Got hit, just bought the car the same day - Zilvia.net Forums | Nissan 240SX (Silvia) and Z (Fairlady) Car Forum

gosu22 · 07-30-2007, 06:02 PM

We both have allstate insurance. My policy may have expired, but I'm told by family that I can pay to have the expired part of the insurance renewed.

How does insurance work?

If they choose to pay with their insurance, how much am I going to get if it's for a rear quarter panel that I got quoted $2,600 to fix?

eastcoastS14 · 07-30-2007, 06:10 PM

better hope ur insurance doesnt just total ur car out...salvage title is no good

gosu22 · 07-30-2007, 06:18 PM

I'm like, 99% sure they'll salvage it if they go the route of insurance. I'm also going to be insanely ticked off if that happens.

My question is, does my insurance "work"?

Even assuming I had no insurance, wouldn't they still have to pay me for damages to my car?

Baka Sama · 07-30-2007, 06:37 PM

your lucky. If you would have got hit here in GA without ins your ass would be sitting up in jail right now.

Farzam · 07-30-2007, 06:39 PM

Before I ever buy a car, I call my insurance and give them the VIN # and tell em to insure it.

dmragecm · 07-30-2007, 10:33 PM

if your policy was expired during the time of the accident then they probably wont pay for the damages. why didnt u just insure the car?

jrocslider · 07-30-2007, 10:40 PM

Quote:

Originally Posted by gosu22

We both have allstate insurance. My policy may have expired, but I'm told by family that I can pay to have the expired part of the insurance renewed.

i dont think thats how it works. if you didnt have insurance at the time of the accident than the other people are going to use that against you so they get away lookin like the good people. when i was t boned a couple of months ago i called my sister up at state farm where she works who insured me and i tried switchin to full coverage instead of liability and she told me that it was already reported and if i didnt have it at the time of the accident it still wouldnt be honored. idk how it works in cali but i'm thinkin it'll most likely be the same. no insurance at the time of the accident and ur most likely out of luck.

Farzam · 07-30-2007, 11:17 PM

I mean...why would they let you upgrade after the accident and have it reflect upon that accident?

They'd lose money.

Baka Sama · 07-30-2007, 11:39 PM

Quote:

Originally Posted by jrocslider

i dont think thats how it works. if you didnt have insurance at the time of the accident than the other people are going to use that against you so they get away lookin like the good people. when i was t boned a couple of months ago i called my sister up at state farm where she works who insured me and i tried switchin to full coverage instead of liability and she told me that it was already reported and if i didnt have it at the time of the accident it still wouldnt be honored. idk how it works in cali but i'm thinkin it'll most likely be the same. no insurance at the time of the accident and ur most likely out of luck.

If you got tboned and it wasnt your fault than your car will be fixed either way. Full coverage is only useful if you hit someone.

boosted98gst · 07-30-2007, 11:46 PM

Hope you get everything worked out.

Vision Garage · 07-31-2007, 03:19 AM

yea, sounds like if insurance was expired they probably wont honor it. If i was the company i wouldnt. But good luck. Hopefully everything works out. Im guessnig this is a s13?

jrocslider · 07-31-2007, 08:32 AM

Quote:

Originally Posted by Baka Sama

If you got tboned and it wasnt your fault than your car will be fixed either way. Full coverage is only useful if you hit someone.

at the scene of the accident it was quoted that it was no ones fault because of the conditions... stupid shit like traffic and a misunderstanding on who was turning where.

!Zar! · 07-31-2007, 09:01 AM

If it's a 240 and you were hit, chances are they are going to pay you out and salvage title the car. 240's aren't worth that much. By you stating you got hit sounds like the other party hit your car. So even if you don't have insurance you are covered.

When insurance is expired, it's expired. You can't pay to have any damages retroactive to when you were insured covered. That would be dumb.

I know that most insurance companies cover you for a couple days if you buy a car from a dealership but I don't know if the same goes for private party.

Evil240 · 07-31-2007, 09:18 AM

if you didnt have insurance... you are assed out.

what do you mean when you say your policy "MAY" have expired? did you buy from a personal seller? or a dealer? if it was a dealer... did you buy insurance?

usually.. if you have a car, and you purchase a new car, all you have to do is call your insurance company to let them know that you will be rolling it over to the new car. god i hope u did that

07-30-2007, 06:02 PM	#1
gosu22 Leaky Injector Join Date: Oct 2006 Location: sf Posts: 112 Trader Rating: (1) Feedback Score: 1 reviews	Got hit, just bought the car the same day We both have allstate insurance. My policy may have expired, but I'm told by family that I can pay to have the expired part of the insurance renewed. How does insurance work? If they choose to pay with their insurance, how much am I going to get if it's for a rear quarter panel that I got quoted $2,600 to fix?

07-30-2007, 06:39 PM	#5
Farzam Post Whore! Join Date: Sep 2006 Location: Los Angeles (SFV) / Raleigh, NC Age: 34 Posts: 5,185 Trader Rating: (1) Feedback Score: 1 reviews	Before I ever buy a car, I call my insurance and give them the VIN # and tell em to insure it. __________________ loading HATERS.....99% ███████████████]

07-30-2007, 11:17 PM	#8
Farzam Post Whore! Join Date: Sep 2006 Location: Los Angeles (SFV) / Raleigh, NC Age: 34 Posts: 5,185 Trader Rating: (1) Feedback Score: 1 reviews	I mean...why would they let you upgrade after the accident and have it reflect upon that accident? They'd lose money. __________________ loading HATERS.....99% ███████████████]

07-31-2007, 03:19 AM	#11
Vision Garage Nissanaholic! Join Date: Apr 2007 Location: USDM Land Posts: 1,799 Trader Rating: (9) Feedback Score: 9 reviews	yea, sounds like if insurance was expired they probably wont honor it. If i was the company i wouldnt. But good luck. Hopefully everything works out. Im guessnig this is a s13? __________________

07-31-2007, 09:01 AM	#13
!Zar! Post Whore! Join Date: Nov 2004 Location: North Korea Posts: 14,579 Trader Rating: (27) Feedback Score: 27 reviews	If it's a 240 and you were hit, chances are they are going to pay you out and salvage title the car. 240's aren't worth that much. By you stating you got hit sounds like the other party hit your car. So even if you don't have insurance you are covered. When insurance is expired, it's expired. You can't pay to have any damages retroactive to when you were insured covered. That would be dumb. I know that most insurance companies cover you for a couple days if you buy a car from a dealership but I don't know if the same goes for private party. __________________

07-30-2007, 06:10 PM	#2
eastcoastS14 Post Whore! Join Date: Oct 2006 Location: the land of snow potholes and no tracks Posts: 3,984 Trader Rating: (1) Feedback Score: 1 reviews	better hope ur insurance doesnt just total ur car out...salvage title is no good

07-30-2007, 06:18 PM	#3
gosu22 Leaky Injector Join Date: Oct 2006 Location: sf Posts: 112 Trader Rating: (1) Feedback Score: 1 reviews	I'm like, 99% sure they'll salvage it if they go the route of insurance. I'm also going to be insanely ticked off if that happens. My question is, does my insurance "work"? Even assuming I had no insurance, wouldn't they still have to pay me for damages to my car?

07-30-2007, 06:37 PM	#4
Baka Sama Zilvia FREAK! Join Date: Jun 2002 Location: Metro Atlanta Age: 41 Posts: 1,130 Trader Rating: (0) Feedback Score: 0 reviews	your lucky. If you would have got hit here in GA without ins your ass would be sitting up in jail right now.

07-30-2007, 10:33 PM	#6
dmragecm Zilvia Addict Join Date: Nov 2005 Location: nawff jerrrsey Age: 38 Posts: 779 Trader Rating: (6) Feedback Score: 6 reviews	if your policy was expired during the time of the accident then they probably wont pay for the damages. why didnt u just insure the car?

07-30-2007, 11:46 PM	#10
boosted98gst Zilvia Junkie Join Date: May 2006 Location: oceanside Age: 42 Posts: 389 Trader Rating: (3) Feedback Score: 3 reviews	Hope you get everything worked out.

07-31-2007, 09:18 AM	#14
Evil240 Zilvia Junkie Join Date: Oct 2005 Location: california Posts: 318 Trader Rating: (0) Feedback Score: 0 reviews	if you didnt have insurance... you are assed out. what do you mean when you say your policy "MAY" have expired? did you buy from a personal seller? or a dealer? if it was a dealer... did you buy insurance? usually.. if you have a car, and you purchase a new car, all you have to do is call your insurance company to let them know that you will be rolling it over to the new car. god i hope u did that