There is a reason why they make people get drivers licenses-SO YOU CAN LEARN HOW TO DRIVE

Ugh, now I have no car and I already had back problems but when I got hit my seat belt didn't work and my airbag didn't deploy so I slammed into the steering wheel. Mom says I'll be sore tomorrow and to go to the hospital then. This is like the last thing I need

12/9/2010 10:29:45 PM

super cool story

12/9/2010 10:30:40 PM

hope everything buffs out for you RachelMarie

12/9/2010 10:31:16 PM

They took er jerbs???

12/9/2010 10:31:54 PM

you have the shittiest luck

that sucks, hope you feel better soon

12/9/2010 10:32:22 PM

hooray painkillers!

12/9/2010 10:32:31 PM

Somebody put a curse on you?

12/9/2010 10:32:52 PM

can I have the drugs they give you?

12/9/2010 10:34:03 PM

kadwackle soul mate?

12/9/2010 10:34:05 PM

i hate to be a debbie downer, but getting a driver's license has nothing to do with learning how to drive.


i'm sorry, that was kind of an asshole thing to say. you do have the worst luck.

12/9/2010 10:35:21 PM

Quote :

"Somebody put a curse on you?"

I seriously think so. On my whole family.

I would say yay painkillers but I doubt they will give me any since I already had some this month for my back problems. Fucking fuck.

12/9/2010 10:35:23 PM

How did you know he was an illegal immigrant?

Boom. Actual racism.









jk that didn't really fit. Those damn aliens!

12/9/2010 10:35:30 PM

She told me she was and that she didn't have a drivers license so she didn't want to file a police report. TOO BAD.

There is a 99.9% chance that they won't give me painkillers even if they did I need them. My back has been killing me for the past month so much that I can't get out of bed(pinched nerve).

[Edited on December 9, 2010 at 10:41 PM. Reason : even]

12/9/2010 10:37:49 PM

[Edited on December 9, 2010 at 10:38 PM. Reason : ]

12/9/2010 10:38:31 PM

were they from Quebec or Ontario?

12/9/2010 10:38:40 PM

this should be good

12/9/2010 10:40:37 PM

She had 2 kids in the car. No insurance. I have liability only on my piece of crap car.
Again fucking fuck.

12/9/2010 10:40:59 PM

^^ i just spat toothpaste the computer screen.

12/9/2010 10:41:22 PM

Awww, you poor thing. You have the worst luck ever! It's just soooo unfair!!!



Since the seatbelt didn't work and the airbag didn't deploy, I bet you could sue the mess out of the manufacturer. But I'm sure something would go horribly wrong with that, too.

Good luck, dude! I'll keep you in my prayers!

12/9/2010 10:42:07 PM

hate to say it, but even most people with licenses cant drive

12/9/2010 10:44:16 PM

I'm just relieved to know the piece of plastic the government gave me with my picture on it means i'm competent to drive. Yay government!

12/9/2010 10:47:05 PM

Quote :

" Since the seatbelt didn't work and the airbag didn't deploy, I bet you could sue the mess out of the manufacturer. But I'm sure something would go horribly wrong with that, too."

It's a 1993 Honda so half the stuff on it doesn't work. I don't know if they would do anything about it since it's so old. It passed inspection but they didn't check stuff like that.

Quote :

"hate to say it, but even most people with licenses cant drive"

Also very true. But most people have insurance at least.

[Edited on December 9, 2010 at 10:49 PM. Reason : /]

12/9/2010 10:48:45 PM

If you had it inspected, I'm pretty sure you can definitely sue.

Seat belts are not supposed to just stop working cause a car is old.

Did you at least have the officer make note of a seat belt failure in the report?

12/9/2010 11:03:41 PM

No, but I will call them tomorrow and tell them about that and the air bag.

12/9/2010 11:11:46 PM

12/9/2010 11:13:01 PM

I was in too much shock at the time to say much but the basics to the officers. I was more concerned about her two children that were in the car at the time than she was...wtf.

Good thinking though. I will call the police dept tom and make note of the seat belt/air bag failure.

[Edited on December 9, 2010 at 11:15 PM. Reason : /]

12/9/2010 11:15:18 PM

Did you know she was illegal and didn't have insurance before or after you insisted on calling the cops?

I'm not saying I wouldn't be pissed but if the INS gets involved, I'm pretty sure you have made her and her kids' life a lot worse than she has made yours.

12/9/2010 11:19:23 PM

Gotta get off computer because my neck is already hurting. May be back. I'll probably be up all night, pissed off and in pain.

Quote :

"Did you know she was illegal and didn't have insurance before or after you insisted on calling the cops? "

No, I didn't call the cops. We were blocking the road since her car was literally stuck to mine and we couldn't move. The cops came on their own.

[Edited on December 9, 2010 at 11:21 PM. Reason : /]

12/9/2010 11:19:28 PM

oic. not much you could do in that case then.

12/9/2010 11:22:41 PM

boo fucking hoo Bad things happen in life.... get over it. Don't come on TWW attention-whoring and looking for pitty.

12/9/2010 11:24:18 PM

That's what TWW is for. I shall bitch with freedom.

12/9/2010 11:27:20 PM

Tarpon, please play along.

I'm trying to test the limits of attention whoredom.

RachelMarie obviously holds the record, but I'd like to see just how far and how long this subject can go.

12/9/2010 11:27:31 PM

I've held the record for YEARS.

I have to get off the computer though so it shall have to continue another time.

12/9/2010 11:37:43 PM

Quote :

"I have liability only on my piece of crap car. "

Are you not in NC? In NC, uninsured/underinsured insurance is required

12/10/2010 7:52:59 AM

i remember when some downy kid hit my car in a campus parking deck

12/10/2010 7:54:09 AM

If they're an illegal, then they can't get a driver's license.

and for good measure...

ATTN: WHORE

12/10/2010 7:56:36 AM

Quote :

"Are you not in NC? In NC, uninsured/underinsured insurance is required"

are you sure? how does that work? even if it IS required, if the person drives off and there's no police report, how do you file a claim? what would make that different than full coverage?

12/10/2010 7:58:29 AM

Quote :

"I'm not saying I wouldn't be pissed but if the INS gets involved, I'm pretty sure you have made her and her kids' life a lot worse than she has made yours."

aw, you poor illegal immigrant, don't worry I won't call the cops, I don't want any more white guilt

12/10/2010 8:00:04 AM

Quote :

"Are you not in NC? In NC, uninsured/underinsured insurance is required"

Yes she should have this, you can't get a policy in NC without it. The minimum is $30k bodily injury, $60k bodily injury for multiple passengers, and $25k property damage. So if your car was worth less than $25k and you sustained less than $30k in hospital/doctor bills then you're fully covered. You also mentioned that you have been having back pain before the wreck so I'd consult a lawyer. Your insurance company may try to sweep most of your ailments under that pre-existing condition.

12/10/2010 8:02:32 AM

Quote :

"if the person drives off and there's no police report, how do you file a claim? what would make that different than full coverage?"

12/10/2010 8:04:05 AM

2 wrecks in a month? I'd quit driving if I were you.

12/10/2010 8:04:32 AM

my car got totaled by an unlicensed, uninsured driver in january 2009

i didn't dicksuck up on the wolf web crying about it

here is a pic in case anyone is interested

the real story is that she plowed into a fucking apartment building at parkwood village



[Edited on December 10, 2010 at 8:09 AM. Reason : ...]

12/10/2010 8:07:01 AM

Less than $30K in hospital bills. What's that, like a nosebleed?

12/10/2010 8:07:07 AM

Quote :

"If the person drives off and there's no police report, how do you file a claim? what would make that different than full coverage?"

Typically the uninsured/underinsured coverage would pay for hit-run bodily injury to you (whether you are driving or a pedestrian/side of the road/etc) but not the property damage (your car). Other than collision/comprehensive would cover the damage to your car in a hit-run situation I believe.

It's all spelled out in your policy contract in plain english.

EDIT: I don't really know what full coverage means but you'd file the claim just like you'd file any other claim. (I also assume you'd get a police report for a hit and run)

[Edited on December 10, 2010 at 8:09 AM. Reason : ]

12/10/2010 8:08:31 AM

I may be mistaken, but I was under the impression that if you don't get a police report you can not file an insurance claim (for an accident). Is that the case? I've always heard it mentioned when people decide to not call the cops for a fender bender that its on honesty policy from there on

[Edited on December 10, 2010 at 8:08 AM. Reason : ]

12/10/2010 8:08:35 AM

Quote :

"Typically the uninsured/underinsured coverage would pay for hit-run bodily injury to you (whether you are driving or a pedestrian/side of the road/etc) but not the property damage (your car). Other than collision/comprehensive would cover the damage to your car in a hit-run situation I believe."

This is wrong. I was the victim of a hit and run in October, and after I called the police on the spot and filed a hit and run report, I only had to pay a $100 deductible (repayed when they get the money from the uninsured... which never happened, don't be surprised if you never see your $100 again) and my car was fully taken care of.



There's no police report? If you drove away from the scene, then you're shit out of luck. You should have called the cops. I don't think you have any course of action at all at this point.

[Edited on December 10, 2010 at 8:17 AM. Reason : ]

12/10/2010 8:16:54 AM

^maybe your insurance policy is different. Mine specifically states:

Quote :

"We do not provide Uninsured Motorists Coverage for property damage caused by a hit-and-run vehicle whose operator or owner cannot be identified."

My OTC coverage states it will cover "Malicious mischief or vandalism". Also uninsured coverage typically does not have a deductible that I am aware of it (at least on my policy there is no deductible).

Quote :

"There's no police report? If you drove away from the scene, then you're shit out of luck. You should have called the cops. I don't think you have any course of action at all at this point."

I think ThePeter was posting a hypothetical, it sounds like RachelMarie got a police report. In any event, the police are not required to file a report if the damage is below a certain threshold (it's somewhere under $2k) and there is no bodily injury at the time. That is why insurance companies used to encourage drivers to carry a disposable camera in their car (before camera phones were pretty much standard). You are also required by law to provide your insurance info in a fender bender. They can always give you false info but that is why you take pictures and write down their license plate # (and even take a picture of it) in a situation like that.

I've been rear-ended by a guy and was lucky enough for a cop to witness it. He told me he wasn't going to file a report or write the other guy a ticket but gave me his number and told me to call if I had trouble getting paid from the insurance company (or the guy, the guy really wanted to pay it out of pocket and not involve his insurance company).

[Edited on December 10, 2010 at 8:39 AM. Reason : ]

12/10/2010 8:36:40 AM

Yeah, I just posted a question more or less irrelevant to the OP

but here's a police sketch of the accident (stolen from Sweden)



[Edited on December 10, 2010 at 8:39 AM. Reason : lkj]

12/10/2010 8:39:35 AM

also illegal immigrant who

12/10/2010 8:43:55 AM

Quote :

"whose operator or owner cannot be identified.""

Maybe that's the difference? I was able to get a police report filed and find the girl who hit me. It was a hit and run, though, which is a low class felony. It seems like, from Rachel's post, that the Mexican lady hit her, didn't want to file a report, and so they both left the scene and Rachel filed one later? That doesn't make a whole lot of sense though.


As long as RachelMarie can prove the Mexican lady hit her, and that she has no insurance, she should have no problem getting the car and herself taken care of. She needs to call her insurance company and figure it out, though.

12/10/2010 8:47:59 AM