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Crash, bang, wallop...

Crash, bang, wallop...

Old Jun 1st 2013, 6:51 am
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Default Crash, bang, wallop...

So a few weeks ago I got into a car accident, even though it was low speed (35 mph) I still got banged up pretty bad, I still have bruising etc. In my almost 11 years in the US this was my first accident so I got to sample the delights of car insurance claims and to be honest it effin annoys the crap out of me! Don't get me wrong Geico have been awesome but Michigan is a 'no fault' state, so even though I was in no way responsible I still have to pay the deductibles around $300 ggggrrrrr, rant over, carry on
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Old Jun 1st 2013, 1:06 pm
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Default Re: Crash, bang, wallop...

Originally Posted by Ash UK/US View Post
So a few weeks ago I got into a car accident, even though it was low speed (35 mph) I still got banged up pretty bad, I still have bruising etc. In my almost 11 years in the US this was my first accident so I got to sample the delights of car insurance claims and to be honest it effin annoys the crap out of me! Don't get me wrong Geico have been awesome but Michigan is a 'no fault' state, so even though I was in no way responsible I still have to pay the deductibles around $300 ggggrrrrr, rant over, carry on

Can you claim the deductible from the other's insurance?
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Old Jun 1st 2013, 2:52 pm
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Default Re: Crash, bang, wallop...

Sorry to hear that Ash. 35mph is a good lick (is going to cause a fair amount of pain even if no bones are broken), so I hope you are making a good recovery.
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Old Jun 1st 2013, 4:06 pm
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Default Re: Crash, bang, wallop...

Originally Posted by Ash UK/US View Post
So a few weeks ago I got into a car accident, even though it was low speed (35 mph) I still got banged up pretty bad, I still have bruising etc. In my almost 11 years in the US this was my first accident so I got to sample the delights of car insurance claims and to be honest it effin annoys the crap out of me! Don't get me wrong Geico have been awesome but Michigan is a 'no fault' state, so even though I was in no way responsible I still have to pay the deductibles around $300 ggggrrrrr, rant over, carry on
yes, but you can get what is called "broadform" collision which you don't have to pay if the accident isn't your fault.
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Old Jun 1st 2013, 4:06 pm
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Default Re: Crash, bang, wallop...

Originally Posted by Scouse Express View Post
Can you claim the deductible from the other's insurance?
no
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Old Jun 1st 2013, 4:08 pm
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Default Re: Crash, bang, wallop...

Originally Posted by Ash UK/US View Post
Michigan is a 'no fault' state,
a drunk driver with a blindfold on reversing down the pavement runs over your little girl.

your car insurance pays her medical bills.


how do you like them apples?
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Old Jun 1st 2013, 4:13 pm
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Default Re: Crash, bang, wallop...

Originally Posted by Manc View Post
yes, but you can get what is called "broadform" collision which you don't have to pay if the accident isn't your fault.
Or, you can get the hell out of Michigan, like certain other people did.
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Old Jun 1st 2013, 4:53 pm
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Default Re: Crash, bang, wallop...

Who?
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Old Jun 1st 2013, 5:41 pm
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Default Re: Crash, bang, wallop...

Originally Posted by Manc View Post
yes, but you can get what is called "broadform" collision which you don't have to pay if the accident isn't your fault.
Yes we have broad form collision so their is no deductible on the car as I was not at fault, however because I was hurt in the accident and had to go to urgent care there is a $300 deductible on medical claims, Geico told me that it will bounce back to health insurance, however we have a HSA and pay everything out of pocket up to $1700 before the insurance kicks in so I am basically stuck paying it.
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Old Jun 1st 2013, 5:42 pm
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Default Re: Crash, bang, wallop...

Originally Posted by Scouse Express View Post
Can you claim the deductible from the other's insurance?
Nope... Not even via small claims court.
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Old Jun 1st 2013, 5:42 pm
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Default Re: Crash, bang, wallop...

Originally Posted by MMcD View Post
Who?
Jan...she went to Alaska...now she's got the hell out of there too.

Hope you are OK Ash...sorry to hear about the accident.
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Old Jun 1st 2013, 5:44 pm
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Default Re: Crash, bang, wallop...

Originally Posted by Pulaski View Post
Sorry to hear that Ash. 35mph is a good lick (is going to cause a fair amount of pain even if no bones are broken), so I hope you are making a good recovery.
Hope you are OK Ash...sorry to hear about the accident.
Thanks, getting there, I still have some colorful bruising even now. Crazy lady pulled right out in front of me.... $8000 worth of damage to my car
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Old Jun 1st 2013, 6:20 pm
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Default Re: Crash, bang, wallop...

Originally Posted by Jerseygirl View Post
Jan...she went to Alaska...now she's got the hell out of there too.

Hope you are OK Ash...sorry to hear about the accident.
.....now she is back in Michigan.

Manc got out


Hope you are ok Ash, sorry to hear you were banged about
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Old Jun 1st 2013, 11:39 pm
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Default Re: Crash, bang, wallop...

Originally Posted by Manc View Post
a drunk driver with a blindfold on reversing down the pavement runs over your little girl.

your car insurance pays her medical bills.


how do you like them apples?
It's still a bag of wank though.

Same thing in MA.
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Old Jun 1st 2013, 11:54 pm
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Default Re: Crash, bang, wallop...

Glad to hear you're ok. We've never lived in a 'no-fault' state and hope we never do after hearing your story!
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