March 5th, 2004

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05:31 pm - My back hurts, dammit.
Some jackass rearended me doing like 25mph *at the time of impact* while I was at a stoplight today.

Amazingly, the indestructible Neon is virtually unmarked - there's a scuff on the bumper rubbermaid, and the license plate is crumpled to FUCK, but nothing's cracked or broken.

The impact was hard enough that it kinda blacked me out a little, and slammed the car about ten feet forward when the guy plowed into me.

The perpetrator's EXACT words to a passing fire department sedan, inquiring if I needed assistance in getting police out there: "oh it's okay, we just bumped into each other." I stared him down cold and said "we did not bump into each other, you rear-ended me." He dropped his eyes to the ground and mumbled "I, uh, rear-ended him." I think he was half-afraid I was going to beat his ass right there in the middle of the street, fire-department guy and all. (I also think a little fear on his part might have been a healthy thing at that point.)

I totally wanted to stick him with the traffic points and the fine and the insurance hikes, because goddamn, he hit me hard enough to make me black out. But there really wasn't any damage worth speaking of to my Neon, although it did probably $750-$1000 worth of damage to his truck - crushed and mangled the hell out of his bumper; probably the whole front clip will need to be replaced as well. (Truck vs Neon - who expected the NEON to deliver the ass-beating there?) And I totally didn't have two hours to spend standing in the middle of the street dealing with cops, and no matter how not at fault you are, your insurance always goes up if you're involved in a claim in any way, in my experience. So I settled for tearing him a new asshole and letting him go.
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Current Mood: pissed off
Current Music: Cake - Stickshifts and Safetybelts

(14 comments | Leave a comment)


From: cpf
Date: March 5th, 2004 - 02:46 pm
Have your frame checked out.

From: filious
Date: March 5th, 2004 - 02:53 pm

I was...

thinking the same thing.

[User Picture] From: herbaliser
Date: March 5th, 2004 - 03:13 pm
get your back checked out, too; reg is still pretty messed up from his rear-end collision.

[User Picture] From: ravenword
Date: March 5th, 2004 - 04:20 pm
::reads Laural's newest post::

...yeah, I hope your back's all right.

From: (Anonymous)
Date: March 8th, 2004 - 11:50 am
I agree with both of these bits of advice: Have your car's frame and your body's frame checked out. You don't want to risk further damage to either of these items later on due to this incident.

However, since you did not file a report, I think you've pretty much lost any chance to legally persue him later. So if you do find anything wrong with your frames it will be all on you to fix them.

I could be wrong though. It's happened before.

Good luck though.

[b]Dirty Dog

From: (Anonymous)
Date: March 5th, 2004 - 03:44 pm

[User Picture] From: jimbojones
Date: March 5th, 2004 - 03:52 pm
No. The light had BEEN red for at least half its cycle when he slammed into me. I was *sitting* at the stoplight when this happened, not *stopping* at the stoplight.

[User Picture] From: scarlett723
Date: March 5th, 2004 - 06:12 pm
suck. I feel your pain. See Monday's entry. At least your car is driveable. My rental really makes me want a new car.

[User Picture] From: staringgoldfish
Date: March 5th, 2004 - 06:59 pm
Shouldn't he at least be into you for a new liscence plate?

[User Picture] From: ravenword
Date: March 5th, 2004 - 07:52 pm
nah, he was itching for an excuse to go back to the DMV anyway

From: (Anonymous)
Date: March 7th, 2004 - 07:32 pm


Sounds vaguely familiar to what happened to us almost a year ago to the day... sorry to hear about it, Jimbo! Hope all is well otherwise... Manz

[User Picture] From: xkisses
Date: March 10th, 2004 - 01:58 pm

You fucking idiot. Okay, I didn't read it all the way through, but all I got was that some guy rear-ended you, and you let him go.

Jesus christ. Police report or no, you have a claim against his insurance company. Damages or no, you WILL have a scratch on your back bumper that his insurance company will pay to repair. Injuries or no, you're in pain and deserve compensation. I know I should like a fucking lawyer here, but goddammit, you're tossing fucking money out the window if you don't call his insurance company and file a claim. It's not your fault that he wasn't fucking paying attention. There's no reason for you to play nice guy when your car's been pushed that far in a rear-end accident.


[User Picture] From: jimbojones
Date: March 11th, 2004 - 07:35 pm
I know from bitter experience that no matter how NOT at fault I am, if an accident gets filed with an insurance company and my social security number is involved, my rates go up at my next renewal.

Even when it's not MY damn insurance company that has to pay anything.

So what was I going to do, fleece his insurance for $1500 for a bumper that doesn't really need fixing, just so my own insurance could go up $30 a month next year and stay that way for another three years? Assuming I don't actually apply the $1500 towards a cosmetic repair of a practically invisible problem, that would be a maybe $300 net gain over a three year period. Maybe.


From: (Anonymous)
Date: April 1st, 2004 - 09:19 am
Don't know where you're getting your info, Jim, but it's not necessary (not to mention illegal) for the other party's insurance company to require your social security number for any claim that does not involve medical bills.
Your choice, but I think you're throwing money away.
THe only way your insurance company would find out about the accident is through the VIN # on your car (if they're doing a background check for a new policy), or by investigation into medical insurance claims (only where there's med bills involved.) I know most people have a pretty bad take on the insurance business, but the least I can do is straighten out experienced fact vs. fiction.


[User Picture] From: jimbojones
Date: April 1st, 2004 - 10:11 pm
In 2000, I had an accident where a gimpy-ass deaf old guy drove right into the side of a company truck I was driving. Totally his fault; I was blowing the horn at him the entire painfully slow time he was changing lanes directly into the spot just aft of my driver's side door. My company did not file a claim with their insurance; they just drove the truck as-is after receiving the check from his insurance company.

Less than a year later, when I changed my address of record to reflect my move to Columbia, my insurance went up $70 a month because of the new accident Equifax's driving record service discovered correlated against my SCDL number. My insurance agent TOLD me, straight up, that that was why my rates went up - in spite of the fact that no claim was made against me, and the accident was not charged as my fault.

Three years later, my car was broken into while parked and my stereo stolen. I didn't bother claiming the stereo itself against my insurance, because the deductible came within $150 of the replacement cost of the stereo - so I just sucked up the stereo replacement, and only filed for the glass replacement for the window which was bashed in in order to steal it. Guess what? In spite of the fact that I DIDN'T hit up the insurance company for the stereo, only for the glass, MY INSURANCE WENT UP AGAIN. And before you tell me "your insurance company just sucks", I should tell you that this pissed me off enough that I shopped them (Allstate) to three competitors, and ALL THREE competitors actually came in HIGHER. (I am now paying $670 every six months for minimum full-coverage on a 2000 Neon, as a 32 year old single male who hasn't EVER had an at-fault accident in his life, and has had only two claims described above on his record within the last TEN YEARS.)

"Straighten out" all you like, but I'll be damned if I'll EVER trust an insurance company. As far as I'm concerned, it's a protection racket, and the best way to deal with 'em is to pay them absolutely as little money as possible, and have the absolute minimum of contact with them. Unless I stand to collect over six months worth of premium in payout from them, FOR SOMETHING I NEED, I'll be damned if I'm going to bring myself to their attention - it just costs me more in the long run.

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