KILZ FILLZ Posted March 10, 2021 Share Posted March 10, 2021 Yo- i got into a minor fender bender collision 5 days ago and am dealing w some fuckery. Looking for advice from teh oontz 20 yr old girl pulled out of a driveway without looking to her left and pulled out right in front of me. Minor damage to my car - paint, small dent, alignment is now off- i got the name and phone number of a witness at the scene, driver of a third car that almost got hit by her at the same time. Witness said she is down to say that she saw girl using her cell phone while pulling out and not paying attention. Girl narrowly missed hitting this third driver. 20 yr old girl didn’t have a current insurance card she could show me, only one that expired august 2020. The card she had didn’t have her name on the policy, only her parents names. Felt some shit was awry and had her call her insurance co right then to see if the policy is active. Insurance co (AAA) created a claim number and spoke with me on the phone. I gave them my details and info on my car and the insurance co then emailed me the claim number and the contact info for the adjuster immediately *** so here is where the fuckery comes into play and I need some guidance: The adjuster who emailed me still has not confirmed whether this girl: a] has an active policy that is paid up to date b] is on the policy at all i have been emailing and calling for last five days and adjuster only responds with “I’m looking into the coverage” etc. this shit is a red flag to me. I’ve been at fault in an accident before and this type of question could seemingly be answered immediately. I feel like AAA is fucking me. Today the adjuster refused to give me an ECD of when she may be done evaluating the coverage. *** so, my question: 1] do I contact the cops and tell them I was hit by an uninsured driver? I hate hate hate getting the cops involved with anything, but I need my ride fixed. I take great care of my vehicles, and all possessions, and this shit pisses me off because I did nothing wrong. I don’t want to drive around with fucked up alignment for the next month for them to just tell me “too bad, so sad”. I have pics of her drivers license and license plate as well as expired policy card, damage to both vehicles- on top of witness. 2] do I open up a claim with my own insurance policy, and eat the $500 deductible, but then get my body work, paint, and alignment fixed - at the cost of my rate being increased? I’m opposed to this. Why do I pay $500???! 3] wait it out. Hope for a payout? 4] pay out of pocket for alignment, should be less than the $500 deductible. And leave the paint and dents. 5] yolo and don’t touch it. 6] I have a pic of her license, which has her address. Let the vandalism flow through me? 7] BOOGIEHANDS Quote Link to comment Share on other sites More sharing options...
KILZ FILLZ Posted March 10, 2021 Author Share Posted March 10, 2021 Pics or it didn’t happen not great, not terrible Quote Link to comment Share on other sites More sharing options...
mr.yuck Posted March 10, 2021 Share Posted March 10, 2021 Call your insurance company. If you file a claim with them, there is a good chance that they will murder this bitches whole life if she's uninsured. There is always the chance that your premium doesn't go up as you are not at fault. 3 1 Quote Link to comment Share on other sites More sharing options...
Dark_Knight Posted March 10, 2021 Share Posted March 10, 2021 Was she hot? 1 4 4 Quote Link to comment Share on other sites More sharing options...
KILZ FILLZ Posted March 10, 2021 Author Share Posted March 10, 2021 2 minutes ago, Dark_Knight said: Was she hot? Big ass titties and no bra. Her BF was with her though. Mexican dude with cowboy boots, seemed like an alright dude. Offered me Modelos from backseat to simmer mood. Sounds fake but 100%. San Diego, baby! 4 Quote Link to comment Share on other sites More sharing options...
KILZ FILLZ Posted March 10, 2021 Author Share Posted March 10, 2021 3 minutes ago, mr.yuck said: Call your insurance company. If you file a claim with them, there is a good chance that they will murder this bitches whole life if she's uninsured. There is always the chance that your premium doesn't go up as you are not at fault. Damn that $500 doe 1 Quote Link to comment Share on other sites More sharing options...
KILZ FILLZ Posted March 10, 2021 Author Share Posted March 10, 2021 @mr.yuckim about to be an insurance pro 😩 flooded condo now this Quote Link to comment Share on other sites More sharing options...
KILZ FILLZ Posted March 10, 2021 Author Share Posted March 10, 2021 I’m not gonna lie, I’m leaning twds street justice, option #6 1 Quote Link to comment Share on other sites More sharing options...
LUGR Posted March 11, 2021 Share Posted March 11, 2021 (edited) 39 minutes ago, KILZ FILLZ said: San Diego, baby! I know you did not accept any of those Modelos...right? Edited March 11, 2021 by LUGR 1 Quote Link to comment Share on other sites More sharing options...
KILZ FILLZ Posted March 11, 2021 Author Share Posted March 11, 2021 3 minutes ago, LUGR said: I know you did not accept any of those Modelos...right? Fuck. No. pay me lol 1 Quote Link to comment Share on other sites More sharing options...
mr.yuck Posted March 11, 2021 Share Posted March 11, 2021 55 minutes ago, KILZ FILLZ said: Damn that $500 doe If you got that info you could always hit her up and tell her to just pay your deductible and you wont make a big deal about it. 2 1 Quote Link to comment Share on other sites More sharing options...
mr.yuck Posted March 11, 2021 Share Posted March 11, 2021 How is your condo going anyway? Quote Link to comment Share on other sites More sharing options...
KILZ FILLZ Posted March 11, 2021 Author Share Posted March 11, 2021 4 minutes ago, mr.yuck said: If you got that info you could always hit her up and tell her to just pay your deductible and you wont make a big deal about it. Bold but true. Hadn’t considered this angle. Quote Link to comment Share on other sites More sharing options...
KILZ FILLZ Posted March 11, 2021 Author Share Posted March 11, 2021 12 minutes ago, mr.yuck said: How is your condo going anyway? met with cabinet guy yesterday. We kept the doors from lower cabinets that were scrapped. so match with unaffected upper cabinets is way easier. Ins paid for full build of both so, $+. SAT the movers come to pack our shit and take to storage. We get all new floors and baseboards. Bathroom will be fully done. Kitchen pretty much just floor and lower cabinets. The policy didn’t cover the actual plumbing repair, which is counterintuitive as fuck. Pay for results of loss but not cause of loss? Weird. Biggest PITA at the moment will be boarding the cats (2) while the condo is a construction site. troubling bit: both contractor for rebuild and plumber for repair told me they are very familiar with Bldg and I should sell. - fucking shitty feeling, fucking shitty capital gains tax. What I get for thinking I got a good deal lol. Should’ve just put more down and got something closer to a long term home. Everything I read on SoCal real estate said to cop a cheap condo and wait it out a few yrs for the equity though. you only know what you know at the time, so fuck it. 2 Quote Link to comment Share on other sites More sharing options...
One Man Banned Posted March 11, 2021 Share Posted March 11, 2021 Not sure about CA but where I'm at it would be useless for you to call the cops, it's now after the fact. It's somewhat like saying you left the scene of an accident without reporting it, so it didn't happen. If you call your insurance and it turns out she is insured you're fine because she's at fault and her company picks up the bill. If she's not insured tho, yeah, you might take a hit w/ your company. At this point because you waited and all, I'd wait a moment longer. If she has insurance you're set. If not, maybe you can get her or parents to pay for your allignment at least or more if you want the rest fixed. If she tries to play you stupid, you have time to plot your revenge. 1 Quote Link to comment Share on other sites More sharing options...
One Man Banned Posted March 11, 2021 Share Posted March 11, 2021 1 1 Quote Link to comment Share on other sites More sharing options...
where Posted March 11, 2021 Share Posted March 11, 2021 1 hour ago, Dark_Knight said: Was she hot? this 1 1 Quote Link to comment Share on other sites More sharing options...
mr.yuck Posted March 11, 2021 Share Posted March 11, 2021 @KILZ FILLZ Id wait out your two years. I think there are still a couple more years until the top of the market. Insurance companies are weird. They wont spend $100 if they dont have to even if it means they would be preventing future claims they would have to pay out. 1 Quote Link to comment Share on other sites More sharing options...
abrasivesaint Posted March 11, 2021 Share Posted March 11, 2021 If you think the repairs are under $500, see if shes willing to just settle privately? My girl got hit by a dude with no insurance a couple months ago, and dude immediately asked us to not call the cops. So long story short.. We got it to a shop an got an estimate to fix her car, it was pretty fucked, and he couldn’t afford it. So we gave him a choice, fork up the $500 deductible or she has to get the cops involved. He happily gave her the money and my girl filed a hit and run claim and they fixed the car. I don’t know if that effected her insurance because i never asked, haha, but shes on that sweet, sweet govt insurance. 2 Quote Link to comment Share on other sites More sharing options...
Mercer Posted March 11, 2021 Share Posted March 11, 2021 Small claims court. Take vacation day, factor it into the damages. 1 1 Quote Link to comment Share on other sites More sharing options...
Elena Delle Donne Posted March 11, 2021 Share Posted March 11, 2021 2 hours ago, mr.yuck said: If you got that info you could always hit her up and tell her to just pay your deductible and you wont make a big deal about it. this is the preferred approach with uninsured drivers. venmo me Quote Link to comment Share on other sites More sharing options...
One Man Banned Posted March 11, 2021 Share Posted March 11, 2021 8 hours ago, Mercer said: Small claims court. Take vacation day, factor it into the damages. People's Court/Judge Judy Quote Link to comment Share on other sites More sharing options...
Dirty_habiT Posted March 11, 2021 Share Posted March 11, 2021 Insurance will probably tell you to get fucked and take it to civil court to sue her for damages..... but if insurance fixes your car then there are no "damages" other than emotional distress or some shit like that. I wouldn't expect anything to come of this. You think it's bad now but just wait until all these fuck head border jumpers are driving cars like they just learned how to drive or it's their first car ever. Quote Link to comment Share on other sites More sharing options...
Dirty_habiT Posted March 11, 2021 Share Posted March 11, 2021 Vandalism is a poor choice. I'd get the police involved so they can make a report. I have no reservation against calling the police on drunk drivers, I used to do it once a week while heading to work at 3AM into downtown Austin. If you're a moron and you are in a position to impede me in any way and I can use the long dick of the law to fuck you, I will. No questions asked, I won't even flinch to do it either. I've always thought that people that acted like cops were your enemy were odd folks. Unsavory characters, the ones I've met. Quote Link to comment Share on other sites More sharing options...
LUGR Posted March 11, 2021 Share Posted March 11, 2021 54 minutes ago, Dirty_habiT said: You think it's bad now but just wait until all these fuck head border jumpers are driving cars like they just learned how to drive or it's their first car ever. I know someone who had their car crashed into going through an intersection a few weeks ago by a car full of illegals with of course, no insurance. Driver got out and ran, bystanders tackled the other two and they were arrested. Car is still totaled. 1 1 Quote Link to comment Share on other sites More sharing options...
Dirty_habiT Posted March 11, 2021 Share Posted March 11, 2021 Yep and the TRUE victim is left holding the bag. Gotta make that super clear since if I just say victims here many will think I'm referring to the fuckin swimmers. Quote Link to comment Share on other sites More sharing options...
One Man Banned Posted March 11, 2021 Share Posted March 11, 2021 Way the Oontz is I expected this thread to go like- she's uninsured, you got her info, seen those tittays, now she has to either pay to fix your ride or she has to let you bend her fender skeet skeet 3 Quote Link to comment Share on other sites More sharing options...
CLICKCLACKONER Posted March 13, 2021 Share Posted March 13, 2021 On 3/10/2021 at 4:49 PM, KILZ FILLZ said: Damn that $500 doe Just went through a similar situation. I was driving my in-laws car to pick up some food, some kid hit the whip very similar scratches and a minor dent but on the back end. Usually the insurance follows the car and not the person. Her 'rents prolly still pay for the insurance of that car. Just call that insurance company and they'll tell you. I was driving a 2004 Lexus rx330, my in-laws just collected the little check and left the scratches. Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.