New bumper needed

[sauga_kid]

Was down near Heartland yesterday and got rear ended coming south on Mavis, I was so mad. Sitting at a red light and some girl didn't realize that red means stop and ended up rear ending me. Needless to say, I have to get it replaced and make some calls today to see how much it's going to cost. Anyone have any idea from the top of your heads and recomendations for dealerships/bodyshops? I've read a few reviews but a lot of them are out on the East end and I'm out in Brampton/Mississauga area.

[MPS]

http://www.torontomazda3.ca/forum/showthread.php?t=17696

[Wild Weasel]

http://www.torontomazda3.ca/forum/showthread.php?t=17696

That would be a great opportunity, but his avatar has a sedan in it so that's likely what he has. :(

Who cares what it's gonna cost. You're not paying for it, right? :)

[sauga_kid]

Yeah, not paying for it but I want the job done right and if I can get a good job done and at a decent price maybe I can negotiate something and not have to deal with the insurance companies...don't want to pay out the deductable (it's my understanding that despite whose at fault, the deductable has to be paid, correct me if I"m wrong). Thanks the the link by the way but yeah, I have a seddan.

[MPS]

you only pay if ur at fault but with damage this small i would fix it my self
i think the bumper is $300 plus $200 for paint

Paging Flippy

:pop

[sauga_kid]

I see, if that's the case I'm just going to go with a dealership, thanks for the help!

[Wild Weasel]

Yeah, that's incorrect. When it's not your fault, you pay nothing and your rates won't change.

With that in mind, I'd bring it to a dealer and make sure it's done properly rather than trying to save money.

Why pay out $500+ when you can get it for free, and have a rental while it's in the shop?

[MPS]

call Joe @ 416-642-7777

[MPS]

its never free we got rear ended 3 times last year insureane went up up up :loco



Yeah, that's incorrect. When it's not your fault, you pay nothing and your rates won't change.

With that in mind, I'd bring it to a dealer and make sure it's done properly rather than trying to save money.

Why pay out $500+ when you can get it for free, and have a rental while it's in the shop?

[Wild Weasel]

Really? Maybe some of the insurance people can chime in. There's a couple of them lurking around here.

I've never had my rates change from a not-at-fault crash, and I've had a couple of them.

They're not supposed to.

[sauga_kid]

Your rates go up even if you're not at fault? Perhaps there's a claim limit?

[Kevin@nextmod]

Well its suppose to be 50/50 now but i also have heard cases that some people got rear ended also never had insurance cost up.

[Wild Weasel]

Why would it be 50/50? What sort of justification could there possibly be for that?

[majic]

Why would it be 50/50? What sort of justification could there possibly be for that?

if both cars are moving it's 50/50 if the car being smashed into is stationary then it's 100 for the guy at the back..

i know it's retarded.. hence it's crucial you get witnesses..

[Wild Weasel]

Anything to put more money in the insurance company coffers eh? http://www.michelleandkevin.ca/forum/images/smiles/flip.gif

[BLKOUT]

if both cars are moving it's 50/50 if the car being smashed into is stationary then it's 100 for the guy at the back..

i know it's retarded.. hence it's crucial you get witnesses..

when i got hit last year, we were moving. i didnt have to pay anything.

[majic]

http://www.e-laws.gov.on.ca/DBLaws/Regs/English/900668_e.htm

sorry i remembered it wrong and this scenario takes 3 vehicles into account and the MIDDLE car is the one who would be 50% at fault..

SECTION 9.3

If all automobiles involved in the incident are in motion and automobile "A" is the leading vehicle, automobile "B" is second and automobile "C" is the third vehicle,

(a) in the collision between automobiles "A" and "B", the driver of automobile "A" is not at fault and the driver of automobile "B" is 50 per cent at fault for the incident;

(b) in the collision between automobiles "B" and "C", the driver of automobile "B" is not at fault and the driver of automobile "C" is 100 per cent at fault for the incident.

http://www.e-laws.gov.on.ca/DBLaws/Regs/Images/668fg07u.gif

SECTION 9.4

(4) If only automobile "C" is in motion when the incident occurs,

(a) in the collision between automobiles "A" and "B", neither driver is at fault for the incident; and

(b) in the collision between automobiles "B" and "C", the driver of automobile "B" is not at fault and the driver of automobile "C" is 100 per cent at fault for the incident.

http://www.e-laws.gov.on.ca/DBLaws/Regs/Images/668fg08u.gif

[Gizzmo_jr]

Cause they assume B got slammed into A from C. That's why, everyone who drives manual, make sure you sit at the light in neutral. If you get hit, and get pushed into the car and found the gearbox in neutral, your not accountable. But if your in gear, they consider (or assume) that you were in motion, thus 50% at fault.

[majic]

Cause they assume B got slammed into A from C. That's why, everyone who drives manual, make sure you sit at the light in neutral. If you get hit, and get pushed into the car and found the gearbox in neutral, your not accountable. But if your in gear, they consider (or assume) that you were in motion, thus 50% at fault.

but come on.. if it's a small tap (still visible damage) you will most likely turn your engine off putting car in gear/neutral and pulling on the HB.. and with automatic you'll put it in park.. are you gonna say "but sir.. i was in neutral"..

[Gizzmo_jr]

Good point, my statement was on the bases of a major collision. oddly, if someone forgets on a fender bender thou it could make a difference. But I agree with what you say.

[Sean80]

When I rear ended my buddies car. (After he decided he missed a turn and slammed on the brakes without thinking, I slid on ice right into his rear bumper) I was at fault and my insurance company paid for all his expenses, even his deductible. You shouldn't have to pay a thing if she was at fault.

[sauga_kid]

Alright, the verdict is in, dealt with the insurance company yesterday and got a quote for the repairs. So, the insurance company says I'm not at fault and that no deductable has to be paid and that my premium remains the same. Checked out one dealership collision centre and they quoted just a little less than $1000 to remove and replace the bumper cover...could be more if when then remove the cover the actual bumper is damaged as well...so glad I don't have to pay for any of it. I gave the girl the option to deal outside of the insurance companies but she insisted that I could just push the bumper back in and that there was nothing wrong...that's when I flipped on her and was like "WHAT! NOTHING WRONG? MY BUMPER IS STICKING OUT ON THE SIDES WHAT DO YOU MEAN NOTHING WRONG!!!!" I think I scared her a little but she deserved it, she hit my car and tried playing it off like it was nothing, but anyways, thanks for the help everyone.

[sauga_kid]

By the way, nice diagrams and leagal quotes there majic...living up to the title of Majoogle eh?

[majic]

By the way, nice diagrams and leagal quotes there majic...living up to the title of Majoogle eh?

lol.. how do you know about me? ;)

glad it all worked out for you tho!

[Caz]

http://www.majoogle.com/

I thought everyone knew. LOL

[MAZDA Kitten]

Stupid girls
They should learn how to drive :rant

They should be locked up and just cook and clean all day :chuckle

[Garu]

If that's what your bf is telling you, then he's a bad boy!

[MAZDA Kitten]

So I've been misinformed?

[Triplebogey]

Nice diagrams Majic!


Basically, whether you are deemed 1%, 50% or 100% at fault, this will impact your insurance rates.....unless you have an "accident forgiveness" rider on your policy (costs approx. $25-$50/yr and is not available by all carriers).

The key is to be stopped when being hit from behind----witnesses are important just as majic eluded to.

Mazdaspeed, if you are not at fault for an accident, your rates will not go up, however, when you experienced rate increases 3 years in a row, it was probably for other reasons. Keep in mind that insurance pays for the losses of a few with the premiums it collects from the many. If the total number of claims in any given year rises,then the insurance company will have to compensate by implementing a rate increase which affects all clients, those with sparkling clean records and those without. Of course, those with at fault accidents and tickets will still pay higher premiums but general rate increases affect everyone.

[TheFastLane]

report it to the collision centre first...protect yourself

[-RJ3-]

http://www.e-laws.gov.on.ca/DBLaws/Regs/English/900668_e.htm

sorry i remembered it wrong and this scenario takes 3 vehicles into account and the MIDDLE car is the one who would be 50% at fault..

SECTION 9.3

If all automobiles involved in the incident are in motion and automobile "A" is the leading vehicle, automobile "B" is second and automobile "C" is the third vehicle,

(a) in the collision between automobiles "A" and "B", the driver of automobile "A" is not at fault and the driver of automobile "B" is 50 per cent at fault for the incident;

(b) in the collision between automobiles "B" and "C", the driver of automobile "B" is not at fault and the driver of automobile "C" is 100 per cent at fault for the incident.

http://www.e-laws.gov.on.ca/DBLaws/Regs/Images/668fg07u.gif

SECTION 9.4

(4) If only automobile "C" is in motion when the incident occurs,

(a) in the collision between automobiles "A" and "B", neither driver is at fault for the incident; and

(b) in the collision between automobiles "B" and "C", the driver of automobile "B" is not at fault and the driver of automobile "C" is 100 per cent at fault for the incident.

http://www.e-laws.gov.on.ca/DBLaws/Regs/Images/668fg08u.gif


Yup thats what happened to me years ago.. I was in the middle of the accident..."B" I thought i was going to be charged for following too close...
The car who started it all was a "D" car... I was the B so all 4 Cars where involved.

A B C D

[sauga_kid]

Thanks for all your replies, I took your advice Mazdaspeed and went to MoT but actually started speaking with Jeff (The Biz). He directed me to Rick there, who was great by the way, and I see why MoT has the rep that it does. Sat down with The Biz for a bit, he showed me his ride and his wicked model (gotta get me one of those Jeff) and he showed me what his days usually consist of (Age of Empires anyone?), really nice guy. I went through my insurance since I was 0% at fault, so nothing out of my pocket for repairs and no premium change. My car's at Supreme Auto Collision right now and should be picking her up later this afternoon, I'll post the results of the work. Can't wait to get her back, been riding around in a Subaru Legacy wagon (feeling lame from a 3 to a wagon?!?, I feel like I should have a baby seat in the back or something). Anyways, thanks once again for everyones help and my comments about the girl who hit me wasn't a general perception of the female population, just that one particular, so sorry to MK if I offended you, not my intentions {=0(.

[firstmazda]

I need a new bumper now, don't wanna go through insurance but that's the direction this thread ended up going hahaha...

Anyways,
Did you find out exactly how much a new bumper cost? and how much it was to install and paint?

(Is this something easily done at home?? how many bottles of touch up paint you think i need to do a whole new bumper?? haha)

[sauga_kid]

Sorry to hear, I guess bumpers are becoming very popular as of late, lol. Anyways, the invoce came out to about $1200 or so, they did a really good job...that was including the cover, absorber, clips, paint and labour. I was thinking of skipping out on the paint but couldn't figure out how many bottles I needed too, lol. The shop was easy to deal with and did a good job PM me if you need any info.