasn't in the car when he was hit. Irony was that he worked for the insurance company and for that reason only they relented.
I'm told that UK motor insurance is around the lowest in Europe. Mine's around 200UKP for "fully comprehensive" including 60% NCB though when I checked some companies were asking almost double that. Don't know how that compares with the rest of the world.
oh well atleast no one got hurt.
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