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Old 08-21-2018, 12:25 PM   #1
SubieGoober
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Unhappy Saying Farewell :(

It is with a very heavy heart I must announce I'm saying goodbye to my beloved STI.

Yesterday morning, I had a woman pull out in front of me last second from a neighborhood side road, while I was on the main road running around 60mph. I assume her to be one of those people who only look one way, claiming she did not see me on flat ground where you can see almost a mile in both directions...

My Subie did it's job perfectly. Everything happened so quickly I had a split second to slam the brakes, and then next thing I know the airbag is in my face. I didn't feel anything, and it took a couple seconds to comprehend what had just happened. Aside from a little airbag rash on one arm and a ringing in my ears, I walked away unscathed.

Here's the really sad part. The woman who caused this had no insurance and also with her were two very young children, one no more than 3 years old, the other was maybe 6 months at the most. I was way more concerned for them than I was myself. By some miracle nobody received any serious injuries. Her children completely unscathed. The responding officer gave her a citation for driving without insurance and she went on her merry way leaving me to pick up the pieces left of my beloved car.

Assuming it is totaled, which I'd say it's 99% likely, my insurance will only cover $10K for uninsured motorist incidents. Which falls short on my loan by a mere $1500. Gap coverage will fill the void, but now I'm left with no car, no cash, and no hope.

What money I had put into my car in the form of service and modifications *poof* gone, worthless. To even further worsen things, because Kentucky is a "No-Fault" state, I cannot pursue a legal suit against her unless serious injuries were sustained.

It is incomprehensible that you can work so hard for something, just to have it taken away by the negligence of another, and they make off practically scott free... It makes me sick to my stomach....

Maybe some day I'll own another, but where I am from STI's are not found easily at all....

I'm working on getting some pictures to upload
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Old 08-21-2018, 12:38 PM   #2
Obviously Tyler
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Sorry for your loss, glad everyone was okay.

It's a shame nothing can be done. I wish you luck with this, sounds like a nightmare.
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Old 08-21-2018, 12:41 PM   #3
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That's a tough deal. But in years to come, you will look back and appreciate that car for saving your body. They say when you have your health, you have everything.

What a shame for you, and I feel bad for those children. For their sake I hope their mother learns to drive! Best of luck moving forward.
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Old 08-21-2018, 12:41 PM   #4
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I lost my BRZ in March but the payout paid off the car, but with so little left over that it was negligible. So, I feel your pain.

Time to start saving up for a downpayment, man. Maybe consider going with just a WRX this time if cash is tight?

After something like this, you mourn, you stand up, and then dust yourself off.

Glad those two kids were unharmed! How can a mother of all people live with herself driving uninsured? What if some knucklehead without insurance had slammed into her and seriously harmed her, with or without her kids in the car, and left her kids with a mother up to her eyeballs in medical bills or worse with no mother at all and no financial cushion to help take care of them?

This is why both my wife and I carry full coverage on everything for our insurance. Whether we're at fault or not, we're covered.
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Old 08-21-2018, 12:49 PM   #5
SubieGoober
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[IMG][/IMG]

[IMG][/IMG]

[IMG][/IMG]
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Old 08-21-2018, 12:51 PM   #6
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NJ is also "no fault", has been for decades.
It was rammed down our throats to "drop insurance costs". Seems like they only have gone up and still are.

Glad you are around to post this.

I have no good suggestions on what to do next, at least, not legally.......
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Old 08-21-2018, 01:01 PM   #7
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Ouch. Man the front end on that Ford is way about 2 feet from where it should be.

Glad you're okay, cars can be replaced.
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Old 08-21-2018, 01:02 PM   #8
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I appreciate the sympathies, truly. Yesterday was a very sad day.
I'm still waiting for the police report to become available, so I can begin to move on from this nightmare...
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Old 08-21-2018, 01:05 PM   #9
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It was a very lucky situation given the circumstances.
If she had pulled out a couple seconds sooner this story likely would have been tragic.
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Old 08-21-2018, 01:18 PM   #10
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So there's essentially no penalty for driving without insurance?
A citation???? for what, $60 bucks or something?

How is it illegal to drive without insurance if there's no penalty for driving without insurance?
She's driving a pretty new car, now totaled also, for someone who can't afford insurance.
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Old 08-21-2018, 01:26 PM   #11
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Ouch on pics.......

Glad you're OK.
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Old 08-21-2018, 01:33 PM   #12
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Quote:
Originally Posted by rtv900 View Post
So there's essentially no penalty for driving without insurance?
A citation???? for what, $60 bucks or something?

How is it illegal to drive without insurance if there's no penalty for driving without insurance?
She's driving a pretty new car, now totaled also, for someone who can't afford insurance.
I have given up trying to understand auto insurance, other than, they will do what it takes so they make money for themselves and the stockholders.
A state DMV can hammer a bit, but.........

Good example......wife (with our 2 kids), went a couple hundred feet from a stop sign, 90* turn to a 4 way. 3 peeps wanted to turn across her. Last was so late, their RF bumper center punched center of wife's bumper.
Wife was found 50% at fault (NJ is no fault).
Pisser........both had same insurance company.......no arguments.....same Frikkin company........no lawyers.....
I had an out, had a friend with an "approved repairer" for the insurance company. I did prep work, accepted some reused parts, we gained a few bucks US.
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Old 08-21-2018, 01:36 PM   #13
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Quote:
Originally Posted by rtv900 View Post
So there's essentially no penalty for driving without insurance?
A citation???? for what, $60 bucks or something?

How is it illegal to drive without insurance if there's no penalty for driving without insurance?
She's driving a pretty new car, now totaled also, for someone who can't afford insurance.
This...

Showed this to my coworker who was in a similar scenario. Got railed by a woman w/ NO insurance and two small kids in the car. She hit him so hard that it flipped his car. She basically walked away scott free. His car... F'D.

WTF do we have to pay for insurance for?!!!...

Hope you don't have any residual effects. They say sometimes the whiplash doesn't start hurting till much later.
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Old 08-21-2018, 01:56 PM   #14
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I now it's still early, but all we can see is the immediate outward damage.
Any idea on how much damage we can't see, ie; under the hood, frame, etc.?

I wouldn't call that totaled yet.

As for no car insurance, does she own a home?
It's good that everyone walked away OK, but * sounds like * she was directly at fault.

Does Kentucky require car insurance, or is it Owner's Choice?
For example, in New Hampshire, auto insurance is optional ( or it was last I knew ). Just because an Owner in NH doesn't carry auto insurance does not mean they can't be held responsible. You just can't rely on both auto insurance companies to deal with it for you.
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Old 08-21-2018, 02:25 PM   #15
SubieGoober
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Originally Posted by Samurai Jack View Post
I now it's still early, but all we can see is the immediate outward damage.
Any idea on how much damage we can't see, ie; under the hood, frame, etc.?

I wouldn't call that totaled yet.

As for no car insurance, does she own a home?
It's good that everyone walked away OK, but * sounds like * she was directly at fault.

Does Kentucky require car insurance, or is it Owner's Choice?
For example, in New Hampshire, auto insurance is optional ( or it was last I knew ). Just because an Owner in NH doesn't carry auto insurance does not mean they can't be held responsible. You just can't rely on both auto insurance companies to deal with it for you.
I got a better look when I went to collect my things at the wreckers/body shop yard, but I did not take any more pictures. What can be seen structurally, the A-Pillars are bent near the firewall, enough so that the windshield cracked all the way across. Passenger side frame rail is bent inwards and pushed back. You can only open the passenger door about 6 or so inches.

The motor is pushed upwards and back slightly, it also dumped oil everywhere at the scene. I'd say its done for. It died immediately on impact, and I just spent the money on a Timing Belt job less than a month ago. Go figure.

As far as it being totaled or not? 99% she's done for, even the owner of that shop said he didn't even need to get a good look at it to see that its totaled. But there will be an assessment after I get the police report in. I need that to get the ball rolling.

Kentucky DOES require all drivers carry insurance. But it is only enforced with Citations. You have to collect a bunch of them before you lose your license over it. Similar in comparison to those who like to collect DUI's, it's where these rural counties make their money. They let the perpetrator off easy, knowing they'll collect more money off them later. Really screwed up system we live in.
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Old 08-21-2018, 02:34 PM   #16
SubieGoober
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Quote:
Originally Posted by R1Armadillo View Post
WTF do we have to pay for insurance for?!!!...
You got me? I carry full coverage and I'm still screwed over.
It seems that injury protection is the only useful benefit of insurance.
So you're pretty much SOL if you go uninjured.

Explain How that is worth the $200+ a month with regular rate increases every year?

This is my First and Only accident, yet now my rates will likely go up since my own insurance has to pay out on this claim due to the uninsured driver...
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Old 08-21-2018, 02:39 PM   #17
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Quote:
Originally Posted by rtv900 View Post
So there's essentially no penalty for driving without insurance?
A citation???? for what, $60 bucks or something?

How is it illegal to drive without insurance if there's no penalty for driving without insurance?
She's driving a pretty new car, now totaled also, for someone who can't afford insurance.

Some states (NJ) have very severe penalties for no insurance including a surcharge for years on your lic or future insurance. Then again those people would drive without a lic in the future I guess.
Sorry man, looked like a nice ride.
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Old 08-21-2018, 02:40 PM   #18
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Sorry to hear all that. Pretty much sounds like it's over after that more detailed info.

In my state, you can't get plates for your car without proof of insurance in advance. It's all in " the database ".
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Old 08-21-2018, 02:51 PM   #19
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Don t give up so fast on that $10K fo uninsured motorists. Insurance company may have other options available. If you only had (lets just say ) $10K uninsured motorist insurance on a $20K car it would be prudent to raise that level so you are covered???
I m sure you ll check it out and report findings back.
I just noticed you have GAP, they did away with that ins some states, what a confusing mess.
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Old 08-21-2018, 02:52 PM   #20
SubieGoober
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Quote:
Originally Posted by Samurai Jack View Post
In my state, you can't get plates for your car without proof of insurance in advance. It's all in " the database ".
Kentucky is the same way, but they do not routinely check to see if a vehicle remains insured. You can literally get proof of insurance solely to get your plate and registration stickers, cancel the policy in the same week and never go noticed until it's time to renew. It's a sad excuse for a system.
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Old 08-21-2018, 02:59 PM   #21
SirBrass
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Quote:
Originally Posted by rtv900 View Post
So there's essentially no penalty for driving without insurance?
A citation???? for what, $60 bucks or something?

How is it illegal to drive without insurance if there's no penalty for driving without insurance?
She's driving a pretty new car, now totaled also, for someone who can't afford insurance.
Drivers who are at-fault and not carrying insurance should then be financially liable should the not-at-fault person (or their insurance company) so choose. OR, the state can choose to recoup the injured party (not-at-fault party) out of a specially designated pool and then require some kind of reparations to the state by the at-fault party.

Basically, you cause it to break then you pay for it. You cause an accident, you're not off the hook till you've made reparations.

I know auto insurance companies to NOT like "no fault" states, as that means they're forced to pay out without re-compensation regardless. Where states allow fault to be determined, if you're not-at-fault, your insurance company can get compensated by the other guy's insurance and thus yeah they pay out for you but they get that back and they get a happy customer who is glad that they were protected financially.

They make money by getting more in premiums than they pay out in claims. That's why if a vehicle has a high incidence rate, they charge you a higher premium, because the risk of them having to pay out for it in a claim is higher, whereas they can still make money on you with a low premium if you're a good driver and drive a vehicle with a low incident rate because the chance of you needing that coverage is so much lower and thus they're more likely to never need to pay to you on a claim, and thus all those premiums you pay will go right into their pockets.

That's how insurance works. You're betting against yourself. Side note: that's why in "The Moon is a Harsh Mistress", Heinlein's main character notes that on Luna if you need insurance you just go see a bookie.

OP, if you know an attorney who handles tort cases, talk to him or her. Ask if you'd be able to take her to claims court or something. I personally wouldn't want to be a nasty SOB about it since she has kids to take care of, but she at least owes you a good downpayment on a new Subaru STI.

Last edited by SirBrass; 08-21-2018 at 03:04 PM.
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Old 08-21-2018, 03:09 PM   #22
Fishie31
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Damn, that sucks dude. Sorry to hear about this. I hope somehow in the end everything works out for you. I am also glad those kids weren't injured, though.

On a different note, I am from CA, where everyone is required to at least have liability insurance or you cannot renew your registration. Driving without insurance is a major violation where you'll face fines and potentially have your car impounded until you get insurance AND pay the impound fees to get your car back. On top of that, regardless of if you are at fault or not in a crash....you're still screwed. At fault? You're looking at a suspended license + civil penalties, which means someone can take you to court and go after everything you own until appropriate compensation have been rendered for your mess.

I wrote all that above not because I want to show that CA is a pain in the ass, which it can be, but I am just rather surprised that your state doesn't at least have a law that requires people at fault to pay for the damages they caused. Have you checked all your available resources to see if you can get any recourse out of this? At least enough money to pay for a "new" car that is at least comparable to what you had?

Again, sorry this happened man....really sucks.
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Old 08-21-2018, 03:09 PM   #23
SubieGoober
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Quote:
Originally Posted by cerbomark View Post
Don t give up so fast on that $10K fo uninsured motorists. Insurance company may have other options available. If you only had (lets just say ) $10K uninsured motorist insurance on a $20K car it would be prudent to raise that level so you are covered???
I m sure you ll check it out and report findings back.
I just noticed you have GAP, they did away with that ins some states, what a confusing mess.
A mess! There's no better way to put it.
I figured that since I had full coverage, my collision would come into play since the other driver had no insurance. I have $75K on the collision part of my policy. Obviously the insurance company wants the other driver to be held responsible for payment. Since she has no insurance, they have to pay out on my claim themselves and then they'll go after her in court later.

Because of this, they say my claim now falls into the "Uninsured Driver" category and not my Collision. I believe they're trying to screw me over so they don't have to pay out the full amount for my car, so I'm speaking with another attorney tomorrow to see what can be done.
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Old 08-21-2018, 03:30 PM   #24
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That may be able to be fixed. Crush zones doing their job look terrible. Is that airbag rash on your right arm? Were you holding the steering wheel at 12 o'clock? If so, you're lucky you didn't get a black eye too.
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Old 08-21-2018, 03:59 PM   #25
SubieGoober
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Quote:
Originally Posted by 4ister View Post
That may be able to be fixed. Crush zones doing their job look terrible. Is that airbag rash on your right arm? Were you holding the steering wheel at 12 o'clock? If so, you're lucky you didn't get a black eye too.
Left arm, holding at 12 o'clock
Right arm was on the console rest.

Seat Belt kept me in place perfectly, I barely moved. Airbag hardly touched my face. But boy do those things stink when they go off!
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