so today some old man hits the corner of my rear bumper today while it was parked and i was inside, im glad he didnt just run away. very hard to find honest people like this nowadays. anyways cracked my rear bumper right in half at the drivers corner. but thats it thank ***, if the rear quarter panel got injured or my taillight, then i would be a lil frustrated but its not. so im ok. he said " i guess you want my insurance info" and i said "well if thiers another way you want to work this out, its ok with me " and he said "ooh ya.. sure" so he doesnt get this on his insurance record and because i just dont have insurance, of coarse i didnt tell him this and i played it very well. so hes giving me 300 bucks tomorrow. think thats enough to replace or repair a cracked bumper that needs to be painted anyways?

Im debating what to do.. im thinking repair it with the polyeurathane bondo. ive worked with it before and i can trust my own work.

 

I would've gone for $500 at least, seeing that even though the paint sucks, your imaginary insurance would've repaired it.

You can get a new GM bumper for $300, an A/M one for $150 or a used one for $75 from Hawks.

http://www.hawksthirdgenparts.com/in...il?v=1&pid=218

I picked up a nice front bumper up from a wrecker for $75 and sanded it myself back in the day when I had my Firebird.
Got the car painted shortly after.

. ..or you could just try to fix it if you think it's not that bad.

 

You could, then pay earl sheib to respray it.

Actually earl sheib would probably do the whole job for 3 bills easy. They fixed my f*cked up passenger side after I got rammed for $150 bucks

 

actually i already planned to take it to earl schieb for the full paint job eventually. except im doing the stage 3.. true clearcoat, pearlescent ect. ect.. like 900 bucks but a 7 year warranty isnt bad at all either.

also im not trying to rip people off, and im just happy he didnt run like i always see people do.
300 is plenty for me, i may just put it towards finishing my engine.

 

I'm sure Earl paints them well if you pay for the better job like you specified.

I don't think you would've been ripping him off, I'd say he just got off easy.
An insurance company would've cleared over $1000 worth of damages.

 

but like i said i dont even have insurance. so i couldnt get too cocky.

and comon. we are talking about thirdgens, 1k? and the car is a total loss lol

 

Haha, true, but trust me, if you "cashed out" you would've gotten at least that.
Reputable companies would have a claims adjuster price the parts/paint and that is well over that.
Even a cheapo Scheib/Maaco would barely cover it.

 

your right, my loss.
oh well i think i can survive.

sucks none the less, but now its time to improve on my bodywork skills.

i trust myself over a bodyshop lol

 

buy a used red bumper

 

actually to fix it through insurance Im sure it would be alot more. when my mom got rear ended in the vette the only damage was to little tiny nicks(rubbed some of the urathane off) from the license plate bolts. they patched it with the some urathane and painted the rear bumper and the cost to the lady's ins. company was a little over $1000

 

ya, judging by what terrel said, the camaro woulda been a total lol

 

It is ridiculous the Blue Book Value of a Thirdgen isn't it?

 

They don't just go off of blue book,they also look at what the same car in like conditions sell for in you area.I got 5 g's for my stang.

 

nice job....
but am i the only one that thinks your a dick for driving with no insurance? it's not that expensive unless you have been in alot of accidents or gotten alot of tickets (the type of people who realy NEED to have insurance) i have a moving violation on my record and i am only 21 driving a "sports car" and my insurance is only 800 a year

only idiot stoner teenagers drive with no insurance

your not an itiot stoner teenager are you?

(note: if the car is w/o insurance because you don't drive it or it has no engine ignore this rant, if not GET INSURANCE)

 

maybe if you knew me in real life like every other poster in this thread, it would make more sense.

im just gonna choose to ignore you either way.

 

oh, ok.

 

WTF you mean old people? I resemble that remark.

But, ya know old folks generally do have insurance?

 

why pay $200 a month when you have nothing to loose if you do hit someone, most people have insurance if you hit someone who doesnt have insurance well than your both ****ed haha....

but if you hit someone who has insurnace they are gonna get their car fixed, and all that crap i say its a rip off if you have nothing to loose, like a house, boat or any thing signifigant finacially not that its morally right, but than again who says its right to charge soemone 200 a month for liability with no accidents on your record so idiot stoner no just money smart.

 

well say ya got like 15,000 into your car, you drive 6 months out of the year... 200 * 6 = 1,200

would you rather pay 1200 to drive you car for the summer, or get in an accident with it being your fault, ruining both cars pretty bad.

they call the cops you got no insurance, they take you to court, maybe get sued, you lose your car, with big *** fines, come up with money to fix their car, and if you ever do get insurance to get your car back, in the meantime they have it in the impound racking up charges.

why go through all that hassle?

 

You're young.

You will get older.

You will learn...no use picking apart your reply.

Court judgements with DA's can last for ten yar periods, at which time if they are not paid up, a new judgement can be made and the time extended/renewed.

Insurace is what it is, INSURANCE...plain and simple.

You don' have it, you lose.

You have it, you'll get by.

 

well first of all with a 15K car your REQUIRED to have insurance with a loan or else it gets repo'ed,

now driving around in a 15K car with out insurance is stupid, but if your in a beater who gives a ****

well your screwed if you hit a 15K car thats totaled out and you have minium , if you really want to be protected you could end up hitting a ferrari so you have to be insured for 400g's but thats insurance, who has 400g's in insurance not alot of people, you can have insurance and hit someone and have over 100g's in medial dammage so having insurance is still a risk.

now i my self am insuraed 100/50/50K so im coverd but the logics behind this post dont make sense it can happend to ANYONE. ANYONE can get a judgement with insurance or not just depends on what kind of dammage you do and how much coverage if you have coverage .

now as far as getting a fine well its 1g for no insurance and judgements usually is about 300 fine ontop of that with you agreeing to pay dammages.

 

Sorry to hear about you fortune/misfortune, but I have a rear bumper from an 85 Z with the GFX built in that you can have for $50 shipped. Let me know.
Lawrence

 

Hey Travis, were you insured on your old RS?
Did you just take a loss on it when you f'd it up?


On the insurance topic, you can dance around in circles all you want about how it's not fair or worthwhile.
When it comes down to it, if your car has any value to either you or in general and you don't want to be screwed if you get hit by someone, you protect yourself.

If you don't want to insure your worthless beater because it means nothing if it gets hit, fine, but if YOU hit ME in your piece you better believe I want you or your insurance to pay for it and to leave mine out of it altogether.

 

no i didnt have insurance on the RS, after i wrecked it i got it ouf of impound for 150 and parted it out, came out ahead about 400.

now whoever started the 15k car remark.. if you have 15k invested in a camaro with just liability, and i claim my bumper was damaged, they could still total it and they dont give a **** how much i spent under the hood.

 

whats the point of having comprehensive if you dont deal with your own company...tryign to get money out of other peoples insurance is damn near difficult without a police report taht says they are at fault, thats the beauty of it, your insurnace company pays out and you dont have to get an increase in premium and they have to fight to get the money haah...damn insurance company's

but believe me if i hit your gta *** forbid you drive it im insured

 

I have yet to see pics of the damage.

 

cuz i dont own a camera.

 

What about dr. bills?I would much rather my insurance co. pay for it than pay out of my own pocket.Why not pay for insurance and be covered?I pay 142 a month for 3 cars and I am 26.1 is full coverage,just shop around.It only cost like 1-300 to start.Here in Nevada uninsured motorist only covers medical,not vehicle damage.I know that if somebody hit my car and it had to come out of my wallet,somebody would have a HUGE dentist bill!

 

well the way i look at it, from the day ive owned the car i i would have payed aprox. 2,250 dollars and thats only at minimum coverage, 150/month. now why would i wanna pay that much just so this one time in the last 1.5 years ive had the car,my insurance would give me my minimum deductible(not sure what it is?) 500? dollars. sure the bumper replacement would be alot cheaper if i did it myself, and i wuold think i came out ahead, but in reality,i didnt.

even if the guy hit and ran and i had only collision coverage, i would still pay out of my pocket anyways. i guess the only other reason is cuz its the law, but i take my chances, just as any of you take chances breaking other laws..

 

Uninsured motorist covers if you get hit in a parking lot too.

 

Gent's,

Having insurance is way, way beyond "fixing my car" or Fixing the other guys car".

You may run into someone and only cause a few grand in damag to the car. Cool you say, I'll pay you off and we're square.

That is until you get a knock on the door and get served with papers statng you are getting sued.

Seems now the fender you thought you crunched was the end of it. no, you're now getting sued for unspecified damage "amount above 25K dollars".

No amount needs to be asked, just unspecifed and depends on what lawyers can work out.

So, now you don't have insurance and you have to begin to foot the lawyer bills. And when it's all said and done, you're liabel for these "unspecified damages.

Okay, you say, I have nothing, so what can they take?

Well, to begin with, just about anything in your name, and renew the judgement indefinitely. Now sometime in your future, you'll probably be beyond your current status of not really owning much more than your car, and here they come again...gotcha.

If you had insurance to begin with, lawer fees, would be taken care of (at no cost to your policy comp) and any payout wouold be up to your limit of lability before you yourself needed to pay or fight on.

I could give you personal accounts of this to show you that over time, insurance will pay off, especially in the last 20 years of our su-happy society. I wasn't sued until recently, and without insurance would have lost my ****. You may think you're breaking even or coming out ahead, but the first time you get slapped with a 200K + lawsuit, you'll realize differently.

Off my soapbox, but think about your longterm future, not just next week.

 

Well put

 

how ever back to my point, even with insurance you coudl still be underinsured, most people dont ahve 200K in insurance coverage

some people have good coverage with 50K, most people with homes should have 100K, but like my point being,

for example you rear end a guy on a motorcycle, hes paralyzed waste down and has to be life flighted out, the helicopter ride alone is like $55g's the rest is all downhill your obviously at fault and your insurance is obviously not gonna cover what hes gonna sue you and win for, or all the bills that are gonna add up over 100K not likely but it happens my point is IT CAN HAPPEN EVEN WITH INSURANCE.

 

You're right, sorry if I seem to be targeting your earlier reply...as when I first replied, you seemed to be siding on the "no insurance is okay" side, but see that you mentioned you do have it.

Now, basic insurance coverage can be updated for just a few bucks a month/year. In fact I'll go out on a limb and say for maybe 50 bucks a year more, you'd be able to take a 50k/50K policy, and turn it into a 150/150 policy, maybe higher.

Yes, the guy who sued you will get motre than your policy allows, but you really did make my point...in your example, insurance would cover the first 50K (plus lawyers fees) and you would be liabel for the rest.

Even using your example, and assuming you pay a grand a year, you would have to go 50 years without insurance or accident to break even.

Maybe we're saying the same thing here, just wording it differently?

 

He was siding with no insurance. ..
This doesn't sound like somebody who agrees with it.


Do you have it on the Camaro or the beater Eric?
I thought you didn't have any at all, unless you got some recently.
I don't like paying for it either, but it's like paying for gas, you gotta have it.

 

im coverd on both cars

and the iroc has full coverage

the funny thing is full coverage is only an addional $30 a month

and no i havent had insurance until a couple of months ago, i would make fake insurance every time i got a ticket and get it dismissed....

and im siding with both i think its a waste of money but im also trying to point out you can get sued and not have enough coverage with or without insurance.

 

Gotcha.
I only have liability/unisured motorist on the Supra.
Full on the GTA, but I usually take it off the policy Nov-Feb since I don't drive it, to save some $.

 

i am flat out against mandatory insurance, im sorry, i take my risks just like any other risk in life, thats just the way i think. i hate spending 200 a month on minimum (yes ive got quotes to prove it) i know i cant blame anyone but myself for my driving record that causes a high monthly cost. so ill leave that at that. i said it already but here is my final statement, i know its illegal, i know its thier for the "what if..." factor. i have made my decision, and i will take the risk. and drive without 'valid' insurance.

 

Everyone makes a choice and has thier own opinions, that's what great about a public forum. Main thing is folks have to make an informed decision, if someone read this post and didn't see the alternative, they could wind up in a poor way.

But for arguemnent sake, why are you against mandatory insurance?

If you were run over by an unemployed, uninsured driver, who just totaled your only ride, and you had zero dollars in your bank account and would lose your job if you couldn't drive to work, would you feel the same way?

Or would you be posting "Lost my car, lost my job, I'm now homeless because..."

 

i probably would feel the same way mike, i would be like. damn he wasnt insured, and id be screwed, of coarse i could try to sue but that sometimes doesnt work on the poor, but like i said its a "what if" scenario.

 

Yep, that's where I'm coming from.

Think about the other guy, say you (as a third person, not directed at you) hit a family man who relies on one car to make the bills to feed the family and put a roof over thier head.

His car is toast and he loses his job, and home because of it.

Tough to have that on my mind, when I could have put 800 bucks towards insurance and not the SuperRam for my car that hit him.

But hey, it's all conversation, I'm not harping on anyone, just trying to open some eyes and give my points of view as well.

 

its all good, as long as you dont get angry, hate when that happens over stupid debates, but i love argueing my views at the same time. love ya buddy

 

he really does

 

^ shave hippie

 

travis you open'd yourself up for that one

 

the fix

 

Looks good to me, I wouldn't want to get rid of it for that.

Who needs a Viper?

 

nice lookin repair

 

Insurance Sucks... Agreed!

When my car was running, I had state minimum coverage on it, and it cost me aprox. 125 a month. I wish there was a cheaper way, but I haven't found one yet. I have one accident which went down as an At Fault accident (long story, don't get me started) and my first Thirdgen was totaled, along with the lady I hit's car (brand new Mitsubishi Galant), she also claimed injury about a month after the accident... The insurance company dropped me afterwards, which didn't surprise me, but thank g0d they covered my *** on everything.

Sadly as I said, they decided it was my fault (actually they said dual fault, since there was a third car which caused the accident... she hit him, i hit her) and I got nothing.

After that, I have to say I will carry insurance regardless, because I think it would have been bad if I has no insurance, real bad!

Any ideas on cheap insurance companies that will cover me around here? I'm with Progressive now (about 115 a month, state minimum), which was the lowest I could find about a year ago. Anywhere else I should try?

 

thats the cheapest for me
progressive