Accidents rule!!

[Sqwigy X]

Here's the deal, about a month and a half ago, I got into an accident and banged up the front, right side of my car. Totally killed the pop-up light, the fender, bumper, and the parking lights. It was totally the other guy's fault, but I was worried that they'd somehow pin it on me. But after the police report came, it said it was their fault. So I'm thinking, "Sweet! A free silvia front end conversion!" thinking they'll give me maybe $1,000 or something. The insurance appraiser came today, checked out my car, and gave me a check for $2,150!! I need to get into more accidents!!

[spec-v5150]

Yeah they do. I have been "wishing" to get hit in my ALtima so hopefully they can total it and I can get a 2002 Maxima SE....LOL but then I thought about it...is a Maxima really worth the loss of life or the loss of a limb...nope so anyway I just rambled throughout my whole post....LOL

[drifter sx]

man i dunno... sure i wouldnt mind gettin slammed into for money, i guess i can take it. but accidents dont always have happy endings...

[Rican_Nick]

i just couldnt see my baby getting hit by someone:( .. i would go into a rage and kill someone and prolly go to jail

[r34 gtr]

id like to get lightly read ended by someone, preferably on the passenger side rear so it wouldnt mess up my exhaust. then i could claim insurance and get that cracked tail light fixed, the leaky hatch fixed, the whole no spoiler and the annoying things i plugged the holes with issue fixed, and that "i am cheap and spray painted the hatch and bumper of my car gloss black because i cant even afford to go to maaco" issue fixed.

here is an example of how cool a good friend's mom is, she actually OFFERED to rear end me lightly so i can claim insurance and get the stuff fixed. is that not awesome?! of course, i wouldnt let her, seeing as at the time she had a white 2001 lexus lx470. maybe if she drove a 1986 mercury topaz or something i woulda let her. by the way, im in no way rich, my parents just cough up a ton of money to go to a rich kid school, so almost all of my friends are quite rich (i suggest this whole "having rich friends" thing, it works out pretty well for me, i have so much cool free stuff because i take their old things-tv's, vcr's, computers, etc.- when i persuade them to buy new ones to replace them).

"dont mean to brag, dont mean to boast, but im intercontinental when i eat french toast" - tim

[E Dogg]

I have gotten a new computer from insurance too, "lighting strikes"

[D1SR240]

My dad got in an accident when some guy in a semi form a huge transporting company hit him, everyone was fine and the company that the guy in the semi worked for tried to pin it on my dad, but it the end they had to pay for all the damages (around 7k to my dad's pickup) and they had to pay us another 8k : ), well actually it was 14k but lawyer fees and all that stuff. I'm just glad no one got hurt.

[APEXi240]

My brother's 91 Integra was totalled out when a brand new Accord backed into him. Their fault, my brother got 2,3000 bucks, and we replaced the door and fender for about 400, then he painted the whole car, and just sold it for 800. He originally bought it for 1,600. He made a bunch of money off that car.

[juxaguy]

apexi - 23000 or 2300?

if it was 23000 the adjusters from the insurance company sucks. :P

sqwigy, hope that you came out with no scratchs or bruises.

as for rear ending your car; don't complain when your rates go up.

[Onizuka]

Here's the deal, about a month and a half ago, I got into an accident and banged up the front, right side of my car. Totally killed the pop-up light, the fender, bumper, and the parking lights. It was totally the other guy's fault, but I was worried that they'd somehow pin it on me. But after the police report came, it said it was their fault. So I'm thinking, "Sweet! A free silvia front end conversion!" thinking they'll give me maybe $1,000 or something. The insurance appraiser came today, checked out my car, and gave me a check for $2,150!! I need to get into more accidents!!

They probably saw that your car has frame damage which is expensive to fix.

[s40sxDragon]

Getting money from wrecks wouldent be too bad, but you have to go for a while with no car... Im happy with my 240sx, i would love to have a 350Z, but lets get real, ive put more money into my car than its worth, but i guess older cars tend to do that.

[Z3Px]

lol accidents would rule if you had full insurance...me however (at the time mind you) had liability only, being im a poor teenager, and THIS

[Z3Px]

...is what happens when you have liability only

[jdmfreak]

hA! tHAT SUCKS.

[forsaken]

Accidents do rule. I totaled my previous car, a '97 Audi A4, and ended up getting enough money to get my coupe, my swap, my suspension and pay off all my debts...

[Sqwigy X]

But now I'm at a loss of what to do. I paid $1800 for the car, and after I bought it, I noticed its got some pretty heavy rust damage in some less than ideal spots. I'm considering selling the car for whatever I can get for it and just buying another 240 that's in better shape. I'm going to go to a body shop this weekend and see what they think of the rust. Oh, and nobody was hurt in the accident. I was pissed off at the time, but now I'm kinda glad it happened. And at least I ripped off their entire back bumper.

[bcuz]

oh god that picture is depressing.. that coupe looks so clean too. its sad all Isee now adays is those gay hatchs.. I gotta find me a coupe in good conidition.. or even better a coupe in really good condition with a blown head gasket or something.. but thats like a needle in a 45 acre hay stack.

[Z3Px]

yeah, i love my coupe and the sadest thing about it is that i got a quote (just one mind you) and they something in the 2500 range of my pocket money, the car runs perfectly fine...just the local honderds laugh at me when ever they pull up beside

[E Dogg]

Hey dragon, if you have more in your car is worth get agreed value coverage. You have your car appriased by a professional and insure it for that value. In some cases this coverage is cheaper than regular ins. because it is primarily used for old restored show cars -cudas, gto's, vettes etc

[driftaholic]

i wouldn't have my 240 if it wasn't for some dude rear-ending my truck. truck was still driveable, just some bent panels, but the age made it totalled, and i had whiplash. was physical therapy 3x a week for 8 weeks worth it? you bet your *** it was!

[240sxSupra]

I need to get in a wreck. I have a 90 240sx that is a bit banged up already and I think the insurance would be worth more than the car lol. I payed $1,100 and have put about 200$ into the car. If I managed to get in a wreck that was minor then I would probably get a couple thousand and be able to fix ti and pay some bills. But a while back I had a MINT 88 toyota pickup with 78k original miles last october and a mercedes ran a stop sign and I slammed into them going about 45mph (raining). Well that totally destroyed my truck and turned out they didn't have insurance. So I was screwed (I have liability). Well now I bought a dodge avenger and found out 3 months later when I got the title finally that it was a salvage title and got screwed there too (4,000$) and traded it for a 87 Toyota Supra Turbo with all options. I also bought a 1990 240sx for the 1,100$ Well now I am looking to trade the Supra for a 91-94 240sx. If anyone is interested let me know. Supra ad is here: http://www.nissaninfiniticlub....39393 There is my insurance and wrecks 2 million cents

[AZhitman]

You guys suck.

No wonder the honest people pay so damn much for insurance.

16 years driving, over a million miles behind the wheel, not a single accident, and yet insurance drains away my hard-earned money every month...

The only thing worse than jacking an insurance company for bogus crap like that is not having insurance in the first place.

[Onizuka]

You guys suck.

No wonder the honest people pay so damn much for insurance.

16 years driving, over a million miles behind the wheel, not a single accident, and yet insurance drains away my hard-earned money every month...

The only thing worse than jacking an insurance company for bogus crap like that is not having insurance in the first place.

:Werd

[89240sx]

You guys suck.

No wonder the honest people pay so damn much for insurance.

16 years driving, over a million miles behind the wheel, not a single accident, and yet insurance drains away my hard-earned money every month...

The only thing worse than jacking an insurance company for bogus crap like that is not having insurance in the first place.

jacking? If they write the check than they determined the amount correct?

[Onizuka]

the point is, saying accidents are great is retarded, all accidents do is cost sociaty (me and you) money.

[driftaholic]

i had absolutely no intension of getting into an accident, but the way it turned out was very beneficial to me. that's all. i got back a bunch of money that i had been putting into the system for 7 years.

[GeeThreeFive]

:rockon You have to be a Californian to relate to that!

[89240sx]

I don't understand how paying for them to write you a check when you get into an accident is us ripping them off?

[Onizuka]

if you get in a accident (thats by accident) and get the money you deserve that is great, if you are out on the road to get in a accident because you dont like your car you are a douch bag.

I want to break my arm so the insurance company can pay $5000 to fix it!

[C-Kwik]

Many of you have the wrong idea about what insurance is. Regardless of how long you've had insurance or how much you've paid, it's a matter of pooling money with other people to collectively pay the losses that are incurred. You are essentially paying a premium so that someone else takes on the risk for you. Everytime you get on the road, you assume a risk. Often they are small. But imagine how quickly it can add up. Especially when it involves multiple vehicles. If you didn't pay insurance, do you think you'ld be able to pay all that damage? Or better yet, you buy a 20,000 car and someone hits it and leaves or has no insurance. And you don't have any collision coverage. Can you afford it? Maybe you have a loan on it...and you end up with a debt and you don't have a car to drive.

And those of you who think it's okay to get paid more from their insurance...guess what? It is a form of fraud. It's hard to prove, but it is. Secondly, guess who pays it? Not insurance companies. You do. Every policyholder has to absorb that cost. As I said above, insurance is a group of people pooling their money to pay for their losses. So the more is paid out, the more that has to be pooled. Keep in mind that a company that handles everything well, from underwriting to claims, may make about 2 cents for each dollar they take in as profit. Most run closer to spending all that they take in. The only way they can even make a profit, or in some cases stay afloat is to invest the premiums. So what happens when fraud is committed? Well, insurance companies still have to keep their shareholders happy by making a profit. So Premiums must go up. Fraud is a multi-billion dollar a year industry. It's estimated that fraud adds about $300 of premium a year to each policyholder's premium. Insurance fraud is not victimless. Just like stealing from a store or shoplifting, it's not the store who pays. It's the consumers.

If there is something you want to get fixed on your car or modify, get a job, work hard and pay for it yourself. Benefiting at the expense of others is just chicken sh*t. And to let you know, those that modify cars are already a target for fraud investigations. The National Insurance Crime Bureau hold seminars because so many people who modify cars use fraud to fund their projects. Why add to that? And Drifting has come up on the radar as well.