Rear-ended by fat kid in a Civic
 

A couple of weeks ago I was waiting for a school bus to finish unloading when a fat kid in a 2000 Civic rolled into the back of me. Of course he had no insurance and for some inexplicable reason kept calling me "dawg".

"You can't take my picture dawg - that's illegal! I know my rights!"

Didn't do a lot of damage but the fascia will have to be replaced - it is dinged, cracked, and sheared off the mounts. The repair cost per the estimate is $1500 for new fascia, emblems, and two-tone paint. I could file with my insurance and get a replacement Nismo fascia or I could pay for it myself and go with aftermarket.

I searched but none of the offerings had any appeal to me over the OEM. Anyone that has in mind an exceptionally epic bumper please do share a link or photo.

damn sorry to hear that...did you get a police report?

A lot of people like the amuse front..or 2015 nismo is becoming very popular as well

Insurance company would cut you a check and couldn't care any less whether you put stock, Nismo, tyte-jdm stuff, or a 2x6 to replace it.

sue the bastard! Hate when this happens. I would file it under your insurance. But then it will likely go up a bit.

Bay speed does our oem bumpers in carbon. Reasonable price too

Once I heard he had no insurance, I insisted. That's when I took a pic of him and he became irate and called 911.

I agree, but that's not the issue - it's whether I want to file a claim and risk elevated premiums. My daughter was recently in an accident and I'm pushing my luck, so ideally I'd rather not file a claim.

Thanks, I will certainly check them out.

EDIT: Looked at their site and only saw one bumper but not OEM.

Wtf, HE became irate?

If I recall correctly, if the other driver does not have insurance and it was his fault, your insurance company doesn't raise your premium, however, you are out of pocket for the deductible. You might want to speak to your agent just to find out.

i'm an underwriter... your rates should not go up for something that's not your fault... if they do, find another insurance company... someone hit me several years ago that didn't have insurance... i filed a claim with my insurance company and they paid for the repair minus my deductible... they then went after the uninsured motorist and sued for their money back... first check they cut was back to me to reimburse me for my deductible... driving without insurance is against the law and people should have to suffer the consequences

Usually these cases don't raise your premiums

Are you concerned about future vehicle value? I'd pay it out of pocket if you're concerned about it. An accident on carfax could drop your value far more than $1500.

I hope not. I have USAA which is a good company. I plan on discussing my options and consequences with them.

I agree that chubs should be given a ticket. He called his "mom" and she sent a photo of the insurance card and he showed it to the officer. Turns out he's not covered under her policy. There should be additional penalties for deception. Be nice if the coverage and eligible drivers/vehicles could be verified on the spot.

This happened to me before when a lady rear ended my truck. She paid her first month premium and when she received her ID card she cancelled the policy, but still had the ID to use all year.

A non-issue for me.

sorry to hear...

thought the title read 'Rear ended by a fat kid on a bicycle' ..

This is a good point for some people to consider. I have quality repair work done for things like minor scrapes and dings but I always pay out of pocket because I don't want an "accident" or "damage report" on the car just because I had a panel resprayed.

They definitely have one. I almost bought their whole oem kit in carbon last year. I spoke with them on the phone about it a few times

An excellent point. I don't let myself get too caught up in those type of monetary considerations. One never knows what might happen tomorrow, especially with property that depreciates. I just drive it and if something happens, it happens. I try not to get too attached. Not to take anything away from your point - it makes great sense and a smart way to protect the value. It also prevents your insurance company from adding a surcharge...

His premium shouldn't go up a cent if he's not at fault.

The same thing happened to me except a car backed into mine (parking lot) and was considered a hit and run. I got a deal with the body shop that they'd reimburse me for a new front bumper (aftermarket), and insurance would cover all the labor. Maybe you could work out a cool deal too, good luck:tup:

Something like this has never crossed my mind. How would you verify that she has coverage, then? Call the company and give them the policy number?

Not all fat people are ********!!!


;-)

OP! I think I found the person who hit you.

Man that's a great title for a thread... :bowrofl:

True - but they are all fat...

:rofl2:

Did you think if he was slim the damage would not have been as bad :icon17:LoL. No seriously sorry to hear about this. I will tell you just like mentioned before to file suit, he is not covered on his mothers policy, in general it is to my understanding that he basically violated the law with the exception of New Hampshire unless things have changed. He did not get ticketed but should have if he was not on the insurance card or policy. He is also very lucky he did not injure you or anybody else for that matter. It would have changed from a civil offense to criminal and most likely would have been arrested. Make sure you get checked out by a physician because even though you may not see or feel any pain right now, it could later develop over time and the specific underlying cause could've been this accident. I would also try to get back with the police department to push the issue to get him fined/ticketed so you can have a stronger leg to stand if you or your inusrance company decides to file suit. These kind of things take time but will be worth it in the long run. IMHO I would not replace a Nismo bumper with anything but a OEM Nismo bumper, that is just my OCD. Really it depends on what you want and can afford. USAA usually cuts the body shop a check to repair the damage. I have been with USAA for 16 years and they are really good about taking care of their customers. The main thing is that you are ok and no one got hurt, although it sounds like pork chop could use a diet, and better upbringing/morals as well as driving skills.:ughdance:

Luckily for me and my Z it wasn't a hard hit - he just rolled into me. But you are exactly right. Sometimes it takes a few days to start hurting and if you tell everyone you're OK at the time and then a week later come back with "OH - my neck!..." it can sound disingenuous, shall we say.

File under uninsured motorist coverage. As I told someone else this morning, if you do not have uninsured motorist coverage in Texas, you should add it like yesterday! It should not cost you a deductible, and it should not affect your rates. It will affect the resale of the vehicle so ask for some extra $$ for diminished value if you want.

I've been hit at least 4 times by someone with no license and no insurance. My rates have never been affected.

Btw, Texas is a one party consent state, which means as long as you are part of the conversation, you are permitted to record it without anyone else's consent. I set my phone to video as soon as an accident occurs - I walk around a look like I'm taking photos, but it's also recording audio. Try and get them to admit fault and apologize while you're recording. I actually put someone without insurance on the phone with my insurance company and had them admit fault while we were still at the scene of the accident (what an idiot lol).

Houston also
 

The police should NOT let these no insurance people off so easily. The police can get instant verification from their in car computer when they run the plate. Happened to me with the Tx Highway Patrol.
JarBlu Good Info!

So let me this right, the car was insured, but the kid wasn't so they don't have to pay anything??? Use your insurance man, that what its for, I would never come out of pocket for anything and I pay my premiums on time every month especially if you were not at fault. I would sue the mom just for the hell of it, call me wrong if you like, but no way in hell am I paying my deductible and having my car damaged and her and her fat *** son gets off with nothing.

Happy ending
 

Ok I filed with my insurance. They're going to cover everything with a $250 uninsured motorist deductible instead of the $1000 collision deductible, provide a rental car and gas and a lifetime warranty on repairs since it's one of their prequalified repair shops.

They'll try to recoup from the fat kid and if they do (I told them I'd hold my breath) they'll refund my deductible.

Then I can have my new hood painted and installed...

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Sounds like a reasonable solution :tup:

Hope you get your car back soon :driving:

:tup:

also no snacks for one year for fat kid! :mad: