Got hit head on while waiting in turn lane, what can I expect?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:why were you sitting in the center turning lanes if "both directions were clear"? (I understand the bad guy from the strip mall is liable, just trying to figure out what you were doing)

It’s a very fast and busy 4 lane street and that’s just how it’s done. Thank God I was because had I plowed forward it would have been catastrophic. And please stop grilling me on it, it’s been determined on every single level including him admitting fault. He has no insurance and a record. This guy has a history of this.

all agreed - except it's not necessarily legal to use the center turning lanes as a merge lane.
also, this is why we carry uninsured motorist policies.
there are tons of un- and under insured and unlicensed drivers on the road.

Yes we do, but they can/will raise your premiums now. Car insurance really sucks.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:why were you sitting in the center turning lanes if "both directions were clear"? (I understand the bad guy from the strip mall is liable, just trying to figure out what you were doing)

It’s a very fast and busy 4 lane street and that’s just how it’s done. Thank God I was because had I plowed forward it would have been catastrophic. And please stop grilling me on it, it’s been determined on every single level including him admitting fault. He has no insurance and a record. This guy has a history of this.

all agreed - except it's not necessarily legal to use the center turning lanes as a merge lane.
also, this is why we carry uninsured motorist policies.
there are tons of un- and under insured and unlicensed drivers on the road.

It’s legal as long as you aren’t driving in it and you’re stopped. You’re not allowed to drive in and drive over 200 feet in it. If you stop it is legal.

it's legal to hang out stopped in a center turning lane? hmm, did not know that

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:why were you sitting in the center turning lanes if "both directions were clear"? (I understand the bad guy from the strip mall is liable, just trying to figure out what you were doing)

It’s a very fast and busy 4 lane street and that’s just how it’s done. Thank God I was because had I plowed forward it would have been catastrophic. And please stop grilling me on it, it’s been determined on every single level including him admitting fault. He has no insurance and a record. This guy has a history of this.

all agreed - except it's not necessarily legal to use the center turning lanes as a merge lane.
also, this is why we carry uninsured motorist policies.
there are tons of un- and under insured and unlicensed drivers on the road.

Yes we do, but they can/will raise your premiums now. Car insurance really sucks.

It did not raise our premiums and it shouldn't raise yours

[Anonymous]

Anonymous wrote:

Anonymous wrote:Police report, my insurance and the insurance he had (that dropped him, he gave policy # at the scene knowing he didn’t have insurance) all determined he was at fault. He admitted fault in his statement. Can I get some advice on navigating the actual insurance to make sure it’s determined totaled and they don’t give me back a car that’s been in a serious accident, it’s not really in question who was at fault in this situation.

There’s nothing wrong with a strip mall, it’s not some nefarious comment as someone mentioned, it’s a very nice “strip” mall with fancy restaurants. It’s just to point out he entered from a side parking lot and you have to yield to current traffic in the road when you come in (boulevard rule) especially when there is not light and you don’t have the right of way.

You need a lawyer

And the lawyer will tell you to go through your insurance company. There's nothing to gain to go after a motorist with no money and apparently only car damage -- exactly what insurance is for. Where can I send my bill?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:why were you sitting in the center turning lanes if "both directions were clear"? (I understand the bad guy from the strip mall is liable, just trying to figure out what you were doing)

It’s a very fast and busy 4 lane street and that’s just how it’s done. Thank God I was because had I plowed forward it would have been catastrophic. And please stop grilling me on it, it’s been determined on every single level including him admitting fault. He has no insurance and a record. This guy has a history of this.

all agreed - except it's not necessarily legal to use the center turning lanes as a merge lane.
also, this is why we carry uninsured motorist policies.
there are tons of un- and under insured and unlicensed drivers on the road.

Yes we do, but they can/will raise your premiums now. Car insurance really sucks.

It did not raise our premiums and it shouldn't raise yours

https://www.sallymorinlaw.com/will-making-an-uninsured-motorist-claim-raise-my-insurance-rates/

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:why were you sitting in the center turning lanes if "both directions were clear"? (I understand the bad guy from the strip mall is liable, just trying to figure out what you were doing)

It’s a very fast and busy 4 lane street and that’s just how it’s done. Thank God I was because had I plowed forward it would have been catastrophic. And please stop grilling me on it, it’s been determined on every single level including him admitting fault. He has no insurance and a record. This guy has a history of this.

all agreed - except it's not necessarily legal to use the center turning lanes as a merge lane.
also, this is why we carry uninsured motorist policies.
there are tons of un- and under insured and unlicensed drivers on the road.

It’s legal as long as you aren’t driving in it and you’re stopped. You’re not allowed to drive in and drive over 200 feet in it. If you stop it is legal.

it's legal to hang out stopped in a center turning lane? hmm, did not know that

I wasn’t hanging out, it was seconds. Legally you are allowed to stop there but you’re not allowed to drive longer than 200 feet. What do you want? It was admitted fault by the driver himself. Why can’t you just accept I wasn’t at fault? What is the obsession with this.

[Anonymous]

Police determined from photos that bc I was stopped and my tires were straight and in the line, I was not at fault and had the right of way.

[Anonymous]

Op no need to call anyone a loser. You know very little about this person. I realize this is very frustrating and obviously the guy is not in the best place generally but just really not a good look or necessary.

I think you just have to exercise some patience. This is why you have uninsured motorist insurance. Your insurance will handle everything and they will either 1) completely fix the car and it will be a nonissue or 2) total the car and reimburse you. You may need to make sure you get a decent price given the car issues right now, and it would be better if it never happened but will still be mostly made whole

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:why were you sitting in the center turning lanes if "both directions were clear"? (I understand the bad guy from the strip mall is liable, just trying to figure out what you were doing)

It’s a very fast and busy 4 lane street and that’s just how it’s done. Thank God I was because had I plowed forward it would have been catastrophic. And please stop grilling me on it, it’s been determined on every single level including him admitting fault. He has no insurance and a record. This guy has a history of this.

all agreed - except it's not necessarily legal to use the center turning lanes as a merge lane.
also, this is why we carry uninsured motorist policies.
there are tons of un- and under insured and unlicensed drivers on the road.

It’s legal as long as you aren’t driving in it and you’re stopped. You’re not allowed to drive in and drive over 200 feet in it. If you stop it is legal.

it's legal to hang out stopped in a center turning lane? hmm, did not know that

I wasn’t hanging out, it was seconds. Legally you are allowed to stop there but you’re not allowed to drive longer than 200 feet. What do you want? It was admitted fault by the driver himself. Why can’t you just accept I wasn’t at fault? What is the obsession with this.

Op this pp didn’t even say anything about this meaning you were at fault, just was surprised this was legal. Legal or not it doesn’t really speak to who is at fault. Just stop responding to folks about this and it will die down. I think you got the info you needed

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:why were you sitting in the center turning lanes if "both directions were clear"? (I understand the bad guy from the strip mall is liable, just trying to figure out what you were doing)

It’s a very fast and busy 4 lane street and that’s just how it’s done. Thank God I was because had I plowed forward it would have been catastrophic. And please stop grilling me on it, it’s been determined on every single level including him admitting fault. He has no insurance and a record. This guy has a history of this.

all agreed - except it's not necessarily legal to use the center turning lanes as a merge lane.
also, this is why we carry uninsured motorist policies.
there are tons of un- and under insured and unlicensed drivers on the road.

It’s legal as long as you aren’t driving in it and you’re stopped. You’re not allowed to drive in and drive over 200 feet in it. If you stop it is legal.

it's legal to hang out stopped in a center turning lane? hmm, did not know that

I wasn’t hanging out, it was seconds. Legally you are allowed to stop there but you’re not allowed to drive longer than 200 feet. What do you want? It was admitted fault by the driver himself. Why can’t you just accept I wasn’t at fault? What is the obsession with this.

It's not legal in Virginia. https://law.lis.virginia.gov/vacode/title46.2/chapter8/section46.2-804/

Where the middle lane of a highway is marked on both sides with a solid line immediately adjacent to a broken line, such middle lane shall be considered a left-turn or holding lane and it shall be lawful to drive to the left of such line if the solid line is on the right of the broken line for the purpose of turning left into any road or entrance, provided that the vehicle may not travel in such lane further than 150 feet

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:why were you sitting in the center turning lanes if "both directions were clear"? (I understand the bad guy from the strip mall is liable, just trying to figure out what you were doing)

It’s a very fast and busy 4 lane street and that’s just how it’s done. Thank God I was because had I plowed forward it would have been catastrophic. And please stop grilling me on it, it’s been determined on every single level including him admitting fault. He has no insurance and a record. This guy has a history of this.

all agreed - except it's not necessarily legal to use the center turning lanes as a merge lane.
also, this is why we carry uninsured motorist policies.
there are tons of un- and under insured and unlicensed drivers on the road.

It’s legal as long as you aren’t driving in it and you’re stopped. You’re not allowed to drive in and drive over 200 feet in it. If you stop it is legal.

it's legal to hang out stopped in a center turning lane? hmm, did not know that

I wasn’t hanging out, it was seconds. Legally you are allowed to stop there but you’re not allowed to drive longer than 200 feet. What do you want? It was admitted fault by the driver himself. Why can’t you just accept I wasn’t at fault? What is the obsession with this.

It's not legal in Virginia. https://law.lis.virginia.gov/vacode/title46.2/chapter8/section46.2-804/

Where the middle lane of a highway is marked on both sides with a solid line immediately adjacent to a broken line, such middle lane shall be considered a left-turn or holding lane and it shall be lawful to drive to the left of such line if the solid line is on the right of the broken line for the purpose of turning left into any road or entrance, provided that the vehicle may not travel in such lane further than 150 feet

It wasn’t in VA

[Anonymous]

Anonymous wrote:Op no need to call anyone a loser. You know very little about this person. I realize this is very frustrating and obviously the guy is not in the best place generally but just really not a good look or necessary.

I think you just have to exercise some patience. This is why you have uninsured motorist insurance. Your insurance will handle everything and they will either 1) completely fix the car and it will be a nonissue or 2) total the car and reimburse you. You may need to make sure you get a decent price given the car issues right now, and it would be better if it never happened but will still be mostly made whole

I know that his driving record was so bad that he was uninsurable. Yes that is a loser. Sorry if you disagree. I have kids and don’t want people like this on the road.

[Anonymous]

OP all of this doesn't really matter since he doesn't have insurance. Are you going to sue him? Sure he was at fault but that doesn't matter unless you are going to sue him directly.

There is no way for any of us to know what your insurance will do with your car. If they total it you will now have a new car payment which will suck because even getting a new car is going to cost you more than what your insurance will pay. Or they will fix your car and you will have to pay your deductible.

Either way you could sue the guy but will get 0 on a totaled car because your insurance has paid you for it or the cost of your deductible that you had to pay to get your car fixed. Courts don't allow you to double dip and have both your insurance and other driver pay you.

[Anonymous]

My teen is taking I Drive Smart behind the wheel now (IDS BTW = driving sessions required to get license). IDS instructors are all former cops. Anyway, instructor told DD that 20% (20% !) of drivers on the road are driving with a suspended license. While I find that stat a little hard to believe, if you add in drivers who are uninsured or underinsured, I could completely believe that number. All I can do is be sure we're all sufficiently insured.

[Anonymous]

Anonymous wrote:I called his previous policy and it was on record he admitted fault in the statement. He gave a policy knowing it was dropped so he wouldn’t be arrested on the scene for driving without insurance. He did not have a current policy. He was dropped from his due to previous record.

You don’t get arrested for driving without proof of insurance. It’s just a ticket.