First Accident...Please Help :(
 

I was driving today and had to completely stop to wait my turn to merge onto a road, when I saw that there were no cars coming anymore I went for it, not knowing that the guy ahead of me did not go for it yet, and ended up rear ending him.

So alright, obviously I'm at fault.
We exchanged information, phone numbers and everything, and asked if he can get a quote for it so we didn't have to go through ICBC.

About 15-20 mins later he calls me and tells me that he got a quote of $1000, which I don't find even close to being right. He has a newer Nissan Murano, a pretty tall car, so my car went under his car a bit, due to his car being tall and mine being low. All I saw was minimal cosmetic damage, but he told me that the pump might possibly have a problem.

So my questions are
1) Is this price reasonable?
2) Is it possible he knows about pump problems within 15-20 mins?
3) Is there even a pump located on a Nissan Murano? (The year should be roughly 2008ish)

This is my first accident and I'm not sure what to do, please help! :(

Claim ICBC and go through them to play it safe. ICBC has a claim payback method, that allows you to pay back the damage to ICBC, and it wont' affect your discount.

How does the Claim PayBack Work?

The thing is, I wasn't driving my car today, my dad borrowed my car so I had to borrow his.
I have a class 7N license but his car has insurance under my name. So how will this affect his insurance? My dad's a Roadst*r

unless your dad's car has insurance coverage for drivers with 10+ yrs or more experience, you are going to be fine. Always go through ICBC to save your own ass. You can always pay ICBC the money back for the damage to the other car instead of doing it just between you and the person you hit. If you pay the damage back to ICBC it will not effect the premiums on your dad's car. Although he has roadstar plus he should be able to have 1 free accident.

At the same time you would be surprised at how much a minor looking damage can cost to fix. $1000 for something small seems kinda right for parts, labour, and he'd be doing you a favor so there has to be a $100-$200 incentive.
Posted via RS Mobile

Deal with ICBC... you never know if the person will sue for injury, then you'd be really screwed.

if you go through ICBC you'll know the answers to those questions. no real reason to go outside of ICBC, too risky. even if you pay him he can turn around and still go to ICBC, happened to a friend before. Just go to ICBC and let them to the work for you.

call icbc report it and then tell them you would like to pay for it out of your own pocket that way it wont raise the insurance rates.

Can anyone expand on how this works? Like, even if I am driving it, does this still apply to me?

And yes, I think I am going to follow through with ICBC.

I examined my car more complex now, and it seems like it'll be a pricey fix.
The car is hit in and the front frame is now kind of slanted going towards the passenger side, which now does not allow my fan to come on when it's supposed to.

Damn japanese cars.
I'm gonna go through with ICBC then

The car is like "damn useless driver". :rolleyes:

Cars don't hit other cars, people hit cars.

^if you pay for the damages, your rates will NOT increase, that's the whole point of paying for the damages and trying to resolve outside of icbc.

The point of my post was saying that japanese cars are too light and made up of too cheap/light metal. Therefore making your post completely irrelevant.

And I acknowledged in my post that yes I was at fault.

Yes but again, I've decided to follow through with ICBC. The damage seems to be too expensive.

if the tow hook is hit from behind on the Murano you are getting a good deal at $1000.

Now for that part where you blame the damned car, it's like stepping on your iPhone, and then it doesn't work so good no more, then complain "damned iPhone". Then I came around and said "well you stepped on it."

of course it's relevant. :whine: Learn a lesson.

$1000 for the Murano + more for my car.

And yes I understand your rationality, it's like saying that spoons didn't make Rosie O'Donnell fat, she made herself fat, but point is, if I didn't have an iPhone and had say the gold plated Nokia phone, it would be a lot more durable.

u are gonna get raped either way

go thru ICBC and if u can afford the damage from your pocket and go for it. if you can't thats what insurance is for.

if you don't go thru, he can ask for as much as he want and you'd have no prove

Yeah... I understand that I'm going to get raped either way LOL.

So is it possible if somebody explains to me how this will work?
Let's say for example this will cost $2500 total to fix both my car and the Murano.

I will personally pay the $300 deductible, and ICBC will pick up the rest of the bill.
So what happens next year?
Do I pay a certain percentage or something?
My Dad's Roadstars -16 (means 16 years crash free) So this accident would've pushed him back 4 years, to -12, correct?

And does anybody know the exact rules to the one free accident for being a roadstar?

just file the claim with ICBC, call icbc dial-a-claim. The process is efficient and the adjuster will answer all your questions.

roadstars get 1 or even 2 at fault accidents. the system is technically +5% discount per year up to 100%. But ur maximum savings is only 43%

if your insurance rate is -205% to 15%; you lose 30% per accident
if your insurance rate is 20% to 40%; you lose 25% per accident
if your insurance rate is 45% to 70%; you lose 20% per accident
if your insurance rate is 75% to 100%; you lose 15% per accident

your CRS -16 equates to 80% and if you crash at fault, you will lose 15% lowering u down to 65% savings but since ur maximum savings is 43% it will not affect your insurance. Also you do pay about 120$ spread over the next 3 years. i dont know why.

http://www.icbc.com/autoplan-insuran...riables._frag_

That helps a lot.

Thanks dude.

damn u must slammed that gas pedal pretty hard.. complete stop -> the damage u claim... pretty hard to believe..
when i got rear ended, i also got launched to the guy ahead of me.. i was rolling at 30-35km/h + that launch so i would say.. 40-50km/h... all i had was a broken bumper and a rebar damage.. :/
my car is a japanese car aswell :S

At -16 CRS, the amount your insurance will increase in negligable.

Just claim it, learn from the accident and move on.

BTW even though the maximum discount is 43%, the reason why your insurance will still have a 43% discount next year but end up costing $30-$60 more is because the higher you are on the CRS, the higher your discount will be on OPTIONAL coverage.

Yeah I'll admit I slammed on the accelerator pretty hard... :(

And also
I've looked around everywhere for this "one free accident" thing... but have found nothing... is there actually such thing?

And now it turns out we might have another problem.

ICBC informed me that they will send a tow to take my car away... and also told me that if the damages are more I might not be getting the car back, instead they will write it off.

If I do not want it to be written off, what happens? Do they lowball me a price and tell me to fix it myself?

Is there another way I can still keep the car?

There is no such thing as a "free accident" or "free at-fault claim". You can be at such a positive/safe part of the claim-rated scale that an at-fault claim doesn't move you out of your discount.

http://www.icbc.com/autoplan/costs/claim-record/CRS