How Screwed Am I?

[cmjh10]

My gf and I left Ames Friday to head home for spring break. We made a stop in Marshalltown to get some food at the Subway in WalMart. I pulled out of the parking lot to head back to Highway 30, and pulled out right in front of another car.

They hit me right in front of the drivers side front tire, airbags deployed. No major injuries, gf did go to the hospital cuz she said her head felt weird. The other two in the other car were fine. Everyone is okay, just a little sore. Both cars might be totaled, but my parents think my car is fixable.

My insurance does have full coverage.

Im just curious as what to expect from here on now. How much willl my rates go up? For how long? Anything else I need to watch out for?

 

[VikesFan22]

Dang man, that sucks. Glad to hear you're all alright. I can't answer any of your questions though.

 

[KFitzy87]

Glad to hear you're okay!

 

[cowgirl836]

that sucks, a lot.

no idea, but as you're a male under 25 (assuming), I don't think it will be good

but glad everyone's ok, that's the important thing.

 

[BooneCy]

I say watch out for STDs...I hear you can get them from airbags.

 

[cyclonedave25]

How old are you and what kind of car do you drive?

 

[ISUAlum2002]

Depends on a lot of factors. How old are you? What is your driving record like? Any previous accidents? Did the cops cite you for causing this accident?

If this is your first accident, you'll probably be OK. Your rates MIGHT go up a bit, but they probably won't drop you.

 

[awd4cy]

Your first mistake was stopping in Marshalltown.

 

[cmjh10]

How old are you and what kind of car do you drive?

19

2004 Chrysler Concorde

 

[cmjh10]

Depends on a lot of factors. How old are you? What is your driving record like? Any previous accidents? Did the cops cite you for causing this accident?

If this is your first accident, you'll probably be OK. Your rates MIGHT go up a bit, but they probably won't drop you.

Clean record, but this was my fault

 

[cyclonedave25]

Your first mistake was stopping in Marshalltown.

Not to mention Wal-Mart. However, it was for Subway, but still...

 

[CyCrazy]

Nothing will change. A simple fender bender is why you pay insurance premiums.

 

[cmjh10]

Not to mention Wal-Mart. However, it was for Subway, but still...

Gf's fault on that one...

 

[awd4cy]

Glad to hear you're okay!

Your avatar makes me keep thinking that Ellen is back and I don't like it one bit.

 

[cmjh10]

If this helps any

View attachment 19140

 

[jdoggivjc]

I don't think you're going to be very screwed at all - not if your girlfriend has a concussion...

 

[cyclonedave25]

It probably depends on your insurance company's policy. Like if they have first accident forgiveness. How much the damage is. Hospital bills. etc.

 

[CyCrazy]

I don't think you're going to be very screwed at all - not if your girlfriend has a concussion...

Ya if the OP didnt cause the accident you would have a point.

 

[jdoggivjc]

Ya if the OP didnt cause the accident you would have a point.

I think my post went just a little over your head.

 

[klamath632]

I think JDogg was just telling him to take it easy on her for awhile because of the concussion, no headboard banging for a bit even after she feels better.