eshock

Okay. Sorry if there are women on here, but WTF!!!

I was sitting @ a red light on my way home from school today and I saw this dark blue truck coming up behind my really fast, watching them still, I noticed they weren't stopping at all then BAM the front end of their truck dips down and she tried to swerve into the left lane that just opened up from the median and she smashed the drivers side (rear) of my car.

She asked not to go through insurance but I took all of her info anyways (including insurance and policy #)

I got an estimate at one place that replaced the front bumper about 4 years ago... and they quoted me $3000.00

This estimate was for the bumper, rear 1/4 panel, trunk lid, and a whole bunch of other crap that I don't have on me right now...

Upon hearing the $3000.00 quote, I got another quote of $2900.00 and I called the woman, in which her husband answered and said that I had 2 quotes with only a $100.00 difference, he asked me to get another estimate but I don't have time to do this as I am in school full-time for auto mechanics and I work part time, and all this homework just keeps piling up so I don't have time.

After he asked me for more estimates I went to the collision center and insurance is going to take car of it (hopefully)

My question is what is the book value for a 2000 Honda Civic SE

I will post pictures if/when I can if anyone wants to see the damage.

At least the JL Subs and amp and I are ok Car still drives fine (oh and the woman and her child are unharmed as well)



What somewhat angers me is if you have a child in the car... WTF are you doing not paying attention!!! Who's with me on this one!?

FiveO

She was paying attention. To the kid.

I don't get these kinds of scenarios. She does major damage to your car and asks you not to go through insurance, and you agree even for a little while? Why?

eshock

because I was told by a few friends that mine would go up as well because thats the way insurance companies work... i ended up going to the collision reporting center so it is going through insurance.

The reason I somewhat agreed to not going through insurance as well as me thinking my rates would go up, is that I didn't think it would have been anywhere near $3000.00 and she said she had 2 accidents in the past so I was trying to be the nice guy... LUCKY her she had 0 damage at all to her vehicle but me being nice told her to go get her suspension parts checked out to make sure nothing was bent at all... I reported the collision first so it looks good on my end... whats to say that she went there first and said i backed into her right

I realize that she was paying attention to the kid but it makes more sense to pay attention to the road when you HAVE a kid in the car.

subsonic-civic

iTrader: (2)

If damages are that high, shouldn't you be going to the cops to report it?
I say go thru insurance. If she goes behind ur back and reports to the cops, wouldnt you get in trouble for NOT reporting the incident?

If they're worried about their insurance going up, that's their problem.

eshock

I did report it... about 3 hours after because I went to the collision centre where I live and the woman kept giving me attitude non stop (her time of the month i guess, but this was that x 1000!!!) and told me to go to the metro toronto collision centre on howden rd. So I did report it. They said that she did not put in a report yet so that was good for me! and it is now going through insurance.

I found (online) the canadian blackbook and got an "estimated" value of low: $2600 and high: $3750.00 -- My car being estimated @ $3000.00 possibly more worth of damage... do you think it will be a right off?

Exactly, I was trying to be nice right now, especially with the economy... but screw it, I had no fault at all in this incident, so why should I suffer

FiveO

Your friends are idiots. They have no understanding of how insurance companies work.

Your rates are potentially affected only if you are deemed entirely or partially at fault for a collision. Even if you are at fault in whole or in part, many insurance companies offer forgiveness for your first at-fault collision.

The rules for fault determination are a matter of Ontario law and you can find them online with pictures at the Ontario elaw website at Insurance Act - R.R.O. 1990, Reg. 668 or with prettier pictures at the Insurance Bureau of Canada website at http://www.ibc.ca/en/car_insurance/d...tion-rules.pdf

There's also a write-up at http://www.fsco.gov.on.ca/english/pu...es_March07.pdf

People, especially those who claim to be car enthusiasts, really need to step up to the plate and educate themselves on all of the various legal responsibilities that come with driving, and not just on how to weasel out of a speeding ticket.


She had two already? She needs her rates to go up as a reminder to drive more carefully. You're a fool to even consider for a moment covering her ***.

eshock

not anymore because its going through insurance now

Anyone here think $3000 worth of body damage on a 2000 Civic SE will be a right off???

That was from a body shop, another one was $2900

The form I got from the collision centre "ESTIMATED" $2500.00

subsonic-civic

iTrader: (2)

sry.. ur post wasnt showing when i posted my first reply.

Well, just cause ur being nice, doenst mean you should cover for her mistakes. I've seen it all too many times where one of my friend's or friends of friends' was involved in an accident and decided to be "nice", covered for the other party (who was at fault), and they ended up getting sued or the other party turned, and blamed them for the accident. If you wanna be nice, keep a door open for somebody, or say thank you more (in case you didnt already). Don't put ur *** on the line for the ignorant.

subsonic-civic

iTrader: (2)

GOOD!!!

if ur insurance decides to write off, and sell to a junk yard or something, buy back the car from the junk yard, and chop it for parts. u'll get much more for parts (assmuming good condition) than what the junkyard will charge you (in many cases)

eshock

A family member said the same thing about buying it back from a junk yard... unfortunately, if it is written off, I will have to get another car because on top of that I have NOTHING because of school and my co op term starts so I will have to buy quite a few tools (in school for auto mechanics)

eshock

From what you guys have seen, do I basically have a 50/50 shot of this being a right off or more likely a right off, like I said, its 10PM right now and obviously too dark to take pictures, but I will take pictures on wednesday and post them up.

subsonic-civic

iTrader: (2)

well if u buy back the car from the junk yard, it wont be the price the insurance company paid you. it'll be much less. 6th gen civ parts are fairly easy to sell.

eshock

I have a 6th gen? what year are those ? what could I possibly sell from it? I can't really lug an engine with 164,000kms on it around, and would it even be worth much? headlight housings are good cept the drivers side one has some fog up on it... bumper on the front has a few scratches, same for other parts of the body has small scrathes not related to this accident...

morjx

My 99 Civic SE recently got written off. It was still in really good condition cuz I got a paint job last summer lol. Anyway, Some dude was turning right and spun out and I ended up hitting him. Airbags deployed and everything and it was deemed a total loss. They gave me $3300 for it. They calculate the amount they give you based on the year, make and model, mileage and the contents of your car (i.e. cd player, a/c etc.). Also, if you kept all your records for oil changes and stuff like that you can potentially get more from them. Also, any major work you have had done a year ago can get you more money (i.e. new tires, new timing belt, new engine, etc)

bruce fee

get $3500 cheque or cash or go to insurance and stop wasting your time.

if they want to pay in installments have them fill out the memo part on the cheque.

cheque 1 : 2000 of a total 3500
cheque 2: 1500 of a total 3500

that way when you're on judge judy they can't claim they paid you 2000 which is what they agreed upon.

spike

they wright them off if the damage is worth more to fix then half of the vehicles value.

Nicotine

let them write it off.

a severe hit vehicle just is never the same.... it feels molested.

let it go, find another/better car. they are replaceable.

eshock

my airbags did not deploy... and being a student if it does get written off i would try to get as much as possible towards another car obviously.... because I have barely any as it is when I pay $275/month for minimum coverage.....

When the guy started saying $3000.00 is too much.. go to another place, I understand that people want 2 or more estimates, however at the same time if the first place gives me one of $3000 and another place wants $2900.00 and $2900 is still too much, they're gonna keep telling me to get more estimates hence why i said screw it and went through insurance because I don't have time for games, if it was my fault that would have been a different story....

Hatorade

2000 Honda Civic SE

I totalled one of those last year. I was going thru a green, hit a left turn making crapalier at maybe 35km/h (snowing)

Damage was FOR SURE less than $3000. Front bumper, both headlights, front rad support, power steering...lol, okay maybe the same

SF gave me $8,000 for it. I bought the car for $5,000 a month before that.

Go through insurance. Make sure the incident report says its not your fault.

eshock

Hmm. I called my insurance company just now and they said they didn't get anything from the collision department but told me to try tomorrow because sometimes things are slow depending on various things...

Ill try tomorrow and it does say I was not at fault. In the end I doubt this will be a right off... but you never know.. would love to have an 03 civic