Car/Bus accident Help with aftermath

1. how much does insurance raise (my parent are still paying for mine and this is my first accident/ticket/moving violation/etc.)
2.is there anything specific that adds on since i hit a school bus?

On October 08 2009 01:37 StorrZerg wrote:
hope this turns out all right, hopefully they school doesn't dick you out.

edit, where in relation to your car and the bus, how did this happen? sharp right turn?

On October 08 2009 02:18 Salv wrote:
I am just thinking through the situation you described and I don't quite understand the bus drivers argument. You say you were stopped completely at a stop sign, the bus driver says you tried to go through it. Now my question is, even if you were going through the sign, how would this have caused the bus to strike your car?

If you were going straight, her argument is irrelevant, for regardless if your car was moving or not, she would have still hit it. The same applies for if you were turning right. The only scenario I see her argument making sense is if you went to go through the stop sign taking a left, and also took the corner sharply yourself, more or less moving slightly into the opposing lane.

Either way, assuming you are telling the truth, you have my sympathy, sounds like a bullshit situation.

On October 08 2009 03:24 sung_moon wrote:


i wish i could draw out a picture but here goes. im clearly behind the stop sign and can see all of teh sign (as opposed to u stop before the sign but u are too far ahead and cant see it). she turns right when i stop (lets say im on the bottom of the + and shes on the right). she takes a sharp turn left(her left) and it scraps my front left side.

hope that doesnt sound too much of a clusterfuck

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?

On October 08 2009 05:41 sung_moon wrote:


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.

On October 08 2009 05:41 sung_moon wrote:


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.

On October 08 2009 05:45 micronesia wrote:

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.

On October 08 2009 05:51 CharlieMurphy wrote:

<what charlie said>

On October 08 2009 05:52 sung_moon wrote:


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.

On October 08 2009 05:57 micronesia wrote:

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?

On October 08 2009 22:50 sung_moon wrote:


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)

On October 08 2009 23:15 micronesia wrote:

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 ._.

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

On October 09 2009 05:05 sung_moon wrote:
from our local county police station

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

On October 08 2009 01:45 plated.rawr wrote:
Why is guilt still in question?



Case closed.