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Discussion Starter #1
Only my wife and my girls were in the car when it happened on their way to church. The girls seem fine, but my wife's shaken up pretty badly. She's a sensitive person as it is and she doesn't deal with these things too well. She's still just pale white right now. She told me that she sensed something approaching fast in the rearview mirror and when she looked, she knew she was in for it and braced herself for the crash. My guess is that the other driver just wasn't paying attention at all to the road.

Our bumper's all cracked up and the tip of one of the muffler exhaust pipes is cruched up too. The bumper of course should be replaced, but should I replace the muffler too, just in case, since it's clear that some impact was made on it? What other damages should I have the dealer check for in an accident like this? I opened the hatchback and it opened and closed alright.

I drove immediately over to the scene of the accident after my wife had called in our other car and the police was already there, along with a fire engine. Turned out the other car, pretty old Chevy Cavalier, pre 1990, had extensive front end damage, and the radiator was just gone, spewing fluid all over the road. The radiator was pushed back to where the carburetor was.

The other driver was given a traffic ticket, $270CDN!!. You can tell she was shaken up too. She had to make a few calls, so we let her use our cell and you can tell she was in a state of panic. I really felt badly for her up until she started to implicitly suggest that my wife was going too slow and that she was not keeping up with the traffic in front of her. There was a long traffic since a freight train had just gone by, so she really had no basis in her argument there. It wasn't as though my wife had a clear road in front of her.

This too, shall pass in time, but I just wish people were more careful and more attentive when they're on the road. This certainly was totally unneccessary and altogether avoidable. My wife's taking a trip to Korea this coming Friday, so this will make things more complicated. Arrrrrrrgh!!!!!!
 

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Glad too hear the family is okay. :( Sorry they were the victim of such a careless driver.

"...going to slow so I hit them..." That's ridiculess! I suspect you shouldn't have any problem with the other drivers insurance paying for the repairs -- the driver at back is almost always put at fault.

Make sure you get a good repair shop that will use new, original replacement parts. Don't settle the claim value until they have damaged parts removed as it is common to find more damage underneath.

Don't know if you have this in Canada, but some US states have an additional benefit for "loss of market value". Even after repairs are completed, a cash award is sometimes given to offset the loss of market value for your car being listed as "repaired". You do have to ask for this benefit to get it.

Also ask for an professional adjuster to inspect the car after repairs. They can make professional observations you might miss: paint not blended properly, parts welded which insurance paid to replace, etc...

Hope things turn out okay.
 

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If I were going to Korea right now, (which I wouldn't do right now), the least of my concerns would be the damage to the car. The situation over there is much more precarious than everyone thinks, due to being overshadowed by the Iraq dilemma. Hope everyone was okay. Thanks for posting this. It was good to hear that a real-world crash caused much more damage to the other car than to the Pilot. I was aware that Honda put a lot of 3rd-row-seat crash engineering into the Pilot, but the real world is the true test.
 

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RipRocK: I am so sorry to hear about your wife's accident, my friend.... I'm glad no one was hurt!!! I know (pretty sure) in the U.S. that if you're hit from behind, the following applies:

Rear-End Collisions

If someone hits you from behind, he is likely to be found at fault, regardless of why you stopped. A basic rule of the road requires a vehicle to be able to stop safely if traffic is stopped ahead of it. If he or she cannot stop safely, the driver is not driving as safely as the person in front.

The other helpful part of the rear-end accident is that the damage proves how it happened: If one car's front end is damaged and the other's rear end is, there can't be much argument about who struck whom. Of course, the driver of the car that hit you may have a claim against someone who caused you to stop suddenly, or against a third car that pushed his car into yours. But that doesn't change his or her responsibility for injuries to you and damage to your car.

Keep in mind, however, that even if you have been rear-ended, in a few circumstances your own carelessness may reduce your compensation under the rule of "comparative negligence." A common example is when one or both of your brake or tail lights were out, especially if the accident happened at night. Another example is when a car had mechanical problems but the driver failed to do all she could to move it off the road.
This may be true in Canada as well.... definitely take the Pilot to a reputable shop in your area and have them go over it with a fine-tooth comb (I am no mechanic, I just play one here on this board, so I can't advise you on specific things to look out for).

In any case, hope everything works out for you and your family!!! You have my best wishes!!!! :4:
 

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Discussion Starter #5
glider pilot said:
If I were going to Korea right now, (which I wouldn't do right now), the least of my concerns would be the damage to the car. The situation over there is much more precarious than everyone thinks, due to being overshadowed by the Iraq dilemma.
Thanks for the concern about the trip to Korea. The funny thing is, for people in South Korea, it's pretty much business as usual. Not too many people are worried about the "impending war". Everyone knows that Kim Jong Il is just a whore who's trying to milk money/compensation out of the UN/US with his nuclear threat as the leverage. Which is ridiculous, really. That's like someone wanting to be awarded for not committing a crime.

But the dangerous part is though, he's also a bonafide psycho, so you just never know what he's capable of. I wish there was a way for the US to just get in there and bomb the crap out of him and oust him as the leader. The reason the US cannot is because they're afraid, legitimately so, that Kim would start bombing Seoul and may be even Japan and inflict a civilian casualty of massive scale because of such concentrated population in those regions, perhaps a million people in just a matter of a day

Hope everyone was okay. Thanks for posting this. It was good to hear that a real-world crash caused much more damage to the other car than to the Pilot. I was aware that Honda put a lot of 3rd-row-seat crash engineering into the Pilot, but the real world is the true test.
Yeah, I was really surprised at the extent of damage on the other car. I'll be taking the Pilot to the dealer and have them take a closer look, especially under the car to see if the bumper and the muffler was all that was damaged though.
 

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So sorry you're going through this Rip! :(
Glad to hear everyone is OK - shaken up but OK. Whew!
 

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Discussion Starter #7
tim.s said:
Glad too hear the family is okay. :( Sorry they were the victim of such a careless driver.
"...going to slow so I hit them..." That's ridiculess! I suspect you shouldn't have any problem with the other drivers insurance paying for the repairs -- the driver at back is almost always put at fault.
Yeah, especially since she was given a traffic violation ticket.
Make sure you get a good repair shop that will use new, original replacement parts. Don't settle the claim value until they have damaged parts removed as it is common to find more damage underneath.
Don't know if you have this in Canada, but some US states have an additional benefit for "loss of market value". Even after repairs are completed, a cash award is sometimes given to offset the loss of market value for your car being listed as "repaired". You do have to ask for this benefit to get it.
Also ask for an professional adjuster to inspect the car after repairs. They can make professional observations you might miss: paint not blended properly, parts welded which insurance paid to replace, etc...

Hope things turn out okay.
I jotted all those points on a paper for "things to keep in mind". Thanks for your concern, tim, really appreciate it.
 

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Discussion Starter #8
kemosabe said:
RipRocK: I am so sorry to hear about your wife's accident, my friend.... I'm glad no one was hurt!!! I know (pretty sure) in the U.S. that if you're hit from behind, the following applies:[snipped all good points]
This may be true in Canada as well.... definitely take the Pilot to a reputable shop in your area and have them go over it with a fine-tooth comb (I am no mechanic, I just play one here on this board, so I can't advise you on specific things to look out for).

In any case, hope everything works out for you and your family!!! You have my best wishes!!!! :4:
Thanks, kemosabe. I copied down your excerpt there. I'll be sure to have it handy just in case something unexpected happens. I'll keep you guys posted.
 

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I'm sorry too,RR.

First, we're all glad that no one got hurt in the accident.Secondly,I'm sorry that your Redrock Pilot got in an accident(mine is RR too RR).Did the other vehicle have insurance?Hope you'll get the Pilot fixed soon.BTW,I think you should have some specialist have a good look at the body frame.
 

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RipRocK
glad your family is ok.

Siunce the other driver is at fault...I would say contact her insurance company directly with quotes for repair. Guess take it from a Honda body shop
 

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Hey, RR, sorry to hear about the accident; glad everyone's OK. I'm sure the bodyshop will be able to identify what needs to be fixed (bumper, muffler, etc). You might ask your Honda dealer who they recommend. The ticket to the person who hit you would seem to indicate that they're at fault (the person who's behind you pretty much always is in a rear-ender).

Don't forget that if your kids are in carseats, the carseats should be replaced after a crash!
 

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Discussion Starter #12
Thanks guys for all your words of support!

I really appreciate them. Oh, BTW, baoloclamdong, my Pilot's HB, not RR :D Although, I saw one the other day on the road and man, that color looked pretty darn sharp, I must say. Anyway, thanks again, guys!
 

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RipRock,
The same thing happened to us back in January of 1999. We had a 1996 Honda Civic that was rear-ended -- in our case the person was going way too fast and ran right into us as we sat at a red light. The car was totaled -- the entire back was smashed up to the safety cage (where the rear window begins). My kids were younger then (about 3 months, and almost 2), and my wife was the driver. I just so happened to sit in the back seat that evening to feed my youngest a bottle when we heard this screech coming from behind. We just knew what was going to happen so we braced ourselves for impact. After the hit, milk bottles flew forward, and my wife was shaken up (even injured her back), but our lives were spared. I am blessed because I did not even have on a seat belt in th back, but I wasn't injured from the impact at all. Count each day as a blessing from God because you NEVER what tommorow may bring!

Sorry for the long story, but it's almost like deja vu! I'm glad to hear that everyone was safe and OK. Please do the following: take everyone to get checked out by a doctor even if it wasn't that big of a crash. In the U.S., the other driver (or THEIR insurance co.) is responsible for paying for these visits. It does not hurt to be sure that everyone (esp. your wife -- the driver) is truly OK internally even if she looks OK externally. Also, if anyone has to lose time from work because of this accident, THEY are responsible for the wages missed. If your kids or wife are emotinally distressed from the accident, THEY must pay for that as well. Man, our kids were screaming after the collision :eek:. Also, like TheWorm stated, if this applies, replace any car seats that were in an accident as well -- THEY must pay for these too. We were compensated for all of these things because our accident involved personal injuries (driver), but I'm not sure if your situation is exactly the same.

There is a great book out there that we bought called Auto Accident Checklist. It was about $20, but well worth the money. It tells you practically everything the other party is responsible for (and YOU SHOULD GO FOR IT ALL). After all, we are talking about our precious family and loved ones here -- including our new babies -- The Pilot!! :) You can find the book at www.lawyersandjudges.com. Rip, I wish you and your family the best and I pray that all is fine in your household.

PS. My story is proof that a Honda CAN help save a life (or 4) in an accident! The other car had more damage than my Civic as well and it was a lot bigger!!
 

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Discussion Starter #14
CoasterCrazy, thanks for your post. My wife and I were just talking about the accident, and were glad how it wasn't something more serious. We were glad that it was just a rear ender, not a head on collision or a T-bone collision. With the girls in the car, I can't even begin to imagine how bad the situation would've been if it were the case.

We were glad that nobody was hurt at all. My wife's still shaken up, but she should be alright once the shock goes out of her system. However, my brother who's a doctor advised me to have my wife and the girls see a physician within the next couple of days, just in case.

I was just thinking though, that even if you try your hardest to be safe and sensible on the road, sometimes, it's not good enough, especially with those mindless drivers who plow into others because of their carelessness. This was utterly senseless. The road was in good condition. The traffic was moving slowly. The visibility was good. The other driver just wasn't paying attention to the road. You're driving, isn't that what you're supposed to do? It just sends shivers down my spine that someday, my girls will be on the road too and they'll have to face the same idiots. It's just unfair sometimes.
 

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Hey, when you get settled with the insurance and stuff, can you post some of the repair costs? I'd be interested in know how much things on the Pilot will cost to repair.

I used to have a Dodge Shadow that was a magnet for rear end collisions. I was hit 3 times in the vehicle by people who weren't paying attention. I suppose have a "road" colored vehicle didn't help.
 

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Rip! ok.. Now that I have read your message, and know everyone is ok... wheew... You have been having some bad luck lately..

The same thing happened to me in my civic 3 years ago.. I stopped and turning left, when a car hit me at full speed.. The driver was also mad at ME! ok whatever.. Then I escorted her to the police station.. She then realized it was her fault...

Her insurance will pay the bill, and I would remind her that SHE is very lucky no one was hurt by her mistake..

take care..
rob
 

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Hello RipRock! Just read your post. Sorry to hear about the "fender-bender", but am glad nobody was hurt!!

You and your wife take care!
 

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RipRock,

Sorry to hear about the accident but, glad to hear everyone is okay.
 

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Discussion Starter #19
Update and a Question. Just what is this person upto???

When I started off this morning to visit a couple of bodyshops, recommended by my dealer, I got a call from the other driver. She said that she wants to pay out of her own pocket, instead of going through her insurance company and I said, as long as she's willing to pay upfront, I had no problems with that.

So, I got a couple of quotes, both of them being right around $2100CDN (bumper and exhaust pipe replacement and perhaps further repairs if further damages discovered once the bumper comes off) and called the other driver back with it.

I told her what the estimates came out to from the two shops I got quotes from. Then she said that she'd like to discuss this with her agent and determine whether she'd like to take care of the repairs herself or have the insurance company take care of, which, like I said, was fine with me.

Now, this is the part that's really frying my noodles. She said that since her car's a total write off and wasn't worth much in the first place (90 Chevy Cavalier), she's not concerned about it. BUT, she went on to say that she'll have to decide whether to cancel her policy, in which case, she would pay out of her own pocket, or to keep her policy and have the insurance company pay for the repairs.

What does all this matter if she had insurance at the time of the accident? I really don't get this. What is she up to? Can anyone guess?

Even if she cancels her policy now, since she had insurance/since she was insured at the time of the accident, then it wouldn't matter even if she cancelled the policy after the accident, in terms of whether her insurance company has to provide coverage for her or not, right?

Can the insurance company refuse coverage if the other driver cancels her policy after the accident, even if the driver was insured at the time of the accident?

Just to let you guys know though, I'm through with this BS. I'm gonna have the insurance company take care of this. I just hope it's not too late now and her bag of tricks somehow beat me to it.
 

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Are you *certain* that she actually *has* insurance? If she was insured @ the time of the crash then the insurance company is on the hook for anything that happens while she is insured.

The reason I ask whether you're *certain* she *has* insurance is that a similar song-n-dance happened to me -- twice -- with drivers who both turned out to be uninsured.

"I don't have my insurance card with me, but it's company X"
"I don't have the insurance information with me, it's a company truck"

Of course, I also got the infamous "my friend owns a bodyshop so I'd like you to get it fixed through him rather than going through insurance".

The next day I get the "I might just pay this myself and not go through insurance; would you mind getting some quotes so I can decide?"

After the 2nd shame-on-me experience I vowed to NEVER let anyone handle it themselves and to NEVER drive around getting quotes, and that I'd get it fixed where I want, how I want, and their insurance company can deal with it.

I'd tell her to pound salt; that you've got better things to do than drive around town getting competitive bids and dealing with her flip-flop decisions, and she can deal with her insurance company.

IMO it really doesn't matter if you piss her off. If she's uninsured, I *guarantee* you she won't be paying for your damage anyway.

Bottom line: it's *her* problem, not yours.

Unfair to someone who's legitimately trying to avoid rate increases and take responsibility for their mistakes? Maybe. Too bad drunk, uninsured drivers with suspended licenses blowing red lights make it that way.
 
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