Speed of light

iTrader: (8)

Originally posted by 4CN air:

NEVER, Never admit fault. I cannot overstate this. You must understand how law and the so-called justice system works in order to fully appreciate how important this point is. Fault is for the courts to determine. As was pointed out in other posts, even though you feel your speed played a part in this, it is still just an opinion and may not be relevent (under law or otherwise) or even an admissable factor in judgment of your matter.

In most states, the law requires your insurer to pay up regardless of determination of fault. Insurance companys, as a matter of course, will then negotiate with or sue each other for recovery on behalf of their insured. (NOTE: This is not the same as no-fault.) I don't think that there are many, if any conditions, that would abrogate an insurer's responsibility to its insured (except maybe certain acts of god or a war) Certainly, nothing here that would affect you. You are fully covered, right?


Originally posted by FDnewbie:

Exactly. Agreed. The other driver engaged in what is more formally known as an "unsafe turning movement."


Incidently, was there any evidence that the driver of the truck was drinking? Or was he on a cell phone at the time [of the accident]? Was he checked for sobriety? If there is any evidence of alcohol being a factor, it would likely seal this one....

TT_Rex_7

I think he was just telling us that it was "his fault" by speeding and what not. I don't think he told the cops it was his fault.

-Alex

4CN Air

iTrader: (7)

bingo, I know how to handle cops (regretably from experience). He tried to pin it on me everyway he could. He tried to get a speed out of me multiple times. Then he tried it on my friends. "You guys racing?" , "No! Well you were going a little over the limit right?" Well luckily my friends and I have been around the block a few times. He even asked me if I had a cell phone in the car and if I was on it.

Didn't breathalize me or even ask.

Here is the insurance situation:

There is full coverage on the vehicle, I am under my parents insurance and therefor can drive any of their vehicles and be covered. My father is the primary driver on the vehicle. Now the tricky part, because of my license suspension (accumulation of points) the insurance requested that my parents sign an exclusion paper that would keep me from being covered while driving their vehicles. It hasn't been signed yet but it's going on two months since they notified us. However just two days prior to this event a new insurance card for the 7 was sent to my house. So the insurance is def still on the vehicle. The only question is is there a clause somewhere on that exclusion paper that says after so many days it automatically goes into effect??

I will find out, I'm calling right now! I'll keep everyone posted.

bajaman

4 CN Air - Hey man...I wasn't trying to bust your *****, just trying to point out that you had/have a lot going against you and you need to be a little more careful is all. I run my FD hard too, and everyone on this Forum knows what these cars can do. You just have to ALWAYS expect the unexpected from other drivers....THAT is what keeps you out of accidents. Much like an engineer's Failure Mode Effects Analysis in which the questions are asked, "What is the WORST that can happen?", we as drivers have to be asking ourselves questions like, "Okay, what the **** is that old lady going to do? What about that semi over there? Why the hell is that idiot drifting over to my lane?" etc, etc.

When I was younger I was CONSTANTLY pulled over simply because I was a long-haired hippie driving sports cars that these cops were just envious of, knowing their lives SUCKED....lol! ANY young or youthful looking driver is suspect in most cops' eyes...so be careful....some of them are 'gunning' for you.

Same goes for MOST people on the road, especially non-enthusiasts driving mundane mini-vans and of the mindset of 'why would ANYONE ever want to drive so fast?' I've dealt with these types all my life, I've had both men and women actually chase after me and try to start some **** just because they took offense to how I was driving. And I am not a reckless driver, I am talking about passing someone driving 65 in a 65 and I want to do 75 and they get all bent just because they got passed, indignant at the atrociousness of my act...lol!

Anyway...just take some advice from a 44 year old guy that has seen a lot in my life of loving cars and enthusiastic driving.

4CN Air

iTrader: (7)

I agree, that's why I say it's still "my fault", maybe not in the eyes of the law but because it happened and I didn't avoid it. I know better, there are a lot of poor drivers out there and it's as much my responsibility to watch their driving as it is to watch my own.

Yeah the cops in the small town i grew up in were gunning for me from birth. My father used to cause a lot of havoc, high speed chases, burning out in front of police departments, general mischief. He was 20 and had roadrunners, GTX's, cuda's and a dislike of authority. He lost his license for 7 years and set me up to fall when it came to confrontations with police officers.

I constantly get compared to him because I lost my license. However my citations were brought on by my loud cars. We moved and my new neighbors decided they didn't like the noise I made going to school in the morning. So they would report that was car was speeding through the development. Well one day before school the cops waited at the end of the road for me, with their lights on! They said I was speeding and I ran a stop sign (which would have been impossible for them to see). There's 6 points right there. Add that to two previous citations within that year and there goes the license.

Everyone thought purchasing the FD would be my downfall, but so far not a single ticket. leaves to knock on wood

FDNewbie

iTrader: (10)

Yea, I forgot to mention that. The name may vary. Here they call it "improper lane change," which is the EXACT term I used to describe what happened to the cop in my situation lol. Speaking THEIR lingo REALLY clicks in their heads haha

I was thinking maybe he was even sleeping at the wheel!

Alex, maybe I'm closer on the spectrum to paranoid than most, but in such a case, I would NEVER admit guilt directly - especially in writing, such as here on the forum. This isn't considered heresay... If a cop was smart, figured you were on the forum, he could use your own written statements against you. Hook, line, and sinker. That's why I keep my mouth shut until EVERYTHING'S resolved, and the case is closed. At that point, you can blab about how you were guilty of this and that until the world's end, because you can't be tried for the same crime twice (double jeapordy).

4CN Air

iTrader: (7)

The previous comments made under the user name '4CN Air' were of a fictitous nature. Any resemblance to real life events is unintentional and should be disregarded. This username is left logged in on a computer that is accessible to multiple users, therefore any comments made cannot be taken as fact, or as the words of any certain individual. Please enjoy the previous posts as a mock accident that has the sole purpose of educating the rotary community on proper lane changing procedures.

1QWIK7

iTrader: (33)

damn, when i read the thread i was like damn not again!!

but when i saw the pics i felt relieved..looks like an easy fix..the accident sucks of course but thank god its not unfixable

good luck bro

FDNewbie

iTrader: (10)

Niiiice! Very well said

`sl!mXP

wait so it was all a joke?

4CN Air

iTrader: (7)

that post was more of a disclosure

FDNewbie

iTrader: (10)

I think you mean "disclaimer"

TT_Rex_7

I totally agree, I don't think its paranoia at all. I would'nt have told a soul until it was all over. I was just stating that I don't think he told the cops it was his fault.

-Alex

BlueRex

Yep. My brother once unknowingly crossed a double white (not to say he unknowingly changed lanes, but he didn't know it was a double white) and was hit by a speeding driver. The insurance company and police decided it was his fault because he crossed the double white. And that's the story of how he totaled his prelude.

To make it more interesting he had no insurance or license at the time.

FDNewbie

iTrader: (10)

Sounds like brother needs a beat-down lol Get my drift? lol. Man, if that was my bro, I would WHOOP his a$$. Not cuz this or that is illegal, but that's just dumb.

In VA, it's 100% AGAINST THE LAW to even get a restricted license if you're caught driving w/o a license or on a suspended license. So basically, you're def. screwed, and for a while. But I can understand for some reason you HAVING to drive w/o a license (who knows what the emergency may be), but w/o no insurance too?? GET HIM! lol. He's the reason I pay an extra .... oh wait... it's only like $29 extra every 6 months. Scratch that... As you were.

BlueRex

Haha, I won't argue with that. He lost his license again (first time for six months, second time for a year) after his second DUI, not to mention tons of speeding tickets. He has his license back now and it doesn't seem like anything has changed and now he drives an RX-7 don't worry it's an FC .

And for all you nervous FD owners out there, don't worry I think we're from a different gene pool.

BlueRex

Believe me we have arguements all the time about his driving habits, atleast now I can convince him to let me drive him somewhere if he's under the influence. As far as you paying his debt to society, would it make you feel better if you knew that he pays $300+ a month for liability insurance and more than $500 for full coverage? It's soo bad even Eastwood can't insure him...

gcthree

One of the pre-requisites of owning a 3rd gen car is mandatory attendance of a performance driving school such as Bondurant or Derek Daly's academy. I'd be curious to see just how many owners have ever participated in one of these schools. In addition to intimately learning about vehicle dynamics (what actually happens to a car when you turn, accelerate, brake), you will also walk away with a bunch of skills that will pay huge dividends while driving on the street....and probably avoid being in this sort of situation in the first place. And all for the price of a high-end intercooler.....

FDNewbie

iTrader: (10)

You read my mind!

DAMN. That's when you KNOW it's bad. Wow. I'd think w/ such a premium, he'd know he simply can't AFFORD to drive like that...

turbojeff

iTrader: (30)

Figure the insurance company is covering him for $25-50K liability. He's proven he is risky, it takes quite a few $300/mo payments to cover $25K.