Accident

[eisenb11]

Originally Posted by SehrSchnell

Just beware though... if you involve your insurance, most likely your rates will go up. But then again, not a huge price to pay for not dealing with this headache.

For moving violations, your insurance shouldn't go up in you're not at fault. Also, in some states like CA, they can't raise your rates if you're both at equal fault (50/50).

Comprehensive claims, generally won't increase your insurance cost until you do a few of them and the insurance company gets sick of giving you money... but you're usually good for 1-2 freebies before this happens.

In this case, this is a moving violation where the other party is 100% at fault - OP should be in no danger of a premium increase.

[Benjjman007]

Let the insurance deal with it and it will all work out. Find a BMW CCRC and your car will be back to factory specs.

[OC3]

Originally Posted by Sean05

DUDE let your insurance handle it, call a lawyer as well.

^This. If it makes financial sense, your own insurance company will screw you.

[FVM3]

sorry to hear that

[bigjae1976]

I would suspect that the insurance company of the guy you hit is trying to pawn off any costs he can.

Just get the police report and call your insurance company.

Did the airbags go off? How bad is the car? I wonder if the guy that hit you will be underinsured...

[M3Luck84]

Originally Posted by bigjae1976

I would suspect that the insurance company of the guy you hit is trying to pawn off any costs he can.

Just get the police report and call your insurance company.

Did the airbags go off? How bad is the car? I wonder if the guy that hit you will be underinsured...

No airbags did not go off. 15k worth of damage. I hope he isn't.

[M3Luck84]

Originally Posted by 08E92M3

Have you attorney obtain a copy of his cell phone record, use the data log to show them what was happening at the time of the accident. Hopefully, you have a police report about the accident. You did call the police, right?

Yup the officer cited the other driver.

[GregW / Oregon]

Originally Posted by ///M Rakete

Let your own insurance company do the leg work. That's why you pay for insurance. It's there not just for when you might be at fault. And no, your rates won't go up for having your insurance company handle an accident for which someone else was at fault. I've been hit and I hit someone, in each case my insurance company handled it. My rates were only affected by whether I was at fault or not.

+1. Don't talk to the other insurance company; let yours do the work. They will work hard to avoid paying out to you.

[rye m3]

Uh, are you driving an M3 or a 328? How old are you?

[positiveions]

glad you are ok
1) Hire a lawyer
2) contact your insurance company and file a claim
3) sit home and do nothing-loss of income (teach the other insurance company a lesson)

[gemini330zhp]

Get the police report and report it to your own insurance company so you can get your car fixed make sure your cars goes to a BMW certified repair place. Let your insurance company worry about who's paying and drive your fixed car and enjoy. Pretty much let your insurance company take care of everything.

[Kiemyster]

Originally Posted by rye m3

Uh, are you driving an M3 or a 328? How old are you?

OP probably has some shitty insurance. OP wont respond to who his insurance carrier is.

This being said, Liberty Mutual FTMFW. Did you know they give great discounts to BMW Car Club Members, and is the BMW preferred insurance? Most people worry about the aftermath of an accident, but god forbid I would have to deploy such resources, I can be confident that they will take care of me.

Its very important to have an agent that you work with from the inception of your insurance contract. You want the relationship to get to the point where you have their cell phone number in the event of an accident. Once you have reached this point, you can generally rest assured that your agent is going to work in your favor, even when his adjuster comes out to "pull your teeth." It never hurts to slip them a 20 every time you see them (how often are you really going to meet your insurance agent? rarely at most)

I apply this same formula with my service adviser at my service center, except sometimes i'll tip him 40 or 50 if its alot of work or if my car requires alot of attention. its the best investment.

[M3Luck84]

Originally Posted by Kiemyster

OP probably has some shitty insurance. OP wont respond to who his insurance carrier is.

This being said, Liberty Mutual FTMFW. Did you know they give great discounts to BMW Car Club Members, and is the BMW preferred insurance? Most people worry about the aftermath of an accident, but god forbid I would have to deploy such resources, I can be confident that they will take care of me.

Its very important to have an agent that you work with from the inception of your insurance contract. You want the relationship to get to the point where you have their cell phone number in the event of an accident. Once you have reached this point, you can generally rest assured that your agent is going to work in your favor, even when his adjuster comes out to "pull your teeth." It never hurts to slip them a 20 every time you see them (how often are you really going to meet your insurance agent? rarely at most)

I apply this same formula with my service adviser at my service center, except sometimes i'll tip him 40 or 50 if its alot of work or if my car requires alot of attention. its the best investment.

I have Geico

[donovan]

Get that motherfuckers ass, fuck him and his insurance hard. Stupid bastard deserves to have high insurance when HE gets in trouble.

Sorry for your vehicle but I really dislike people who cannot drive worth a shit. FUDGEEEE, ok I am done

[VegasEgg]

Originally Posted by M3Luck84

No airbags did not go off. 15k worth of damage. I hope he isn't.

Sorry to go off topic but I was in a accident back in Jan. I was the first car in the lane, the light turned green i started to pull forward and a lady ran a red trying to make the light and smacked right into me. I had plenty witnesses and the cop wrote the lady a ticket for being 100% at fault. I contacted an attorney since I was injured. The lady was under insured and only covered for 10k in vehicle damages and 15k in medical. My car was totaled out and I still got 22k for my Lexus and her insurance company is going after her for the other 12k. My medical was more than 15k so that's where my underinsured coverage in my insurance kicked in.

Hopefully you weren't injured at all but if you were get an attorney (a reputable one) and even if the kid has minimum coverage hopefully you have decent uninsured/underinsured coverage in your policy. If you have witnesses make sure you let your insurance company know

[bmwproboi05]

Go to the police station complain about what happen with that one guy. If you remeber when the accident happen you can get a lawyer to pull the guys phone record to show that he was texting within that time frame. Then shove it in the insureance faces

[stefan]

Weird.. usually when one car has side impact damage and the other has large front end damage and it's an obvious intersection, typically it's an easy case for the insurance company. Not sure how they can avoid 100% responsibility.

[Small Yellow]

I highly doubt texting while driving will ever stop. They need voice to text messages and messages to voice for all phones imo. Not the best solution but at least it would bring texting while driving down.

[///My5UV]

Originally Posted by HuangYiChao

I highly doubt texting while driving will ever stop. They need voice to text messages and messages to voice for all phones imo. Not the best solution but at least it would bring texting while driving down.

Or... hang up and drive mofo!

If a message is so freaking important to send or read, then it's important enough to stop for.

[E90E]

You can prove he was texting, insurance company call pull phone records and you will have time of texting matching with time of incident.

Do it.