Car totalled...help!!

[JRSC00LUDE]

Not sure I'd agree that the damage isn't pretty extensive. My Xtrail got hit last year when it was parked (no frame damage, no airbag deployment, no suspension damage etc.), it didn't look as bad as those photo's do and the damage tally was over 14K.

[rc2002]

I'm not an appraiser but that's pretty extensive in my books. I wouldn't feel comfortable driving a car after being in an accident like that.

I have my reservations that a body shop would be able to repair it and have it look exactly like it did before. Most people with an eye for detail would be able to see any misaligned panels or color differences instantly.

If it were me, and insurance decided to repair it, I would sell the car the day it came back from the body shop.

[EclipseZlibra]

Originally posted by richardchan2002


You paid $21k for a 5 year old civic? You can walk away with a brand new civic (albeit a base model for that much). It'll be up an uphill battle trying to come out even here.

it is an SIR Civic.. with mods.. that car was worth the dollar.. or more... i sold them the car..

[EclipseZlibra]

Originally posted by Masked Bandit


"gap" insurance or "waiver of depreciation" is only available on brand new or demo vehicles.

or leased vehicles..

[EclipseZlibra]

andrea let me know if they write that car off.. it should be by the look of the damage.. btw this is Todd..

[euro tang]

I can't believe I didn't notice this thread till now.

I went through the exact same thing around 6 years ago! I let a guy test drive my car around the block and he ended up driving through a house within 30 seconds .

In the end, he got a reckles driving ticket and my insurance covered all the damages. I got a check for my car but my but my insurance went up.

That was one of the worst mistakes of my life, lesson learned.

I'm sorry but there's nothing you can do but bend over.

And this goes for everybody, DON'T EVER LET ANYBODY DRIVE YOUR CAR!!!

[Daan]

no, as the transfer of keys from the bf to the driver implies an understanding of consequences on the bf legal side

Originally posted by 5hift
Does the fact that everyone else in the car could state the driver was driving dangerously and not listening to those responsible for the car telling him to slow down, would that have any bearing?

[Archea]

Originally posted by EclipseZlibra
andrea let me know if they write that car off.. it should be by the look of the damage.. btw this is Todd..

Will do. Although now with my insurance going up so much I think we are going to have to replace it with a friggen....like. cavalier

Seriously....

I talked to the driver and he still wont commit to anything. But there is a possibility he will settle with me on the side still. He realizes even if this isnt settle financially I will make his life a living hell for a long ass time.

[Archea]

Originally posted by EclipseZlibra


it is an SIR Civic.. with mods.. that car was worth the dollar.. or more... i sold them the car..

Also I paid 17995 for the car....plus all the financing charges through the dealership...plus yadda yadda...plus extra set of rims and wheels....

Plus not to mention...How many people see SIRs with the Mugen body style? we paid for originality and a car that doesnt have alteeza lights and a bunch of primed ugly ass mesh fenders on a civic....

I will post up before pictures so you can all see the gorgeous condition before the crash.

[Masked Bandit]

Originally posted by EclipseZlibra


or leased vehicles..

I'm guessing that goes through the leasing company then (assuming you are talking about used cars)?

[anarchy]

Originally posted by JRSC00LUDE
^

Yup, had to add that one to the sig for a couple days! (no offense)

You should quote his entire post.

[403Gemini]

Originally posted by Masked Bandit


I'm guessing that goes through the leasing company then (assuming you are talking about used cars)?

I know we carry a 43R and a 43L endorsement

43R is for financing vehicles and 43L is for leased (same thing pretty much, just gst isnt covered and a few other minor exclusions)

[Tik-Tok]

Originally posted by Maddog55

I don't know how it works here...but in BC, if you wreck your car or anyone elses and you're charged with impaired...insurance will not cover you. You have to pay it out of your own pocket.

Depends on the insurance company, and your history with them.

Years ago, a friend was drunk (VERY drunk), doing 120 on Macleod, and hit a car at stopped at red lights in front of Chinook. His insurance paid for it. (his family had been with Allstate for 20 years though). Though the sucker did end up paying an $8000 legal bill trying to fight the DUI charges . Karma, baby, Karma.

[Archea]

Originally posted by Tik-Tok


Depends on the insurance company, and your history with them.

Years ago, a friend was drunk (VERY drunk), doing 120 on Macleod, and hit a car at stopped at red lights in front of Chinook. His insurance paid for it. (his family had been with Allstate for 20 years though). Though the sucker did end up paying an $8000 legal bill trying to fight the DUI charges . Karma, baby, Karma.

Also DUI is different then being a jackass

[Takahashi]

this is what happens when you have an idiot boyfriend....

[Archea]

Originally posted by Takahashi
this is what happens when you have an idiot boyfriend....

Actually me having an idiot bf would have had him get behind the wheel himself

[Takahashi]

Originally posted by Archea


Actually me having an idiot bf would have had him get behind the wheel himself

or been smart enough to take a cab rather then have his idiot friend total YOUR car....

[ralliart_girl]

Actually, in Alberta, there is an Absolute Liability Clause. Basically means that, an insurance company has to pay out to an innocent party, even if their insured had done something to breach the policy.

If their insured has collision coverage, then they would just deny the drunk person, but not the vehicle that was obviously not at fault.

Originally posted by Tik-Tok


Depends on the insurance company, and your history with them.

Years ago, a friend was drunk (VERY drunk), doing 120 on Macleod, and hit a car at stopped at red lights in front of Chinook. His insurance paid for it. (his family had been with Allstate for 20 years though). Though the sucker did end up paying an $8000 legal bill trying to fight the DUI charges . Karma, baby, Karma.

[403Gemini]

Originally posted by Takahashi

or been smart enough to take a cab rather then have his idiot friend total YOUR car....

Hi welcome to page 4, pretty sure we got this message accross on pages 1 & 2. thanks!

[Archea]

Originally posted by 403Gemini


Hi welcome to page 4, pretty sure we got this message accross on pages 1 & 2. thanks!

Its ok. He is a friend of my ex bf's lol...so I kinda get his pov. Plus trust me...I know it was dumb on my part, but when you have been dating someone for 10 month and live with them...generally you expect better judgement