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General Discussions => Spunk => Topic started by: kindm's on May 31, 2007, 12:25:09 pm
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wow...that totally sucks! i hope you\'re alright, and at least you were able to walk away. i know too many people who have died in car accidents (whether it was their fault or not). i actually was in an accident with a dump truck and a school bus last year (not my car, i was just the passenger)..it was completely the fault of the dump truck driver...and then he tried scamming my friend by not giving her any insurance info! people are TARDS and should not be on the road! it irritates me so much that there are people out there that are driving and not paying attention...it\'s exactly like that Allstate commercial with ex-president Palmer (from 24), where they have the guy trying to change his pants while driving...the make-up artist...the guy eating cereal or whatever from a bowl...and then you have your drunk drivers which are the worst!...well, now that that\'s off my chest :) i hope you at least bitched out this person for slamming you. good luck with the insurance bs.
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An insurance carrier may reserve the "right of subrogation" in the event of a loss. This means that the company may choose to take action to recover the amount of a claim paid to a covered insured if the loss was caused by a third party. After expenses, the amount recovered must be divided proportionately with the insured to cover any deductible for which the insured was reponsible.
Basically Progressive pays Mike and then Progressive goes after GEICO to get the money back that they paid him.
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please define subrogation?
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anytime you hit someone from behind its your fault regardless because most times your insurance company will pay out property damage because it is easier than subrogation. In this case GEICO has 2 insureds which is just easier to settle a claim in house then going and trying to get money from Progressive only to have Progressive get it back from GEICO.
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not positive but I\'m pretty sure 9/10 times if you hit someone from behind it\'s your fault.
i have heard that too, but wouldn\'t this be the 1/10 time that, because you were hit from behind thus being forced into someone else\'s behind, it wouldnt apply?
I didn\'t mean mike I meant the guy that hit mike. the whole thing is his fault.
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not positive but I\'m pretty sure 9/10 times if you hit someone from behind it\'s your fault.
i have heard that too, but wouldn\'t this be the 1/10 time that, because you were hit from behind thus being forced into someone else\'s behind, it wouldnt apply?
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Glad that no serious injury had occurred. Hope everything works out.
As for insurance in NY which I sell, the guy will be carrying at least 25000 in property damage if he has insurance.
Did you hit a car in front of you? or was it a 2 car accident?
He hit me so hard I hit the guy in front of me. So yes I did hit the guy in front of me
They both have Geico and they called me and said they would pay for all of it so I am assuming that means they are accepting liability but I have to follow up with my INS company to see if that is indeed the case
not positive but I\'m pretty sure 9/10 times if you hit someone from behind it\'s your fault.
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oh no mike, thank god you are ok :(
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We are legal conartists because the law state that you need to provide financial responsibility to operate a motor vehicle legally.
You should be alright with the claim, Progressive will probably end up subrogating the money from GEICO but since 2 of the drivers are GEICO insured, its easier for GEICO to assume responsibility and pay the claim. Good luck.
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Good Luck Mike. Insurance and people who sell insurance are the biggest scamming con artists out there....before you know it there\'s change missing from the dresser and your daughter\'s knocked up. Believe me I have seen it happen millions of times......
LOL.
So far so good. Progressive has been pretty good. I chose to handle it through my insurance and things seem to be going well. They are taking my car to the shop today and I should know how long it will take to fix by the end of the day
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Good Luck Mike. Insurance and people who sell insurance are the biggest scamming con artists out there....before you know it there\'s change missing from the dresser and your daughter\'s knocked up. Believe me I have seen it happen millions of times......
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Glad that no serious injury had occurred. Hope everything works out.
As for insurance in NY which I sell, the guy will be carrying at least 25000 in property damage if he has insurance.
Did you hit a car in front of you? or was it a 2 car accident?
He hit me so hard I hit the guy in front of me. So yes I did hit the guy in front of me
They both have Geico and they called me and said they would pay for all of it so I am assuming that means they are accepting liability but I have to follow up with my INS company to see if that is indeed the case
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Glad that no serious injury had occurred. Hope everything works out.
As for insurance in NY which I sell, the guy will be carrying at least 25000 in property damage if he has insurance.
Did you hit a car in front of you? or was it a 2 car accident?
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I hope he had insurance and it covers a rental and full maintenance for you. Nothing worse than getting hit by someone without, has happened to a few people I know.
Glad you made it through ok! :thumbsup:
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gotta love "crumple zones".......did your airbag go off?
Glad to hear you weren\'t seriously injured. How are you feeling today Mikey?
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glad your ok man, people seriously do not pay attention when behind the wheel
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just glad to hear you\'re ok. as far as the other guy: Karma\'s a ****.
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Glad you are fine. I just got my car back from being repaired as I was hit by a drunk driver 3 weeks ago. It sux but at least you are physically fine.
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That sux :( I\'m so glad you\'re okay though! I hope your car gets fixed soon & you get some well-deserved cash from this unfortunate incident... people who don\'t watch the road in front of them shouldn\'t be on the road at all.
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Glad to hear you are fine!
What do you suppose was the cause? Tailgaiting/distracted driver/just an idiot who should never have a license?
We were in stop and go bumper to bumper traffic. I was stopped with traffic. I looked in to my rearview and saw this guy barreling down on me. I was like oh **** he isn\'t gonna stop. I don\'t know how he didn\'t see me. But I had just enough time to brace for the impact.
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Glad to hear you are fine!
What do you suppose was the cause? Tailgaiting/distracted driver/just an idiot who should never have a license?
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Ugh. Sorry to hear about this.
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That sucks man. Highway accidents are the worst.
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Wow. Glad you\'re alright! Though, it could take a couple days for injuries to set in.
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my neck
my back
my neck and my back
considering i have a bad back I was actually surprised that it wasn\'t screwed up. I have done physical therapy for it before.
no man,it IS screwed up.
::nudgenudge::
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my neck
my back
my neck and my back
considering i have a bad back I was actually surprised that it wasn\'t screwed up. I have done physical therapy for it before.
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my neck
my back
my neck and my back
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I hope you took a swing at the idiot.
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Heres the ass who hit me and his F-d car
(https://thebreakfast.info/proxy.php?request=http%3A%2F%2Fwww.users.cloud9.net%2F%7Ekindms%2Fimages%2FIMG00045.jpg&hash=78a1f399639eab623e11b48d126d44fb34f6a19e)
My Exhaust System hanging on
(https://thebreakfast.info/proxy.php?request=http%3A%2F%2Fwww.users.cloud9.net%2F%7Ekindms%2Fimages%2FIMG00046.jpg&hash=cff74d9c64f03ee96e6c9460c1d9a41b59d1b451)
The mushed front end of my ride from getting propelled in to the guy in front of me
(https://thebreakfast.info/proxy.php?request=http%3A%2F%2Fwww.users.cloud9.net%2F%7Ekindms%2Fimages%2FIMG00047.jpg&hash=3b97cf6e8b9862cb629eaf3d2ba4f17585fba4d3)
(https://thebreakfast.info/proxy.php?request=http%3A%2F%2Fwww.users.cloud9.net%2F%7Ekindms%2Fimages%2FIMG00048.jpg&hash=2c2bea5b33d27f5abac31fbd431753ea45889cab)