Celica Forums General Discussion General Totaled my GTS, insurance is dropping me

Well everybody, i just took my GTS on a offroad adventure into a corn field doing about 80 or 90 insurance is dropping me...somehow i totaled my car atleast thats the latest word, and they said it hasnt even been on the lift yet to look under the car...for some reason i find this very hard to believe, they said 12 grand in damage without looking under the car...my thoughts would be 90 percent of the damage done after running through a corn field would be under the car...but whatever...in any case if it is totalled, im getting dropped off insurance with state farm, any suggestions...my buddy wrecked his eclipse and state farm dropped him and went with progressive...hes pretty impressed...i thought i might give progressive a try dunno yet...

- - Driving Record
Points = 0
Tickets = 0
Accidents = 2 (no ticket on either lol)
- All in all my record is clean except accidents...any suggestions and anybody know how bad im gonna get stuck in the ass now? thinking about getting a WRX...or 97 - 99 eclipse GSX

- Also anybody else having a hard time believing 12 g's in damage without even being on the lifts yet...i mean i ran through a fuckin corn field i didnt hit a god damn brickwall...


- any feedback would be great.. thanks everybody, and i'll still post here even if i do lose the best car ive ever owned so far

well i want to see what happend... PICS!!!

ummm if they are dropping you dont plan on gettin a WRX or GSX...HIGH INSURANCE...especailyl the GSX. i had one and it was thru the roof

any reason you were doin 80-90 through a corn field? I think insurance companies usually frown on 80-90 alone, but when you're doin it in a sports car off road, that's usually not good at all

how much crop you ruin? liability may have been sucked dry if you took out a lot of corn!

dude, where did you crash? i would go with corolla XRS. insurance might be a bit cheaper than WRX, GSX, even a celica. and still get to feel the lift...

Instead of buying a sports car, but something you can handle.

2 accidents means you are a terrible driver.

May want to try something like this for your next vehicle.

^^^damn, you guys cracks me up...

too bad brother that ones already played out by my parents lol...it is funny tho

and as for being a terrible driver, i dont think you've ever met me...nice assumption apon somebody youve never seen in a car before...let alone drove with to make a decision like that...

- i havent claimed the accident on insurance yet, i was going to cover it myself until they told me it was totalled...which im still not 100% beleiving...and i dont want a luxury car.. AGAIN lol they are so damn boring

Again why were you goin thru a corn field? or did you accidently run off the road?

i was taking my GTS in the twisties and having some fun with it, and up the road a bit i saw a little bit of a light reflection, didnt think anything of it, but it turned out to be my lights shining a deer's eyes...the deer was ina ditch and walked out and i had no choice but to hit it and catch an antler to the chest...or swerve and consequently go into a corn field, i chose the corn field rather than a antler to the heart...insurance told me i should have just hit it...lol some shit right?

There could be enough damage for the car to be totaled, but it's hard to tell with no pics or more info.

If the suspension is messed up, that could run a couple grand, not to mention if the exterior of the car is cracked anywhere, and who knows what type of condition the frame is in, and if anything under the hood got smashed, like your oil pan, etc.

Actually yes, hitting a deer is better than serving to avoid it. Speaking from the insurence point of view.

Reason being is that now there really is no proof a deer was even present. So they can say you were just going way to fast. Blah Blah Blah you get the point.

Sucks anyway

Two accidents means you are a terrible driver.

Driving into a cornfield at 80-90mph is a bad driver.

Driving NEAR a cornfield at 80-90mph is a bad driver.

Last time I checked, most cornfields are on rural roads, which you shouldn't be going that fast on in the first place.

couldnt of said it better...sorry man. U need to slow ur ass down. U deserve high insurance. If you would of just hit the deer ur insurance company covers that for free

right douche bag, i forgot you know the area where i live like the back of your hand...i came for advice not to get flamed by some dickhead that thinks hes an awsome driver and shits on everybody that makes a fuckin mistake just to make yourself look better..., I'm not hear to argue, your statement was clearly going to piss me off...so how bout you got annoy somebody else with your comments...because honestly i dont need you trying to tell me how i drive or how to drive...point blank, mistakes happen...i get enough shit about them from the people i'm around everyday, i dont need you coming here and saying shit like that, i came here for ADVICE brother...and you clearly have gave none but "slow down"...and in turn probably some good advice...but not some i dont already know about...so lets drop the shit, and get back on topic...anybody know of some good insurance companies?

Well you did say this? if you cant take the heat dont post stuff about this then.. U did something stupid and illegal what do you expect to get out of people?

I don't consider myself an awesome driver, I've made my share of mistakes.

Unlike you, I have learned from them.

I am not flaming you, you asked for advice, and some sound advice is to SLOW DOWN and buy a car you can drive responsibily.

When you get out on the highway, it's not just your life you are taking into your hands, it's other people's as well.

State farm is one of the BEST insurance companies out there, and you will never get back in with them.

Being dropped from them in a sign you are a bad driver. They want to make money, and obviously you are not a person they want to do business with.

I agree with diablo 100%, it is just plain stupid to drive so fast in a rural area where you can hurt yourself, and others. But concerning your insurance, i have my crotchrocket insurance through progressive, and it is pretty much the best and least expensive place i could find. I am not sure how they are with automotive, but i am sure they are pretty good.

again, a 4 door car will lower your insurance rate...take it, it's not you have much options left...

WRX is 4 door, would this technically fall into the sedan category?

nope, doubtful IMO

WRX and GTS are nearly identical for insurance

I consider Myself an awesome driver and I'm callin you an idiot



You are a high risk for insurance companies plain and simple, For one you are prolly just a kid , Second You got two accidents under your belt already and your still just a kid. Personally I don't think there was a deer in the road I think you just lost it due to your lack of experience behind the wheel and You want us to feel sorry for you


This is the response you'll get when you (NOOB) calls one of us douche bag by the way.

hmmmmm...well I can see why State Farm would cancel you...man you WRECKED THE FARM FOR CRYING OUT LOUD!!!!!! The deer thanks you though.

well i am sorry about your car..glad you are okay though...good luck on the new car and insurance!

DITTO!

peculiar circumstances concerning the totaling of the celica. still i'm quite unsure 'bout the conditions and damages from the accident.

pushing the limits consistently could be classified as extreme driving. doing so that could endanger others or yourself would be classified as wreckless.

hey, i max out all my gears once in a while, but, you don't have to always hit lift. you know, in urban areas especially, lift takes you to 35mph+...

i have progressive insurance. my last speeding ticket gets taken off this december, so my license is clean. i've had three no-fault accidents and one fender bender with a rental during winter, still my insurance rate is like $1300 per year for full coverage.

maybe that little geico lizard can save you a whole bunch of money on your car insurance also...

e

yup I concider myself a KICK ASS driver!! RookieGTS can vouch for me hehe

I think you should practice more and try driving safely

i know im a high risk driver...due to my age and the 2 accidents...and thanks for the noob comment always great to be insulted by somebody ive never talked to what so ever, but hey as of the past day im getting accustomed to it (SP?) atleast with this board, and as far as the kid comment, yes im 19, i consider MYSELF a kid...hey but technically im legal ...thanks for all the advice everybody, and CID...i dont need a bunch of dudes feeling sorry for me let alone over the internet...lol that just sounds lame bud, i just thought id share my story with you all, maybe give you somethin to do at work...i know all of you guys give me shit to do at work, interesting threads etc...and i got bitches in line waiting to feel sorry for me...so dont worry that role is never played by a man lol

- - - and btw it wasnt a rural area
- if i didnt say it already thx for the advice every1..

e-pimp

Umm you do realize that your insureance will go up if you get either of those two cars (mitsu Eclipse or WRX) because they are AWD. Maybe you should get a civic or integra.

If you want to make money to pay for a WRX STi in cash...I would get a used Toyota Echo 2-door and use the money you save to dump $10,000 into the car including a 2zz-GE motor and nitrous (no Turbo--it can be heard). Echos weigh 2000 lbs so it will be one fast sucker. Plus people won't hesitate to bet $100 that they will beat an echo, hahahahaha. I say go for it man. It would be the most ridiculously fast Echo you've ever seen, and in no time if you have your friends set up enough races (kick 'em back a little), you can buy that STi in cash!

Plus your insurance will be very low in a used Echo,

And don't forget to put a nice wing on the Echo

hehe nah man, id laugh at myself if i were a "e-pimp" as well...real people man lol, i dont use the internet but to use this sight, not really into that cyber girl shit lol, i'll actually post some pics of the 2 chicks im workin on right now when i get home

but anyway back on topic, wouldnt integra be almost same insurance as the celica? i can see the civic bein lower though

When I drive by the corn field to school at night, I go like 5-10mph below the speed limit, everybody does it because we know the area has a lot of deers... I think i've seen like 50+ deers in one drive.

My best bet is I try not to go over 10-15mph over the speed limit, and if the road has obstructions (deers, rocks, corn fields ) I usually stay the speed limit or below.

People may hate me cause I'm not a vroom vroom racer, but I'd like to keep my car beautiful

this is what i think of you and ur pimping girls skills

i was just gonna sell my 2zz engine for rather cheap, it only has 20 grand on it, and hasnt been damaged in either accident...first accident was a fender bender that wasnt my fault, and now this one...the bad one , but for some reason after the first accident my insurance rep still wanted to talk to me even though fault wasnt pinned on me. my car was FUCKED up, it was more like a fender smasher lol, fuckin SUV rear ended me, actually got hurt in that one...

:rotf::rotf:

Sure, go ahead and post your pics.

Even more to laugh at

^^^ what the fuck ever, ive never insulted you or CID, until you went at me, and even then i tried to keep it on a non angry ground. So whats with the bullshit your giving me? just a question...for being "older" you guys sure do like to stir up shit like us "kids"...hmmmm

Check it dood, You only get one chance to make a first impression and you blew it noob. The first thread I've ever read by you and your calling veteran members dick heads and douche bags so yes you did insult this whole community

i called him a douche bag because he called me a shitty driver, maybe i deserve that comment, but then in return he deserved my comment? kinda feel me at all on that? and ive been in 2 accidents yes, 1 my fault, 1 not, but the first one fucked me up so bad, that insurance told me if i get into another one, my fault or not, im being dropped, and its partially because of the kind of car i own and the other because of my age, my insurance didnt shell out a penny, so im not sure why they were so upset about the one that fault wasnt pinned on me

But like i said man, i never meant to offend anybody, he called me a shitty driver, i called himb a douchebag, he could have went about a better way of telling me i suck at driving lol, and i could of went a better way of telling him i didnt appreciate that comment, check my posts man...never said a mean word to any1...

I cannot understand why some people are being so harsh on SkyhighRedline. He simply wanted some advice (most likely positive ones, not negative). But, driving through a corn field is pretty damn idiotic. It's hard to believe if he was really trying to dodge a deer, because he said "I just took my GTS on a offroad adventure into a corn field." And, why would anyone go 80 or 90 MPH while driving through a corn field. You are pretty much asking your Celica to get f**ked up. But anyway, lets not be TOO harsh on him.

Get a quote on www.insurance.com [insurance.com]

They compare TONS of different lenders, and let you chose the best/cheapest!

hmmm

Hey man, where I'm at ive got farms in non-rural areas where i do 90+, so don't feel bad, and I do it responsibly. I've done the corn field thing and haven't fucked up my car so I dont know what you did. But after defending this much I still need to give the the award...

just because the guy got into two accidents doesn't mean he is a bad driver . I got into two and they just pullled out in frout of me and just slamed on their breaks so I would hit them, that whole they wanted me to hit them thing... but yea man I feel bad for you but maybe a van or something would be cool.

this thread pwnz

But anyway, I'll ignore all the previous junk and just post on the topic.

I'm not sure how your first accident wasn't at fault, but if that's true, it doesn't go as a point on your rating level. If they ruled it as partially your fault and you just think it wasn't, that's a different story. In either case, two at-fault accidents could get you canceled, but it isn't 100%. If there was an injury in either, you're toast.

You should have hit the deer. I would much rather stayed on the road and tried avoiding a direct collision with it (the deer could NOT be the width of a traffic lane). For all you know, there could have been a person, tractor, water pipe, or worse in that field. Be thankful it turned out as well as it did. Not saying most people wouldn't panic and do the same thing... just giving you something to think about if you get in the same situation again.

If by some chance you do get lucky and State Farm does agree to not drop you... you have a few options. One would be dropping everything but liability. Your car doesn't change the liability premium, so that way you wouldn't need to worry about what you buy. Also, if you had a third claimed accident within three years of the first, you're not going to be insured by ANYONE... so collision is sort of pointless to carry now. Other option would be to get a cheap car. Civic, Protege, or Corolla. People are totally confused about what the rating group for the car is determined by. It's 80% repair costs... not engine size.