Car hit a curb....

birdman71

I know in California since I sell and service insurance for State farm Insurance that State Farm themselves does not rate an accident if its under 1k. Do not know how that is in Canada though since I didn't study for any of their rules and regulations. (In the US each state has own rules, regulations and laws for Auto Insurance, and Insurance in general)


Its usually is stated on how rating an accident is implicated in the policy booklet or what we call the policy language. It is usually the fine print booklet that everyone throws to the side.

As for the OP and going through insurance for this claim; if you have money fix it yourself because accidents and tickets actually shoot your premiums for 6 years. IN California when you get a ticket or accident it affects you for 6 years. After 3 years is when you earn the California Good Driver Discount back and then that's where most of the premium increase comes from, which is losing that Good Driver Discount (whatever it is in Canada) usually that discount can range anywhere from 17%-25% of the 6 month premium. Big discount to lose.

Don't screw around with the Z like that anymore. Big learning lesson You should never have the VDC off for any reason unless you know how to use it AND you are on a track/closed course.
This is all coming from a 21 year old of whom bought his Z when he was still 20 and have had it for 7 months and haven't gotten into any trouble with it AT ALL.

The worst that has happened to me is that one night when I had parked my Z on the street I think someone rolled or backed into my front bumper because the paint is cracked under the first and second layers. Of course since you cannot see it unless you are looking at a certain angle and is not chipping currently so I am waiting until I either get a new front bumper and have it painted or get some sort of body kit piece that requires painting.

Having a sports car like this isn't all fun and games whatsoever. Honestly the best part about having this car is the fact that I have so many other people that stare me down and look at me and (to quote katt Williams) "their facial expression looks like they just caught the stomach virus. Like everything about you just fu*k with them" and that is their job as a hater is to hate on you and all you do in that situation is look at them and laugh out loud because you can.

I've even had a person/ couple of people in the same car stare me down and mackin', talk crap at the light to me, take off when the light turns green and I drive off normally.
At the next light while next to each other he's like you got nothing, and I had a simple yet direct answer for him. "So in order to have something with my car or in life, I have to race you like an immature and irresponsible adult?" and they all stared at me and then I followed up with "With my Z I don't have to go around racing people to express the dominance and the aggression that the Z comes with.
The car is not a toy, it has a lot of power behind those two back wheels. Even stock.

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