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United States24799 Posts
On October 08 2009 05:51 CharlieMurphy wrote:Show nested quote +On October 08 2009 05:41 sung_moon wrote:On October 08 2009 04:29 micronesia wrote:
I was in a somewhat similar situation as a young driver near a school. Let me clarify some things before I offer you advice:
1) Was your car moving AT ALL when you were hit? If so, explain exactly what your motion was.
2) Were you over the double yellow line (too far left?) How sure are you?
3) What were you planning on doing after the stop sign? Go straight, left or right?
In a few hours I will check back for your answers and tell you exactly what you should do.
edit: What insurance do you have? What state do you live in? 1) no i was not 2) no there was no yellow line, HOWEVER if there was one i wouldn't be over it. HOWEVER i was very close to the edge and pretty far away from the sidewalk. this is the one thing i mentioned where i could be at fault over. 3) i was planning on going straight after the bus completely turned. edit: btw my insurance is Allstate provided by my parents (if that matters). and i live in Pennsylvania. <what charlie said>
Unless I misunderstand how the accident occurred it is irrelevant. He was going to go straight, and a bus, coming from his right, made a left turn to go around him. Whether he was going straight or not shouldn't matter.
Answer 3 could actually help you a lot along with the witnesses. If you can prove where you were going and print out a map of the route you take then you obviously couldn't have been turning.
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United States24799 Posts
On October 08 2009 05:52 sung_moon wrote:Show nested quote +On October 08 2009 05:45 micronesia wrote:On October 08 2009 05:41 sung_moon wrote:On October 08 2009 04:29 micronesia wrote:
I was in a somewhat similar situation as a young driver near a school. Let me clarify some things before I offer you advice:
1) Was your car moving AT ALL when you were hit? If so, explain exactly what your motion was.
2) Were you over the double yellow line (too far left?) How sure are you?
3) What were you planning on doing after the stop sign? Go straight, left or right?
In a few hours I will check back for your answers and tell you exactly what you should do.
edit: What insurance do you have? What state do you live in? 1) no i was not 2) no there was no yellow line, HOWEVER if there was one i wouldn't be over it. HOWEVER i was very close to the edge and pretty far away from the sidewalk. this is the one thing i mentioned where i could be at fault over. 3) i was planning on going straight after the bus completely turned. I'm not sure how it works, but did you exchange insurance info with the bus? Tell your own insurance company that you WERE NOT MOVING AT ALL and that you WERE NOT OVER THE LINE (which is true, even if you were close to it) and then you can get 0% liability which will not affect your insurance. If the busdriver and her advocates try to disrupt this, then make sure your insurance company knows of the witnesses who can attest to the fact that you were not moving when you were hit. You cannot be held liable for something like that if you weren't moving and were not where you weren't supposed to be. Keep in mind the busdriver will probably not be employed if she gets into an accident with a bus so she has every motivation to lie through her teeth to avoid any blame. edit: if the cop believed you that you weren't moving and still said it's a 50/50 situation then he's full of crap. i did not exchange information (i should have), however i asked and know that she in employed by the elementary school one block away form my house and the specific bus she drives. i understand that the busdriver is at fault and will lie to save her ass, but im worried that when there, people will take the word of an older more experienced driver over a 18 year old college kid who's had his license for just over a year. my father doesnt mind about the increase of insurance as he says if im right, it wont be much. as far as the witness situation, i told the cop about the local who witnessed it while walking her child to school. however, im not extremely sure if the cop directly went to her, even thou i asked twice about it. btw thanks all for replies. feel more comfortable when i get different inputs edit: my dad is more disappointed than mad. he probably thinks i could of avoided it. my dad's been pretty strict, and i never want to get my dad mad/disappointed/wrong about me ever.
Did the cop take down your insurance information? The police report should have it all I guess... my accident did not involve a police report so I'm not 100% sure about that.
Do you have collision insurance? If not then the only payment your insurance company would have to make would be a payment to the bus owner. If that payment does not exceed some minimum amount (such as 100-200 dollars) then your rates will probably be unaffected although that can vary by state and company.
Did you get the contact info of the witness or is she gone forever?
Are you in communication with your insurance company?
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On October 08 2009 05:57 micronesia wrote:Show nested quote +On October 08 2009 05:52 sung_moon wrote:On October 08 2009 05:45 micronesia wrote:On October 08 2009 05:41 sung_moon wrote:On October 08 2009 04:29 micronesia wrote:
I was in a somewhat similar situation as a young driver near a school. Let me clarify some things before I offer you advice:
1) Was your car moving AT ALL when you were hit? If so, explain exactly what your motion was.
2) Were you over the double yellow line (too far left?) How sure are you?
3) What were you planning on doing after the stop sign? Go straight, left or right?
In a few hours I will check back for your answers and tell you exactly what you should do.
edit: What insurance do you have? What state do you live in? 1) no i was not 2) no there was no yellow line, HOWEVER if there was one i wouldn't be over it. HOWEVER i was very close to the edge and pretty far away from the sidewalk. this is the one thing i mentioned where i could be at fault over. 3) i was planning on going straight after the bus completely turned. I'm not sure how it works, but did you exchange insurance info with the bus? Tell your own insurance company that you WERE NOT MOVING AT ALL and that you WERE NOT OVER THE LINE (which is true, even if you were close to it) and then you can get 0% liability which will not affect your insurance. If the busdriver and her advocates try to disrupt this, then make sure your insurance company knows of the witnesses who can attest to the fact that you were not moving when you were hit. You cannot be held liable for something like that if you weren't moving and were not where you weren't supposed to be. Keep in mind the busdriver will probably not be employed if she gets into an accident with a bus so she has every motivation to lie through her teeth to avoid any blame. edit: if the cop believed you that you weren't moving and still said it's a 50/50 situation then he's full of crap. i did not exchange information (i should have), however i asked and know that she in employed by the elementary school one block away form my house and the specific bus she drives. i understand that the busdriver is at fault and will lie to save her ass, but im worried that when there, people will take the word of an older more experienced driver over a 18 year old college kid who's had his license for just over a year. my father doesnt mind about the increase of insurance as he says if im right, it wont be much. as far as the witness situation, i told the cop about the local who witnessed it while walking her child to school. however, im not extremely sure if the cop directly went to her, even thou i asked twice about it. btw thanks all for replies. feel more comfortable when i get different inputs edit: my dad is more disappointed than mad. he probably thinks i could of avoided it. my dad's been pretty strict, and i never want to get my dad mad/disappointed/wrong about me ever. Did the cop take down your insurance information? The police report should have it all I guess... my accident did not involve a police report so I'm not 100% sure about that. Do you have collision insurance? If not then the only payment your insurance company would have to make would be a payment to the bus owner. If that payment does not exceed some minimum amount (such as 100-200 dollars) then your rates will probably be unaffected although that can vary by state and company. Did you get the contact info of the witness or is she gone forever? Are you in communication with your insurance company?
sry for the really late reply.
1) yea the cops have and said they have all of mine/her information.
2) im not completely sure. ill ask my parents.
3) no which was a mistake. i assumed after i notified the cops that there was a witness i just assumed cops would handle it.
4) yes i can communicate with them, however my father says wait until i get my claim (which will be later today)
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United States24799 Posts
On October 08 2009 22:50 sung_moon wrote:Show nested quote +On October 08 2009 05:57 micronesia wrote:On October 08 2009 05:52 sung_moon wrote:On October 08 2009 05:45 micronesia wrote:On October 08 2009 05:41 sung_moon wrote:On October 08 2009 04:29 micronesia wrote:
I was in a somewhat similar situation as a young driver near a school. Let me clarify some things before I offer you advice:
1) Was your car moving AT ALL when you were hit? If so, explain exactly what your motion was.
2) Were you over the double yellow line (too far left?) How sure are you?
3) What were you planning on doing after the stop sign? Go straight, left or right?
In a few hours I will check back for your answers and tell you exactly what you should do.
edit: What insurance do you have? What state do you live in? 1) no i was not 2) no there was no yellow line, HOWEVER if there was one i wouldn't be over it. HOWEVER i was very close to the edge and pretty far away from the sidewalk. this is the one thing i mentioned where i could be at fault over. 3) i was planning on going straight after the bus completely turned. I'm not sure how it works, but did you exchange insurance info with the bus? Tell your own insurance company that you WERE NOT MOVING AT ALL and that you WERE NOT OVER THE LINE (which is true, even if you were close to it) and then you can get 0% liability which will not affect your insurance. If the busdriver and her advocates try to disrupt this, then make sure your insurance company knows of the witnesses who can attest to the fact that you were not moving when you were hit. You cannot be held liable for something like that if you weren't moving and were not where you weren't supposed to be. Keep in mind the busdriver will probably not be employed if she gets into an accident with a bus so she has every motivation to lie through her teeth to avoid any blame. edit: if the cop believed you that you weren't moving and still said it's a 50/50 situation then he's full of crap. i did not exchange information (i should have), however i asked and know that she in employed by the elementary school one block away form my house and the specific bus she drives. i understand that the busdriver is at fault and will lie to save her ass, but im worried that when there, people will take the word of an older more experienced driver over a 18 year old college kid who's had his license for just over a year. my father doesnt mind about the increase of insurance as he says if im right, it wont be much. as far as the witness situation, i told the cop about the local who witnessed it while walking her child to school. however, im not extremely sure if the cop directly went to her, even thou i asked twice about it. btw thanks all for replies. feel more comfortable when i get different inputs edit: my dad is more disappointed than mad. he probably thinks i could of avoided it. my dad's been pretty strict, and i never want to get my dad mad/disappointed/wrong about me ever. Did the cop take down your insurance information? The police report should have it all I guess... my accident did not involve a police report so I'm not 100% sure about that. Do you have collision insurance? If not then the only payment your insurance company would have to make would be a payment to the bus owner. If that payment does not exceed some minimum amount (such as 100-200 dollars) then your rates will probably be unaffected although that can vary by state and company. Did you get the contact info of the witness or is she gone forever? Are you in communication with your insurance company? sry for the really late reply. 1) yea the cops have and said they have all of mine/her information. 2) im not completely sure. ill ask my parents. 3) no which was a mistake. i assumed after i notified the cops that there was a witness i just assumed cops would handle it. 4) yes i can communicate with them, however my father says wait until i get my claim (which will be later today)
By the way, do you normally come to full stops and stop signs? I find most people don't, even when they claim they do.... like I'm sitting in the passenger seat of a car with my sister (girl driver joke = permaban!!) and she tells me she in fact does make full stops. So I ask her to demonstrate it and we pull up to a stop sign where she procedes to make a rolling stop and then denies it ._.
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Snet
United States3573 Posts
That's fucking gay. I hate accidents. I remember getting rear ended and my car hit the car in front of me and I was "at fault" for that.
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On October 08 2009 23:15 micronesia wrote:Show nested quote +On October 08 2009 22:50 sung_moon wrote:On October 08 2009 05:57 micronesia wrote:On October 08 2009 05:52 sung_moon wrote:On October 08 2009 05:45 micronesia wrote:On October 08 2009 05:41 sung_moon wrote:On October 08 2009 04:29 micronesia wrote:
I was in a somewhat similar situation as a young driver near a school. Let me clarify some things before I offer you advice:
1) Was your car moving AT ALL when you were hit? If so, explain exactly what your motion was.
2) Were you over the double yellow line (too far left?) How sure are you?
3) What were you planning on doing after the stop sign? Go straight, left or right?
In a few hours I will check back for your answers and tell you exactly what you should do.
edit: What insurance do you have? What state do you live in? 1) no i was not 2) no there was no yellow line, HOWEVER if there was one i wouldn't be over it. HOWEVER i was very close to the edge and pretty far away from the sidewalk. this is the one thing i mentioned where i could be at fault over. 3) i was planning on going straight after the bus completely turned. I'm not sure how it works, but did you exchange insurance info with the bus? Tell your own insurance company that you WERE NOT MOVING AT ALL and that you WERE NOT OVER THE LINE (which is true, even if you were close to it) and then you can get 0% liability which will not affect your insurance. If the busdriver and her advocates try to disrupt this, then make sure your insurance company knows of the witnesses who can attest to the fact that you were not moving when you were hit. You cannot be held liable for something like that if you weren't moving and were not where you weren't supposed to be. Keep in mind the busdriver will probably not be employed if she gets into an accident with a bus so she has every motivation to lie through her teeth to avoid any blame. edit: if the cop believed you that you weren't moving and still said it's a 50/50 situation then he's full of crap. i did not exchange information (i should have), however i asked and know that she in employed by the elementary school one block away form my house and the specific bus she drives. i understand that the busdriver is at fault and will lie to save her ass, but im worried that when there, people will take the word of an older more experienced driver over a 18 year old college kid who's had his license for just over a year. my father doesnt mind about the increase of insurance as he says if im right, it wont be much. as far as the witness situation, i told the cop about the local who witnessed it while walking her child to school. however, im not extremely sure if the cop directly went to her, even thou i asked twice about it. btw thanks all for replies. feel more comfortable when i get different inputs edit: my dad is more disappointed than mad. he probably thinks i could of avoided it. my dad's been pretty strict, and i never want to get my dad mad/disappointed/wrong about me ever. Did the cop take down your insurance information? The police report should have it all I guess... my accident did not involve a police report so I'm not 100% sure about that. Do you have collision insurance? If not then the only payment your insurance company would have to make would be a payment to the bus owner. If that payment does not exceed some minimum amount (such as 100-200 dollars) then your rates will probably be unaffected although that can vary by state and company. Did you get the contact info of the witness or is she gone forever? Are you in communication with your insurance company? sry for the really late reply. 1) yea the cops have and said they have all of mine/her information. 2) im not completely sure. ill ask my parents. 3) no which was a mistake. i assumed after i notified the cops that there was a witness i just assumed cops would handle it. 4) yes i can communicate with them, however my father says wait until i get my claim (which will be later today) By the way, do you normally come to full stops and stop signs? I find most people don't, even when they claim they do.... like I'm sitting in the passenger seat of a car with my sister (girl driver joke = permaban!!) and she tells me she in fact does make full stops. So I ask her to demonstrate it and we pull up to a stop sign where she procedes to make a rolling stop and then denies it ._.
i admit that i normally do rolling stops HOWEVER i clearly remember slowing down when teh car in frotn of me took a left turn (at an intersection several yards away from the accident site), and completely stopping when i saw the yellow bus.
in any case i picked up claim and it says that we are both at fault as she legitimately hit my car, however i was too far away from the sidewalk and i failed to reverse when she was turning left. when i saw that i wanted to flip shit but i didnt want to make a scene.
although thank goodness for the witness
so now i have no classes for the rest of today, and i don't want to call my father right now since hes most likely busy. so whats the best plan of action now?
btw thank you all for the helpful replies
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United States24799 Posts
On October 09 2009 00:21 sung_moon wrote:
in any case i picked up claim and it says that we are both at fault as she legitimately hit my car, however i was too far away from the sidewalk and i failed to reverse when she was turning left. when i saw that i wanted to flip shit but i didnt want to make a scene.
although thank goodness for the witness
Your process is working differently than I did. Who did you pick up the claim from?
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from our local county police station
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United States24799 Posts
On October 09 2009 05:05 sung_moon wrote:
from our local county police station
I don't know how contesting police reports works... when I was in an accident we did not file and our insurance companies handled it (and I ultimately got 0% liability :D ). If you are sure you weren't moving, and that you weren't over the double yellow line, then you should contest it whether it be with your insurance company or with the police or whoever... the bus should have stopped and given you time to backup if it was necessary instead of just plowing into you.
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On October 09 2009 00:21 sung_moon wrote:
in any case i picked up claim and it says that we are both at fault as she legitimately hit my car, however i was too far away from the sidewalk and i failed to reverse when she was turning left. when i saw that i wanted to flip shit but i didnt want to make a scene.
although thank goodness for the witness
You "failed to reverse when she was turning left?" That's utter BS. If you were behind the stop line, she's at fault for turning into you. She could have stopped before hitting you and told you to reverse if she couldn't make the turn. Normally the bus driver will reverse themselves/drive over the curb instead of asking you to reverse anyway.
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Its amazing to me how all this insurance stuff goes down.
You're just sitting there doing everything right, there should be no way any thing bad comes to you. So stupid.
On October 08 2009 01:45 plated.rawr wrote:Why is guilt still in question? Case closed.
Not funny. Don't make those kind of "jokes".
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EPT
