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Unread 01-28-2013, 02:37 PM   #1
Marauder_Pilot
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Got in a small accident, a few questions

So, my week's off to a ****ty start. On my way to work this morning, I looked away for a half second and, when I looked back, realized the (Depressingly clean) XJ in front of me had stopped behind a city van. I couldn't stop or dodge in time, and wound up smacking into his left rear corner.

Totally my fault, gave over insurance, all that. I feel like a *******, since I ruined both a perfectly decent XJ and some poor guy's morning. We both drove away, and both vehicles are still in driveable condition-the XJ's going to need a tailgate and rear quarter, I just need a new foglamp and a new fender flare. No injuries, airbag didn't even go off.

Anyways, is there anything else I should be doing with my insurance because of this? I'm 25, more-or-less clean driving record (Two minor tickets about 3 years ago), have been on insurance continually since I was 16, ect. Any guesses on how much my insurance will go up (Currently paying ~$300/year for liability only)?

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Unread 01-28-2013, 03:11 PM   #2
Budke
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Call your insurance and let them know.
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Unread 01-28-2013, 03:17 PM   #3
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Don't sweat it too much and don't be too hard on yourself...accidents happen. Your insurance shouldn't go up at all given that you've been with the same company for so long with no previous claims. If the ins co. does want to raise your premium, let them know that you'll be shopping around for a new carrier and then shop around. If you find a new/better rate, take it and cancel w/ the curret company and they'll have to refund the pro-rated balance that you've already paid.

Seriously, don't feel sH**ty about it. It could have been a person or dog instead of the XJ. Besides, statistically speaking, you're better off now; the vast majority of fatal accidents involve one or more driver's who've never received a moving violation or been involved in a previous accident.
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Unread 01-28-2013, 03:39 PM   #4
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Quote:
Originally Posted by flying_bosun View Post
Don't sweat it too much and don't be too hard on yourself...accidents happen. Your insurance shouldn't go up at all given that you've been with the same company for so long with no previous claims. If the ins co. does want to raise your premium, let them know that you'll be shopping around for a new carrier and then shop around. If you find a new/better rate, take it and cancel w/ the curret company and they'll have to refund the pro-rated balance that you've already paid.

Seriously, don't feel sH**ty about it. It could have been a person or dog instead of the XJ. Besides, statistically speaking, you're better off now; the vast majority of fatal accidents involve one or more driver's who've never received a moving violation or been involved in a previous accident.
Yeah, it definitely could have been worse, everybody walked away and now I've got a good reason to bite the bullet and buy some MCE flatties. I mean, for me, I'm really only out one of my Hellas, that fender was already beat to hell and rusty as it was. I just feel like a dick because it was a completly avoidable accident, the guy was just sitting in traffic on his way to work and some unobservant jachole comes up and ruins the back end of his Cherokee.

I haven't been with the same company for 9 years, just 4 (Previously, I was on my parent's insurance, since I didn't own my own car then), but I DO have three vehicles on the policy (The Jeep, my old GM pickup and my KLR650), so that gives me a little to work with there. Still, I talked to my adjuster, and she said it probably won't be a huge jump anyways-no injuries, very little damage, cheap vehicles involved and icy roads.
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Unread 01-28-2013, 03:48 PM   #5
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My insurance went up $4 a month for doing $5000 in damage to a Civic.
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Unread 01-28-2013, 03:51 PM   #6
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My insurance went up $4 a month for doing $5000 in damage to a Civic.
Mine went up 6 dollars after TOTALLING this poor guys civic. Granted the accident was his fault, he blew a stop sign and I had the right of way and was doing 40. Civic did a full 360 and all of his airbags went off. I drove my jeep home with a bashed in fender.
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Unread 01-28-2013, 03:57 PM   #7
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Well, that's encouraging. It's be a stretch to total that XJ, and, even if they did, it'd be worth $5000 on a total, at best.
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Unread 01-28-2013, 05:27 PM   #8
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Xj's are unibody so if the rear 1/4 and tailgate are smashed chances are it is totaled. My neighbors 00 was totaled not too long ago with a crushed rear 1/4, tail light and tailgate. They said damage was 4300 after parts and labor.

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Unread 01-28-2013, 09:28 PM   #9
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$4300 wouldn't total it up here, used car prices are INSANE. For reference, someone I know recently sold a stock '01 TJ Sahara with 250,000 KMs for $12,000.
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Unread 01-29-2013, 05:55 PM   #10
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Quote:
Originally Posted by Marauder_Pilot
$4300 wouldn't total it up here, used car prices are INSANE. For reference, someone I know recently sold a stock '01 TJ Sahara with 250,000 KMs for $12,000.
That's what they are selling for that is not the auction value of the vehicle.

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Unread 01-29-2013, 07:36 PM   #11
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Quote:
Originally Posted by Marauder_Pilot View Post
$4300 wouldn't total it up here, used car prices are INSANE. For reference, someone I know recently sold a stock '01 TJ Sahara with 250,000 KMs for $12,000.
Yes it would. $4300 to a not that pricey vehicle that's 13 years old will total just about anywhere. It has to be more than half the cost of a replacement, and that is it according to KBB.

The fact you are a moderator and don't know an XJ is a unibody scares me. Can't just replace the rear quarter, that's serious choppage and labor hours to cut out the bad and replace.

The guy that totaled a neon I drove 10 years ago by running a read light (He was an XJ driver, mid 20's), said that his insurance went up 220% after the accident while we were in court. He had one speeding ticket from when he was 18 on his record. I would make sure your insurance agent has your side of the story before the other persons agent gets in contact. If you haven't already done this, it's too late. You should have done this from the side of the road. I also help you didn't tell him or anyone else in writing or verbally that you admitted fault.
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Unread 01-29-2013, 11:51 PM   #12
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I know the XJ is unitbody. (I also know that unitbody and unibody are two different things, too-did you? )

What I don't know is insurance adjustment and collision repair. We didn't exactly stand around taking estimates.

At any rate, I called my insurance company before they were contacted by the other guy and let them know what happened. So far, haven't heard anything from him.
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Unread 01-30-2013, 08:53 AM   #13
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I wouldn't sweat it. You pay insurance for two reasons. One to cover you and two for them to work for you.
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Unread 01-30-2013, 10:46 AM   #14
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I would be surprised if your insurance didnt go up. Your company now has to pay out for damages, and where do you think part of that money is coming from?
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Unread 01-30-2013, 06:25 PM   #15
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Originally Posted by BeachinXJ View Post
I also help you didn't tell him or anyone else in writing or verbally that you admitted fault.
pretty much everywhere other than michigan a rear ending is always the following driver's fault. no need to admit it, it's autmatic.

and yeah, that xj is almost certainly totaled.
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