Do YOU have uninsured motorists coverage? (56k take your time)
#1
Do YOU have uninsured motorists coverage? (56k take your time)
Tuesday, April 10th my 88T2 suffered a blown ECU fuse on the way to work at 6:15am est.
This is what it looked like that morning, though I had a set of spray painted gold T2 wheels on it instead.
At 6:35am my ride comes to take me to work after I park my T2 on the side of I-81, mile marker 2 in eastern TN, near White Pine. I was nearly hit by a minimum of TWO truckers who crossed the white line. I presumable left my DD 2-3ft on the other side of the white line, on the other side of a set of rumble strips.
8:38am I get a call from my grandmother stating my vehicle was tagged by the Tennessee Highway Patrol for removal from the roadway (Sticker says 7:53am)
At around 11am forum member RoughRex drives by my car.
around the same time I call my mother to come get my keys to pick up my car from the side of the road.
I recieve a phone call from one of my friends returning home to white pine at 1:30pm asking me if my car was on the side of the road, I told him yes, and he asks me if i need any help with parts....I tell him no that its nothing but a blown fuse.
2pm my mother and grandfather phone my grandmother to phone me to tell me my car was hit on the side of the road. The SAME THP officer to put the sticker on the car came out to write up the report as well. They nearly get creamed by a car hauler as he too crosses the white line. Go TN Move Over law....
I come home at around 5pm to this (might wanna get a tissue):
The damage above was caused, according to my own assertations, as well as my grandfather (a truck driver of more years than ive lived), that a tractor trailer hit my vehicle with the very last trailer tire as the driver awoke to the sound of his tires on the rumble strip and seeing the lil red car coming up fast next to his cab.
There was nothing of my mirror near the car save a couple small pieces of mirror glass.
My accident is a Hit and Run by a commercial driver...whom would have lost his privelege to work and drive had he STOPPED and reported the accident himself when it happened. As he did not this falls under the "No fault" law in the state of TN. However my liability only insurance coverage did not include "Uninsured Motorists" which would have been the case here.
So before you take your rotary to the next DGRR, or get it cranked up after a few years sitting, take the time and get yoru insurance coverage settled right...
For me...I have to inspect the suspension still, but Im now in the market for a used 87-88 T2 rolling shell, minus motor/tranny.
This is what it looked like that morning, though I had a set of spray painted gold T2 wheels on it instead.
At 6:35am my ride comes to take me to work after I park my T2 on the side of I-81, mile marker 2 in eastern TN, near White Pine. I was nearly hit by a minimum of TWO truckers who crossed the white line. I presumable left my DD 2-3ft on the other side of the white line, on the other side of a set of rumble strips.
8:38am I get a call from my grandmother stating my vehicle was tagged by the Tennessee Highway Patrol for removal from the roadway (Sticker says 7:53am)
At around 11am forum member RoughRex drives by my car.
around the same time I call my mother to come get my keys to pick up my car from the side of the road.
I recieve a phone call from one of my friends returning home to white pine at 1:30pm asking me if my car was on the side of the road, I told him yes, and he asks me if i need any help with parts....I tell him no that its nothing but a blown fuse.
2pm my mother and grandfather phone my grandmother to phone me to tell me my car was hit on the side of the road. The SAME THP officer to put the sticker on the car came out to write up the report as well. They nearly get creamed by a car hauler as he too crosses the white line. Go TN Move Over law....
I come home at around 5pm to this (might wanna get a tissue):
The damage above was caused, according to my own assertations, as well as my grandfather (a truck driver of more years than ive lived), that a tractor trailer hit my vehicle with the very last trailer tire as the driver awoke to the sound of his tires on the rumble strip and seeing the lil red car coming up fast next to his cab.
There was nothing of my mirror near the car save a couple small pieces of mirror glass.
My accident is a Hit and Run by a commercial driver...whom would have lost his privelege to work and drive had he STOPPED and reported the accident himself when it happened. As he did not this falls under the "No fault" law in the state of TN. However my liability only insurance coverage did not include "Uninsured Motorists" which would have been the case here.
So before you take your rotary to the next DGRR, or get it cranked up after a few years sitting, take the time and get yoru insurance coverage settled right...
For me...I have to inspect the suspension still, but Im now in the market for a used 87-88 T2 rolling shell, minus motor/tranny.
#4
Originally Posted by banzaitoyota
This is a reason why you have a triple A card or pony up for a tow truck. Sure makes that $90/year for AAA Plus seem like chump change.
#6
I Love Cookies!
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bummer......don't give up on it, i bet you could hammer out the wheelwell and install a new quarter panel. if you know what your doing nobody could ever tell, plus you would still have a clean title.
Drew
Drew
#7
Kinda...Uninsured apparently isnt apart of Direct's Liability policies or i turned it down when i renewed....though im thinking im gonna drop the policy once my NA is sold this weekend and i limp the t2 back onto concrete... That panel may be fixable, however the underbody damage has yet to be seen.
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#8
Rotary Supremacist
iTrader: (1)
Wow, your taillight survived. That amazes me. I dunno, I'd have to see it in person but it looks fixable if the body itself is still straight. It would be one hell of an undertaking though, something for a really good body tech.
Those pictures make me wanna toss my waffles man.
Those pictures make me wanna toss my waffles man.
#11
Senior Member
Join Date: Oct 2006
Location: Tennessee
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Holy ******* ****... if my digital cam wasnt dead, I would throw my 85 pics on here from the other day.
-puke-
*sigh* Im 23, I have AAA...
It has saved my nuts ton of times..
but thats beyond the point..
-lights up one for the 7s- <- is ******* scary
-puke-
*sigh* Im 23, I have AAA...
It has saved my nuts ton of times..
but thats beyond the point..
-lights up one for the 7s- <- is ******* scary
Last edited by Hellbent1stN2ndownr; 04-13-07 at 09:25 AM.
#12
Rotaries confuse me
iTrader: (7)
Originally Posted by banzaitoyota
This is a reason why you have a triple A card or pony up for a tow truck. Sure makes that $90/year for AAA Plus seem like chump change.
#13
What Subscription?
Join Date: Apr 2001
Location: Aiken SC USA
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not to bust on you when you are down, but maybe someone will take this to heart. You had enough money for 18" rims but you scrimp on insurance, a back up plan (AAA) or having enough money sent aside for emergencies such as this. Perhaps you need to get something less expensive until you can care for it properly.
#14
SideWayZ The Only Way
iTrader: (11)
[QUOTE=FirstRotaryExp]Well, considering im only 22, and at the time i got insurance i was 18, AAA would not carry me. And a tow truck would have been about 100 minumum/QUOTE]
no to be rude but i bet you wish you paid that 100 dollars now huh??
also what is DGRR
no to be rude but i bet you wish you paid that 100 dollars now huh??
also what is DGRR
#15
Originally Posted by banzaitoyota
not to bust on you when you are down, but maybe someone will take this to heart. You had enough money for 18" rims but you scrimp on insurance, a back up plan (AAA) or having enough money sent aside for emergencies such as this. Perhaps you need to get something less expensive until you can care for it properly.
I currently dont have the money to fix this, IRS is wanting a nice healthy chunk of money, the equivalent of buying my NA again...
#16
It's Radiation Therapy
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Originally Posted by FD3S2005
what is DGRR
Look in the events section of the forum. Looks like we will have over 100 cars there this year. It's next weekend April 20-22.
www.dealsgaprotaryrally.com
#17
Old Rotary Dog
quick note - this is covered by your collision insurance (if you had it), not uninsured motorist. it is definitely not covered by liability. if you have any collision ins on the car then it should be covered, and your insurance company is screwing with you.
-bill
-bill
#18
It's Radiation Therapy
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kinda... Collision would cover it (if you had it) in any collission. However, uninsured motorist will cover it in the event you have no collision insurance and you can prove that the damage was caused by another driver (or any MOVING road obstacle for that matter) that either has no insurance, does not have enough insurance, or in hit and run instances.
I did a quick google and found this texas government site:
http://www.tdi.state.tx.us/commish/columns/cc0802.html
I did a quick google and found this texas government site:
http://www.tdi.state.tx.us/commish/columns/cc0802.html
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