: My V in a ditch =(



Mystical_Ice
01-25-11, 12:13 AM
Driving home a few hrs ago, and as i turn onto my street, a truck is coming toward me, but halfway in my lane. So i swerve to the right to avoid him. Well as i swerve back onto my lane (he keeps driving), the back tires had lost traction, and so i swerve to the left, and the rear end keeps traveling. I do a 270, and plough through a (full) ditch, into a fence.

Here's the funny part. My neighborhood is rural - there's hardly ever a car that drives through it, so when it's raining or the roads are wet i usually turn stability control and T/C off, just so i can spin out a little bit (always stay in my lane, just let the back tires slide a foot or so). Well it's a good thing i had it off, because if i'd tried the above manuever with T/C and Stability control on, as soon as my wheels spun, T/C would have put me in limp mode, and that truck would have hit me head on (i think).

So at least i'm thankful for small mercies...

Anyway, the back is scratched a little (the fence post is down), but the scratches are on the back right of the bumper. Also when the tow truck driver pulled me out he cracked the front bumper (sigh), but the bumper was dug into the dirt, so i really don't see how else he could have lifted me out anyway.

I'm just praying when I call insurance tomorrow to file the claim that my premium isn't going to go way up. I mean i could have hit the truck head on and done $15,000 to my car and god knows how much to his. And that's physical injury aside. Hopefully they realize that and cut me a break :(

I don't think it would cost more than $1500 to fix outright anyway.

Thoughts?

http://www.f1f3.com/hosted/carinditch1.jpg

http://www.f1f3.com/hosted/carinditch2.jpg

http://www.f1f3.com/hosted/carinditch3.jpg

http://www.f1f3.com/hosted/carinditch4.jpg

http://www.f1f3.com/hosted/carinditch5.jpg

http://www.f1f3.com/hosted/carinditch6.jpg

http://www.f1f3.com/hosted/carinditch7.jpg

http://www.f1f3.com/hosted/carinditch8.jpg
Still... =(

PISNUOFF
01-25-11, 06:47 AM
Bummer. Glad you're ok.

Houdini
01-25-11, 07:24 AM
Not long ago I had a cracked bumper (from a neighbor not having a leash on their dog who ran out in front of me). It cost me $700 to get it fixed correctly and while I thought that was kinda high, I was super happy with the work the shop did and the repair/paint is guaranteed for life. I'd say you can get it all done for 1500 or less no problem.

I never got any money out of the douche neighbor..lol. I should have called the cops immediately. Lesson learned.

jcollege
01-25-11, 08:11 AM
Wow glad you are ok, and considering what could have happened...definitely got lucky

DDS rollin a CTS
01-25-11, 08:54 AM
Good to hear youre ok, but too bad about the car. I'm sure you'll have it back in proper order in no time.

rand49er
01-25-11, 09:14 AM
Sounds like it could've been a whole bunch worse. Glad you're okay.

Was it the truck driver's fault? Could he have gotten a ticket?

Mystical_Ice
01-25-11, 09:22 AM
I'm sure he could have, but unfortunately he just kept driving......

Mystical_Ice
01-25-11, 09:41 AM
actually i'm thinking of doing this body work myself, as it's just going to involve replacing the back bumper and backup light (which can't be too hard, right?)

Is that do-able? Or not

odla
01-25-11, 10:44 AM
I would want to think very doable, but, im no expert.

repenttokyo
01-25-11, 10:49 AM
sorry about your accident :(

k61kgsxr
01-25-11, 11:17 AM
sucks dude. glad you're alright

Andringa
01-25-11, 11:20 AM
I can't really see the damage to the rear bumper, but usually they can be repaired instead of replaced.

Glad to see that you missed the truck and avoided any serious damage to you or the V.

CancerJCC
01-25-11, 12:27 PM
Bet it sucked having wet feet throughout the ordeal after you jumped into that huge puddle!

As for the back bumper I would say repairing what you have would be way more cost efficient vice replacing it completely.

Mystical_Ice
01-25-11, 12:36 PM
yeah but i dunno if it can be repaired - that fence took a CHUNK of it out. i mean not a surface scratch - it's like someone took a screwdriver and just dug into the bumper :/

Mystical_Ice
01-25-11, 12:37 PM
and yes, waiting 45min for the twotruck with soaking wet pants and shoes wasn't fun either.

and then my battery died too. nothing more embarassing than having to get towed out of a ditch, and then have to get jump started...

whisler151
01-25-11, 01:06 PM
Too bad you dont have the truck motor. You could have just backed right out of the ditch. lol

Glad you are ok.

Mystical_Ice
01-25-11, 01:55 PM
haha yeah i was wishing i had an AWD car, or i could have just pulled right out of it

killernoodle
01-25-11, 04:31 PM
I hydroplaned into a guardrail back in november, traction control didn't help me there (probably because the rear didn't have any contact with the road under it). It spun 180 before I could even fully countersteer.

I should be getting the car back today, its taken that long to fix it.

CancerJCC
01-25-11, 04:58 PM
yeah but i dunno if it can be repaired - that fence took a CHUNK of it out. i mean not a surface scratch - it's like someone took a screwdriver and just dug into the bumper :/


and yes, waiting 45min for the twotruck with soaking wet pants and shoes wasn't fun either.

and then my battery died too. nothing more embarassing than having to get towed out of a ditch, and then have to get jump started...

Ouch. I still say it will be repairable vs. new for the price but I am not body guy.

Pretty soon this will be in the past and a funny story, don't worry about it.

CadzillaTN
01-25-11, 07:58 PM
That sucks!

I wouldn't read too much into the claims that premiums rise after small incidents. With my ins, I can have 2 claims under $750 a yr that don't even register, and the threshold for a claim to even change the monthly rate is 3k or so. I specifically asked if I had a few claims per year for a few grand each, how much would my 90 dollar monthly rate go up, and I was told less than 10 bucks.

Driving records and credit scores have more to do with rate fluctuation and risk of getting dropped than multiple damage claims.

On a sidenote,
I almost put mine in a ditch on the way hm too but I was driving in a straight line- by myself. We had flakes coming down the size of ritz crackers for an hour which caused the streets to get dicey. I work in an area with alot of big trucks that groove the roads real bad..With my steering rack already whacked, the management of grooves is already tough. When they fill with slush it's a white knuckle affair.