flyingiguana Posted November 27, 2014 Share Posted November 27, 2014 Ugh. Just glad I made sure to call the insurance company and set up insurance before my husband drove off yesterday morning. It wasn't like it was a new, new car -- we paid less than 1000 for it, but the thinking was that this would be a dirt cheap 2nd car. And, actually, it's totally driveable after the accident. And no one was hurt. It's just that he ran into another car that was much newer and will cost much much more to put back to its original condition. And his insurance rates now go up. I just need to complain. In a place where he won't have to be embarrassed..... Quote Link to comment Share on other sites More sharing options...
flyingiguana Posted November 27, 2014 Author Share Posted November 27, 2014 Oh, and it sounds like the furnace is going out in the rental house. It's -2 degrees F. And I don't know who will come out to even look at it on Thanksgiving. The day's barely started. Quote Link to comment Share on other sites More sharing options...
Cinder Posted November 27, 2014 Share Posted November 27, 2014 Ugh, so sorry! :grouphug: Quote Link to comment Share on other sites More sharing options...
happi duck Posted November 27, 2014 Share Posted November 27, 2014 (Hugs) Quote Link to comment Share on other sites More sharing options...
scrapbookbuzz Posted November 27, 2014 Share Posted November 27, 2014 {{HUGS}} because it sounds like you might need one! Quote Link to comment Share on other sites More sharing options...
Forget-Me-Not Posted November 27, 2014 Share Posted November 27, 2014 :( oh that stinks. I'm sorry! Quote Link to comment Share on other sites More sharing options...
marbel Posted November 27, 2014 Share Posted November 27, 2014 :grouphug: :grouphug: Quote Link to comment Share on other sites More sharing options...
ashfern Posted November 27, 2014 Share Posted November 27, 2014 :grouphug: Quote Link to comment Share on other sites More sharing options...
Ellie Posted November 27, 2014 Share Posted November 27, 2014 :grouphug: :grouphug: :grouphug: Quote Link to comment Share on other sites More sharing options...
Tap Posted November 27, 2014 Share Posted November 27, 2014 Ugggh. ;0( I hope everyone is okay and that the insurance company will take good care of you. Quote Link to comment Share on other sites More sharing options...
QueenCat Posted November 27, 2014 Share Posted November 27, 2014 :grouphug: I'm glad he is okay. You might get lucky with rates, if you haven't had any other incidents in a while. I know our rates are not affected by the first incident, and they restart every three years. Quote Link to comment Share on other sites More sharing options...
trulycrabby Posted November 27, 2014 Share Posted November 27, 2014 Oh no! I am sorry! :grouphug: Quote Link to comment Share on other sites More sharing options...
UmMusa Posted November 27, 2014 Share Posted November 27, 2014 Oops! Reminds me of a few months ago when we bought a truck at a dealership. DH was reversing out of the parking and hit a pole on the dealership property! It was hilarious. Brand new truck got busted before leaving the dealership. What are ya gonna do. Quote Link to comment Share on other sites More sharing options...
zoobie Posted November 27, 2014 Share Posted November 27, 2014 Oh no! :( :grouphug: Quote Link to comment Share on other sites More sharing options...
wintermom Posted November 27, 2014 Share Posted November 27, 2014 Just out of curiosity, the comment you made about being lucky you got insurance ahead of time, don't you need insurance to get a license plate? In Canada you bring in your insurance with you to get a new license plate or transfer from another vehicle. Without current insurance, no license. Quote Link to comment Share on other sites More sharing options...
fraidycat Posted November 27, 2014 Share Posted November 27, 2014 :grouphug: :grouphug: I hope everything resolves quickly and affordably. Quote Link to comment Share on other sites More sharing options...
flyingiguana Posted November 28, 2014 Author Share Posted November 28, 2014 Just out of curiosity, the comment you made about being lucky you got insurance ahead of time, don't you need insurance to get a license plate? In Canada you bring in your insurance with you to get a new license plate or transfer from another vehicle. Without current insurance, no license. To be honest, I would guess that our liability insurance on our other car would have extended over to this accident, but I would just as soon not have had to worry as to whether that was true or not. I don't know that you have to have proof of insurance, or if you just have to sign a form stating that you have it. The title is not yet transferred on the car. The last owner has signed the form saying he's transferring the title to us, but my husband hadn't got over to the office where the title is to be transferred officially. He was headed over there as one of his errands, but the accident stopped him. And now it's a holiday. It's only the liability insurance that was an issue. This "new" car is 16 years old with 311K miles on it. It was supposed to be a super cheap car that he could go back and forth to work in. And now it's costing us a lot more. Including higher insurance rates. Oh well. No one got hurt. And it really wasn't my husband's "fault" except that he made the mistake of driving on slick streets on a really snowy day. (Although as far as insurance is concerned, it's his fault) Quote Link to comment Share on other sites More sharing options...
Ravin Posted November 28, 2014 Share Posted November 28, 2014 You don't have accident forgiveness on your policy? Quote Link to comment Share on other sites More sharing options...
flyingiguana Posted November 28, 2014 Author Share Posted November 28, 2014 You don't have accident forgiveness on your policy? Yeah, now that this has happened, I'm wondering about this. The rates go back down after 3 years, so I wonder if that would be what you're talking about. Do people have accident forgiveness that kicks in earlier than that? At this point, we have so much insurance tied up with this company that it's going to be difficult to find out if it would be cheaper to go somewhere else. Or if it's even possible (if we're locked in due to mortgages). The one thing I will say for this company is that they pay claims without an argument. They've always been professional about the whole thing. And given how little we're paying for our cars (no collision -- mostly accident free up until now -- high deductible) I wonder if there wouldn't be many companies that could really go much cheaper. Quote Link to comment Share on other sites More sharing options...
Caroline Posted November 28, 2014 Share Posted November 28, 2014 Accident forgiveness with Allstate means that our rates don't go up at all with an accident. Yeah, now that this has happened, I'm wondering about this. The rates go back down after 3 years, so I wonder if that would be what you're talking about. Do people have accident forgiveness that kicks in earlier than that? At this point, we have so much insurance tied up with this company that it's going to be difficult to find out if it would be cheaper to go somewhere else. Or if it's even possible (if we're locked in due to mortgages). The one thing I will say for this company is that they pay claims without an argument. They've always been professional about the whole thing. And given how little we're paying for our cars (no collision -- mostly accident free up until now -- high deductible) I wonder if there wouldn't be many companies that could really go much cheaper. Quote Link to comment Share on other sites More sharing options...
Twigs Posted November 28, 2014 Share Posted November 28, 2014 :grouphug: :grouphug: :grouphug: Quote Link to comment Share on other sites More sharing options...
flyingiguana Posted December 4, 2014 Author Share Posted December 4, 2014 Little update on the insurance aspect of things -- my husband didn't drive on Thanksgiving, so the next day he was out was Friday. And he gets stopped by a cop because one of his brake lights is out. And, you guessed it, because we only just got the car, we don't have proof of insurance for that car yet. My husband was able to show proof of insurance that he was on for another car, but not the one he was driving. Fortunately, the cop took pity on him and just told him to get the light fixed and get something proving he had ins. for the future. But my husband is all upset about everything these days. It's not so nice how a little thing like a fender bender can really have lasting emotional effects. I also did some ins. comparisons on the web and discovered that even with the rise in ins. rates, we're still getting a better deal than anyone else wants to give us -- even when I say we're accident free. I hate ins. rates. And I really don't get them. I can't exactly complain because we look like we're getting a good deal, but why do they have to be so not transparent? Quote Link to comment Share on other sites More sharing options...
Farrar Posted December 4, 2014 Share Posted December 4, 2014 :grouphug: When I was a kid, my father was a bit infamous for this. He crashed new to us cars three times within a week of their purchase. I think it just gets in your head or something. Quote Link to comment Share on other sites More sharing options...
Lolly Posted December 4, 2014 Share Posted December 4, 2014 Just out of curiosity, the comment you made about being lucky you got insurance ahead of time, don't you need insurance to get a license plate? In Canada you bring in your insurance with you to get a new license plate or transfer from another vehicle. Without current insurance, no license. We have a time frame in which the new car is automatically covered under our car insurance. (Something like 30 days?) So, I buy cars and then put them on insurance a week or so later when I get the chance. Quote Link to comment Share on other sites More sharing options...
flyingiguana Posted December 4, 2014 Author Share Posted December 4, 2014 Well, "lucky" in that he didn't have to start questioning whether he was covered on top of the accident in the first place. That at least he knew he was ok in that regard. I feel bad that he still feels so bad about this. But I do understand. I got in a fender bender years ago -- but the cost was minimal to fix and the other party (I suspect) actually didn't have insurance so they didn't want to get insurance involved because it would be a crime at that point (for them) and it was pretty unclear whose fault it actually was -- so we just went with fixing our car ourselves and they took care of theirs. But I still couldn't sleep for nights afterwards because I was so upset about it. Quote Link to comment Share on other sites More sharing options...
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