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Can I get a do-over? - Printable Version +- Drunkard's Walk Forums (http://www.accessdenied-rms.net/forums) +-- Forum: General (http://www.accessdenied-rms.net/forums/forumdisplay.php?fid=1) +--- Forum: General Chatter (http://www.accessdenied-rms.net/forums/forumdisplay.php?fid=2) +--- Thread: Can I get a do-over? (/showthread.php?tid=9325) |
Can I get a do-over? - jpub - 07-04-2008 Managed to rear-end someone today. My car has nasty damage (which could mean the insurer writes it off, and I still owe $2k), I had to pay a $100 ticket, and now I'm carless. So, now I have to pay to rent a car (since my insurance doesn't cover Loss of Use, even though I thought it did), because if I don't I can't take care of my Dad's cat properly. Probably have to pay for a cab too. *Sigh* Today sucks epically. - Wiregeek - 07-04-2008 it's not a fix, but once you've got wheels again, see about taking a Defensive Driving Course, to reduce the impact on your license and insurance - I did, after ten years of driving, and managed to learn some stuff, too! "No can brain today. Want cheezeburger." From NGE: Nobody Dies, by Gregg Landsman http://www.fanfiction.net/s/5579457/1/NGE_Nobody_Dies - jpub - 07-04-2008 Doesn't work like that here, unfortunately. Sask's No Fault and point-based system ghrants you nothing for taking those courses. - Bob Schroeck - 07-04-2008 Geeze, that sucks bigtime. Sorry to hear it, Chris, and I hope it resolves better than it looks to right now. -- Bob --------- Then the horns kicked in... ...and my shoes began to squeak. - jpub - 07-06-2008 So, I've been talking to a friend who owns a car dealership, and he tells me I want to get my car written off. Now, this sounds bizarre to me, but he explains. I bought my car (2003 Mits Galant ES) for $14k. Average price for ones with similar milage (65k) is over $10k. Since write-off price is based on *replacement* cost, not Blue Book (well, in Canuckia it's called the Black Book) value, I'd get about $10k. Given I still owe $2k on my car, I can pay that off and get a 'newer' used car (probably a 2007 compact or 'intermediate') for $15-18k, meaning although I'd still have to pay a monthly payment (and not be done with it as I would be in March), I'd get away with a *far* lower payment, and likely superior gas milage (since the Galant does about 19mpg in city). Fun. Now I just need the fscking ajuster to CALL me so I can figure out how my life is going to work out. Freaking insurance people. |