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Old 11-04-2019, 03:06 PM   #11 (permalink)
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We have separate policies with the same insurer so hopefully they won't connect the dots. I had no choice about reporting since in the long run it cost $16K to repair my vehicle. If I had pocket change like that lying around I'd be retired and I would buy a new car whenever I felt like it. Not my world...So far nothing has changed in my rate, no sign they will change, but we will know for sure when the policy comes up to renew.
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Old 11-07-2019, 09:38 PM   #12 (permalink)
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I'm just seeing this! What a calamity! I hope this ends happily for you all (except for the driver under the influence).
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Old 11-08-2019, 05:48 AM   #13 (permalink)
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Just a word of caution about thinking things will be easier because both vehicles are insured by the same company. My experience ended up being such a long drawn out affair, that should the same situation ever happen again... I would be running to hire a lawyer. The accident involved a total of three cars in a row. The last driver was texting and hit the two of us who were stopped at a red light. We all had the same insurance. Unfortunately, I had a tooth that sheared off and had to have an implant. It took two years to get my expenses back. Ugh. So, be aware that your insurance company may not be as concerned about your best interests, as you would think.
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Old 11-08-2019, 01:10 PM   #14 (permalink)
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Quote:
Originally Posted by Charmed View Post
Just a word of caution about thinking things will be easier because both vehicles are insured by the same company. My experience ended up being such a long drawn out affair, that should the same situation ever happen again... I would be running to hire a lawyer. The accident involved a total of three cars in a row. The last driver was texting and hit the two of us who were stopped at a red light. We all had the same insurance. Unfortunately, I had a tooth that sheared off and had to have an implant. It took two years to get my expenses back. Ugh. So, be aware that your insurance company may not be as concerned about your best interests, as you would think.
Horrible experience for you! Hope all is well with you and no long term effects

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Old 11-08-2019, 02:23 PM   #15 (permalink)
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Charmed I am not sure of your point. My vehicle is already repaired and my insurance company was very helpful and paid all but $500 of the repair bill (my deductible, which I did not expect reimbursement for since the car that hit mine left the scene). We do have information on the other driver for BF's accident.


I am sorry you had a bad experience with your insurer.
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Old 11-08-2019, 06:08 PM   #16 (permalink)
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Unreal.

I'm wondering about the layout of the land and from which direction these two cars came. Here are questions to research.

Is your house at/near a corner, or in the middle of your block?

Is there poor visibility of the driveway from the street, particularly at night?

Were the drivers on the same side of your street where they would have driven past your driveway had they not lost control?

Or were they driving on the opposite side of your street, crossing over into the (marked or unmarked) lane and veered into your cars?

Is there anywhere in the above where a reflective tape or lights like the ones on a bicycle can be placed within 50 to 100 feet of your driveway, such as on a tree, the curb, or a fire hydrant?

Your insurance company or a traffic specialist in your city might have solutions, along with google. Some jurisdictions will add a speed bump; others find them a hindrance for rescue and fire vehicles, but that department may have some ideas too.
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Old 11-09-2019, 11:08 AM   #17 (permalink)
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OMG,you have GOT to be kidding! What are the odds (and every other cliche there is!)

I have no suggestions,but I guess you have lived in the same location for some time with no previous incidents..at least neither of you or the animals were hurt.

UN believeable,were it not true life.
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Old 11-09-2019, 01:06 PM   #18 (permalink)
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Quote:
Originally Posted by Vita View Post
Unreal.

I'm wondering about the layout of the land and from which direction these two cars came. Here are questions to research.

Is your house at/near a corner, or in the middle of your block?

Is there poor visibility of the driveway from the street, particularly at night?

Were the drivers on the same side of your street where they would have driven past your driveway had they not lost control?

Or were they driving on the opposite side of your street, crossing over into the (marked or unmarked) lane and veered into your cars?

Is there anywhere in the above where a reflective tape or lights like the ones on a bicycle can be placed within 50 to 100 feet of your driveway, such as on a tree, the curb, or a fire hydrant?

Your insurance company or a traffic specialist in your city might have solutions, along with google. Some jurisdictions will add a speed bump; others find them a hindrance for rescue and fire vehicles, but that department may have some ideas too.

THEY WERE INTOXICATED (at least we know the one who hit BF's vehicle was and was arrested on the spot).

Martha we have lived here for eleven years and these are the only two problems. Strange timing for sure.
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Old 11-09-2019, 11:50 PM   #19 (permalink)
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I think I misunderstood. I thought you meant that the drunk driver had the same insurance as your boyfriend. Oops.
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Old 11-10-2019, 06:04 AM   #20 (permalink)
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Oh okay, it is me and BF with the same insurance. I don't know who the other guy's insurance is. Our insurance company has done well for us. Think lady in the white uniform.
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