WHAT MADE YOU GRIMACE & GRIT YOUR TEETH TODAY?

Oooh.

OK.

I think I'll try to get to urgent care, then. Sozlet's due home in a bit (someone else is dropping her off) so I have some things to coordinate, then will try to get there.

Keep advice coming if you have any.

0 Replies

I'm glad, soz, that you'll follow the given advice! Keeping my fingers crossed that all is okay.

(Why do you get the idea that your premiums might get up? Premiums from the car insurence? That would be impossible here.
Health insurence? )

0 Replies

Car insurance.

I was in an accident about 5 years ago (that totaled my car and which is probably part of my emotional reaction to this one) that was ambiguous. It took place in an area that looked like a regular road but was actually a parking lot. The "road" had badly-placed stop signs, that had contributed to several other accidents before mine (and which was completely rebuilt shortly after my accident, for safety reasons). I seem to remember when the whose-fault-is-it stuff was being debated that even if it was determined to NOT be my fault at all, my insurance would still be adversely affected. I'm not sure, though.

0 Replies

Soz ...... you might want to call your insurance company to get a claim started. Some insurance companies only give you so many hours to do this. Even if the car is not damaged........there is still the unknown issue of whiplash. They'll need a claim to take care of the bills and go after his insurance company.

0 Replies

It was a her, actually.

Again, if I get a claim started, I'm kind of locked into something, aren't I? I mean, I've indicated that an accident happened. This really might not have been a big deal.

0 Replies

Just report the accident to your insurance company and give them your side of the story. Were the police called? Was there damage to the other vehicle? Be careful, soz. There are people out there who will twist facts.

0 Replies

Boy I don't know if it's a good idea for you to take it as not being a big deal. I have a friend that got hit from behind months ago and she's still in treatment off and on. She didn't think it was big deal either and most of her problems cropped up a few days later.

From what you've said, I really don't think it's your fault.

0 Replies

The police weren't called, no.

There wasn't damage to the other vehicle.

0 Replies

There's no way this one was my fault. I was stopped at a red light -- there were cars ahead of me. (As in, it couldn't have been that the light turned green and I didn't know about it, or anything.) She just plowed into me is all.

0 Replies

Then you have nothing to worry about. I think your only worry will be if you don't file a claim and on down the road you have issues with your back or neck. That can get costly in a hurry with no claim, and it's coming out of your pocket.

Just take care of yourself and try not to minimize any symptoms you are having or that might come to be.

0 Replies

Here we go. This is the kind of thing I'm concerned about:

Quote:

You were sitting at a red light and someone rear-ended you. It wasn't your fault, so why the heck did your insurance premiums go up? Chances are you're insurance company is penalizing you for an accident or traffic violation that may have happened months or years ago.

If you have a spotless driving record, it is highly unlikely that your premiums will increase after an accident that wasn't your fault. However, if you have just one related traffic violation, or fender bender prior to this no-fault accident, then you will probably see an increase in your rates. The length of time varies from company to company. So, if you were an accident that was your fault two or three years before this no-fault accident, the insurance company might consider you "accident-prone" and increase your rates. The length of time between accidents varies from company to company.

http://www.carinsurancerates.com/news/18-why-did-my-rates-go-up-after-an-accident-that-wasnt-my-fault.html

0 Replies

(Thanks much for all of the thoughts and advice, guys. E.G. is especially stressed out himself right now -- work stuff -- and I'd like to figure out as much of this as I can on my own. He knows about it [emailed him first before posting here] but I would like to do the figuring-out part if I can.)

0 Replies

Just looked up the person who crashed into me -- she's a lawyer. "personal injury including auto, motorcycle and trucking accidents"...

0 Replies

Thanks, soz. (Traffic violations have nothing at all to do with car insurances here - if another car isn't/hasn't been damaged, that is.)

0 Replies

sozobe wrote:

Just looked up the person who crashed into me -- she's a lawyer. "personal injury including auto, motorcycle and trucking accidents"...

Omg.....how ironic is that!

Soz..do you know your insurance agent well? Maybe you can call him/her up and not file anything. Just get some answers.

0 Replies

A lawyer? Then absolutely, positively get info to your insurance company
right away and get your self checked out. Any witnesses?

0 Replies

sozobe wrote:

Here we go. This is the kind of thing I'm concerned about:

Quote:
You were sitting at a red light and someone rear-ended you. It wasn’t your fault, so why the heck did your insurance premiums go up? Chances are you’re insurance company is penalizing you for an accident or traffic violation that may have happened months or years ago.

If you have a spotless driving record, it is highly unlikely that your premiums will increase after an accident that wasn’t your fault. However, if you have just one related traffic violation, or fender bender prior to this no-fault accident, then you will probably see an increase in your rates. The length of time varies from company to company. So, if you were an accident that was your fault two or three years before this no-fault accident, the insurance company might consider you “accident-prone” and increase your rates. The length of time between accidents varies from company to company.

http://www.carinsurancerates.com/news/18-why-did-my-rates-go-up-after-an-accident-that-wasnt-my-fault.html

I'm wondering about that right now.

With my first insurance company I went 24 years without a claim.

Then, a few years ago I changed to an insurance company contracted by my credit union.

Only a couple of years later:

a. I got rear-ended at a red stoplight. I assume they got the money back from the company of the person who hit me, but still.....

b. My car was stolen a couple of months later, and, while it was recovered, it was written off.

I changed insurance companies because I was VERY unhappy with the service when the car was stolen.

A couple of years later, I have my first ever accident that was my fault!

All that can't look good.

Soz, I really agree that you need to inform your insurance, and go to a doctor and record that you were checked out medically.

Heaven forfend that you should ever be making a claim, but those damn rear-enders (I've been smashed into 4 times...twice in company vehicles...once really badly) can really muck your neck about.

And it IS 100% her fault...(though with lawyers.... Rolling Eyes

)

0 Replies

No witnesses, no.

The car seems totally fine. At first I noticed nothing amiss at all. (It's almost 10 years old, it's got various scratches and dings, but I didn't notice anything new.) Just went back out and examined it carefully and did see some faint markings that looked like they could have come from her bumper.

So far all I have is:

1.) Extremely faint black markings on bumper, no other damage to car.

2.) A somewhat sore neck for a few minutes afterwards and some back twinges that haven't recurred.

I want to find the balance between not making a mountain out of a molehill and erring on the side of caution.

0 Replies

JustBrooke wrote:

Soz..do you know your insurance agent well? Maybe you can call him/her up and not file anything. Just get some answers.

That's an interesting idea. So far E.G. has had all the dealings with him but he does know our agent pretty well. And they've had some conversations about things without filing claims before -- like we had hail damage on the roof and he explained that the conditions that needed to be met to get coverage for a new roof were really strict and we were probably better served in not filing the claim (and then ending up not getting coverage).

I'll suggest that to E.G., thanks.

0 Replies

Yikes, soz! I was rear ended years ago. It was very late at night and I was alone. He was a man driving a truck in GA. I said I was fine and left. I had seen stars and seemed fine afterwards. But for years after that (and still) I had neck problems.

Get yourself checked. Document everything. Make all the necessary calls.

0 Replies

WHAT MADE YOU GRIMACE & GRIT YOUR TEETH TODAY?

Quick Links

My Account

able2know