Equipped To Survive Equipped To Survive® Presents
The Survival Forum
Where do you want to go on ETS?

Page 3 of 5 < 1 2 3 4 5 >
Topic Options
#109810 - 10/24/07 12:08 PM Re: Survived a car crash [Re: airballrad]
Blast Offline
INTERCEPTOR
Carpal Tunnel

Registered: 07/15/02
Posts: 3560
Loc: Spring, Texas
Hey, welcome to the fire airballrad! Note: I'm never going to ride with you in a car. grin

-Blast
_________________________
Blogging the Borderlands
Wild Edibles Blog
I miss OBG.

Top
#109829 - 10/24/07 02:53 PM Re: Survived a car crash [Re: airballrad]
OldBaldGuy Offline
Geezer

Registered: 09/30/01
Posts: 5695
Loc: Former AFB in CA, recouping fr...
Welcome Newguy!!!
_________________________
OBG

Top
#109886 - 10/24/07 09:44 PM Re: Survived a car crash [Re: Blast]
airballrad Offline
Gear Junkie
Enthusiast

Registered: 10/22/07
Posts: 243
Loc: Gulf Coast Florida, USA
Thanks, Blast!

My wife is only just now letting me drive her minivan again...

With the exception of her van and my new car (4 months old), I have been hit in every car (and house) I've owned. It may just be the natural result of my long commute, but I still reserve the right to be paranoid... eek
_________________________
EDC Bag | PSK

Top
#109902 - 10/24/07 11:26 PM Re: Survived a car crash [Re: airballrad]
Susan Offline
Geezer

Registered: 01/21/04
Posts: 5163
Loc: W. WA
"My uncle, who is a retired police sargeant, has told me to never contact my insurance company about an accident when the other guy is at fault, unless the other guy's insurance plays hardball. He said that your insurance company can hold your claims against you even if they never pay out a dime. I don't know if he is correct or not, but it is now something I avoid unless the at-fault driver tries to weasel his way out... "

Your uncle is wrong. Maybe it used to be like that, but not now. Now the insurance companies have C.L.U.E. (Comprehensive Loss Underwriting Exchange). All the insurance companies report to CLUE, and all of them buy information from them.

All incidents are reported and show up on the record. If you're a victim of adverse underwriting (aka high premiums) because of a not-at-fault incident, it's up to you to explain it and get your insurance company to confirm it. You had an accident and didn't report it? They're probably going to view you as a bad-risk, scum-sucking, lying loss-waiting-to-happen. And that means high premiums.

I believe this CLUE is also tied up with your credit report. Your premiums will be higher if you have a low credit rating, and vice versa. I think it stinks, and I think it should be illegal, but no one has ever asked for my opinion.

Actually, hardly anyone ever ASKS for my opinion. They get it, but they don't ask for it... grin

Sue






First, everything is reported as an incident, then maybe an accident, then maybe a claim. Even if unattended by the police, I think by law you're suppose to report all vehicle property damage losses in excess of $500 to law enforcement.





Top
#109917 - 10/25/07 01:07 AM Re: Survived a car crash [Re: Blast]
aloha Offline
Old Hand

Registered: 11/16/05
Posts: 1047
Loc: Hawaii, USA
Originally Posted By: Blast
Hey, welcome to the fire airballrad! Note: I'm never going to ride with you in a car. grin

-Blast



Blast, what's wrong with riding the white knuckle express?


Edited by aloha (10/25/07 01:08 AM)
_________________________
---------
http://hanzosoutdoors.blogspot.com/

Top
#109919 - 10/25/07 01:13 AM Re: Survived a car crash [Re: Susan]
airballrad Offline
Gear Junkie
Enthusiast

Registered: 10/22/07
Posts: 243
Loc: Gulf Coast Florida, USA
Thanks, Sue. I did not know that.

In fact, I have had only one of my accidents happen since his "advice", and in that case the at-fault driver lied to his insurance company about the cause of the collision so I had to involve my insurance anyway. I was surprised that they fought it; it is darn near impossible (in my state at least) to prove blame on the recipient of a rear-end collision. He even wanted me to pay for the pain I inflicted on him when he rear-ended me.

I felt bad for the kid at the time of the accident, he was pretty dazed, and it was his mother's car. I was also amazed at the people who immediately helped him out of his car; I wouldn't touch him as the car was not burning and he was able to communicate that he was OK.

Also (belatedly), I am glad to hear that you are OK, aloha. While my misfortunes have been many in this respect, mine have all been low-speed, no-injury collisions.
_________________________
EDC Bag | PSK

Top
#109920 - 10/25/07 01:16 AM Re: Survived a car crash [Re: aloha]
airballrad Offline
Gear Junkie
Enthusiast

Registered: 10/22/07
Posts: 243
Loc: Gulf Coast Florida, USA
Originally Posted By: aloha
Originally Posted By: Blast
Hey, welcome to the fire airballrad! Note: I'm never going to ride with you in a car. grin

-Blast



Blast, what's wrong with riding the white knuckle express?


Aww, come on now...

I have not done any of the hitting in my adventures, and I will have you know that I have never had a speeding ticket that did not get thrown out of court *knocks on wood*. I just drive invisible cars, it seems... confused
_________________________
EDC Bag | PSK

Top
#109927 - 10/25/07 02:07 AM Re: Survived a car crash [Re: aloha]
Blast Offline
INTERCEPTOR
Carpal Tunnel

Registered: 07/15/02
Posts: 3560
Loc: Spring, Texas
Quote:
Blast, what's wrong with riding the white knuckle express?


I get enough of that when I let DW drive! eek

-Blast, living dangerously
_________________________
Blogging the Borderlands
Wild Edibles Blog
I miss OBG.

Top
#109929 - 10/25/07 02:11 AM Re: Survived a car crash [Re: airballrad]
Blast Offline
INTERCEPTOR
Carpal Tunnel

Registered: 07/15/02
Posts: 3560
Loc: Spring, Texas
Quote:
I have not done any of the hitting in my adventures, and I will have you know that I have never had a speeding ticket that did not get thrown out of court *knocks on wood*. I just drive invisible cars, it seems...


Okay...maybe if I'm really drunk. grin
Note #2: Airballrad, promise us you'll never get a motorcycle!

-Blast
_________________________
Blogging the Borderlands
Wild Edibles Blog
I miss OBG.

Top
#109968 - 10/25/07 11:32 AM Re: Survived a car crash [Re: airballrad]
Eugene Offline
Carpal Tunnel

Registered: 12/26/02
Posts: 2820
Originally Posted By: airballrad
I just drive invisible cars, it seems... confused


Those do exist. Around here it seems to be the grey Ford Tarus, you see quite a few of them. And in the morning or evening the grey car against a grey sky driving on the grey road does tend to disappear. I remember one day signaling for a lane change and hearing a horn that came from a grey car that I couldn't see because they didn't have their lights on so it was impossible to see it in the rain.

Top
Page 3 of 5 < 1 2 3 4 5 >



Moderator:  Alan_Romania, Blast, cliff, Hikin_Jim 
January
Su M Tu W Th F Sa
1 2 3 4 5 6
7 8 9 10 11 12 13
14 15 16 17 18 19 20
21 22 23 24 25 26 27
28 29 30 31
Who's Online
1 registered (hikermor), 238 Guests and 6 Spiders online.
Key: Admin, Global Mod, Mod
Newest Members
Ahsan, Michelle, EthanJames, Jason91, tangelo
5235 Registered Users
Newest Posts
PLB Battery replacement?
by Tjin
10:22 PM
Musical Instruments and Survival Situations?
by EMPnotImplyNuclear
10:21 PM
Ripple Effects of Disasters
by hikermor
08:30 PM
Happy birthday, Jack London
by Ratch
07:19 PM
38 minutes of Fear
by Pete
05:31 PM
First Rescue by Drone
by hikermor
05:46 PM
Multitool Mania
by Phaedrus
10:10 AM
Philippine Volcano Erupting
by chaosmagnet
02:14 AM
Newest Images
Tiny knife / wrench
Handmade knives
2"x2" Glass Signal Mirror, Retroreflective Mesh
Trade School Tool Kit
My Pocket Kit
Glossary
Test

WARNING & DISCLAIMER: SELECT AND USE OUTDOORS AND SURVIVAL EQUIPMENT, SUPPLIES AND TECHNIQUES AT YOUR OWN RISK. Information posted on this forum is not reviewed for accuracy and may not be reliable, use at your own risk. Please review the full WARNING & DISCLAIMER about information on this site.