A Truck Hit My Car :( will it be written off?

[Killa From Manila]

soo...why did you merge inbetween a semi trailer and another car. dont you know how long it takes a truck to stop.

[curtis265]

soo...why did you merge inbetween a semi trailer and another car. dont you know how long it takes a truck to stop.

not the time and place for this

[androo]

soo...why did you merge inbetween a semi trailer and another car. dont you know how long it takes a truck to stop.

Very true... Especially if you then brake abruptly due to a red light.

OP, if you currently have your car, part it out now. Take all your parts off especially your super charger as this is a bit of a gray area ragarding your claim. No damage to the kit whole have been done during this accident so you can make some money back anyway.

For everyone who is bagging out the OP regarding not getting full insurance, pull your head out of your arse. First of all this accident was technically not his fault and therefore besides convenience reasons, comprehensive insurance is irrelevant. Secondly, both comprehensive and third party insurance would be void if the OP is not allowed to drive a supercharged or turbocharged car (OP can you confirm?).

Regardless, most people cannot comprehend spending upwards of $3000-4000 a year to insure a car worth less than $10,000-$12,000. In only 2 years the OP has almost paid the value of his car for 'insurance'. In this case, almost all but the worse accidents can be repaired using the $4000 premium the OP would have to pay for a years cover. Does this make sense to anyone?

OP, DW when I was the same age as you and was quoted $3,400 to insure a $4000 Integra VTi-R (market value)............ But some idiots out there think we should pay this amount. Worse case scenario, if I crash into someone 3rd party ($700) pays for their damage, and if my car is a total wreck I can go buy another car from the money I would have spent on full insurance.

Also, if our premiums are $4000, please don't talk about adding 'agreed value' on top of this... Then it would just get ridiculous... Everyone assesses the value of insurance vs their own position and while some people make very stupid decisions ($50,000-80,000 car, no insurance), in cases where the car has little value and full insurance is extremely high, it doesn't make sense. Especially when you're talking about your own money and not your mummy and daddy's.

[Bludger]

Very true... Especially if you then brake abruptly due to a red light.

OP, if you currently have your car, part it out now. Take all your parts off especially your super charger as this is a bit of a gray area ragarding your claim. No damage to the kit whole have been done during this accident so you can make some money back anyway.

For everyone who is bagging out the OP regarding not getting full insurance, pull your head out of your arse. First of all this accident was technically not his fault and therefore besides convenience reasons, comprehensive insurance is irrelevant. Secondly, both comprehensive and third party insurance would be void if the OP is not allowed to drive a supercharged or turbocharged car (OP can you confirm?).

Regardless, most people cannot comprehend spending upwards of $3000-4000 a year to insure a car worth less than $10,000-$12,000. In only 2 years the OP has almost paid the value of his car for 'insurance'. In this case, almost all but the worse accidents can be repaired using the $4000 premium the OP would have to pay for a years cover. Does this make sense to anyone?

OP, DW when I was the same age as you and was quoted $3,400 to insure a $4000 Integra VTi-R (market value)............ But some idiots out there think we should pay this amount. Worse case scenario, if I crash into someone 3rd party ($700) pays for their damage, and if my car is a total wreck I can go buy another car from the money I would have spent on full insurance.

Also, if our premiums are $4000, please don't talk about adding 'agreed value' on top of this... Then it would just get ridiculous... Everyone assesses the value of insurance vs their own position and while some people make very stupid decisions ($50,000-80,000 car, no insurance), in cases where the car has little value and full insurance is extremely high, it doesn't make sense. Especially when you're talking about your own money and not your mummy and daddy's.

need to talk to you.

[WATAJK]

soo...why did you merge inbetween a semi trailer and another car. dont you know how long it takes a truck to stop.

This.
Not having a go at you OP but i drive trucks for work and i can't stand it when people go infront of me to gain one spot infront just to see how quick they can move up in line...
What you must be aware of... A semi isn't going to stop for you always.

By the way, i just remembered, you better hope he didn't film you, most truckies now have camera's recording constantly whilst there driving to show stupid antics of other drivers and to show how they aren't at fault and that it's generally a driver who has cut them off.
So if you are telling the truth which im assuming you are, you should be fine but if your pulling strings here, you'll get torn a massive new a-hole if he has caught what you've done on camera.

Hoping the best for you mate.

the issue Androo's talking about is you not being covered @ all because you're not entitled to drive your car with the supposed modifications you have.

But if he's not at fault then a claim should be processed regardless because insurance companies (when third party and not at fault) will not look for things to void his insurance as he wasn't the one who caused the accident (assuming).
They will be assessing to see at first if they can void the truckies insurance if he has an unroadworthy truck etc.

I do agree on the matter that if he has heavily modified his car, regardless, full comprehensive is a must.
Each to there own, i originally didn't have full comprehensive in my first year of ownership of my DC5 but now have had it for 2 years.
You do feel alot more comfortable driving.

Feel free to say other wise.

[Bludger]

But if he's not at fault then a claim should be processed regardless because insurance companies (when third party and not at fault) will not look for things to void his insurance as he wasn't the one who caused the accident (assuming).

mate.

WATAJK


if he's not following the law by driving a vehicle he's not meant to be, it's his fault regardless.

watajk

[WATAJK]

mate.

WATAJK


if he's not following the law by driving a vehicle he's not meant to be, it's his fault regardless.

watajk

Your an absolute turd considering i only quoted and replied kindly.
He's driving a vehicle he's not meant to be mate, yes, then again he never caused the accident.
Details were exchanged, he won't have any problems with his own claim as he isn't fault.
If he caused the accident then his insurance would be void because he's driving a vehicle he shouldn't be.

THE only way they would have voided him (regardless if at fault or not) was if the police were called and he was issued a penalty notice that said he was driving a car not within his limits.
If the police were called and no notice was given then im sure this will be resolved with no problems towards OP provided he isn't at fault.

Don't like my answer to bad.
You mad bro?

[akjdfnn]

mate.

WATAJK


if he's not following the law by driving a vehicle he's not meant to be, it's his fault regardless.

watajk

not true bruv. when you buy an insurance policy, you agree to the T's and C's, and it's implicit you tell them the truth. With any insurance policy, your asked specifically "Have you provided us true, and accurate information to the best of your ability" etc. You MUST agree to do this or they will not offer you an insurance policy. If he has lied to his insurance provider, regardless of who is at fault, whether the mods have contributed to the accident or whether the mods are legal or not, his insurance policy CAN be nullified.

That said, if he only has 3rd party, HIS insurance company has no responsibilities to him in this instance anyway. As he is not at fault, he will be dealing with the truck drivers insurance company only. If the police were called, they would have taken photo's and determined who was at fault. Obviously it was the truck driver, if you hit sum1 from behind, you have not left yourself enough time to stop, and this is categorised at negligent driving, and he will be charged with that offence, and as he will be determined at fault, his 3rd party insurance policy will cover the damage caused to the integra (or whatever action they take based on the assessment).

The owner of the integra could have been issued with penalty notice at the scene for driving a banned vehicle, or given defect notices for non-compliance, but it would not have affected who was at fault in the accident, and therefore, who is liable to pay for the damages.

the car i hit took off, he looked at his ea falcon and just said looks fine to me, and took off lol

^^he can probably be charged with negligent driving for this, leaving the scene of an accident without exchanging details is an offence.

Stock car is worth 10K - Highly modified car is worth......10K.

Very true, +it's x50 harder to sell.

My advice to op is to take off anything thats illegal., so probly all your mods. Better to be safe than sorry, regardless. It's also a good idea because if they write off your car they will take it, audio gear/mods and all, and you wont get them back, and if you can you will be paying for them.

They damage doesn't look bad, but on most newish japanese cars it doesn't have to look bad for there to be real damage underneath. The assessor WILL look behind your engine, and they will see the supercharger. (If they're doing thier job correctly, that is. They need to determine if the car is safe to drive, i.e inspect engine mounts, exhaust mounts etc). That said, whether or not an assessor will know a supercharger when they see one, is another matter. On top of that, there is a good chance they won't know your a p plater, unless you keep your p's on your car when they come.