Had an accident, but handled it differently (pic's included) - Page 3 - PeachParts Mercedes-Benz Forum

865sp300e · #31 10-30-2009, 09:51 AM

What is that thing on the driver side A pillar?

I would love to have a car like that for running around and to the city. You did a great job polishing that turd, the results are impressive.

My older brother taught me how to drive and maintain my car. Whenever I considered upgrading the sound system or similar he would always find something my car required that was less fun.

HuskyMan · #32 10-30-2009, 10:37 AM

Quote:

Originally Posted by Brian Carlton

I have two questions:

1) How was it possible to avoid a police report? Once the police appear at an accident, they are obligated to write a report. In NYS, it's mandatory to have a police report if the damage exceeds (IIRC) $400.

2) What's the reason to avoid using one's insurance? If you've got a clean record, and have one chargeable accident, the surcharge is relatively minor and will disappear after three years. It surely could not have cost an additional $4K............so, I'm not understanding the financial decision for this approach.

it might "appear" to disappear after three years, however computers have long memories which are never deleted. insurance records are similar to credit report records in that a collection account may "appear" to drop off a credit report. in reality it is a "soft" delete. the permanent record is never expunged as they want to keep a tally of your total lifetime indiscretions (TLI). they (credit reports, insurance companies, DMV, etc, etc) use these records to build a case against you. and, since they figure that YOU know this, they know that most people will choose to not file a claim so that insurance rates won't increase. the insurance guys WIN again!!! the system is working......