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Originally posted by Cris'pus:
Should I wash the car before the adjuster sees it? This way he can acurately see and photograph the damage... 
Nope, definately do not do that. ICBC told me not to touch the area at all.
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Originally posted by ODC:
Did you keep a camera around to record the incident ?
You got his name, address, license plate is the most important right ? Call ICBC now and file a claim. that kid is gonna be in huge [censored] if he didn't have a license and he nailed you.
When I got rear ended, the [censored] who did it tried to write it off and deny it, he changed his tune when I started taking pictures with the disposable camera I keep in my glove box all the time.
Yeah, I got pictures of his and mine, but not at the scene but where I caught him. I got the info and icbc gots the info too.
I don't understand the whole denying part either. His friend (who is obviously ill-informed) thought that I should blame it on Him and not his unlicense friend so there's less consequences. In simple terms....LIE. Hmmmm, let's see, how does that benefit ME? Especially if I get caught? 
It goes under the spotlight at 1.30 today
1992 Ford Escort LX-E
-Tracer LTS spoiler
-GT Grille
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The kid had no DL, therefore he was not insured. You will be dealing with your insurance company only, & you may need to get legal help & possibly sue the kid/parents for additional monies to fix your car. Unless your company is waaay big time cool about this, you're gonna have to sue or be in a world of hurt. 
Must be that jumbly-wumbly thing happening again.
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FYI, ICBC (Insurance Corp. of British Columbia) is run by the provincial government.
Their claim adjusters are usually fair and you can pick whatever autobody shop you want to take your car to.
Ken
2004 Mazda 6 Sport Hatchback, Silver
90 Mustang GT (DECHed)
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Originally posted by TourDeForce:
The kid had no DL, therefore he was not insured. You will be dealing with your insurance company only, & you may need to get legal help & possibly sue the kid/parents for additional monies to fix your car.
Unless your company is waaay big time cool about this, you're gonna have to sue or be in a world of hurt.
you dont need any legal help. thats what the insurance company is there for. you are their customer and they will fight for you in a case of he said she said. your insurance will go after his insurance to pay. if he is excluded, they wont pay. then your insurance will pay but may charge you a deductible, unless you have uninsured motorist coverage. (i have no clue what canada offers). if you have to pay for anything, then you can go after his parents, or him, in small claims to recover it. such as deductible or whatever.
dont worry, adjusters see sh*t like this everyday. they know how to sort sh*t out even when BOTH parties are lying. theyll believe you because youre older and have a good record (i presume) in other words, responsible. they see him as already lying by driving illegaly. credibility has a lot to do with it.
**ps word of advice to everyone** keep a disposable camera in your glove box for instances such as this. if you get in an accident, do NOT move the cars, if possible, until you take pictures of them sitting there.--this is excellent advice i was given by an adjuster. adjusters can tell by the positioning of the car how the accident happened and who is at fault, typically. usually people move the cars to the side and then discuss, then it makes it more difficult cuz the adjuster will have to go by strictly verbal accounts and just looking at the damage. (a bit of CSI involved)
Originally posted by Tourgasm:
Sometimes you can mess up a word so bad that spell check doens't know what the hell you're talking about.
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Originally posted by svt4stv:
Originally posted by TourDeForce:
The kid had no DL, therefore he was not insured. You will be dealing with your insurance company only, & you may need to get legal help & possibly sue the kid/parents for additional monies to fix your car.
Unless your company is waaay big time cool about this, you're gonna have to sue or be in a world of hurt.
you dont need any legal help. thats what the insurance company is there for. you are their customer and they will fight for you in a case of he said she said. your insurance will go after his insurance to pay. if he is excluded, they wont pay. then your insurance will pay but may charge you a deductible, unless you have uninsured motorist coverage. (i have no clue what canada offers). if you have to pay for anything, then you can go after his parents, or him, in small claims to recover it. such as deductible or whatever.
That's pretty much what I just said...
Must be that jumbly-wumbly thing happening again.
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In British Columbia, there is only one Insurance company (ICBC). It's a crown (provincially subsidized) corporation so I doubt you can sue anybody in this situation.
Cris'pus will probably get it looked at, ICBC will send adjustors to the other car, see if the damage and stories match up, if they do, or they rule in Cris'pus's favour, they'll give him an estimate and he goes to repair his car.
The only way I think you would be able to sue is if there was bodily harm inflicted.
I don't know about the other kid though, probably he'll be marked so he'll have to pay double the premiums when he insures, he'll be suspended until notice for his license.
Most likely the other vehicle is insured with third party liability, so the owner's of the other car will just see their insurance premiums go up if they didn't report the car as missing or stolen.
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Originally posted by ODC:
Cris'pus will probably get it looked at, ICBC will send adjustors to the other car, see if the damage and stories match up, if they do, or they rule in Cris'pus's favour, they'll give him an estimate and he goes to repair his car.
Of which they didn't, why am I not surprised
Quote:
I don't know about the other kid though, probably he'll be marked so he'll have to pay double the premiums when he insures, he'll be suspended until notice for his license.
Well, ICBC said that if charged under criminal code, he'll have to pay out of his own pocket the all damages for both cars and all medical bills incurred. If not charged under criminal code, then I think just his car damages.
I won't have to pay for the deductible IF they other adjuster, for the other car, agrees it was 100% his fault. Which I'll know in a few days. Man, that lady at ICBC sure was helpful 
1992 Ford Escort LX-E
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Originally posted by Cris'pus:
Well, ICBC said that if charged under criminal code, he'll have to pay out of his own pocket the all damages for both cars and all medical bills incurred. If not charged under criminal code, then I think just his car damages.
dude, that blows. what it the other driver doesnt have any money? youre screwed?  you should run for office in your province(?) and push for car insurance reform. 
Originally posted by Tourgasm:
Sometimes you can mess up a word so bad that spell check doens't know what the hell you're talking about.
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My SVT was recently hit by an uninsured motorist and driving with a suspended license. I was rear ended on the highway at a dead stop because of a car stopped in the middle of my lane. I stopped in time but he didnt. He caused major front and rear damage. My insurance paid for everything to fix the car, they then went after the motorists for the money. It came to a total of $6,500 in damage. I didnt pay a cent.
Dont worry, your insurance company will work with you on this. BTW, most likely, your insurance will not cover any aftermarket parts, unless you have added it to your coverage. The body shop that it is brought to will replace with factory parts. Also, go to the doctor, wether anything happened to you or not. This is just to get it on record so that if any future health issues show up that may relate to it, it is on record that you were in an accident and if its related to the accident, the insurance will have to cover it.
Not to mention that a few months after the accident, a received a pretty decent amount of money for "pain and suffering" on top of the $6,500 already paid out to fix the car. I received $1000, my brother who was in the car received $1000 also, and my friend who was in the front passenger received $500.
Good luck
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