[donjalapeno]

First time getting into a accident basically I got off work was super super tired and the roads were very wet and just before a red light the car in front of me slammed on his brakes so i slammed on my brakes but because of the stupid rain my car slid and i rear ended him. His car has a small scratch my car has a scratch on the bumper and my hood is a little bent, my emblem got torn off and my license plate is bent. Everyone was ok even though his son was in his back seat and didnt have his seat belt on ( you can kinda see him in the video). I know im at fault but If the guy decides to make a claim.

Will i get anything out of ICBC because of road conditions?



I trimmed the video but i have the original video that clearly shows i have plenty of room and that my car slid.
video.

accident - YouTube

[TjAlmeida]

You won't get anything for weather conditions.
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[duy-]

they dont really care, sure you left a good amount of room but it wasnt enough to prevent the accident so therefore its your fault

i think the only time you're not 100% at fault is if all his brake lights were broken

[Great68]

No. It's your responsibility to drive according to weather conditions.
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[donjalapeno]

fuhhh.

hopefully his car isnt too damaged, their was a gash but nothing to major.

[DsZ24]

fuhhh.

hopefully his car isnt too damaged, their was a gash but nothing to major.

If he does claim it you can always pay icbc out of your own pocket to fix his car so your insurance won't go up.

[pingu81]

You should be the given the opportunity to pay for the damage and not be bumped up on the CRS (assuming the guy doesn't claim for personal injury). I'm pretty sure that this option would be much better for you.

[Sky_High]

Unfortunately you will be at 100% fault.

Did he admit to his son not wearing his seat belt? Wonder if that will affect ICBC's ruling...

[ruthless]

You should be the given the opportunity to pay for the damage and not be bumped up on the CRS (assuming the guy doesn't claim for personal injury). I'm pretty sure that this option would be much better for you.

THIS
and in terms of fault, you are completely at fault, regardless of weather conditions you should have left adequate amount of room in order to stop safely...

and as mentioned above you can pay out the damage so your premiums don't increase but not if the other party claims personal injury(depending on severity you may still be able to pay, but it might not be worth it because physio adds up quick)

Ruthless & Associates Inc.

[XplicitLuder]

lol reminds me like the same type of accident when i rear ended the person infront of me. you wont get anything, luckily no huge damage :P i suggest you pay out of your own pocket for this, or else you'll be hella screwed in the long run. Doesn't seem bad enough for an injury claim from the other person..but you never know

[jpark]

there goes your rsx savings :(

[FerrariEnzo]

DO NOT settle this privately.. go through ICBC and pay for damages out of your pocket if you can afford it

just my $0.02

[Energy]

Doesn't look too bad. Yup, pay for the damages out of pocket to avoid getting screwed.

[sindragon]

lol no way the bmw family will do it private... they might claim injuries :/

[donjalapeno]

Yeah Im definitely paying out of my own pocket considering the insurance is under my dads name and I really don't want to screw his insurance.

as for injury claim before we even looked at the damages I asked if he was ok and if is son was ok and he said yes. judging by the damages and the way he jumped out of his car like a wild hyena I'm guessing theirs no injuries.


I would like to take this time and thank everyone of you for your opinions and support.

[Jgresch]

Injuries can develop too :o didn't look like you hit him very hard. Just be more careful nub.

I failed you because I love you lol
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[donjalapeno]

:okay:

[kkttsang]

if you are worry they may claim injury check out the link i provided.

ICBC | low-velocity.pdf (http://www.icbc.com/claims/Injury-claims/low-velocity.pdf)

[saucywoman]

booo sucks to be you :(
I had some idiot stop at a green light on kgb and I rear ended him and 100% at fault. If the repairs are going to be minimal then like everyone else I suggest payback icbc.
My front bumper would cost 1400 to repair and I assume his will be the same, if not more, so I have decided that I'll just pay the extra rate :(

fortunately though, this accident happened in october and when I went to renew insurance in jan the rates hadn't been bumped up. Guy is claiming injury, of course, so I figure since I told them I want the option to pay that rates won't go up until the renewal after they decide if claim is valid or not. Which hopefully takes at least another year so as to reap another year of discount, lol

[!Aznboi128]

Hey man, honestly go thru insurance. Yea you can pay for his car to get fixed and what not but after you give him cash he might go and do the insurance anyways. Thus double screwed, don't think the drive wont. (Not saying he will but you never know, and you can never be too careful) Next thing you know he might say he has injuries for his son even...

you never know man just do the right thing, last thing I want is a thread "I got fuuuuu'ed by a bmw driver"

[Volvo-brickster]

Go through ICBC.

He has a set period of time to claim injuries with ICBC. If he claims injuries and ICBC settles, he CANNOT go after you in a civil suit because you were covered by ICBC.

If you don't go through ICBC who knows what a judge will give him in a civil suit ...

[donjalapeno]

Honestly its all up to my dad since the insurance is under his name....if he decides to just pay the bmw driver for the damages then ill pay him. If he decides to go thru insurance then ill pay him however much increase he has to pay yearly

[Harvey Specter]

I agree with what is already posted, stick with ICBC. Too many people get screwed trying to avoid ICBC and even minor damage on a BMW bumper will cost $1000+ to repair so it's not worth the hassle.

[optiblue]

Yeah no BMW driver will do private. Just ICBC it and pay out of your pocket to avoid the major price hikes. If you also insure your own car, then your dad might be off the hook as they will ding your rates and leave his alone! Out of curiosity, did your car not have ABS? It looked like a lock up
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[donjalapeno]

^ no ABS lol

[Grim]

and just before a red light the car in front of me slammed on his brakes so i slammed on my brakes

:suspicious: judging from the vid it looks like hes at a complete stop. From what it seems you've just vidchop. But i could be wrong, anyone feel the same?

but aside from that, go thru icbc and pay icbc off. gl

[CRS]

:suspicious: judging from the vid it looks like hes at a complete stop. From what it seems you've just vidchop. But i could be wrong, anyone feel the same?

but aside from that, go thru icbc and pay icbc off. gl

I would have liked to see the 15 seconds before the video began to fully evaluate the situation as well.

[matrixfwd]

i was holding my breath at the end of the video as it looked like you were about to rear- end him again.

yah definitely let ICBC deal with the legal mumbo jumbo. Settlline privately makes you very naked and vulnerable.

[littledog]

Honestly its all up to my dad since the insurance is under his name....if he decides to just pay the bmw driver for the damages then ill pay him. If he decides to go thru insurance then ill pay him however much increase he has to pay yearly

We are actually talking about paying off the claim to avoid the increase in the annual insurance amount and the moving up on the CRS levels.

[1exotic]

If you also insure your own car, then your dad might be off the hook as they will ding your rates and leave his alone! Out of curiosity, did your car not have ABS? It looked like a lock up
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False. They "ding" the rates of whoever owns or is the primary operator of the vehicle.

Also if the owner has a rather clean history with a high discount rate (about 40%), the insurance rate will take a small hit.

Assuming the the owner of the vehicle gave permission to someone else to operate it, they will take the hit at the end basically..

[swfk]

From my own experience when I was at fault:

I rolled too far past a stop sign and got hit by a Mazda 3. His passenger front hit my drive front. I first asked him if we could settle it privately so my premiums don't go up and he agreed. At this point I haven't told my mom yet because I was shitting bricks lol.

Couple days later he calls me and tells me that his damage was $3300 or something. I then tell my mom cuz it's quite the sum. My mom said "tell him to stfu and call ICBC". Because ICBC will actually go to his ICBC approved shop to estimate the damages to ensure that he's not trying to scam you.

ICBC later mails me a letter saying that the damage was $2600. I would've been scammed out a good $700.

Lesson learned for me, don't settle privately! Going through ICBC doesn't mean premiums going up. I still kept my discount at the end.

[donjalapeno]

:suspicious: judging from the vid it looks like hes at a complete stop. From what it seems you've just vidchop. But i could be wrong, anyone feel the same?

but aside from that, go thru icbc and pay icbc off. gl

:fulloffuck:


even though im admitting that its my fault,

im not trying to hide anything

I would have liked to see the 15 seconds before the video began to fully evaluate the situation as well.

:seriously:

[Soundy]

^Did the private thing once too... they called saying the shop told them it would be $300. I told them to call me when it was done and I'd come down and pay the shop. Later they called and said the work was done and it was $600, but they were leaving the shop and I could just give them the cash.

So I told them I wasn't paying and they should go to ICBC.

:fuckthatshit:

[Sky_High]

^Did the private thing once too... they called saying the shop told them it would be $300. I told them to call me when it was done and I'd come down and pay the shop. Later they called and said the work was done and it was $600, but they were leaving the shop and I could just give them the cash.

So I told them I wasn't paying and they should go to ICBC.

:fuckthatshit:

How much did you pay ICBC back at the end? Was it the same $600?

[Soundy]

I didn't. Never heard from them. Don't recall my premiums changing, either. Suspect the "victim" never went to a shop and was just trying to scam some cash from me. My plate made a little gouge in her plastic bumper - cosmetic only. I doubt they ever bothered getting it looked at.

[eurochevy]

Yeah Im definitely paying out of my own pocket considering the insurance is under my dads name

how old are u if u don't mind me asking

[donjalapeno]

EDIT: I talked to ICBC and i have a appointment on monday for them to see the car and give me options, im most likely going to just pay the price and get his bumper painted. Does anyone know if the whole bumper has to be replaced because of a 30cm long deep gash?





I didn't. Never heard from them. Don't recall my premiums changing, either. Suspect the "victim" never went to a shop and was just trying to scam some cash from me. My plate made a little gouge in her plastic bumper - cosmetic only. I doubt they ever bothered getting it looked at.

Thats basically what happend to the 5 series aswell....my plate gave his bumper a gash.


how old are u if u don't mind me asking

I'm 20, i have been just going to school for the past 2 years so i couldnt afford insurance + gas + transit expense + cell phone and visa bill so my dad decided to help me however i got a job recently and the insurance was going to be switched over within the week.

[Soundy]

If the 5 needs repairs, let ICBC deal with the repairs... then you just repay ICBC. All these stories are showing what can happen if you try to deal with the other car owner directly. ICBC won't let drivers or shops scam them into doing more work than is needed, or paying more for it than it's worth.

[mb_]

Same thing happened with me - was driving dads van and rear ended some kid. Paid off the repairs since it was pretty cheap and dads insurance premium didn't go up. Didn't bother getting the van fixed since it wasn't that noticeable other than a hole in the license plate lol

[bcedhk]

guy looks sketchy. go with ICBC.

[sindragon]

hmm did a private once instead of icbc. total waas around 900 after backing into a 2000 civic custom lip and was cracked in half. Sucks that i do not know whether i got scammed or not but i didn't want to tell a certain family member

[Jgresch]

how deep is the gash? any pics. is it dented at all?

[donjalapeno]

not dented, gash is decently deep....id say .75 - 1 cm deep

[Jgresch]

Can you see through where the gash is? Or is it still intact? If its literally a hole, they will have to replace the bumper.

[donjalapeno]

wasn't a hole and thank GOOOOOOOOOOD it was a base 528 so no parking sensors

[CRS]

Can you see through where the gash is? Or is it still intact? If its literally a hole, they will have to replace the bumper.

Dude, if it past the clearcoat/paint, it's near impossible to cover from that.

[donjalapeno]

Dude, if it past the clearcoat/paint, it's near impossible to cover from that.

BMW workshop services (http://www.bmw.com/com/en/owners/service/care/cosmetic_care_and_repair/plastic_repair.html)



impossible is nothing for Germans.

[gretzky]

whip lash for sure

[Shorn]

I trimmed the video but i have the original video that clearly shows i have plenty of room and that my car slid.
video.


:rukidding: clearly if you slid and hit him.. it wasn't 'plenty' of room. if it was plenty of room you wouldn't have hit him. that's what plenty of room means.

anyways learn from your mistakes and don't follow so close, especially in the rain, and especially when you're driving a car with no abs/shitty tires. i learned that the hard way too except i got lucky and rear ended some big ass pickup truck a few years ago. good thing he had some beast chrome rear bumper and my car didn't leave a scratch on it, except my hood was fucked up. he came out, took one look, laughed at my car, said it's fine and drove off.

also if he claims for whiplash it's really not bullshit, i got rear ended once before as well at somewhat similar speeds to you and i felt neck pains a week after but didn't claim anything. your neck muscles really are sensitive to sudden jolts like that and just cause he doesn't come out holding his neck doesn't mean he won't develop neck pains a few weeks after.

[Jgresch]

Dude, if it past the clearcoat/paint, it's near impossible to cover from that.

Yea.... Same as if it's actually a hole lol
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[metal]

Can you post a video starting from even 5 seconds earlier?

[donjalapeno]

http://www.lowbird.com/data/images/2011/03/1299943493450.jpg

[porsche77]

Damn!! the same thing happened to me in the same place a couple of weeks ago!! bad intersection. especially with the weather and the idiots in front of us...we've gotta be aware..

[Jgresch]

Lolwut? Idiots in front of you who are stopping for a red light?
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[CRS]

Damn!! the same thing happened to me in the same place a couple of weeks ago!! bad intersection. especially with the weather and the idiots in front of us...we've gotta be aware..

:rukidding:

Yes, let's go ahead and blame everyone (even the intersection, that mother fucker!) instead of ourselves.

[donjalapeno]

LOL

[Ferra]

Ask the guy how much money he wants to settle this w/o insurance.
Anything under 1-1.5k, I'd just pay him out of pocket

FYI:
I was rear-ended by someone a few weeks ago... (i am on a 09 BMW 335i)
The impact speed was less than your vid...my bumper had a small crest line and two screw holes indentation.

Brought the car to a BMW bodyshop and they quote me $2900 to replace the bummer because the crestline can't be properly repainted...

[donjalapeno]

UPDATE: for anyone who cares..

The guy claimed injuries 3 days after the accident, I emailed the adjuster the video and They decided to do a low velocity investigation fast forward 4 weeks to today I got a call saying that because of the video evidence they rejected his injury and she said that she would give me a call within 2 days to tell me what the cost of the repairs are if I decide to pay for the damages myself and the cost if I go through insurance.

Thanks for the support and sharing your experiences! :megusta:

[dru]

Good to hear that it worked out for you!

[Roach]

Your video camera just paid for itself!

Kev

[dn53]

Sigh I'm in the exact same shoes. Rear ended someone at low speed, only some scuffs to their bumper. I was planning to pay it off through icbc but received a phone call 2 nights ago that she was claiming for injury. I stopped and slid into her nearly the same way as the video the op posted.

I have no video proof but am wondering what are the odds of icbc rejecting their claim of injury? I am seeing an estimator on monday.
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[Soundy]

ICBC will get their own medical report from a doctor they trust... they'll also inspect the cars for damage that would indicate whether you hit hard enough to cause injury or not.

Believe it or not, they do have a slight idea what they're doing - this sort of thing happens a lot.

[accordpoop]

Your video camera just paid for itself!

Kev

MUST get dash cam:accepted: