stuart in mn wrote: File a claim, get your money from the insurance company.
This. I sucked up a $1500 beater rather than file a claim on a new driver. But a $4000+ car; man, that's what you're paying insurance for.
stuart in mn wrote: File a claim, get your money from the insurance company.
This. I sucked up a $1500 beater rather than file a claim on a new driver. But a $4000+ car; man, that's what you're paying insurance for.
slefain wrote: So why aren't you parting out the car yourself?
Do you need floor mats? They're still good...
You guys have helped me clear my head. I will be submitting the claim.
SlickDizzy wrote: unless you file claims on a yearly basis, your rates aren't going to rise.
I agree. Even if they did jack up your rates, it would take quite a while before they offset the settlement you'll get for the car.
Is this the Accord you were trying to sell?
It was, until we decided that it was too nice to get rid of...
Why are you guys all suggesting he report it?
That will make his rates go up. If you can comfortably afford to repair it out of pocket, do that.
You could always talk to your insurance agent (I know...what a crazy concept 
) about "hypotheticals" so that you actually know with some degree of certainty what would (or would not) happen to your rates...Rather than listening to random people on the internet who have experienced everything from no rate changes to massive rate changes.
Many years ago a GF had a really sweet looking Buick Regal T-type. Her younger sister "borrowed" it for a joyride and swerved to miss a cute little critter driving it straight into a telephone pole. Car was totaled and dad was furious. Unfortunately GFs replacement car was a baby blue Buick Skylark (one of those fugly ones from the early '90s with the rear wheel wells filled in.)
Let me know if I can be of any help in the claim process. You're doing the right thing. You paid COLL premiums for a reason.
Glad your daughter is OK. The car can be replaced.
Insurance time.
Glad your daughter is OK.
I think you'll get over $4k on the car. I had a guy text/fall asleep/whatever and ran smack into my 2001 4cyl 5 speed 180k accord coupe a year and a 1/2 ago and they gave me close to $5k for it. Rates didn't go up at all. Glad everyone is ok.
Glad she's OK. Sign her up here to try to minimize the insurance rate damage. http://streetsurvival.org/
Klayfish wrote: Let me know if I can be of any help in the claim process. You're doing the right thing. You paid COLL premiums for a reason. Glad your daughter is OK. The car can be replaced.
Thanks. I knew that there was at least one insurance pro here but I just couldn't remember who it was.
Driven5 wrote: You could always talk to your insurance agent (I know...what a crazy concept
Agents are not the underwriters. And the underwriting criteria is constantly changing.
Glad she's OK. Been through something like this myself. It isn't really your insurance rates that might take a hit although you might be paying for it. It would go against her. A lot of insurance companies, at least the major ones, will allow 1 accident and not raise rates. But if she has too many then her rates could go up, meaning yours if she is on your policy and she could be dropped from your policy causing her to get her own high risk insurance. My oldest daughter went through this. She got bumped off my policy after 3 accidents. When she was younger she averaged 3 claims a year for about 3 years. I sent her to a driving class offered by the local racing club and she hasn't had any since. Several years now.
Wow! Glad your daughter is okay. Good luck with everything.
Ouch, looks like the car gave it's life to save your daughter's (and a raccoon, was it a shaved FM racoon).
I would file the claim. That looks to be a $5-6000 Car, and I would bet it's totalled.
Ian F wrote:Woody wrote: On the bright side, the berkeleying raccoon survived without a scratch.Time to drill it into her head again: STAY ON THE ROAD, WILD LIFE BE DAMNED. From everything I've heard, wild life damage is a no-fault collision. You hitting a tree trying to avoid wild life is your fault.
this …
buddy of mine is a retired claims adjuster for a large ins. co.
his advice (as far as claims go) is NEVER leave the road to try to avoid an animal, assuming that by leaving the road you'll loose control and crash
glad that is the worst that happened.
This woman stopped on the freeway for ducks in the median and will likely get a huge sentence for the people she killed.
http://www.nola.com/crime/index.ssf/2014/07/canadian_woman_who_stopped_car.html
rcutclif wrote: This woman stopped on the freeway for ducks in the median and will likely get a huge sentence for the people she killed.
There must be more extenuating circumstances than stated in the article to proclaim that she "killed" them after they rear ended her stopped car while speeding.
I love raccoons. My totem animal. I wouldn't wreck the car when the dumbass runs out in front of me, though.
I'd absorb it. Like Datsun1500 said, her rate will skyrocket (and being a thoughtful father, her future in a bad economy is what I would be thinking of). I only have full coverage on one vehicle. All the others get liability, but are worth no more than 2K and this is exactly why. My cars are expendable. This is kind of why my father kept buying Tempos for us until we could afford our own cars.
Driven5 wrote:rcutclif wrote: This woman stopped on the freeway for ducks in the median and will likely get a huge sentence for the people she killed.There must be more extenuating circumstances than stated in the article to proclaim that she "killed" them after they rear ended her stopped car while speeding.
This. Usually when a vehicle in an accident was travelling above the speed limit, the cause was excessive speed, case closed 
In the absence of speeding, the rear-ender is always at fault. The woman must have brought her dog to crap on the judge's lawn every day
Datsun1500 wrote:stuart in mn wrote:Not if she's under 21. The rate could jump $2500 a year for a few years.SlickDizzy wrote: unless you file claims on a yearly basis, your rates aren't going to rise.I agree. Even if they did jack up your rates, it would take quite a while before they offset the settlement you'll get for the car.
Beg to differ.
My son slid into a parked car on our street when he was 16. I didn't want his rates to go up so I contacted the neighbor and asked her to get two estimates and I'd just pay her. I don't even care if you fix the car.
Three weeks, no call. I called her, got MOM. Mom says, "We called the cops".
Oy. I called Geico, the carrier. No problem, appreciate the call even if it's late. Ian's rates went up $17/month for six months.
That's it.
YMMV.
Glad she's ok Wood, did she learn anything?
Dan
If it's smaller than a moose, hit it. If it's as big as a moose, hit the ditch. The ditch is softer than a moose.
that still raises the question … if you can afford to absorb the cost of a totaled car … why have col. ins ?
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