Malibu 310
New member
Holy Shit. I've got the Gecko-Caveman insurance and am paying only $40 monthly (with liability only which is soon to get changed.) I guess i need to watch my ass and think about switching insurance companies.
The thing between here and suicide: A car.
- Thread starter Malibu 310
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High Roller
New member
Holy shit that's stupid. The same thing almost sort of happened to my boyfriend, who was driving our car and just slightly bumped the chick in front of him at a light because of the rain. There was the tiniest dent, but she insisted on calling the cops out, "Just in case." In case what, you dumb twat? She was a stupid, gum-chewing, daddy's-girl-car skank.
The cop was really annoyed once he came out and realized what happened, which was not worth calling the cops for, told them to exchange insurance information (which my boyfriend wanted to do at the time anyway), and she claimed something like $400 for her tiny dent. Our premiums went up, too (and I think we had Gecko at the time also), but I switched insurance companies and paid less. How lame.
And thanks for the post, Honey.
The cop was really annoyed once he came out and realized what happened, which was not worth calling the cops for, told them to exchange insurance information (which my boyfriend wanted to do at the time anyway), and she claimed something like $400 for her tiny dent. Our premiums went up, too (and I think we had Gecko at the time also), but I switched insurance companies and paid less. How lame.
And thanks for the post, Honey.
I have the gecko people and I love them. My last insurance company, when I had to report that my car had been broken into, had a punch number system thingy. I spent half an hour just punching random numbers in the hopes I would be connected to a real person. I have gecko and I pay 115 with me and William on my insurance, two tickets on my record, three on his, and both of us with an accident, but I just have the state required minimum. When I was shopping for car insurance, they were the cheapest at the time. I was just going to use them until my tickets and accident fell off, then I would switch to Allstate or something, but I love how you're talking to an actual human being within a minute of calling. I hate customer service calls in the first place, but they make it nice and painless. Hell, not even my own bank is nice like that.
malibu420allday
New member
Have you had an accident since you've had them Pierced? If so, was it your fault?
I have an awesome insurance co now and nobody can touch their prices. Also they don't screw their customers especially the longer you've been with them. My mother has been with them for 30 + years and she caused an accident that totaled both her car and a Mercedes. They settled the case, gave her a nice check that covered the purchase of a new car and her insurance didn't go up one single penny. They also beat the Gecko insurance premiums in my case and after going through a short menu you get to speak to a person rather quickly.
Gecko can shove their person-to-person customer service up their neanderthal ass as far as I'm concerned. But, if it works for you then that's good. I just hope you don't go through what I had to...
I have an awesome insurance co now and nobody can touch their prices. Also they don't screw their customers especially the longer you've been with them. My mother has been with them for 30 + years and she caused an accident that totaled both her car and a Mercedes. They settled the case, gave her a nice check that covered the purchase of a new car and her insurance didn't go up one single penny. They also beat the Gecko insurance premiums in my case and after going through a short menu you get to speak to a person rather quickly.
Gecko can shove their person-to-person customer service up their neanderthal ass as far as I'm concerned. But, if it works for you then that's good. I just hope you don't go through what I had to...
Whereabouts do you live at? Were the roads snowy or icy, as they are around Ohio? I mean, I can't understand him flying up on you and the redlight like that. Speeding on crap roads is a dumb idea anyway, let alone up on a redlight.
I dunno if you answered this, I don't remember it, but how extensive was the damage to yourself? Concussion?
Luckily for you, someone you know or was affiliated with knew where the Inertia switch was located. I assume you drive a Ford? All that switch does is open the circuit for the fuel pump, so if there is motor damage or fire, the fuel pump doesn't keep pushing out gas.
Again, it sucks about the whole situation. I don't understand why you have to go above and beyond to get what belongs to you. The guy fuckin' plowed you. Rear end accident = autowin. And by the sounds of it, it's like me must have been impaired.
Best of luck to you anyhow.
I dunno if you answered this, I don't remember it, but how extensive was the damage to yourself? Concussion?
Luckily for you, someone you know or was affiliated with knew where the Inertia switch was located. I assume you drive a Ford? All that switch does is open the circuit for the fuel pump, so if there is motor damage or fire, the fuel pump doesn't keep pushing out gas.
Again, it sucks about the whole situation. I don't understand why you have to go above and beyond to get what belongs to you. The guy fuckin' plowed you. Rear end accident = autowin. And by the sounds of it, it's like me must have been impaired.
Best of luck to you anyhow.
!$*BUNZ*$!
New member
Yeah, I know, and it's a light that's visible for AGES, too. It's not like it sneaks up on you after a hill or something. 
It had been raining so the roads were wet, but it wasn't raining when he hit. People can't drive in rain or snow, srsly. They seem to take it as a challenge to go faster.
I just had the hurt neck, which the x-rays said was okay except for a bit of muscle strain. Which is why I figure that a lawyer couldn't really get me some kind of huge amount of money - that I went to the doctor and got the okay-to-go-back-to-work right away bill of health. Which might be more relevant if I had a job.
It IS a Ford, thank you very much! You get a cookie.
Quite. I'm told that his insurance company should be contacting me, actually, which is hard to do on account of my no-phone-having. But I gave everyone of importance my mom's number so she should pass that along to me when anyone does call.
And thanks for your sympathies.
It had been raining so the roads were wet, but it wasn't raining when he hit. People can't drive in rain or snow, srsly. They seem to take it as a challenge to go faster.I just had the hurt neck, which the x-rays said was okay except for a bit of muscle strain. Which is why I figure that a lawyer couldn't really get me some kind of huge amount of money - that I went to the doctor and got the okay-to-go-back-to-work right away bill of health. Which might be more relevant if I had a job.
It IS a Ford, thank you very much! You get a cookie.
Quite. I'm told that his insurance company should be contacting me, actually, which is hard to do on account of my no-phone-having. But I gave everyone of importance my mom's number so she should pass that along to me when anyone does call.
And thanks for your sympathies.
Social Butterfly
New member
Have you contacted an attorney and if so, what do they say about your situation?
Ok, if it gets totaled, you can keep the car, however, the title for the car makes it very hard to get it legal again. You may have heard of a salvage title? If your car gets totaled, and you think that's BS, you can accept the money, but you'll have to get a salvage title prior to getting plates for it again.
Totaled is when if costs more money to fix the car then the car is worth. If the car is worth 100 dollars and it could cost 101 dollars to fix it, they total it.
It really helps if you can find a shop to give you an estimate to fix the car. When the ins adjuster comes, and tells you one thing, you say, but this guy will fix it for...
Getting a new car or having a car payment is not a bad deal, since you can get a policy that pays your plan off if the car is in a wreck. Most people say fuck it, I'm not getting into a wreck, but you never know.
The next best thing is to have something that has more steel in the bumpers than most cars are built with these days *cough mahjeep cough*
Totaled is when if costs more money to fix the car then the car is worth. If the car is worth 100 dollars and it could cost 101 dollars to fix it, they total it.
It really helps if you can find a shop to give you an estimate to fix the car. When the ins adjuster comes, and tells you one thing, you say, but this guy will fix it for...
Getting a new car or having a car payment is not a bad deal, since you can get a policy that pays your plan off if the car is in a wreck. Most people say fuck it, I'm not getting into a wreck, but you never know.
The next best thing is to have something that has more steel in the bumpers than most cars are built with these days *cough mahjeep cough*
Mars Turrez
New member
Yeah, to clarify and make it simple: Totalled again means that it would cost more to repair than the car is otherwise worth. By totalling it they basically give you what they say it's worth, and buy it from you. Then scrap it. You don't get both generally.
Lee: I accidentally backed my mom's Grand Cherokee into a friend's Toyota Camry.
The Jeep lost some clearcoat, and I think that quarter panel wiggles a bit.
His quarter panel was crushed and cost about a grand to replace.
I concur with your statement.
Lee: I accidentally backed my mom's Grand Cherokee into a friend's Toyota Camry.
The Jeep lost some clearcoat, and I think that quarter panel wiggles a bit.
His quarter panel was crushed and cost about a grand to replace.
I concur with your statement.
Okay update:
So last time I posted I hadn't checked my mailbox for several days after the accident, and when I did I found it overflowing with letters from lawyers. All with the "OMG CALL US!!!1" and shit. They all have free consultation, of course, and we-no-get-paid-until-you-do, so basically I sorted them into two piles: Maybies and not maybies. Since they mostly all sounded the same, the "not maybies" were basically people who had really shitty font choice. Fonts are important to me. So there.
No but actually I picked one I'm going to try first, because he broke the shit down into little sections, like what the insurance adjuster will do and stuff. Actually giving real information, which was awesome. Furthermore he included a coupon (yeah a coupon, haha!) for 25%, meaning he'd take 25% of whatever I got. Underneath it said "Standard is 33%." Of course I don't know what the standard is and he could be lying and it could be 10%, but I doubt it and I really like the idea of a lawyer that will actually give a price right out instead of hiding behind bullshit.
So anyway, the insurance adjuster came by when I was sleeping so I didn't answer the door, but apparently he saw the car and decided it was a total loss. He called my mom, who's amazingly good for something, and said he'd give me something like $2,900 to take the car and "total" it (although we all know he'd sell off the parts and possibly make more than that because the insides are still in great shape and it runs well and has a good engine) or I could keep the car and try for repairs and take $2,600.
Obviously I'm doing neither, and will be calling my lawyer-of-choice to set up a consultation. I feel good now that I have actual figures to give him and I can ask him outright if he can do better. Of course there's always the chance he won't even want to take the case, since they don't take cases where they don't smell loads of money, but I'm trying it.
So if the lawyer doesn't take the case and I'm left with the choice, I think I'm going to take the $2,600 and keep the car. Firstly the car only cost me about that much (plus $500 when the brakes got severely fucked and I had to fix them) and secondly it still runs. The insurance guy said nothing about giving me the use of a rental car while he trashes mine and I'm out a car and have to go find a new one, so I'm sure I'd just be going around on foot. So if the lawyer ends up a dead-end, I'll keep the fucker and do minor repairs myself (that is, replace the back brake/blinker lights and such) and just, you know, leave the cosmetic damages alone.
But I think the lawyer will probably take the case, maybe probably. Although I did have a hilarious imaginary scenario where I go to the lawyer and he's like, "Damn right we can help!" and then in several months he finally calls back and says, "HA, twenty-nine hundred dollars, who did they think they were kidding?? We talked those bastards way up from that. Now let's see, with our fees that means you'll be getting about eighteen-hundred. The check should arrive in a week or so. We're so glad to have helped you!" XD
So last time I posted I hadn't checked my mailbox for several days after the accident, and when I did I found it overflowing with letters from lawyers. All with the "OMG CALL US!!!1" and shit. They all have free consultation, of course, and we-no-get-paid-until-you-do, so basically I sorted them into two piles: Maybies and not maybies. Since they mostly all sounded the same, the "not maybies" were basically people who had really shitty font choice. Fonts are important to me. So there.
No but actually I picked one I'm going to try first, because he broke the shit down into little sections, like what the insurance adjuster will do and stuff. Actually giving real information, which was awesome. Furthermore he included a coupon (yeah a coupon, haha!) for 25%, meaning he'd take 25% of whatever I got. Underneath it said "Standard is 33%." Of course I don't know what the standard is and he could be lying and it could be 10%, but I doubt it and I really like the idea of a lawyer that will actually give a price right out instead of hiding behind bullshit.
So anyway, the insurance adjuster came by when I was sleeping so I didn't answer the door, but apparently he saw the car and decided it was a total loss. He called my mom, who's amazingly good for something, and said he'd give me something like $2,900 to take the car and "total" it (although we all know he'd sell off the parts and possibly make more than that because the insides are still in great shape and it runs well and has a good engine) or I could keep the car and try for repairs and take $2,600.
Obviously I'm doing neither, and will be calling my lawyer-of-choice to set up a consultation. I feel good now that I have actual figures to give him and I can ask him outright if he can do better. Of course there's always the chance he won't even want to take the case, since they don't take cases where they don't smell loads of money, but I'm trying it.
So if the lawyer doesn't take the case and I'm left with the choice, I think I'm going to take the $2,600 and keep the car. Firstly the car only cost me about that much (plus $500 when the brakes got severely fucked and I had to fix them) and secondly it still runs. The insurance guy said nothing about giving me the use of a rental car while he trashes mine and I'm out a car and have to go find a new one, so I'm sure I'd just be going around on foot. So if the lawyer ends up a dead-end, I'll keep the fucker and do minor repairs myself (that is, replace the back brake/blinker lights and such) and just, you know, leave the cosmetic damages alone.
But I think the lawyer will probably take the case, maybe probably. Although I did have a hilarious imaginary scenario where I go to the lawyer and he's like, "Damn right we can help!" and then in several months he finally calls back and says, "HA, twenty-nine hundred dollars, who did they think they were kidding?? We talked those bastards way up from that. Now let's see, with our fees that means you'll be getting about eighteen-hundred. The check should arrive in a week or so. We're so glad to have helped you!" XD
Great going so far. And you can call a few of those guys and have them compete with each other.
And something I think others should know. If you have a car, and you think it's worth more than blue book, you CAN raise how much money you get if it gets totaled. I have done this on my Jeep since I have done a crap load of stuff to it. The BB is something like 13K, but if it gets set on fire and burns to a small pile of ash, I'll actually get 16k (3k worth of modification.) Something to think on for those that have done some work to there cars.
And something I think others should know. If you have a car, and you think it's worth more than blue book, you CAN raise how much money you get if it gets totaled. I have done this on my Jeep since I have done a crap load of stuff to it. The BB is something like 13K, but if it gets set on fire and burns to a small pile of ash, I'll actually get 16k (3k worth of modification.) Something to think on for those that have done some work to there cars.
Something similar happened to me about a week ago. Me and my buddy were crusing along, and some drunk burmese fucker ran a red light and T-boned me. He was going 35+ and sent me spinning into the intersection. Just my luck, I had a bong, a bowl, a scale, a shitload of parafanalia, a couple beers (I'm well underage), and about a $15 sack in my car. So I pull my car over to the side of the road, and busy myself with ditching all of the contraband in my car. Then I see this fucker's smashed Jeep Liberty fly past me, and me and my friend take off after him. Somehow my piece of shit Chevy was somehow able to limp after him.
So we follow him into some apartment complex, and he's doing all types of crazy shit like jumping curbs and flying over roundabouts. He nails two other parked cars, and almost fucking hits my car again. At this time me and my friend realize that this guy is obviously fucked up and doesn't give two shits about endangering me or anyone else. Eventually, the convoy of good samaritans who witnessed all this block his ass in, and I get a good distance away from all of this shit that is going down. Me and my friend ditch all the shit (about $100+) and finally walk up to the scene that's going on in front of us. To top it all off me and my friend were baked off our asses. No, not just baked, fucking plastered.
So we walk up and see this guy standing in front of his car, obviously hammered, and I find that he can't speak a word of English. I walk away to wait on the boys in blue and to quell the urge to beat the motherfucker to a bloody pulp. All the other shit that happened after is pretty boring; cops arrest the guy and take everyone's information, and my cars fucking totalled. Thank God for the good people who followed me attempting to help. And now, the guy's insurance company is offering me $650 for this ordeal, enough to buy yet another piece of shit car. But, my mom was nice enough to let me drive her $25,000 Charger in the meantime, which is pretty sweet. The guy got chargerd with DUI, PI, and leaving the scene. Along with having to pay a shitload of reparations, he's pretty fucked. Luckily he hit my passenger door, which could have seriously fucked my friend up, as he wasn't wearing his seat belt. Regardless, he got fucking nailed though.
That was the craziest shit that's heppened to me in a long ass time.
So we follow him into some apartment complex, and he's doing all types of crazy shit like jumping curbs and flying over roundabouts. He nails two other parked cars, and almost fucking hits my car again. At this time me and my friend realize that this guy is obviously fucked up and doesn't give two shits about endangering me or anyone else. Eventually, the convoy of good samaritans who witnessed all this block his ass in, and I get a good distance away from all of this shit that is going down. Me and my friend ditch all the shit (about $100+) and finally walk up to the scene that's going on in front of us. To top it all off me and my friend were baked off our asses. No, not just baked, fucking plastered.
So we walk up and see this guy standing in front of his car, obviously hammered, and I find that he can't speak a word of English. I walk away to wait on the boys in blue and to quell the urge to beat the motherfucker to a bloody pulp. All the other shit that happened after is pretty boring; cops arrest the guy and take everyone's information, and my cars fucking totalled. Thank God for the good people who followed me attempting to help. And now, the guy's insurance company is offering me $650 for this ordeal, enough to buy yet another piece of shit car. But, my mom was nice enough to let me drive her $25,000 Charger in the meantime, which is pretty sweet. The guy got chargerd with DUI, PI, and leaving the scene. Along with having to pay a shitload of reparations, he's pretty fucked. Luckily he hit my passenger door, which could have seriously fucked my friend up, as he wasn't wearing his seat belt. Regardless, he got fucking nailed though.
That was the craziest shit that's heppened to me in a long ass time.
I would love to call your mom and let her read this before loaning you her car...
I realize this isn't B&T but you have NO business driving a fucking car while you're drinking and stoned out of your gourd! I was involved in an accident at the age of 10 in which my father had to receive 47 stitches in his scalp, I spent a week in the hospital under observation because of multiple head wounds (12 stitches in all) and most importantly, my sister was almost killed (spent two weeks in a coma) at the age of 12 having been thrown from the car because a drunk/high STUPID 16 year-old bitch decided to drive on New Year's Eve.
If you haven't completely made that up (which I would prefer honestly) you have a SHIT LOAD of growing up to do!
I realize this isn't B&T but you have NO business driving a fucking car while you're drinking and stoned out of your gourd! I was involved in an accident at the age of 10 in which my father had to receive 47 stitches in his scalp, I spent a week in the hospital under observation because of multiple head wounds (12 stitches in all) and most importantly, my sister was almost killed (spent two weeks in a coma) at the age of 12 having been thrown from the car because a drunk/high STUPID 16 year-old bitch decided to drive on New Year's Eve.
If you haven't completely made that up (which I would prefer honestly) you have a SHIT LOAD of growing up to do!
seyton manning
New member
I'm glad you got T-boned by another drunk driver. You sound like a racist idiot who who got off too easy.
Next time I hope you wrap your car around a tree. :mfinger:
Next time I hope you wrap your car around a tree. :mfinger:
Ya know, this type of shit irritates me. If you're in a car accident, or whatever...fine...get your medical bills paid for, get your car fixed, and get compensation for pain and suffering. Thats all good with me.
But fabricating shit only gets the lawyers richer, and contributes to higher insurance premiums for all. Not cool, IMO.
But fabricating shit only gets the lawyers richer, and contributes to higher insurance premiums for all. Not cool, IMO.