I hate people. And I hate no-fault states.

[teylix]

I'm really sick with some kind of cold (flu?) that has been owning me for the past 10 days. But I have some deadlines I must meet at work so I thought I'm not feeling at my worst so I'll go into work today.

I tell myself in the morning, "Man if I didn't have that big review coming up, I'd stay in another day."

Well I also thought to myself that I can get some McDonalds since I didn't want another bowl of cereal. So I stop by Mickey D's drive thru on the way to work. I get my food from the guy at the drive thru, start to put my car into first gear, and then BAM! "WTF was that?" I wondered. Next thing I do is pull up with my hazards and see that I got some damage. After a first quick impression, I thought maybe there was no damage and sighed. But I looked again and sure enough he banged into the audi logo and dented in the trunk lid area.

https://lh6.googleusercontent.com/-ECZ75V7PLoU/VTgnzP7AXwI/AAAAAAAAOaA/g4CvrJalg60/w480-h853-no/20150422_185912.jpg

His only words were, "Yeah... I rolled forward too early." The douschebag with his rusted-out F250 didn't even say sorry. Well I got his number and insurance info. Apparently we have a mutual friend on fb too.

On my old car, I had broadform coverage and $500 deductible.. but I was in a hurry at the DMV with this audi (back in february) and went with standard and $1000 and thought I would drive extra careful since I haven't been in any wrecks in many years.

Now I'm wondering how much ($$) damage this is and how I can get him or his insurance to pay for it. I guess I have to sue him since it's a no-fault state?

[pfft]

I feel your pain. That's gonna be expensive. I live in a no-fault insurance state and as such have insurance with State Farm with a $0 deductible. Does it cost a bit more? Yes, but when someone door dings me or bumps me like that it cost me no money.

[TexasDfwS4]

Sorry, it happened to me some ahole switched lanes three at a time and swiped my rear bumper and the repair left color differences I can see..
Sucks

[AKPS4]

besides the visible damage, make sure the trunk opens and closes properly and without extra force. I was rear ended and the only damage was some scuff marks on my bumper. after all the repairs and weeks later when i finally used the trunk, i found it doesnt close like it did before. I can just barely see that the lines between the trunk and the rear panels are slightly uneven - drives me insane but too late to go back and get it fixed.

[Thumper3]

Depends on the laws in your state if you even can sue him. Who dreamed up this no fault crap anyway LOL I mean, what's the point of no fault if you can still get sued and pay out anyway? Why not just have a NORMAL environment where insurance covers you for any mistakes? I'd rather have my insurance deal with any claims than me have to deal with getting personally sued.

Ridiculous.

Sorry to hear about it man, this kind of thing is way to common, I get repairs in my shop regularly for this exact thing, and say it all the time when I was in insurance. Seriously, how hard is it to NOT move forward when their is a car in front of you? The fries are NOT that good, chill out and wait idiots.

[Blurspeed]

Dang sorry to hear

[teylix]

i start to get a little paranoid that he did it on purpose since the guy i'm mutual friends with is the low-life type. he knew he wouldnt care about any damage on his car. and he really had zero sympathy. ah well im probably reaching a bit... at least i hope i am only reaching and it's not true >:|

[z_curtis_s4]

That really blows man. I am so sorry this happened to your sweet ride. I know that any time I go to a drive through you have idiots not paying attention and just pull up without giving a "f." Anyway I hope you get it fixed and it looks as good as new when its finished. I hate drive throughs, stop and go traffic and parking lots because I park so far away and there are times I come out and someone has parked right next to me. go figure…….

[Taff]

I have dash cams in all my cars, saved me sooo many times. Would not have helped you here but invaluable in terms of proof.

[bhvrdr]

I'm very sorry this happened to you. I'm glad you didnt get hurt though. That is all important. Give your insurance company a deposition of what happened. Even in no fault states they go after each other and i'm sure you insurance company will go after his rightfully so. Michigan also allows you to sue up to $500 in the mini tort provision. It may not be worth it to take him to court but if you are after personal satisfaction/vengeance maybe it would be.

http://www.all-about-car-accidents.com/resources/auto-accident/auto-insurance-issues/michigan-auto-i

Mike

[Kandiru]

I too am contemplating dash front and rear cams with closed loop recording.

What do members here use? Can you share?

[z_curtis_s4]

I too am contemplating dash front and rear cams with closed loop recording.

What do members here use? Can you share?

I'd be interested as well. Dash cams seems smart if it doesn't cost too much.

[Johnnycash]

there is no way someone would rear end your car for no reason, accidents happen. not trying to be a dick but seems like you are projecting a bit onto the other guy because of your own decision to keep a 1k deductible. shitty situation no doubt, just use this as a lesson and take something away from it.

[blackfunk]

In this case you were hit so your insurance company will give you the option of paying your deductible up front if you use them to pay for the damages after which thye will attempt to recover your deductible from the other party's insurance. if you go through the other party's insurance they'll make the determination what % of responsibility you have in the accident and that the percentage of the deductible you'll be responsible for. It could be 0% or 100%.

In simplest terms no fault means that somebody pays for your damages even if its your insurance company if the other party does not have insurance.

[The Fat Kid]

i start to get a little paranoid that he did it on purpose since the guy i'm mutual friends with is the low-life type. he knew he wouldnt care about any damage on his car. and he really had zero sympathy. ah well im probably reaching a bit... at least i hope i am only reaching and it's not true >:|

Yup, this is possible. Unfortunately, a lot of people have a "F- that guy and his nice car" mentality. I live in an urban area and people have "city cars", which means they will try to squeeze by, door ding you, and/or slam into your bumper when parallel parking.

Anyway, that sucks and hopefully it looks like new after the repair!

[MrFunk]

I'm really sick with some kind of cold (flu?) that has been owning me for the past 10 days....So I stop by Mickey D's drive thru on the way to work...and then BAM! "WTF was that?"...The douschebag with his rusted-out F250.......I was in a hurry at the DMV with this audi (back in february) and went with standard and $1000...

...Apparently we have a mutual friend on fb too...


LOL - if you read it like that it makes perfect sense... LOL... just a lot of really bad decisions. [;)]
Sorry mate that REALLY does suck man... I feel your pain... I keep as clear from McDonalds as I can - always full of weirdos, low lifes and rust buckets... not to mention the food will kill you - if you can even call that food.

As far as the fix. I'm guessing it's not that difficult a fix given the lid is so accessible from the back. Will be 1500 a least to fix with respray I'd say. Maybe 2500 all said and done...

[Johnnycash]

I keep as clear from McDonalds as I can - always full of weirdos, low lifes and rust buckets... not to mention the food will kill you - if you can even call that food.

also this.

[s14roller]

LOL - if you read it like that it makes perfect sense... LOL... just a lot of really bad decisions. [;)]
Sorry mate that REALLY does suck man... I feel your pain... I keep as clear from McDonalds as I can - always full of weirdos, low lifes and rust buckets... not to mention the food will kill you - if you can even call that food.

As far as the fix. I'm guessing it's not that difficult a fix given the lid is so accessible from the back. Will be 1500 a least to fix with respray I'd say. Maybe 2500 all said and done...

I think there's enough to be said about the damage and sorry to hear of this incident. Luckily, it doesn't look horrible and shouldn't be too hard to resolve. On a more important note, I agree with the above...McDonalds and eating cereal until you got sick of it? Less worry about the trunk, more worry about health. Bad fats and high sugars is not a good combo.

[chaos2984]

what you mean no fault? The guy flat out ran into the back of you. its 100% his fault. How would his insurance not pay for that? How does that fly to where he gets off scot free??

[Okan509]

there is no way someone would rear end your car for no reason, accidents happen. not trying to be a dick but seems like you are projecting a bit onto the other guy because of your own decision to keep a 1k deductible. shitty situation no doubt, just use this as a lesson and take something away from it.

this is just not true.

I had a guy reverse into the front of my car at a stop light, and then dip. He repeatedly reversed a bit, in a sort of teasing manner, to finally actually hit my car. (I was grid locked)

people are fucking scum.

[Johnnycash]

this is just not true.

I had a guy reverse into the front of my car at a stop light, and then dip. He repeatedly reversed a bit, in a sort of teasing manner, to finally actually hit my car. (I was grid locked)

people are fucking scum.

maybe you misunderstood me? to do that kind of thing for whatever reason and leave the scene sure. but to hit someone intentionally at a drive thru and get out and exchange info for insurance and wait for the cops to come etc. ? what could be the possible motivation?

a hit and run is a completely different scenario with all kinds of speculative selfish motivations for doing so ie no insurance, drinking and driving, drug possession, warrants etc

[Lulink]

It was just happening to me 2 weeks ago. Some dude backed up his/her car and bumped into my rear bumper and left a giant hole. so freaking hate it.

[palmor]

Now I'm wondering how much ($$) damage this is and how I can get him or his insurance to pay for it. I guess I have to sue him since it's a no-fault state?

I'm in a no-fault state as well and that isn't how it works, at least here.

Make a claim with your insurance company. They will determine (with the other company) who was at fault (or maybe even a %). Depending on that they will either pay for the damage and go after the other company to pay them or tell you you're at fault (or 50/50) and will have to pay the deductible.

I got rear-ended last year and it ended up costing ~$20k to repair (yes 20) and I didn't take out a dime from my pocket.

[MYFASTA4]

http://www.michigan.gov/documents/cis_ofis_ip202_25083_7.pdf

sorry this happen, but relax all that will come out of the other persons insurance.

[MrFunk]

Yeah I was going to mention that also - you should not have to pay a dime...

[jaywee]

I have dash cams in all my cars, saved me sooo many times. Would not have helped you here but invaluable in terms of proof.

What dash cams are you using? I'm thinking of getting one for front and one for back. I'm paranoid with these insurance scams going around with crazy peeps jumping in front of your car.

[teylix]

what you mean no fault? The guy flat out ran into the back of you. its 100% his fault. How would his insurance not pay for that? How does that fly to where he gets off scot free??

that's what i want to know!


I think there's enough to be said about the damage and sorry to hear of this incident. Luckily, it doesn't look horrible and shouldn't be too hard to resolve. On a more important note, I agree with the above...McDonalds and eating cereal until you got sick of it? Less worry about the trunk, more worry about health. Bad fats and high sugars is not a good combo.

Dude.. sausage egg mcmuffin and some orange juice is not an unhealthy breakfast. But if you want, you can make me breakfast in the mornings when i'm sick... i'd be grateful!


I'm in a no-fault state as well and that isn't how it works, at least here.

Make a claim with your insurance company. They will determine (with the other company) who was at fault (or maybe even a %). Depending on that they will either pay for the damage and go after the other company to pay them or tell you you're at fault (or 50/50) and will have to pay the deductible.

I got rear-ended last year and it ended up costing ~$20k to repair (yes 20) and I didn't take out a dime from my pocket.

huh.. well im going to get an estimate and go from there. maybe i didnt understand the process.. whats the point of broadform insurance then?


Yeah I was going to mention that also - you should not have to pay a dime...

hmm... that would be great. all i heard about was mini tort.