20 year old two accidents in under 6 months

[Anonymous]

How screwed am I? It already got raised first one. Was annoying that one as other driver reported it. That was a parked car. But driver never followed through for a payment still rate went up.

This one older women dark stretch of road merged left
A bit into lane then braked. My daughters right headlight hit her rear taillight and bumper. And we know insurance anytime a rear end they blame the person who hit the rear bumper.

But my daughter needs car at least to college graduation. So can’t take off policy.

Is there a multiplier effect on two accidents?

[Anonymous]

You really don’t think the rate should have gone up when insurance found out that your daughter hit a parked car?

[Anonymous]

I’d make her start paying car insurance. Or at minimum the difference in increase cost. Otherwise take her off your plan completely and let her fend for herself if she can’t be a responsible driver.

[Anonymous]

Was she intoxicated? These don’t seem like run of the mill accidents? Parked cars? Hitting a car from behind? Do you know how close she had to be following to begin with for that to even happen? I’d get your kids some driver’s Ed.

[Anonymous]

First work on putting together coherent thoughts and sentences.

[Anonymous]

OP the parked card was a super minor scrape pulling into parking spot. But owner called my insurance then he dropped claim so never paid out. But my insurance claimed still accident. Annoying.

This one is a hit. My car drives. I have to file claim which I did as other driver will anyhow.

She can’t pay any of insurance hike. She is in college, she needs car at college. Her major she has to drive to a hospital twice a week and she lives off campus. So I have to suck it up another 18 months.

A third accident she gets dropped and will be uninsurable.

I am really pissed as I was calling the Erie agent literally tomorrow to try get better rate and she had another accident.

I reported to my insurance company. So that sucks. But other women tried to file police report. So I knew she is up to something. Police did not come. Apparently the no longer do police reports or come to scene unless an ambulance is needed. But mere fact she called tells me she was trying to document something.

For now I only care about my rate.

[Anonymous]

Anonymous wrote:I’d make her start paying car insurance. Or at minimum the difference in increase cost. Otherwise take her off your plan completely and let her fend for herself if she can’t be a responsible driver.

When I had an accident while on my parents’ insurance, I had to pay the increase in premiums.

[Anonymous]

Anonymous wrote:OP the parked card was a super minor scrape pulling into parking spot. But owner called my insurance then he dropped claim so never paid out. But my insurance claimed still accident. Annoying.

This one is a hit. My car drives. I have to file claim which I did as other driver will anyhow.

She can’t pay any of insurance hike. She is in college, she needs car at college. Her major she has to drive to a hospital twice a week and she lives off campus. So I have to suck it up another 18 months.

A third accident she gets dropped and will be uninsurable.

I am really pissed as I was calling the Erie agent literally tomorrow to try get better rate and she had another accident.

I reported to my insurance company. So that sucks. But other women tried to file police report. So I knew she is up to something. Police did not come. Apparently the no longer do police reports or come to scene unless an ambulance is needed. But mere fact she called tells me she was trying to document something.

For now I only care about my rate.

You are really over the place. Your posts are incoherent and poorly written. You are at fault. What can DCUM do?!

[Anonymous]

Anonymous wrote:OP the parked card was a super minor scrape pulling into parking spot. But owner called my insurance then he dropped claim so never paid out. But my insurance claimed still accident. Annoying.

This one is a hit. My car drives. I have to file claim which I did as other driver will anyhow.

She can’t pay any of insurance hike. She is in college, she needs car at college. Her major she has to drive to a hospital twice a week and she lives off campus. So I have to suck it up another 18 months.

A third accident she gets dropped and will be uninsurable.

I am really pissed as I was calling the Erie agent literally tomorrow to try get better rate and she had another accident.

I reported to my insurance company. So that sucks. But other women tried to file police report. So I knew she is up to something. Police did not come. Apparently the no longer do police reports or come to scene unless an ambulance is needed. But mere fact she called tells me she was trying to document something.

For now I only care about my rate.

Ok twice you’ve said you were annoyed that the owner of the car YOUR DAUGHTER HIT called it in to their insurance but then didn’t follow through. What is wrong with you? This isn’t the time to blame others. Yes they both will go on your policy and there will most likely be an increase. Your daughter has a problem that you need to address. Is it drinking like a pp suggests? Your daughter could kill someone while intoxicated and then you will have much more serious problems. If she was not intoxicated I would like to suggest a good driving program for her we sent both of our kids to a cop-run driving school. Money well spent. Neither has ever had an accident or a ticket

[Anonymous]

There needs to be a database of insurance scammers such as the lady who got hit because they are the real problem not the young drivers. Young drivers are more afraid and these people take advantage to get free massages, pain pills and fix up their already broken cars.

[Anonymous]

OP. These were both roads right by my house. One at 12 noon and one at 6 pm. She is underage and not drinking. Both times I went to scene of accident as at home.

This women literally apologized. The new bike lanes they added may Road narrow at that stretch she moved to left suddenly brakes and daughters right front headlight area hit her rear tail light area.

I guarantee insurance will claim a rearrangement end. She will change story. Hope she does not. But I only care about my rate.

And no she can’t pay difference. My only alternative is to drop her off policy. But who will take her. Under 21 two accidents.

BTW I already kicked other older kid off policy over accident. But she moved out. That one was a nice old lady who cut her off. Her daughter who owned car a bit of con artist. Showed up at scene whispering with her and cop in another language and next thing I know she sued me.

My kids need to learn defensive driving. Nearly all every week someone nearly hits me and I swerve, brake, honk horn and try to keep a lot of distance from other cars. I think I my kids overestimate others driving ability and honesty and costing me a fortune. I would like to check into defensive driving course as that might also lower rate

[Anonymous]

Anonymous wrote:

Anonymous wrote:OP the parked card was a super minor scrape pulling into parking spot. But owner called my insurance then he dropped claim so never paid out. But my insurance claimed still accident. Annoying.

This one is a hit. My car drives. I have to file claim which I did as other driver will anyhow.

She can’t pay any of insurance hike. She is in college, she needs car at college. Her major she has to drive to a hospital twice a week and she lives off campus. So I have to suck it up another 18 months.

A third accident she gets dropped and will be uninsurable.

I am really pissed as I was calling the Erie agent literally tomorrow to try get better rate and she had another accident.

I reported to my insurance company. So that sucks. But other women tried to file police report. So I knew she is up to something. Police did not come. Apparently the no longer do police reports or come to scene unless an ambulance is needed. But mere fact she called tells me she was trying to document something.

For now I only care about my rate.

Ok twice you’ve said you were annoyed that the owner of the car YOUR DAUGHTER HIT called it in to their insurance but then didn’t follow through. What is wrong with you? This isn’t the time to blame others. Yes they both will go on your policy and there will most likely be an increase. Your daughter has a problem that you need to address. Is it drinking like a pp suggests? Your daughter could kill someone while intoxicated and then you will have much more serious problems. If she was not intoxicated I would like to suggest a good driving program for her we sent both of our kids to a cop-run driving school. Money well spent. Neither has ever had an accident or a ticket

OP the Parker car annoyed as he called it in to my insurance. I did not report it then since it was minor
He told my insurance company forget about it as no time to deal with bringing it in for a quote. So he raises my rate with no claim. He should have had my insurance fix it, not called my insurance company or let me pay him direct. In end he raised my rates but did not get his scratch fixed.

Last night I did not call other ladies insurance. I called mine. If she decides not to report I will drop my claim. I am not going to Jam that old lady up. But I reported it to my company as she may be a con artist. I am hopping she does not report at all. I could fix my car pretty easy myself. I would leave scratches and just replace cracked headlight.

But I dont trust her 100 percent as her family could encourage her to sue

[Anonymous]

Your daughter needs remedial instruction. You could start with having her evaluated by a good driving school. They can make some suggestions. The problem is that driving is largely habitual, people indulge in multiple layers of distraction, and they are more being taken for a ride by a powerful machine than actually driving it.

There is something called the “Smith System.” It’s five key points are 1. Aim High · 2. The Big Picture · 3. Keep Your Eyes Moving · 4. Leave Yourself an Out · 5. Make Sure They See You. These are easy to articulate but it really takes a meticulous instructor and an attentive student to put the ideas together with real life experience in space and time.

It would be helpful if your daughter bore some consequence to help her identify and learn from her mistakes, and encourage her to improve her attention and skills. You are justifiably upset about the greedy behavior of the insurance company in raising rates when it suffered no loss. You justifiably want a person who sounds like they failed to yield and then misused their brakes. But the fact remains that your daughter struck a stationary object (sounds like too big a hurry and/or lack of care), and failed to anticipate another driver’s (mis)behavior. Focusing on how you/your daughter have been wronged will get you nowhere. It’s much more productive for your daughter to identify her own part in these unfortunate events and work to develop better habits and skills.

[Anonymous]

Anonymous wrote:Your daughter needs remedial instruction. You could start with having her evaluated by a good driving school. They can make some suggestions. The problem is that driving is largely habitual, people indulge in multiple layers of distraction, and they are more being taken for a ride by a powerful machine than actually driving it.

There is something called the “Smith System.” It’s five key points are 1. Aim High · 2. The Big Picture · 3. Keep Your Eyes Moving · 4. Leave Yourself an Out · 5. Make Sure They See You. These are easy to articulate but it really takes a meticulous instructor and an attentive student to put the ideas together with real life experience in space and time.

It would be helpful if your daughter bore some consequence to help her identify and learn from her mistakes, and encourage her to improve her attention and skills. You are justifiably upset about the greedy behavior of the insurance company in raising rates when it suffered no loss. You justifiably want a person who sounds like they failed to yield and then misused their brakes. But the fact remains that your daughter struck a stationary object (sounds like too big a hurry and/or lack of care), and failed to anticipate another driver’s (mis)behavior. Focusing on how you/your daughter have been wronged will get you nowhere. It’s much more productive for your daughter to identify her own part in these unfortunate events and work to develop better habits and skills.

Thanks my frustration is there is no reason.

The parking spot was bizzare. She had a part time job at a camp. At lunch she ate her brown bag lunch in car 30 minutes but moved car to other side of lot under tree for shade. Away from kids. She then drive back to other side of lot and slowly pulled into spot. A parent with kid came walking nearby in left so as she pulled in slightly to right. I was like why did you not just wait. She had no explanation.

Yesterday same thing. I am like last came into your lane, did you honk horn, did you slam on brakes, why were you so close. It was stretch of old George Town road with new bike lanes very very tight. I would never drive next to another car I would speed up it slow down, there has been a lot of accidents in that section. Looks like women was in right lane then bike lane stated and shifted left. But she needs to realize that was going to happen. She needs defensive driving

[Anonymous]

She doesn't "need" a car. She wants a car and now you get to pay for it. Sell car and have her uber/ride a bike to from job. Lots of people live without a car -- she should be one of them!