HELP! Got in an accident, car's a write off :(

[extrashaky]

Originally Posted by N1rve

Do you have a dash cam to record what happened?

Originally Posted by Chimera

Dash cam is a must.

From what she described, I'm not sure a dash cam would help. If I understand correctly, she turned left in front of oncoming traffic. All a dash cam would show is that she turned left in front of oncoming traffic.

Are left turns into oncoming traffic legal in Canada? I doubt it.

Originally Posted by sechs

And any one have luck negotiating with insurance adjusters?
Insurance called be back today and are saying they won't pay the full amount for my car :<

Sure they will. They'll pay the full market value of your used car. Insurance generally doesn't pay for you to get a brand new car if you total the old one. They pay what the car was worth just prior to the accident. Yours was a low-mileage used car at that time, so the value of a low-mileage used car is what you're owed.

Did you finance the car? If so, did you buy GAP insurance?

[Leonardo]

Last time I hired a lawyer for a traffic violation, it cost me $1000. Lawyers are expensive. I am glad you are ok. Good Luck! It sucks, but it may be time to drive a beater. I was paying almost 300$ per month insurance after my accident.

[Kimsey47]

Ow! Glad you're ok...

On a side note I'm really surprised we haven't saw the "It'll buff out" comment yet...

[torqdork]

Brutal. Hope your injuries heal quickly.

Judging from the extent of damage, maybe a lawyer can prove the other driver was speeding. That might help share fault.

Which airbags deployed, front, side, either?

Take care, keep us posted on the outcome.

[Ammunition]

That really sucks - what an awful accident, and at least you're here to tell about it.

Like a few people have said, it was your failure to yield. It sucks that that is how it is, because I've witnessed people turning left on a yellow with the next car being 50m away doing 55+ in a 35mph zone. There should be ample tiem for them to turn with a car being that far away and the designated speed limit, and the fact that at that distance they should not be going through the intersection, but it does happen - probably a lot more often than it should.

There is absolutely nothing justified about the multiple laws that that individual is breaking, and how they're endangering people driving like that, but we unfortunately share the road with more than a handful of people like that.

When I'm in that sort of situation I just pull out into the intersection while I'm waiting to turn - during rush hour traffic there is usually always 2 - 4 cars that run the light on yellow, but that way you can turn when the light goes red because at that point you're stuck in the intersection, and everyone waiting at it can see you at that point, and knows what you need to do - it isn't your fault if you're sitting there respecting the rules of the road, and waiting to make your turn and several asshats run the light instead of stopping.

But anyway - again, I'm really sorry to hear about that. Maybe I played too much video games when I was younger, but I'm just prepared for, and expect that sort of BS to happen whenever I'm driving.

I hope everything works out as well as it can for you, and I'm sorry for the loss of your car

[Tcoat]

Originally Posted by Kimsey47

Ow! Glad you're ok...

On a side note I'm really surprised we haven't saw the "It'll buff out" comment yet...

That is just because she made it clear she was a girl! If a guy posted the exact same post with a pic of him with the cars the responses would be radically different. Sexism is alive and well on most "hot" car sites I am afraid.

More on topic...The laws in Ontario are not that different from the U.S. ones already stated. I don't know that there is much a lawyer can do but the first consult is usually free so it is worth a shot.
The only hope you would have is if you could prove beyond a doubt (dash cam would help there if it caught the light) that the other driver ran the red but as OP said it was still yellow.

[sechs]

Originally Posted by N1rve

Do you have a dash cam to record what happened?

For the lawyer you'll have a better shot at the regional forums.

In the US, it's called Left on Red, red for a reason and yellow does not mean stop or slow down. It means proceed with caution. I'm not sure how that is in Canada.

Also, was the car paid off? If no, do you have GAP insurance?

Originally Posted by Chimera

Dash cam is a must.

Originally Posted by lantsalot

There are situations that are unfortunate exceptions to this, like when youre about to turn left and the guy who WAS going to turn left in the opposite direction decides " oh hey i wanna go straight" and just goes for it as you're turning. Seen it before, and not much you can do about it. Not sure if that's what happened, but there are a few (very few) situations where you couldn't have really yielded...

Originally Posted by cpafford

Unfortunately its sounds like a failure to yield even if the person that hit you was trying to get through the light in the split second before it went red. Hope you are okay

Originally Posted by hmong337

Tough luck. Another reason why if it's busy, I just wait till it is red then go ensuring everybody is slowing down or stopped.

There a ton of FRS for sale in the GTA or Ontario. You shouldn't have any issues getting into one. Especially during this time of year. But to be honest, go for the brz. It just has nicer creature comforts and HID headlights.

Good luck.


Oh, and get a dashcam!

My sister had the same type of accident. She was at fault.

Originally Posted by extrashaky

From what she described, I'm not sure a dash cam would help. If I understand correctly, she turned left in front of oncoming traffic. All a dash cam would show is that she turned left in front of oncoming traffic.

Are left turns into oncoming traffic legal in Canada? I doubt it.



Sure they will. They'll pay the full market value of your used car. Insurance generally doesn't pay for you to get a brand new car if you total the old one. They pay what the car was worth just prior to the accident. Yours was a low-mileage used car at that time, so the value of a low-mileage used car is what you're owed.

Did you finance the car? If so, did you buy GAP insurance?

Originally Posted by torqdork

Brutal. Hope your injuries heal quickly.

Judging from the extent of damage, maybe a lawyer can prove the other driver was speeding. That might help share fault.

Which airbags deployed, front, side, either?

Take care, keep us posted on the outcome.

Bought out the car, no GAP insurance. They're low balling me on their settlement, stating that the dealership valued my snows at $1400, they're telling me when I go to pick up my plates I have to swap my all seasons for the snows currently on the car cause that's what they're valuing the car on. It's super bull cause I just called a tireshop to quote my winters and it was $710 mounted and balanced with steelies.

Dash cam is definitely the first thing going in the next car - it likely would save me from getting nailed with beingly fully at fault for the accident because it actuallly was not busy, just me and the guy coming down, he was a long was off so I had no idea it was even about to happen. If I had to guess, he was going 90+ as it was 7 in the morning and he was from being really far off within more than reasonable stopping distance to the side of my car a moment later ... 5 of 6 airbags deployed, all except the driver side curtain.

See below, no skid marks, the only tire marks are from my car getting spun - I find it very hard to believe you could go full throttle into someone without braking or swerving if you were paying attention :/ but lesson learned, never lefting again until people are stopped D: ....

[sechs]

Originally Posted by Tcoat

That is just because she made it clear she was a girl! If a guy posted the exact same post with a pic of him with the cars the responses would be radically different. Sexism is alive and well on most "hot" car sites I am afraid.

More on topic...The laws in Ontario are not that different from the U.S. ones already stated. I don't know that there is much a lawyer can do but the first consult is usually free so it is worth a shot.
The only hope you would have is if you could prove beyond a doubt (dash cam would help there if it caught the light) that the other driver ran the red but as OP said it was still yellow.

Already asked my detailer if it would buff out :'( lol

[sechs]

Originally Posted by Leonardo

Last time I hired a lawyer for a traffic violation, it cost me $1000. Lawyers are expensive. I am glad you are ok. Good Luck! It sucks, but it may be time to drive a beater. I was paying almost 300$ per month insurance after my accident.

I'll be looking at closer to $350 I think ... which sucks cause I just got my own policy and had a squeaky clean record D': .... but apparently they don't care what I drive, it's pretty much staying up like that.

[sechs]

Originally Posted by khan

I am so sorry about the car. Were you hurt? Best thing is you survived through it with your life. Hopefully someone can recommended you options. I personally haven't had an experience with accidents/insurance yet.

Yah, I'm pretty bruised up, sore and got some nice cuts from my seatbelt. Mostly I'm just heartbroken and want to cry every time I see an FRS or BRZ ... The day after every single FRS and BRZ at SEMA was on my Instagram feed ......

[Tcoat]

Originally Posted by sechs

Already asked my detailer if it would buff out :'( lol

Well you retained your sense of humour better than I would under the circumstances!
I was almost in tears when I got a stone dent the size of a dime in my fender after owning the car only a week.

[MokSpeed]

Scrolling down to the second picture made me cringe harder than the Grinch waking up in Santa's lap.

Sorry for your loss, but glad to read that you still have your life.

[extrashaky]

Originally Posted by MokSpeed

Sorry for your loss, but glad to read that you still have your life.

I'm glad she didn't kill the other driver.

[extrashaky]

Originally Posted by sechs

Dash cam is definitely the first thing going in the next car - it likely would save me from getting nailed with beingly fully at fault for the accident because it actuallly was not busy, just me and the guy coming down, he was a long was off so I had no idea it was even about to happen.

If you could see the guy coming from a long way off, why did you turn in front of him?