:( Not even one week of owning the car!

MR.nismo

Darkphantom, you did the correct thing by avoiding the other driver and all together avoiding a bigger accident. It sucks for the damage but rims, suspension and all the other parts can be replaced.

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Sarcasm and Orgasm are about the same thing. One is good....the other is better.

njobe89

i'm not sure i agree with that. by avoiding them, you hit your car and damaged it. now your insurance has to cover everything and more than likely your rates will go up. if it wasn't your fault you should have let them hit you. imagine if you didn't avoid the light pole and totaled your car or something.

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2 plus 2 times 2 = ? ... hint, it's not 8

Stillen CBE, Stillen Gen 3, TP's, Uprev tuned - 324whp/264tq

JARblue

File a police report or else most insurance companies won't cover it under uninsured motorist. And if you don't have uninsured motorist coverage in Texas, add it to your policy yesterday!

Maybe if you have $hitty insurance... I've only been in accidents that weren't my fault. More than half were people with no insurance, no license, and did not speak English. My insurance has never gone up due to accidents or tickets.

This same exact thing happened to me in my Sentra a number of years ago. Some jacka$$ ran me up on a median and I busted the oil pan and radiator causing like $3K in damages. I ended up paying my deductible because I didn't know I had to file a police report to get it covered under uninsured motorist, which would have covered my deductible as well.

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Pintsize725

Hmm, interesting. I just had to file a claim for a scrape that happened in a parking lot. Nationwide had me fill out a TXDMV crash report to have my uninsured motorist coverage apply but I still have to pay my deductible.

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Tracie

JARblue

I was pretty sure uninsured motorist coverage automatically included covering the deductible. Unless your policy is written differently. I might be tempted to ask them about it.

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Jordo!

It probably varies somewhat from state to state. For most comprehensive policies, other than like a windshield, I think you always get socked with the deductible unless you pay a higher premium.

Darkphantom, unless a cop was on the scene to issue a reckless driving ticket or something to the other driver, even if you got a tag number it's your word against his. Traffic cams might be admissible... Also, court fees and lost time are as likely as not to make the deductible savings negligible. It's worth looking into, but probably not worth pursuing to conclusion.

As to avoiding an accident with another driver -- it sucks, but you did the right thing. Every other car involved means more risk to other lives -- including your own and anyone else on the road around you.

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Enjoy it. Destroy it.

JARblue

I understand that because there was no contact with the other vehicle, it was not possible to run it under uninsured motorist. But it was still filed as a no-fault claim with a lower deductible. I'm not sure if the states have specific rules regarding uninsured motorist coverage or whether the insurance companies write whatever different policies they feel like offering. I know to add uninsured motorist coverage to my policy, it costs me an extra $5 per month and there's no deductible associated with it.

You're probably right on the dash cam thing. Court costs and such just won't make it worth the time. In addition to the chances of it not being admitted as evidence.

I once encountered a lady with no license or insurance and did not speak English. She plowed into me at 35 mph as I was turning into a parking lot. A cop witnessed the whole thing, and she still insisted that I cut her off suddenly and slammed on my brakes even though I had been in front of her for well over a mile at this point. While my uninsured motorist coverage would have covered it regardless (since she rear ended me without insurance), a dash cam would have set the record straight on whether I cut her off or not - assuming front and rear cameras, of course.

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RicerX

Not sure I agree with the sentiment of putting yourself in a more dangerous and far more unpredictable situation that would likely have resulted in serious injury for the sake of saving a few dollars.

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njobe89

this is something similar to always saying if you see a deer it's better to hit the deer then try avoiding it and maybe flipping your car or something. if they're going about the same speed and he hit him on his door it wouldn't be that more dangerous. imagine if there was a ditch where he swerved to or hit that pole head on that he barely missed. it's 50/50, in this case it might pay of for him.

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2 plus 2 times 2 = ? ... hint, it's not 8

Stillen CBE, Stillen Gen 3, TP's, Uprev tuned - 324whp/264tq