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      02-15-2018, 11:17 AM   #23
WDE82
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Originally Posted by ShocknAwe View Post
At least the other drivers insurance is paying for it.

I got rear ended a few weeks ago by a landscaping truck. The driver was an employee. And listed as an "excluded driver" on the owners insurance policy. So they aren't paying.

Still unsure how that's allowed. It's going to court. So yeah, people suck.
Pretty sure that means the owner or employee has to pay out of pocket, but you'll have to sue them.
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      02-15-2018, 12:00 PM   #24
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Pretty sure that means the owner or employee has to pay out of pocket, but you'll have to sue them.
It's all on the owner.
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      02-15-2018, 12:02 PM   #25
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Pretty sure that means the owner or employee has to pay out of pocket, but you'll have to sue them.
Yep. Huge pain in the ass. My car is getting fixed as we speak, but people should not be allowed to exclude individuals who drive their vehicles. It's the same as allowing uninsured drivers.
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      02-15-2018, 01:01 PM   #26
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I am 17. I've worked hard-ish (mostly house chores, and helping dad fix his old BMW). I love my car. Sure, it has 170k miles (woot-woot), and has probably the worst paint on the forums (debatable), but it's mine (at least, it will be when I can legally own things, LOL), and that's what matters.

I'm thankful that I can still drive it. While I do care how it looks, as long as it drives fine, I'm okay with it for a little while. It was kinda funny, my excitement about my airbag light being fixed outweighed being hit again. I'm really thankful that I didn't need a tow, and that there's no tell-tale mechanical damage. I think I did throw a wheel weight though, because there's a vibration at speed that wasn't there before.

PS: Surprise tank-slappers are really scary going 55, but also kind of fun...
Dang man I'm sorry to hear all this. Definitely keep a log of everything you notice to be wrong with the car so when the insurance companies come back with a check and quote you can easily point out anything they missed. A wheel weight is a simple thing but no reason you should pay $25 out of your own pocket for a re-balance.


Anyway hopefully you can get the car all sorted before the gokart trip! Either way you should come on up to my place the day before. I'll be doing some detailing/car stuff with a friend and we can check out your paint. I have a buffer and slew of detailing equipment, maybe we can clear it up a bit.
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      02-15-2018, 01:26 PM   #27
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Originally Posted by Matticus91 View Post
Dang man I'm sorry to hear all this. Definitely keep a log of everything you notice to be wrong with the car so when the insurance companies come back with a check and quote you can easily point out anything they missed. A wheel weight is a simple thing but no reason you should pay $25 out of your own pocket for a re-balance.


Anyway hopefully you can get the car all sorted before the gokart trip! Either way you should come on up to my place the day before. I'll be doing some detailing/car stuff with a friend and we can check out your paint. I have a buffer and slew of detailing equipment, maybe we can clear it up a bit.
I'm going to be a total baby about my baby. If paint doesn't match PERFECTLY, I'll complain. If panels don't line-up, I'll complain. If it doesn't drive just right ('cause I finally got it to), you get the idea...

I don't see this shop screwing anything up, though. They managed to match a very metallic grey paint on my mom's truck after she was rear-ended (a theme in our house now), they had to replace the entire frame of the truck, including the bed, some suspension bits, and had to paint all of it. The truck drives factory fresh, and actually has less rattles than it did from the factory (LOL, Ford).

And that's my new worry...just repainting a bumper would take MAYBE 2-3 days, but doing unibody work will take much longer...ugh.
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      02-15-2018, 01:50 PM   #28
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Quote:
Originally Posted by ShocknAwe View Post
Yep. Huge pain in the ass. My car is getting fixed as we speak, but people should not be allowed to exclude individuals who drive their vehicles. It's the same as allowing uninsured drivers.
I doubt he is allowed to exclude them from insurance. The employee isn't allowed to drive the vehicle but they did.
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      02-15-2018, 02:16 PM   #29
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I doubt he is allowed to exclude them from insurance. The employee isn't allowed to drive the vehicle but they did.
Yeah, that all sounds really fishy...
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      02-15-2018, 03:04 PM   #30
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Originally Posted by chris_flies View Post
I'm going to be a total baby about my baby. If paint doesn't match PERFECTLY, I'll complain. If panels don't line-up, I'll complain. If it doesn't drive just right ('cause I finally got it to), you get the idea...

I don't see this shop screwing anything up, though. They managed to match a very metallic grey paint on my mom's truck after she was rear-ended (a theme in our house now), they had to replace the entire frame of the truck, including the bed, some suspension bits, and had to paint all of it. The truck drives factory fresh, and actually has less rattles than it did from the factory (LOL, Ford).

And that's my new worry...just repainting a bumper would take MAYBE 2-3 days, but doing unibody work will take much longer...ugh.

Jesus... good luck, metallic can be so hard to match, especially light colors. One of the reasons I love jet black. Hate it for a bunch of other reasons lol. Went over to the body shop today, ill be back in my car tomorrow if all goes well.
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      02-15-2018, 03:05 PM   #31
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Originally Posted by WDE82 View Post
I doubt he is allowed to exclude them from insurance. The employee isn't allowed to drive the vehicle but they did.
It's bullshit. You're allowed to exclude kids and the like too. It seems to be totally legal in this state. But it doesn't excuse the owner of the vehicle from liability.
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      02-15-2018, 03:09 PM   #32
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Quote:
Originally Posted by WDE82 View Post
I doubt he is allowed to exclude them from insurance. The employee isn't allowed to drive the vehicle but they did.
Quote:
Originally Posted by chris_flies View Post
Yeah, that all sounds really fishy...

It's due to employee driving up the insurance rate, or maybe bumping the company into a different rate.
I've been excluded before due to my driving record.

But there are also medical reasons one could be excluded, severe diabetes, seizures, vision.
Just be happy in that someone is trying to look out. Unfortunate that it didn't work out this time.
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      02-15-2018, 03:24 PM   #33
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Quote:
Originally Posted by iminhell1 View Post
It's due to employee driving up the insurance rate, or maybe bumping the company into a different rate.
I've been excluded before due to my driving record.

But there are also medical reasons one could be excluded, severe diabetes, seizures, vision.
Just be happy in that someone is trying to look out. Unfortunate that it didn't work out this time.
What didn't work out this time? Getting away with someone driving a functionally uninsured vehicle? Not sure I follow you. I insure my wife on my car even though she doesn't drive AT ALL. But she could conceivably get a wild hair and take it out one day. It's protection of my property and others.
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      02-15-2018, 05:03 PM   #34
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dam dude.. I'm starting to think ur under the influence...
j/k
on a side note.. I had those rims on my car when I bought it.. don't u fuckin hate em??
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      02-15-2018, 05:47 PM   #35
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Quote:
Originally Posted by ShocknAwe View Post
It's bullshit. You're allowed to exclude kids and the like too. It seems to be totally legal in this state. But it doesn't excuse the owner of the vehicle from liability.
Why is it bullshit? Excluding an employee is perfectly reasonable, you just can't allow them to drive. It would could carry the consequence of termination. And it DOESN'T excuse the owner from liability when it's a business.
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      02-15-2018, 06:05 PM   #36
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Why is it bullshit? Excluding an employee is perfectly reasonable, you just can't allow them to drive. It would could carry the consequence of termination. And it DOESN'T excuse the owner from liability when it's a business.
It's an avoidable source of uninsured drivers. That's all. Nice neat little loophole that's not legal in every state because it's been deemed unacceptable. Luckily my insurance is largely covering me, but I'll still have to sue to recover some funds. It takes time, and didn't even have to happen in the first place if PEOPLE DIDN'T SUCK.
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      02-15-2018, 07:00 PM   #37
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dam dude.. I'm starting to think ur under the influence...
j/k
on a side note.. I had those rims on my car when I bought it.. don't u fuckin hate em??
The influence of Sweet Tea, yes.

They make acceptable winter rims, I like them because they're a simple design, and were already a bit beat-up from the car's PO.

Also, I think I've been

EDIT: I also just got back from dropping the car off at the shop. Great people, fantastic first impressions. They had a wrapped C7 Z06 out front (a tasteful color, too)...
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      02-16-2018, 09:33 AM   #38
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A picture from dropping the car off yesterday evening. I missed it the second I handed the keys over...

And yes, they wrote on my car with marker.

EDIT: Wow, my side-markers look like garbage...
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Last edited by chris_flies; 02-16-2018 at 09:54 AM.
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      02-16-2018, 09:44 AM   #39
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And yes, they wrote on my car with marker.
.
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      02-16-2018, 09:53 AM   #40
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.
It just means that they'll clean it real good!
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      02-16-2018, 10:58 AM   #41
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Quote:
Originally Posted by ShocknAwe View Post
It's an avoidable source of uninsured drivers. That's all. Nice neat little loophole that's not legal in every state because it's been deemed unacceptable. Luckily my insurance is largely covering me, but I'll still have to sue to recover some funds. It takes time, and didn't even have to happen in the first place if PEOPLE DIDN'T SUCK.
I don't see why you should have to pay for insurance to cover someone you don't want to drive. If they do end up driving that should carry additional consequences for the company and the employer can terminate the employee as well.
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      02-16-2018, 11:10 AM   #42
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I don't see why you should have to pay for insurance to cover someone you don't want to drive. If they do end up driving that should carry additional consequences for the company and the employer can terminate the employee as well.
Because termination is after the accident. Employees that cause insurance issues are rarely reliable and can be counted on not to drive uninsured. For the same reason you can't exclude a driver aged kid from your auto policies if they live at home.
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      02-16-2018, 11:48 AM   #43
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Yep. Huge pain in the ass. My car is getting fixed as we speak, but people should not be allowed to exclude individuals who drive their vehicles. It's the same as allowing uninsured drivers.
Don't scream, call Akim (or one of the other 100 lawyers that advertise during the evening news there)
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      02-16-2018, 02:40 PM   #44
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Also, I think I've been
Yep. oops.

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Don't scream, call Akim (or one of the other 100 lawyers that advertise during the evening news there)
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