Accident in my Micra!!! :(

First major snowfall of the year in the GTA. I was out about driving and had no issues until a GMC Yukon XL couldnt stop from a side street he was on, I was just driving along the main road thought he would have stopped as I was coming but nope he kept slidding right into where i was driving and slammed right into me!!! Not my fault at least, gunna be in a rental tomorrow and just gotta wait for insurance adjuster to come and look at damage to fix it hopefully and not write it off!!!

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Glad You are OK. Did the brute have snows on? Keep us posted, crap, hate for this to happen to you.

That bites! Everybody's OK?

You took the "face" right off that SUV... and that's a big one.

golly, what a pain!!

here in BC:
if you had limited depreciation why DONT you want them to write it off ?
IM NO INSURANCE EXPERT
but Limited depreciation should also extend to the replacement parts. IE NEW NISSAN door, not a bondo'd up one as you will receive..so if they do the math on that, it could more hopefully be a writeoff

Question: was your Micra still driveable?

my micra was still driveable drove it home that night parked it before this morning going to collision reporting centre then body shop to leave it there til i get word from insurance

Quote:

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Originally Posted by MrMicra2015

golly, what a pain!!

here in BC:
if you had limited depreciation why DONT you want them to write it off ?
IM NO INSURANCE EXPERT
but Limited depreciation should also extend to the replacement parts. IE NEW NISSAN door, not a bondo'd up one as you will receive..so if they do the math on that, it could more hopefully be a writeoff

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depreciation is only for first 24 months of ownership i had that but i am beyond 24months now and that was taken off my policy i hope its all OEM replaced.

I dont think it will be written off i have a high outstanding loan and i dont think they will be willing to pay it off.

My Rental Car is a 2016 Nissan Versa Note SV.

Everything seems the same as the micra just the car is bigger. radio controls on steering wheel are different and radio is a little different looking and stuff.

Under the hood is the same engine same layout everything except different headlights.

And the transmission type ... I'm curious to know what you think of the pros/cons of the Versa's CVT vs. your Micra's 4AT with the same engine.

Quote:

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Originally Posted by MetroMPG

And the transmission type ... I'm curious to know what you think of the pros/cons of the Versa's CVT vs. your Micra's 4AT with the same engine.

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Can u give me some more insight on what to look for or should i say feel for in a CVT transmission, i've never driven a CVT (i dont think)

The Versa got a flat and I changed into a vw golf so I won't get to see difference

Also sad news no more Micra for me.

Welp my Micra was a write off, I will post the repair estimate later but with parts labour and tAxes it is 11,000 dollars to fix!!!!



Bye bye Micra ;(

Nooo!

Now what?

They give 12,300 dollars towards my loan leaving me with an outstanding balance of 5,000......... no way for me to finance another car so gunna have to look at getting a used car cheap idk what else to do.

That really bites - sorry to hear it.

Especially considering it wasn't your fault!

That doesnt seem right...you must be able to collect the 5k from someone if it wasnt your fault?

Never been through that sceanario though...keep fighting!!?

hmmm...some research says this IS all you get..... although it the car is written off you MUST have sustained some injuries..and pain and suffering...hopefully 5 K worth


more research.......

usa though....but it makes SENSE

http://www.all-about-car-accidents.c...oney-a-totale#


If another driver is at fault for your car accident, you should be able to receive compensation for the difference between your vehicle’s cash value and what you actually owe on the car. You do this by filing a “third party” claim with the other driver’s insurance company. Learn more about Filing a Third-Party Claim for Vehicle Damage.

i wouldnt sign ANYTHING WITH THE INSURANCE COMPANY RIGHT AWAY!!!!!!???

http://www.autos.ca/forum/index.php?topic=41958.0


i think you should not just settle for someone costing you 5K, you really need to fight this!??

Is there anyone on this forum with ontario law experience ????

Quote:

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Originally Posted by MrMicra2015

That doesnt seem right...you must be able to collect the 5k from someone if it wasnt your fault?

Never been through that sceanario though...keep fighting!!?

hmmm...some research says this IS all you get..... although it the car is written off you MUST have sustained some injuries..and pain and suffering...hopefully 5 K worth


more research.......

usa though....but it makes SENSE

http://www.all-about-car-accidents.c...oney-a-totale#


If another driver is at fault for your car accident, you should be able to receive compensation for the difference between your vehicle’s cash value and what you actually owe on the car. You do this by filing a “third party” claim with the other driver’s insurance company. Learn more about Filing a Third-Party Claim for Vehicle Damage.

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what can I do in Canada Ontario though, u KNOW we have no-fault insurance and therefore your own insurance company deals with damages and compensation.

in may be "no fault" for INJURIES...but not for other stuff..thats what i am reading for other provinces ..U need to find some friend, of a friend whos an ontario lawyer. (i edited link..more info)

theoretically..its the owner of the car (the finance company) that has a problem...once they stop providing you a car...wouldnt that be in a breach of THEIR terms ?

PS ..as u can see I am NOT a lawyer..lol

no fault is for everything. You deal solely with ur own insurance company and they pay out thats all there is to it.

idk what to do, just looking to buy a used car to commute to work as there isnt much else i can do.

Nissan finance told me that payments will continue to come out until it is paid off or you can pay it off sooner.

That's suck so much Chris, $5k loan and no micra :(

Are you parting out the hood cover and side window cover? I am willing to buy it if shipping is good.

Fudge bud that sucks. I had to haggle my insurance company for sure to get what I still owed on my S to pay it off at the Nissan dealership before basically starting all over again with my SV. They gave you twelve grand and you still owed seventeen after two years? Hmm are you sure thats right? After two years of making a car payment that seems pretty high. Idk.

Quote:

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Originally Posted by Wark

That's suck so much Chris, $5k loan and no micra :(

Are you parting out the hood cover and side window cover? I am willing to buy it if shipping is good.

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i already took my plates and stuff from car, didnt think about taking off the hood deflector. I had no side rain deflectors on mine sadly.

Quote:

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Originally Posted by Pete

Fudge bud that sucks. I had to haggle my insurance company for sure to get what I still owed on my S to pay it off at the Nissan dealership before basically starting all over again with my SV. They gave you twelve grand and you still owed seventeen after two years? Hmm are you sure thats right? After two years of making a car payment that seems pretty high. Idk.

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ya its because when i bought this car i still owed 8,000 dollars from my previous loan with a 2010 hyundai accent (RBC had that loan nissan paid it off and added it my new car loan) . I had negative equity in that car i owed way more then it was worth and thats how i am getting screwed over.

This is just some of the OEM parts that would have been replaced and cost of them jesus!

(not all is listed here just the parts not all the repairs and refinishes)

Deflector,Rocker Panel RT Repair
Cover,Front Bumper 620229LE5J $228.67
Reinf,Front Bumper 620329LE0D $293.84
Panel,Frt Bmpr License 962103WC0A $50.32
Absorber,Front Bumper 620909LE0A $94.85
Grille Assembly 623103HN0A $208.50
Headlamp Assy,Halogen RT 260109LE0D $351.18
Crsmbr,Rad Panel Upr F25119LEAH $369.60
Condenser,A/C 921001HA3A $538.85
Reservoir,W/S Washer 289103WC0B $196.00
Panel,Hood F51009LEMA $338.38
Fender,Front RT F31009LEMA $151.54
Skirt,Inner Fender RT 638423HN0A $72.80
Wheel,Front RT 40300AX707 $84.43
Hub,Front Wheel RT 40202AX000 $289.57
Bearing,Front Wheel RT 402101HM0A $201.87
Absorber,Strut R/F E43029LE0B $171.62
Door Shell,Front RT H01009LEMA $760.05
Glass,Mirror Outer R/C RT 963653AN0B $91.08
Housing,Mirror Outer RT 963011HK5A $114.95
Cover,Frt Door Mirror RT 963731HK5B $119.05

Parts & Material Total $6,115.17
Labour Total 57.2 Hours $3,578.32
Harmonized Sales Tax @ 13.000% $1,274.84
Gross Total $11,081.33 TOTAL LOSS

INSPECTED DEC 15/2016 AT PRO FIX AUTO COLLISION, NEW PARTS PRICED
OUT 2015 VEHICLE. TOTAL LOSS, BRAND NONE, NO PRIOR DAMAGE

"NO PRIOR DAMAGE" WINK WINK

sad to hear this OP. im glad you're ok

if you dont mind my asking.....how much did you pay for this car's premiums? and was it full coverage? what about deductibles?

i think im paying too much....im in bc

Quote:

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Originally Posted by micrapolis

sad to hear this OP. im glad you're ok

if you dont mind my asking.....how much did you pay for this car's premiums? and was it full coverage? what about deductibles?

i think im paying too much....im in bc

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I had full coverage I was only paying $169 a month. I only recently switched companies before that I was paying 323 but had an at fault accident on my record

Average auto insurance rates by province

Province Average Rates
Ontario $1,281
British Columbia $1,113
Saskatchewan $1,049
Manitoba $1,027

Average auto insurance rates by province

Found this on leasebusters if you are considering another micra

http://www.leasebusters.com/en/details.asp?ID=218019

Is there structural damage?

If not, would you consider buying the car from your insurance company and repairing it yourself?

All those quotes are for new parts + full shop rates.

You could probably do it for half that with used parts.

So you take the payout, buy the car back from the insurer for a few grand and repair it.

While the insurance and our laws regulate their involvement, you are still more than allowed to privately sue the driver for destruction of property - no different than the 'you break it you bought it' policies in stores, same laws apply to all possessions. it'd be unlikely that a judge would grant you more money than the value of the outstanding loan and lost time etc. but you can certainly make a case that they were 100% at fault, and broke your property to a point of disrepair as determined by the insurance company. They are either on the hook for buying out your financing, or paying to replace the car themselves.

No accident at the moment. Thanks God

Quote:

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Originally Posted by L1ghtninchris

They give 12,300 dollars towards my loan leaving me with an outstanding balance of 5,000......... no way for me to finance another car so gunna have to look at getting a used car cheap idk what else to do.

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Out of curiosity, could I ask you what insurance company you're with? I'd like to avoid them. XD Hah.

Also, sorry to hear about your Micra. :( Glad you're okay.

Quote:

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Originally Posted by astroz0mbies

Out of curiosity, could I ask you what insurance company you're with? I'd like to avoid them. XD Hah.

Also, sorry to hear about your Micra. :( Glad you're okay.

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i was with Sonnet a new company but subdivision of Economical Insurance which i was technically with before cause i had a broker but with sonnet u dont need one. I was with perth through the broker which the mail said "economical" all the same company, now if i was still with the broker would i have gotten more idk? i got the value of the car but had previous car loan tacked on when i traded in my old car.

Yup, I can see how the Hyundai would have put you upside down. Something like a used Versa might be your best bet for now, I've really come around on them.

UPDATE on car situation. I managed to get a car now!!!! :)

2004 Pontiac Grand Am! 226,000KM.

I got lucky, one of the Mechanics aunt bought a new car and didn't know what to do with this one maybe sell it so the Mechanic asked me if i wanted it. Of course i did! Got it for $400 and all it needed was a mirror and that same Mechanic got me the safety for me at my work :D

I know its not a Micra or even a hatchback at that but a car in decent shape for cheap!

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A certified, e-tested car for $400 is a freakin' miracle! Congrats!

Quote:

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Originally Posted by MetroMPG

A certified, e-tested car for $400 is a freakin' miracle! Congrats!

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Ya E-test was already done end of November. Lucky to have the connections i have!

Car has 226,000 on it btw.

224k is on the low side for a 2004, too.

That's a good deal you snagged -- small consolation considering everything that happened to you.

My previous car was a 2002 Grand Am GT. Great fun cars while they run properly. The 3.4 sucks a lot of gas for a car this small even at idle, though. Seemed to be one problem after the other past 200,000km. Enjoy it while you can. For $400, you can't go wrong. Drive her gently at least until you get right-side up on your debt, and maybe you'll keep those GM problems at bay. :)

$400....thats a steal assuming it works, period.

that's well within the 'be thankful if it even runs' price range.