OT - T-Boned

[tesco samoa]

My poor Sabb was t-boned on monday http://forum.shrapnelgames.com/images/smilies/frown.gif

I am in good health after it... But the car will require alot of work to bring it back... Which is going to happen as I am not at fault.

So I have been in my first major accident... Not fun. But from an automotive quality perspective. The sabb 9-3 did its job in protecting the inside. It crumpled very well and the doors collapsed into its layers thus absorbing most of the energy of the collision. Surprisingly the windows did not pop but remained structurely intact.

Damage to the car is the complete passanger side done like diner... So the car is being rebuilt next week with new doors and rear bumper and rear axle. All brand new with a complete paint job done on the car.

[Baron Munchausen]

These days it can cost more than a car is worth to get it repaired. Have you done the assessment, or has your insurance agency done the assessment, to determine if it's worth your money (or the other guy's insurance company's money http://forum.shrapnelgames.com/images/smilies/laugh.gif ) to repair vs. just replace?

[Captain Kwok]

I wonder if it still looks the same now from when I last saw it?

Anyway I doubt the car will be the same afterwards... but glad you were not injured.

[Puke]

ah, the disposeable economy. glad you came through it.

actually, i hear that after body panels are replaced, they refurbish the "frame" (modern cars dont actually have frames, as such, anymore) by streaching it back into shape on a giant rack.

whackyness.

[Thermodyne]

I feel you. Back in October I hit a deer with my pristine 95 SS Impala. 10 years of fanatical care down the drain. 14000 miles, still has the original rubber and never even been through a car wash. Parked every winter in the garage, never ever been driven in the snow. Now it’s damaged goods. And then my wife killed our Cavalier back just before Christmas. A lady in Subaru ran a stop sign and the wife t-boned her. Have yet to see a penny from insurance. On the good side, the Civic Hybrid that replaced the Cavalier is getting 40-45 MPG. Which is nice considering that it averages 700 miles a week.

[Thermodyne]

Puke said:
ah, the disposeable economy. glad you came through it.

actually, i hear that after body panels are replaced, they refurbish the "frame" (modern cars dont actually have frames, as such, anymore) by streaching it back into shape on a giant rack.

whackyness.



If the under body is damaged, they can pull it back to specs as measured from several reference points located across the structure. But, this weakens the structure and can compromise the occupant safety in a future accident. Modern cars have collapsible crush areas designed to absorb energy during collisions. Pulling these areas is not advised. Hopefully, Tesco’s damage is limited to skins and trim. These can be replaced without impacting the structure of the car. Sad thing is, that when you really love a car, it is never the same after a bad accident.

[Renegade 13]

Ouch! Good to know you're ok Tesco http://forum.shrapnelgames.com/images/smilies/happy.gif

[narf poit chez BOOM]

Good thing you're ok, to bad about the car.

And have some /threads/images/Graemlins/Cheese.gif

[Randallw]

My sister was once stopped at an intersection when a Fire Engine came up behind her with its sirens blaring. The Driver could see that there was no space, but his supervisor told him to squeeze through. Ripped the rear left side in half. She was a bit shaken, and it turned up on the news. Car was a write off.

[Atrocities]

Don't forget to ask about compensation for LOST OF VALUE, a recked car, even one that has been rebuilt, still looses a significant portion of its value. (Oregon Law provides for this.)

I feel for you Tesco... I am glad you are alright. Can you post details?

[rdouglass]

Yes, the important part is you weren't hurt. I know it's a pain in the a$$ but things can be replaced. People can't (unless you ask your boss!)

[se5a]

a frend of a frend (yea this MAY be an urban myth...) was following this lady who, at each intersection read the newspaper while waiting for the lights to change, she knew when to go when the cars behind her started tooting.
this guy however, getting sick of loosing green light time tooted while the light was still red, sure enough, she floored it, and got T-boned.

actualy, the way my frend told it, he was in the car as well, so it may not be an myth, but then, with him you never know.

[Atrocities]

People are inherently stupid.

[narf poit chez BOOM]

Generally, one person makes more sense than a crowd.

[tesco samoa]

the person who hit me.... no insurance http://forum.shrapnelgames.com/images/smilies/frown.gif more headaches... how can someone drive with no insurance

[Ragnarok-X]

In germany a car-insurance is necesarry to be allowed to drive a car.

While we are it, whats "T-boned" ? That sounds more like a wwf-move than what i guess it does mean (car crash)

[Renegade 13]

T-Boned: When one car smashes into the side of another car, forming a rough T shape, one car being the top piece of the T, the other being the vertical part.

By the way, in Canada, where Tesco lives, car insurance is necessary to drive. Unfortunately, some people choose to ignore this law, and can be sued if they end up in a car crash that is their fault.

[Captain Kwok]

It's not that people choose to ignore insurance - it's because they can't afford it in many cases, but need a car to work etc. Crazy insurance costs in Ontario make this situation very common - like paying $5,000 a year for a vehicle that doesn't even cost that and not necessarily because you are a bad driver...

Like say you drove for 20yrs with a good record and then lost your job and didn't have a car for a couple of years and no insurance, but then get a job that requires a car and then the insurance companies want to charge you as a new driver etc. What to do? Take the risk?

[Strategia_In_Ultima]

Tesco shame about the car but glad you're OK. IMO the law we have here as well (next to Germany, Canada, and the rest of the EU, and perhaps other countries as well) should be passed everywhere. OK, if you're a filthy rich A-hole, you could pay the damage to another person's car plus compensation, but if you've just barely managed to get enough money to actually BUY a car (and you drive a Trabant or Lada), you'll need insurance.

[Ragnarok]

In the US, or at least in Indiana, you are required to have full coverage insurance if you have a note/loan out on the car. For example, I had to get a loan to buy my current car and until I pay that loan off I will have to keep full coverage insurance. Once my loan is paid off I will be able to drop that full coverage to just liability insurance. I will choose to keep full coverage, however, as we have idiots around this part of the woods and I have almost been hit many times.

[rdouglass]

In my home state of Maine, you can buy a car and get a license without insurance but you cannot register the vehicle without minimum liability insurance on the VEHICLE itself. SO no matter who is driving, the theory is that the vehicle will be insured for liability losses regardless.

Of course there are always those lawbreakers.

EDIT: And I think the requirement for having collision insurance on a vehicle that has a bank loan comes from the bank / loan agreement and not the law. I work for a rather large insurance agency (quickly ducks) and am kinda' familiar with those types of things. The law is geared to protect the liability aspect and not the bank. The banks put that stipulation in there to protect their investment (how would they repo a totalled vehicle anyways) and not to fulfill the law.

[Thermodyne]

Here in Maryland the minimum coverage for liability is $10,000. And that is what most people carry. Problem is that in this area, chances are you will hit a 50k+ car and 10k won't fix it and cover the loss of value claim. And should you actually appear to have hurt someone, look for the suit to be at least a million. My daughter rear ended a lady from Pak..stan, and got hit for a million and a half. In the end it settled for less than 10k. But it was a real sick feeling when I first read the papers.