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Zero VGS posted:My Smart Fortwo is so understated, I'm literally invisible to other cars: You have a lovely insurance company. Sorry.
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Jan 19, 2016 05:03
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Just send that video on a vhs certified mail to his insurance company with some fancy letter on heavy paper.
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Jan 19, 2016 05:05
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Zero VGS posted:My Smart Fortwo is so understated, I'm literally invisible to other cars: How is that anything more than 'the other guy us 100% responsible' ?
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Jan 19, 2016 05:06
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Laserface posted:How is that anything more than 'the other guy us 100% responsible' ? "Our insured is only 50% responsible" is insurance company speak for "We think we can get away with only paying half because you're an unsophisticated, legally unrepresented, smart-car driving little bitch" That's when you're supposed to turn it over to your own insurance to subrogate, but I'm guessing Zero VGS didn't have collision coverage or the damage was less than his deductible, so his own insurer took a pass.
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Jan 19, 2016 05:45
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Another reason to get a dashcam: see how a mechanic treats your car when they are working on it: http://www.dailymail.co.uk/news/article-3404946/Subaru-owner-s-anger-garage-staff-pothole-video.html?ito=video_player_click quote:'Got that one': Dashcam footage appears to show garage staff deliberately aiming for the potholes as they take customer's Subaru for test-drive down country lane And a follow-up to another news story from the UK http://www.dailymail.co.uk/news/article-3406089/White-van-man-deliberately-STOPPED-middle-lane-M60-road-rage-row-banned-driving.html quote:Shocking moment white van man suddenly swerves in front of a driver and STOPS in the middle of the M60 during road rage row
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Jan 19, 2016 11:00
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SlapActionJackson posted:"Our insured is only 50% responsible" is insurance company speak for "We think we can get away with only paying half because you're an unsophisticated, legally unrepresented, smart-car driving little bitch" You're right on both counts, the other insurance company saw the video so they must think they don't have anything to lose by trying that stunt. I have USAA which is usually spectacular (for example other driver was being a dick at the scene, saying he never even hit me and it must have been someone else who caused all the damage, and USAA helped me figure out his insurance co since he wouldn't give it), but I have no collision so they said I'm on my own for this part.
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Jan 19, 2016 15:39
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I see a small claims suit in your future. Just getting the complaint served will demonstrate you're not spineless and may get the insurer to improve the offer.
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Jan 19, 2016 16:32
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SlapActionJackson posted:I see a small claims suit in your future. Just getting the complaint served will demonstrate you're not spineless and may get the insurer to improve the offer. Their own adjuster estimated $1k to repaint / buff / pull dents, but the "Tridion Safety Cell" on the car was dented in, so I'm going to make the case that having the safety frame of my already dinky-rear end car compromised means a huge hit in diminished value. I mean, this was a mint condition 2013 Electric smart car, not some old gas one, who knows of my battery pack is gonna melt down on me now like in those Tesla videos. The USAA guy did say this was the first time in his life he's seen someone actually have a dashcam video 
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Jan 19, 2016 16:41
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Jesus, why wouldn't you have full coverage on a 2013 car?
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Jan 19, 2016 16:46
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I haven't been at-fault in an accident in 14 years, I only spent $16k on the car, and I can afford to buy another if it is ever totaled. I'm sure I saved way way more than $16k over the last 14 years by not ever paying for collision. I didn't know I'd get the whole "you're on your own" thing from my insurance though, that's going to be pretty obnoxious. I've never gone to court before except jury duty but I guess I can figure it out.
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Jan 19, 2016 16:54
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Zero VGS posted:I haven't been at-fault in an accident in 14 years, I only spent $16k on the car, and I can afford to buy another if it is ever totaled. There's probably only a 1% chance of that actually seeing a court room, especially with a video. More likely is the dude's insurance company will throw some cash at you instead.
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Jan 19, 2016 17:09
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It still doesn't make sense that you're expected to go to small claims court. Did your insurance company tell you that or the other guy's?
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Jan 19, 2016 17:21
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BraveUlysses posted:It still doesn't make sense that you're expected to go to small claims court. Did your insurance company tell you that or the other guy's? My insurance company said I need to take the other driver (they specifically said you're supposed to file against the driver, not the insurance company, and Google seemed to confirm that) to small claims court, yeah.
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Jan 19, 2016 17:43
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Since you don't have any collision coverage your company has no legal way to pay and then subro, so yeah, you're on your own. If you win a small claims judgement against the other driver they'll pay up but never admit liability. I could maybe see them applying some shared liability since you saw them creeping out and didn't stop (last clear chance, improper lookout), but 50% is way too much. What state are you in? This determines the negligence type the state uses. I'd escalate past your adjuster to their sup, manager, etc. Squeaky wheel.
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Jan 19, 2016 17:59
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He was taking a left out of a side street and I was on the main road, and he does come to a complete stop, which is when I figure "typical Masshole driver pulls out really far" and proceed past him. But I could see he had his head turned all the way to his left, like I was more or less in his blind spot the whole time because my car is so short. I'm in Massachusetts. You're saying my insurance has no legal way to subrogate but I should still escalate the case and see if they'll help me out anyways? When I said "their own adjuster" I mean the other driver's insurance adjuster. They already take two weeks to respond to each communication from me (I have to poke them with "what's up" messages each week to get them to reply) and are generally all talking at me like I'm a shithead, when I've been polite with them the whole time. I figured they'd just look at the vid, say "yeah we're at fault", and pay out a couple grand. If they want to do this the hard way I'll throw down; I don't suppose I can work in time off the job and all these bullshit inconveniences into the settlement?
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Jan 19, 2016 18:57
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In my experience, any wreck at all that shows up on the cars history means you eat a 20-25% diminished value on a trade in, so sue the moron for full damages plus at least 25% of the current value of the car. Edit: Yes, throw in lost wages if they force you to take time off work, worst case is the judge denies it. The Locator fucked around with this message at 19:07 on Jan 19, 2016 |
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Jan 19, 2016 19:03
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Zero VGS posted:He was taking a left out of a side street and I was on the main road, and he does come to a complete stop, which is when I figure "typical Masshole driver pulls out really far" and proceed past him. But I could see he had his head turned all the way to his left, like I was more or less in his blind spot the whole time because my car is so short. MA is a modified comparative 50/50 state. What that means is both parties can collect if they are equal to or less at fault than the other party. In essence, by saying its 50/50 they can pursue you for half of their insureds damages, which is contingent on their insured having collision coverage. If their insured was 51% or more at fault (in their eyes) then they couldn't collect from you. Your insurance won't make a payment to you since you don't have coverage, and since they haven't paid they have no way to legally recover the damages through subro. When I said escalate it up, that's through their company. If you aren't getting responses timely then look up your states department of insurance. Stuff starts moving much faster when they are potentially looking at fines or state actions taken. I'd hold off on filing suit until you go through the department of insurance. They're less likely to play ball. If you do file small claims court know those type of fees aren't reimbursable. The court is looking at real damages caused to you and making you whole. Putting a bunch of stuff comes across as a money grab and makes you less credible. Literally Lewis Hamilton fucked around with this message at 19:34 on Jan 19, 2016 |
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Jan 19, 2016 19:32
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Zero VGS posted:I haven't been at-fault in an accident in 14 years, I only spent $16k on the car, and I can afford to buy another if it is ever totaled. Get a quote and do the math, I'm pretty sure you're way wrong. I can already tell that you're an adult and you are a safe driver, so your insurance will probably be comparable to mine. I pay $70 a month for full coverage with 300k limits. I got in my first wreck ever and it paid out $14k, so similar value car as well. Obviously there are a lot of variables but even at $100 a month you barely break $16000 in 14 years. And you only need to do the math on the increase over liability, I'm using entire premium figures.
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Jan 19, 2016 23:16
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I have no idea what happened here: https://www.youtube.com/watch?v=UtN2JxaW5IU
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Jan 21, 2016 04:50
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1. Not paying attention, drift out of lane a bit, finally notice -> PANIC!!! JERK AT THE WHEEL VIOLENTLY 2. Lateral acceleration > 0.3g, car now headed out of the other side of the lane -> DOUBLE PANIC!!!!!!! JERK THE WHEEL BACK THE OTHER WAY AND LIFT OFF THE GAS 3. Lateral acceleration > 0.6g, rear sliding due to dumbass control inputs -> WERE GONNA DIE !!!!!!!!!!!!!!!!!!!!!one!!!!!!! SAW AT THE WHEEL AND SMASH THE BRAKES 4. Vehicle completes the spin as requested, smashes into a truck -> "I don't know what happened officer, I just lost control of the car"
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Jan 21, 2016 05:15
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Looking at their cell phone, probably.
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Jan 21, 2016 05:18
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I've seen that happen before. Dude in a Toyota Yaris doing 120km/h fell asleep at the wheel or something and when he hit the rumble strip, jerked the wheel and faithfully recreated a Mario Kart hit a banana peel 360 in front of me.
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Jan 21, 2016 08:06
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Goddamn! That got out of hand fast. Poor truck driver. He manages to hit the brakes briefly but then it seems like he's knocked out or something. It would be pretty interesting if we could relive an accident like this in a simulator, like for airplanes. I wonder how I'd fare behind the wheel. I'd like to think a lot better
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Jan 21, 2016 08:49
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E: Original posts: http://forums.somethingawful.com/showthread.php?threadid=3739469&userid=135033 I am so loving pissed off right now, I'm almost shaking. I just got a mail from my insurance company with the statement from the other involved party (actually her husband) from when I was sideswiped way back in September. Obviously, it tries to put into doubt everything I put in my statement, and claims that as we were approaching the light, we both slowed down* and that I deliberately put her life in danger by forcing her into the oncoming lane. Words like "angry", "unthinkable", "pushing", "far out" and "threatening" are used. Well, "angry" is correct at least. Because you're drat straight I get pissed off when somebody deliberately sideswipes me. They also make a point of mentioning that I told the driver I had dashcam footage, but that this was not provided along with the original statement, so obviously that footage must put me in a bad light. Nevermind that the reason I didn't attach it was that I was unsure of the legality of using it. Obviously I will send it to the insurance company now that it's become a "he said, she said" thing. * Despite the fact that she also claims to clearly have heard me accelerating. I would think that if she was slowing while I was accelerating, I would have passed her quite easily. As I was in fact accelerating, she would have had to be accelerating as well from her original slower speed, in order for us to even be side-by-side as they're claiming. KozmoNaut fucked around with this message at 12:50 on Jan 21, 2016 |
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Jan 21, 2016 11:37
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I smell: A bunch of entitlement. A history of poor driving (otherwise why make a big deal out of something that was going to be a cheap fix?). Large insurance expenses being incurred by the other party in the event of a fault found. IANAL (Danish or otherwise)While the dashcam footage may not be able to be used in a court of law to prove criminal behaviour it can certainly be used in the exjudicial decision making of an insurance company. I suggest inserting the dashcam footage in anus of other party sans lube.
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Jan 22, 2016 00:15
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I have uploaded the relevant footage to Dropbox (including the preceding video showing perfectly normal driving, for context) and drawn a couple of sketches of the situation. The links to these files have been sent to my insurance company along with an almost verbatim repeat of my original statement, with additions pointing out the specific events in the video and a couple of lines added to rebuff the other party's accusations. Most notably, she claims that I accelerated wildly alongside her, while the video clearly shows that I accelerated hard-ish from the light and thus actually stayed in front of her the whole way until I had completed my lane change, after which she accelerated alongside of me and sideswiped me. Her whole explanation doesn't add up at all. She claims that I must have been annoyed at her driving slowly in the left lane and sideswiped her for some reason, but I was in front of her, so why would I be bothered by her driving slowly? In fact, if she had just been driving slowly in the left lane, there wouldn't have been an issue at all. All this goddamn bother for a simple sideswipe that happened all the way back in goddamn September. gently caress that noise. I'm trying to stay as civil and neutral in my descriptions as possible, instead of resorting to accusations like she's doing. I'll probably upload the footage to Youtube once the case is done and closed. KozmoNaut fucked around with this message at 00:40 on Jan 22, 2016 |
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Jan 22, 2016 00:38
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I'm retracting my positive review for the Mobius Action Cam. Barely 2 weeks into ownership, and it's decided to stop working. I tried 4 different microSD cards of varying classes and brands, and it just decided to stop working. Footage looked great for the entire ~2 weeks that the unit worked for, but not worth the $100 price tag given its obvious reliability issues.
melon cat fucked around with this message at 06:55 on Jan 22, 2016 |
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Jan 22, 2016 06:49
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melon cat posted:I'm retracting my positive review for the Mobius Action Cam. Barely 2 weeks into ownership, and it's decided to stop working. I tried 4 different microSD cards of varying classes and brands, and it just decided to stop working. Footage looked great for the entire ~2 weeks that the unit worked for, but not worth the $100 price tag given its obvious reliability issues. I'm not going out on a limb here to suggest that maybe you just got a defective camera.
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Jan 22, 2016 10:33
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Seat Safety Switch posted:I have no idea what happened here: PT Cruiser happened.
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Jan 22, 2016 23:55
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Torsion beam suspension handling is a little exaggerated even for a pt cruiser.
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Jan 23, 2016 00:02
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Christobevii3 posted:Torsion beam suspension handling is a little exaggerated even for a pt cruiser. Last one I drove felt like it was going to lift off and leave the road over 100km/h and that video just reinforces it
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Jan 23, 2016 07:47
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melon cat posted:I'm retracting my positive review for the Mobius Action Cam. Barely 2 weeks into ownership, and it's decided to stop working. I tried 4 different microSD cards of varying classes and brands, and it just decided to stop working. Footage looked great for the entire ~2 weeks that the unit worked for, but not worth the $100 price tag given its obvious reliability issues. Did it fill the cards then stop recording? I forgot to turn loop recording back on after switching back and forth between the battery and the super capacitor, and it would consistently fill each card I tried before failing to record. Turning loop recording back on fixed it right up.
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Jan 27, 2016 19:45
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Just checked on my Mobius Dash cam today and it has been chugging along just fine for about the last 3 months. Doesn't seem to have any issues with loop recording.
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Jan 29, 2016 00:22
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SeņorMisterioso posted:Just checked on my Mobius Dash cam today and it has been chugging along just fine for about the last 3 months. Doesn't seem to have any issues with loop recording.
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Jan 29, 2016 01:56
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Let me just preface this by saying... I had already endured 15 minutes of gridlocked surface streets, (only having traveled about a mile) before reaching this interscection, so I am a bit more angried up than usual. https://www.youtube.com/watch?v=2OgM_jrFDFQ
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Jan 29, 2016 20:38
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drukqs posted:Let me just preface this by saying... I had already endured 15 minutes of gridlocked surface streets, (only having traveled about a mile) before reaching this interscection, so I am a bit more angried up than usual. *guitar riff*
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Jan 29, 2016 20:44
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Always mind your space cushion folks. Not bothering to pull tape but on the way in to work today the van in front of me decided that today was the day he'd start braking at GREEN lights. I was maybe a foot away from hitting his dumb rear end. I assumed something had happened in front of him but no, just stopping at green lights today  If I'd known that I would have leaned on the horn the whole time.In other news I saw this on reddit today: https://www.youtube.com/watch?v=346FO0B_qv8 Puckered up just watching it.
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Jan 29, 2016 21:49
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Takes No Damage posted:In other news I saw this on reddit today: "well, I guess that's kind of cutting the guy off, but you'd have to be a real baby to--" 
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Jan 29, 2016 21:58
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Yeah I should have noted this one is one of those 'wait for it' videos Something that looks like an official U-Haul account commented on the video so hopefully something can be done, but I'm not sure what unless you can prove who was driving the truck at that moment.
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Jan 29, 2016 22:05
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drukqs posted:Let me just preface this by saying... I had already endured 15 minutes of gridlocked surface streets, (only having traveled about a mile) before reaching this interscection, so I am a bit more angried up than usual. I really wish every dashcam video was like this.
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Jan 29, 2016 23:25
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