Insurance Premium
Printed From: CorrectCraftFan.com
Category: General Correct Craft Discussion
Forum Name: General Discussion
Forum Discription: Anything Correct Craft
URL: http://www.CorrectCraftFan.com/forum/forum_posts.asp?TID=48267
Printed Date: April-27-2024 at 3:13pm
Topic: Insurance Premium
Posted By: MrMcD
Subject: Insurance Premium
Date Posted: December-10-2019 at 5:20pm
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My insurance with Ski Safe just came in. I am looking at $440. this year. I do carry high coverages but that seems like a lot for a 1995 Ski Nautique? This boat is now 24 years old. Do you guys pay similar rates or is this in line with todays market. Thanks, and yes I just paid it so I should have asked a couple weeks ago while there was time to move if necessary.  Mark |
Replies:
Posted By: quinner
Date Posted: December-10-2019 at 6:54pm
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Heard Ski Safe just increased rates across the board. Sounds like time to shop it. ------------- http://www.correctcraftfan.com/diaries/details.asp?ID=1143" rel="nofollow - Mi Bowt |
Posted By: KENO
Date Posted: December-10-2019 at 7:58pm
I think Quinner gets his info from that other site with a bunch of what's he call them, "Thirf Boats"  https://www.planetnautique.com/vb5/forum/nautique-topics/general-nautique-discussion/598155-ski-safe-insurance-hike" rel="nofollow - link And........MrMcD After reading your stories about various different incidents with your boats over the years, I hope you're making use of that insurance |
quinner wrote:Posted By: Jonny Quest
Date Posted: December-11-2019 at 1:23am
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I have Progressive and I pay about the same for my 1994. I do have a stipulated loss value for the vessel in case of a total loss. JQ ------------- Current 2003 Ski Nautique 206 Limited Previous 2001 Ski Nautique Open Bow 1994 Ski Nautique Open Bow Aqua skiing, ergo sum |
Posted By: MrMcD
Date Posted: December-11-2019 at 4:04am
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I have a stipulated value also but they limited it to $13,000. I could not talk them in to any more value even though it is in nice condition with low hours. I see them sell for more but the insurance does not care. Ken, I have had exactly one loss on my boat insurance in 35 years, it was 4 years back now. ------------- |
Posted By: JPASS
Date Posted: December-11-2019 at 8:02am
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We insure our jet boat with Ski Safe. We have an agreed upon value of $25K with a $500 deductible and we pay $485/year for inshore fresh and salt usage, road side assistance and sea-tow reimbursement,. They've always been the cheapest when we've shopped around. ------------- '92 Correctcraft Ski Nautique |
Posted By: KENO
Date Posted: December-11-2019 at 8:23am
And the deer went on to live another day
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Posted By: Orlando76
Date Posted: December-11-2019 at 8:55am
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I was with Ski Safe for awhile but then they irritated me for some reason, there’s a flipping shocker. Maybe too hard to communicate with? I know I was paying about $430 a year. This year I moved all toys to Progressive. I know they were a few dollars less than Ski Safe but I can’t quite remember how much. My records show I paid 300-330 this year for my 93. That just seems too low but I broke payments up to 2 payments in 2 months for the entire year and the one payment was 175 for certain. This year I have agreed upon value set at maybe 10k or 12k, the lowest I’ve ever set but I have medical and liability and out of work reimbursement set to the highest limit. In my fragile old age the boat means less but having two legs and a neck means more. ------------- Please support The Cystic Fibrosis Foundation 1976 Ski Nautique 351 Escort 1993 Ski Nautique purple and black 351 HO PCM |
Posted By: quinner
Date Posted: December-11-2019 at 9:20am
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Ken, nice detective work however Thirf Boats yes, also Ballast Ships and let us not forget the Thirf Fairies in tow, lmao On the subject, some insurance Co's will not do agreed value on older vessels. In my experience rates tend to stay low after the boat is a couple years old and then can creep up as they age, the actuaries seem to believe older vessels are more likely to have issues, such as sinking and that sort or thing, hence the higher premium. Kind of like our health care premiums as we age  ------------- http://www.correctcraftfan.com/diaries/details.asp?ID=1143" rel="nofollow - Mi Bowt |
Posted By: NCH20SKIER
Date Posted: December-11-2019 at 10:07am
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Our fleet (less the Chris Craft is through Progressive). Progressive was not interested in insuring the Chris Craft so it is through Ski Safe ------------- '05 206 Limited '88 BFN |
Posted By: Riley
Date Posted: December-11-2019 at 10:13am
| We use several companies. They're all over the place on price and whether they'll offer coverage. We have the old boats through Progressive as Skisafe won't insure them. Greg, funny how they insured your Chris Craft. Did you get the policy a long time ago? |
Posted By: NCH20SKIER
Date Posted: December-11-2019 at 10:15am
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I have had the policy for ~10 years with Ski Safe ------------- '05 206 Limited '88 BFN |
Posted By: M3Fan
Date Posted: December-11-2019 at 10:17am
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Mine is 6-something for 2 boats, the 2000 and 2016 SN. 500K/500K. Agreed upon value for the 2000 and a very high value for the 2016 that I'm not going to argue with for sure. Foremost via Farmers. ------------- 2000 SN GT40 w/99 Graphics/Gel 2016 SN 200 OB 5.3L DI https://forum.fifteenoff.com |
Posted By: desertskier
Date Posted: December-11-2019 at 11:20am
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Boat U/S: '89 is $176 '92 is $255 + annual membership |
Posted By: TRBenj
Date Posted: December-11-2019 at 11:49am
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Stating premium cost without describing liability limits, comprehensive coverage, deductible amount etc is mostly useless. That said, the amounts I’m seeing posted here still sound very high. I have used many of the companies referenced above (ski safe, progressive, global, Ace, etc) and never had a claim but would encourage everyone to check out Hagerty. They’re affiliated with the ACBS and are familiar with older boats and inboard ski boats (as well as classic cars etc). They can write agreed upon (not “stated”) value at any amount you’d like. The worst feedback I could find on them was Petes claim that an adjuster once walked across some mahogany brightwork with sandy sneakers. 
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Posted By: desertskier
Date Posted: December-11-2019 at 12:03pm
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Unless you raise the minimums it's all pretty much the same coverage for comparable value boats. '92 Hull and equipment agreed value - 10K Towing - 250 Liability - 300k Fuel spill - 939,800 Medical - 10k Trailer agreed value - 1k Uninsured boater - 300k '89 same except Hull and equipment agreed value - 6,500 Trailer - 1500 And apparently my deductible has diminished to $0 I have also had two claims. One boat repair for $7k. One medical for a skier with a snapped femur. |
Posted By: 67 ski nat
Date Posted: December-11-2019 at 12:04pm
| I’m using progressive for the 67. Agreed value $8000 full coverage. $200 annual. I was happy with that |
Posted By: 8122pbrainard
Date Posted: December-11-2019 at 12:36pm
I would encourage everyone to NOT check out Hagerty. They are notorious for not making good on claims. I hear this all the time. The "affiliation" with the ACBS is they simply donate funds and attend many of the shows. There is NO affiliation. ------------- /diaries/details.asp?ID=1622" rel="nofollow - 54 Atom /diaries/details.asp?ID=2179" rel="nofollow - 77 Tique 64 X55 Dunphy Keep it original, Pete < |
Posted By: Gary S
Date Posted: December-11-2019 at 1:34pm
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What kind of oil does everyone's agent recommend? ------------- http://www.correctcraftfan.com/diaries/details.asp?ID=1711&sort=&pagenum=1&yrstart=1966&yrend=1970" rel="nofollow - 69 Mustang HM SS 95 Nautique Super Sport |
Posted By: zwoobah
Date Posted: December-11-2019 at 1:38pm
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I have my Mustang with Progressive. $6000 agreed value, maxed out liability limits, $1000 deductible, about $140/yr. I have my modern cars, motorcycles, homeowners, and snowmobiles with Progressive as well so I get a multi-policy discount. I have two older cars with Hagerty and their service has been excellent, although I haven't had to make a claim. I'll shop my boat policy with them before I pay Progressive for next year. I didn't realize that Hagerty covered boats. Thanks for the tip, Tim. ------------- 1968 Mustang 16 - 351W powered |
Posted By: 8122pbrainard
Date Posted: December-11-2019 at 2:22pm
You opinion may change? Hopefully you don't have a problem if you do need to make a claim. ------------- /diaries/details.asp?ID=1622" rel="nofollow - 54 Atom /diaries/details.asp?ID=2179" rel="nofollow - 77 Tique 64 X55 Dunphy Keep it original, Pete < |
Posted By: MrMcD
Date Posted: December-11-2019 at 3:16pm
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We learned the hard way when a Deer jumps out in front of your car while towing a trailer, hit the deer. If you hit the deer it is an act of God and fully covered no fault. In my case I did not hit the deer but did hit my other car my son was driving. That is an at fault accident. My coverage is as follows and now with my higher premium I see some of the coverage has lowered. Boat value: 12.000 Trailer: $750 Machinery: ??: $ 3,000 Deductable: $1,000 Liability: 500,000 Medical: 25,000 Uninsured Boater Liability: 500,000 Personal Property: None It lists Horsepower at 310 I wonder if that rating costs more? This is with Ski Safe, says Ancient Mariner Policy ------------- |
Posted By: Hollywood
Date Posted: December-11-2019 at 4:10pm
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I thought you said your wife was driving, or at least it was your wife’s car... Found it http://www.correctcraftfan.com/forum/forum_posts.asp?TID=34377&title=gel-coat-damage-repair-advice-needed" rel="nofollow - Gel Coat Damage Repair advice needed |
Posted By: KENO
Date Posted: December-11-2019 at 4:51pm
You're sharper than the average bowling ball today Hollywood. I see a lot of she's in that first post in the link. The conspiracy theorists could have fun with this one
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Posted By: rosconole
Date Posted: December-11-2019 at 5:36pm
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Ski safe was still cheaper on my 91 and 89 , 300 or so ea year ------------- 1989 ski nautique ,1991 barefoot nautique, 1993 Mustang Cobra 1998 5.0 Magazine shootout invitee |
Posted By: Orlando76
Date Posted: December-11-2019 at 8:34pm
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Horsepower effects premium mostly. Next is region. Warmer regions have higher premiums because they figure us folks who use our boats year round and therefore acquire more experience are more likely to have an incident than Yankees who use their boats 3 months a year. And always hit the deer! Had a lady friend swerve from a deer, lost car and life flight and it cost her $150k out of pocket even though she had auto and medical insurance. ------------- Please support The Cystic Fibrosis Foundation 1976 Ski Nautique 351 Escort 1993 Ski Nautique purple and black 351 HO PCM |
Posted By: rosconole
Date Posted: December-11-2019 at 9:07pm
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Also people like to steal alot more boats seems in FL too, especially outboards. ------------- 1989 ski nautique ,1991 barefoot nautique, 1993 Mustang Cobra 1998 5.0 Magazine shootout invitee |
Posted By: Orlando76
Date Posted: December-11-2019 at 9:13pm
Well when you finance triple 300 outboards at $30k a piece for 30 years you gotta do something to make that payment ------------- Please support The Cystic Fibrosis Foundation 1976 Ski Nautique 351 Escort 1993 Ski Nautique purple and black 351 HO PCM |
Posted By: MrMcD
Date Posted: December-12-2019 at 4:19am
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Hollywood that is mean posting that old post of my wreck! I guess I deserve my premium. That wreck was no fun to live through and the part that was the hardest is it was my fault. My son could have moved the car forward to avoid the hit but my wife who was in my other car with my son ordered him not to. If I could have had 3 or 4 more feet certainly less than 10' there would have been no cantact. There was a little fawn standing right in front of his bumper, part of 4 or 5 deer that jumped out in front of him, the deer moved but that fawn stayed put. I was crushed since this boat had zero damage at all when I bought it, at least cosmetically it was perfect, I had just fixed the mechanicals and then wrecked it. The boat would have had zero damage if the trailer straps had not failed letting it slip forward. I later added the stop chains that are now mounted on that trailer. Looking back I think the boat came forward on the trailer when I hit the brakes not when I hit my Tahoe, Wet bunks, downhill 50 MPH, stood on the brakes. That probably did it.  EDIT: I just went back to read that horror story, my wife did get the blame but my 30 year old son was actually driving my Tahoe and my wife was his co pilot on that voyage. She was the one that would not allow him to move forward with the fawn there. He would have moved forward. Probably why I did the name switch at the time. ------------- |
Posted By: KENO
Date Posted: December-12-2019 at 10:12am
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So I guess the moral of the story is that if you're gonna tell a story more than once, you should review the original story before telling the story again otherwise you have to come up with a new story about why the stories don't agree with each other
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Posted By: Hollywood
Date Posted: December-12-2019 at 11:23am
| I know weird stuff goes on in California but marrying your son sounds more like West Virginia. |
Posted By: quinner
Date Posted: December-12-2019 at 1:30pm
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And then getting them from behind sounds more like Georgia?? ------------- http://www.correctcraftfan.com/diaries/details.asp?ID=1143" rel="nofollow - Mi Bowt |
Posted By: Hollywood
Date Posted: December-12-2019 at 1:47pm
| And then while your wife’s mother watches sounds more like Florida?? |
Posted By: quinner
Date Posted: December-12-2019 at 3:36pm
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And then all this involving wild animals sounds more like Wisconsin?? ------------- http://www.correctcraftfan.com/diaries/details.asp?ID=1143" rel="nofollow - Mi Bowt |
Posted By: Gary S
Date Posted: December-12-2019 at 4:12pm
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Only if they are over 250 pounds ------------- http://www.correctcraftfan.com/diaries/details.asp?ID=1711&sort=&pagenum=1&yrstart=1966&yrend=1970" rel="nofollow - 69 Mustang HM SS 95 Nautique Super Sport |
Posted By: lewy2001
Date Posted: December-12-2019 at 6:18pm
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Even funny downunder ------------- If you're going through hell, keep going http://www.correctcraftfan.com/diaries/details.asp?ID=2999" rel="nofollow - 89 Ski <a href="http://www.correctcraftfan.com/diaries/details.asp?ID=5685" ta |
Posted By: MrMcD
Date Posted: December-12-2019 at 9:27pm
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OK, I lose. My wife did bark at my son to stay put as I was skidding towards them, she did her part to protect bambi. Since I wrote that she was driving at that time, or since he was driving and she was the insured I may have been thinking of that possible issue being in print? I probably decided since she made the call to protect Bambi she should be blamed. I will stick to that. My son was home on leave from the Army, Germany at that time, he drove up and joined us for the last day of that lake trip. That is why we had two cars and my wife chose to drive with him on the way home as I followed. My other son was about a mile ahead of both of us, if he had stayed with us we could have wrecked his car too! ------------- |
Posted By: Hollywood
Date Posted: December-12-2019 at 9:33pm
| And then if it’s a 3-way it sounds more like Alabama?? |
Posted By: MrMcD
Date Posted: December-13-2019 at 2:25am
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Someone needs to pull an engine out and create a distraction quick. Not sure what state that would cover. ------------- |
Posted By: KENO
Date Posted: December-13-2019 at 7:56am
Well that was the obvious "conspiracy theory" I guess now it's OK that it's in print that you "misled" your insurance company
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Posted By: burban65
Date Posted: December-13-2019 at 12:00pm
Ken0 - are the rumors true that you always write in the "real" price of cash exchanged on the title (or typed up bill of sale) when buying from an individual? Please say it isn't so  ------------- SRB |
Posted By: Gary S
Date Posted: December-13-2019 at 1:34pm
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Steve it does not say on your profile where your from but some "enlightened" states don't go by what a receipt between individuals says. For example here in Illinois it is a fee based by the year. So say I buy a 2014 Ski Nautique and show them a piece of paper that says I paid 100 bucks they laugh and say here on our chart is what it is worth,this the tax your going to pay They also have a minimum for those times when the vehicle is too old for their chart . They know the scam- they invented it . The only way to avoid it is when a vehicle passes from family member to family member ------------- http://www.correctcraftfan.com/diaries/details.asp?ID=1711&sort=&pagenum=1&yrstart=1966&yrend=1970" rel="nofollow - 69 Mustang HM SS 95 Nautique Super Sport |
Posted By: KENO
Date Posted: December-13-2019 at 1:52pm
Sadly for me, they're true Since I live in the "Live Free or Die (and pay no sales tax) State" it really doesn't matter, but like Gary said they get you other ways. Now whatever somebody does and decides to put on the internet for the world to see, well that's up to them I guess
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Posted By: burban65
Date Posted: December-13-2019 at 2:15pm
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Gary, I am in NW Indiana and thankfully our rules (and property taxes etc...) are different than yours (quite a few threads on here about that I know). Now I am not going to go on record like Mark in CA and admit to fraud but I can say I know someone in NW Indiana that bought (and sold) a few boats (and cars) in the last few years that might of not put the actual selling / purchase price on the title and accompanying BOS. ------------- SRB |
Posted By: Hollywood
Date Posted: December-13-2019 at 2:59pm
| For everyone that scams the system someone else is picking up the slack. Do your part. |
Posted By: burban65
Date Posted: December-13-2019 at 3:03pm
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Hollywood........now I don't want to come off as some other tenured members on here but at your young age you have a thing or two to still learn about life. ------------- SRB |
Posted By: Riley
Date Posted: December-13-2019 at 4:15pm
| Geesh, you guys are sure throwing Mark under the bus.... |
Posted By: tryathlete
Date Posted: December-13-2019 at 4:35pm
I think millions participate in domicile scams with their Florida properties and such. It’s almost part of the American spirit to dodge the taxman. Dodging the insurance man as HW is referring to is something I have a problem with as well. I have neighbors who work for hail damage companies that have taken inflated insurance repair estimates and completely remodeled their dilapidated homes. That gets me a bit riled up as there are definitely consequences for others in that behavior. |
Posted By: MrMcD
Date Posted: December-13-2019 at 10:07pm
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I did not consider it fraud, it just allowed us to proceed without needing statements from my son as he was headed back to his assignment in Germany. I had to pay $1,000 deductable on my boat and the wifes BMW, I put a new rear bumper on the Tahoe myself but I could have left it, it just had a scratch in the Chrome, was not even bent, I caused the wreck and I was responsible for each, and I owned each. So no benefit was taken or needed in this case. I was really wishing I had not chosen the $1,000 deductable option that day! With that said, I was rear ended in my 3/4 ton Suburban while at a stop, A car plowed into us going 50 MPH +, my wife was injured badly, spine damage in 2 areas. By the time I finished checking on her and got out of the car the people that hit us had all jumped out of their car, which was owned by the grandfather who was not there, two people gathered empty beer bottles out of that car and ran and jumped a fence and then continued running away. I saw them but could not leave my injured wife and chase them. One stayed and claimed to be driving. He was younger and sober, I know he got out of the back seat. I told the cops, showed them the dumped empty beer bottles and they showed zero interest in chasing them or pursuing drunk driving charges, they had a driver or at least a person claiming to be the driver and would not pursue anything. My wife ended up needing a surgery on her back, has nerve damage and will never be 1/2 of what she was before this wreck and these drunk kids got a free pass. I saw one of them that escaped being treated the hospital. They had his shirt off and he had a seat belt bruise from his neck to his belt line. Cops did not care. So no, I do not feel any guilt for simplifying my form and taking responsibility for the costs. It is not like someone else picked up my bill or did the repairs. ------------- |
Posted By: tryathlete
Date Posted: December-13-2019 at 10:22pm
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I meant no harm to you and should have clarified that. Being hit by a drunk driver and having the police ignore a proper investigations says a lot for your suffering. I do not think you did anything I’d ever object to given the circumstances. I object to the mindset where people no longer keep their homes up and just wait for a hailstorm to do necessary repairs. My kids have done their share of damage to others and had it happen to them and in all of the carnage, all escaped harm. Your wife suffered an insult that was compounded by felony fraud. I wonder if a call to your State’s Attorney or local representative might have been in order after police failed to do their job. I’m mad just thinking about that whole mess. |
Posted By: KENO
Date Posted: December-15-2019 at 8:33am
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I'm kinda curious what Grandpa's car was that these drunk kids were driving since it could ram into you at 50 plus mph and they could quickly get out and be able to run away. It sounds like the world's safest car |
Posted By: tryathlete
Date Posted: December-15-2019 at 11:24am
Maybe 50 before the brakes went on. |
Posted By: Jonny Quest
Date Posted: December-15-2019 at 12:46pm
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McD: At least you had insurance. Here in the west, there is a significant problem with people operating motor vehicles with no insurance. The illegal alien community (I refuse to refer to them as "undocumented") is a major contributor to the uninsured motorists problem. I was rear-ended by an "illegal" driving a p-o-s pick-up. No insurance. No legal drivers license. The dude was shocked when I spoke to him in Spanish (I'm fluent in Spanish and Portuguese). Señor Illegal Alien admitted that he was from El Salvador and was living in the US "on the sly". I was forced to pay the deductible on MY insurance to have my wife's Suburban repaired. Back to insurance...At the end of the day, insurance is designed to restore you, as close as possible, to your previous state. Insurance companies just love to find ways to deny a claim so as to avoid payment. That sux. They certainly didn't deny taking your premium payment and depositing it in their bank. To me it looks like McD was simply hoping to avoid any unnecessary complications on what appears like a legitimate claim. I say "no harm, no foul". JQ ------------- Current 2003 Ski Nautique 206 Limited Previous 2001 Ski Nautique Open Bow 1994 Ski Nautique Open Bow Aqua skiing, ergo sum |
Posted By: tryathlete
Date Posted: December-15-2019 at 1:57pm
| That’s what I see as well. So sorry about the direct impact of our open borders and u checked immigration. |
Posted By: MrMcD
Date Posted: December-15-2019 at 2:43pm
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I hope you guys did not think I was yelling at anyone, I was not offended by the statements above but I am still embarrassed that I took time to look at a deer running by when I should have been on my brakes, the wreck was my fault. Snow Ski season is in full tilt in N Calif and I work Ski Patrol on weekends as a volunteer. I depart at 5:30 Am and get home at 7 -7:30 PM. It is fun but at my age I am tired at the end so did not hit the computer at all. Ken, the car that hit us was a Ford Tempo, they are not big cars and the Engine on the tempo hit solid on my trailer hitch on the Suburban so the trailer hitch and frame took the impact, the body of the Suburban looked almost un hit, close inspection showed a ripple in the Roof and down one side but it was hard to spot but it was still totalled. The Tempo was crushed nearly to the windshield. The Suburban took the hit well but the main impact on the frame transferred a lot of the impact to us inside, we would have been better off if the body crushed and absorbed the hit. My wifes passenger seat broke so she was damaged more. If you have not ever been rear ended it is hard to explain the damages. For about a year I could not control my right hand due to nerve damage, I would pick up a cup and it would fall out. It is good now but I never got back the ability to sign my old signature, I can get close but don't have the dexterity any more. Hung my Christmas lights last week and it causes a major headache to look up. I got off easy these are not issues that affect my life. My wife took the brunt of it and was badly damaged. The Gandpa had insurance which was about equal to my wifes medical bills. He got the short end of this. The grank kids scated. JQ, sorry about the impact you had, fluent in 3 languages is impressive, I had 4 years of Spanish and at 21 could read, write and listen well but never could speak at a level that was considered good, after 40 years without use it has all faded away. Good for you for mastering. Went to Europe once and I was amazed that nearly everyone could speak multiple languages. California made it legal for illegals to get a legal drivers licence? Only in CA would this idea pass. They thought it would help illegals get legal insurance. It just makes it easy to look like a legal citizen. They even give the test in Spanish to help them pass. Oh well, we still have a lot of uninsured and it is not just Spanish or illegals, I bet 35% of cars in CA are not insured. ------------- |
Posted By: KENO
Date Posted: December-16-2019 at 10:06am
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Like Tryathlete, I figure the Tempo was going 50 sometime before the brakes were hit and slowed down a lot, not hitting you at the 50 plus you stated otherwise those kids weren't gonna be running anywhere after that crash. But I figure enough about this topic, we can disagree, that's fine with me
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Posted By: MrMcD
Date Posted: December-17-2019 at 12:08am
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Ken, before you state someone is trying to pull the wool over your eyes maybe you should just ask for more facts. I am not an engineer and never did any calcs to verify or check the speed but I can tell you what I know. It was at night, Thanksgiving night, we were trying to merge onto HWY 50 at Watt ave Eastbound from Watt Ave South in Sacramento about 10 PM. The merge is very odd because this onramp separated from the Fwy by the curb that was between 1/4 mile and 1/2 mile long. They have changed that on ramp some since this accident. Cars come around the on ramp about 30-35 MPH and accelerate to merge on the Hwy where speed limit is 65 MPH. We were taking the on ramp, at night, I got up to about 40-50 and suddenly saw a black Honda in my lane dead, no lights with a young man pushing the car. At night and in the rain he is pushing a black Honda. I slammed on my brakes and stopped. Just at this point there was another car on the side of this same onramp broken down and a Wrecker was there hooking up this car with all his Lights Flashing. It was Damn good luck that I saw the Honda in spite of the Wreckers Lights flashing. The Honda was bout 100 yards east of the Wrecker on the same road. I could have gone off the road and around the Honda and proceded home. I felt the young man would have been killed by the next car to come along because of the wrecker distraction and black car at night. I told my wife we need to stay behind him till he gets the car off the road and out of the way. I turned on my flashers and did this. I am about 20 feet behind the Honda. I told my wife to lean back we are probably going to get hit when I saw the Tempo come around the off ramp. He was about 1/4 mile behind where I was parked. The Tempo kept coming and accelerating. I was pumping my brakes and still had the flashers going trying to get the Tempo to see us, My Suburban was White and big, I had 285 - 16 BF Goodrich tires on it so good traction but it was raining. The Tempo kept coming showing no sign of seeing us, I assume because of the wrecker and his flashing lights. I told my wife again and for a third time, he does not see us lean back in your seat which is exactly what I did, never heard any brakes at all but it was raining, he slammed into us, thank God it was a small car. The Suburban lifted in the rear and slid about 15 feet forward, I am pretty sure of this because I was about 20 feet behind the Honda blocking for the guy pushing his car. I stayed hard on the brakes trying to keep the Honda driver alive. We did not hit him but were within 5' or so when I stopped. After the hit a Caddilac came blasting past us at about 65 MPH swerving around the Tempo, the Suburban and the Honda, he went out on the dirt, around us and back on without crashing or stopping. if one of us had opened a door it would have been ripped right off, If he had hit the Tempo we would have been in big trouble and hurt much worse. 4 cars on the freeway side of the 6" curb divider were looking at our accident and slammed into each other so now we had 3 different accidents and a Wrecker still loading a car in pretty much the same spot. It was a mess. So how fast was the Tempo rolling, how the hell would I know exactly but it was fast and accelerating. The 2,800 pound Tempo totaled my 6,000 pound Suburban by bending the Frame and flexing the body leaving a crease accross the roof and down one side. The Crease was hard to see but I have to believe it takes a lot of force to hit a frame and bend a Suburban body enough to leave a crease behind. I have mentioned I told my wife to lean back in her seat 3 times. Absolute fact I told her 3 times. Where was she when we were hit. At the moment of impact she decided that so much time had gone by that I must have been wrong and she twisted in her seat and looked back right when we got hit. The result was a lot of damage to her Lumbar region and more damage to the Thorasic region of her spine. They fused 3 vertebre in her Lumbar and said it was far too dangerous to try and fix her Thorasic region so it will remain damaged for her life. Prior to this she was a dang good athlete. She is alive and needs medication every day to function at a semi good level had to retire from work due to injury.. On a good day you would think she is fine, on a bad day she sits in pain her face is grey color and does not even wish to converse. She is tough and still threatens to kick my butt if I get out of line. And still hard headed but I like a spunky woman. My estimate is more than 50 MPH at impact. I am sure they were distracted by the Wrecker, the night and the rain, the fact they had booze open in the car probably played a part. I think the Engine Block of the Tempo hitting my trailer hitch may have helped by letting the entire engine cradle and support help stop the car. Maybe the Rain and slick street helped absorb some of the impact. I know the Suburban slid forward and I was very afraid I was going to crush the guy in the Honda. Later after the police conversation the Honda driver came up and Thanked me, said I had saved his life seemed very concerned about my wife and then asked to borrow $20 to get home. I did it and gave him my business card so he could pay me back. HE NEVER DID and I did not get his name. I am still mad at him for first causing this and then stiffing me for the $20. He opened his trunk to grab something and I saw he had a large Nitros bottle plugged into the back of his Honda so he was a Racer, the Nitros bottle might have helped make a large explosion if he was hit. There should be laws about how and where those are mounted. The Grandpa had insurance and those reps started showing up at our house within 3 days asking us to settle. I will say they were professional and nice but they were trying to avoid a lawsuit because my wife was hurt badly. We had to get an attorney and the insurance did pay out 100% of policy value but it was barely more than her Medical bills and attorney costs and did not begin to approach her actual damage. I do not recommend going through one of these situations. Now that you know the details Ken, please calculate the exact speed because I am not sure how to do that.. ------------- |
Posted By: KENO
Date Posted: December-17-2019 at 8:22am
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Well Mark Nowhere in all of that do you seem to explain how a Tempo could run into you at 50 mph and protect it's occupants well enough that they could get out of the car and actually run away. 50 to zero in a split second is a little tough on the human body Now I'll repeat the last line of my previous post But I figure enough about this topic, we can disagree, that's fine with me |
Posted By: Moody Blue
Date Posted: December-17-2019 at 9:50am
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Mark, I must say that you are an absolute gentleman. ------------- ‘72 Martinique, ‘60 Cavalier |
Posted By: 8122pbrainard
Date Posted: December-17-2019 at 9:56am
Yes, I agree.  ------------- /diaries/details.asp?ID=1622" rel="nofollow - 54 Atom /diaries/details.asp?ID=2179" rel="nofollow - 77 Tique 64 X55 Dunphy Keep it original, Pete < |
Posted By: MrMcD
Date Posted: December-17-2019 at 3:23pm
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Two ran away, I saw one in the emergency room in the hospital with his shirt off, the one with a bruise from the seat belt that went from his neck to the belt line, about a 2 foot long bruise, we saw him in an examination room as we were taking my wife back for xrays so he did not escape un injured but he was not dead and I saw them jump a 6' wire fence and they took time to dump out the open container before running away so they were better off than my wife. Bring in Myth Busters to figure out the facts Ken. My 3/4 Ton Suburban was totaled by a Tempo. Calculate the speed and reason why the passengers were not dead or mangled. Moody Blue and Pete, Thanks. ------------- |
Posted By: Riley
Date Posted: December-17-2019 at 3:37pm
| You guys got to understand, Ken's from New Hampshire. People over there don't believe anything you tell them. They have to see it with their own eyes. |
Posted By: burban65
Date Posted: December-17-2019 at 4:35pm
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Mark.......prior thread inputs on this subject matter aside I am glad it did not end up worse......for anyone involved. That said, I think Ken's response was pretty straight forward (not in a negative way) when he stated 2X ........"But I figure enough about this topic" ------------- SRB |
Posted By: 8122pbrainard
Date Posted: December-17-2019 at 6:43pm
I thought Wisconsin was the badger state? ------------- /diaries/details.asp?ID=1622" rel="nofollow - 54 Atom /diaries/details.asp?ID=2179" rel="nofollow - 77 Tique 64 X55 Dunphy Keep it original, Pete < |
Posted By: Orlando76
Date Posted: December-17-2019 at 9:12pm
------------- Please support The Cystic Fibrosis Foundation 1976 Ski Nautique 351 Escort 1993 Ski Nautique purple and black 351 HO PCM |