This is a discussion on anyone have USAA or wisdom of insurance? accident question within the Exterior & Appearance forums, part of the Tech & Modifying & General Repairs category; Originally Posted by Rambo In every rear-ending case I'm familiar with, the person in back is always at fault. Brake-check ...
As others have said, definitely fight the ticket. ALWAYS plead not guilty. And forget about the cop not showing up as one person said. Many years ago it used to be that cops had random days and times when they had to show up for tickets, so sometimes something else would interfere and they wouldn't show. For about the last 20+ years, cops have had designated court days where that's where they go and they don't report for regular duty. They will ALWAYS show up.
Drews, are you sure USAA covers aftermarket parts by default? Every insurance company I've ever known requires you to tell them the exact parts you have and how much they cost and put them as a separate rider on your insurance (with a surcharge of course).
OP, you're definitely at fault for the accident, and I would definitely call that reckless driving. Obviously you're also guilty of not signalling. Best case is they knock down the reckless driving and failure to signal to a couple of things with maybe half the points on your license. Worst case, they find you guilty on both with no deal.
Your insurance is likely to increase significantly because of this, but how much is up to the insurance company, and there's no way to know how much until the tickets actually hit your record. I'm not sure how your state works, but in many states they only run your driving record when your policy renews, so your insurance may not increase until then. I've never heard of any company estimating how much your policy will go up. I think it's against their company policy to ever do this and they will only tell you your new rates when they run your driving record and put the new rates in place.
I hope you learned your lesson here:
1) Slow down
2) Don't be an aggressive driver
3) Don't tailgate
4) Always use your indicators
On a side note, are your student loans really at 17% or is that a typo and they're at 1.7%? If they're at 17%, then you need to immediately speak to a student loan consolidation company and get those rates down because you should be paying something in the 1-2% range. Right now you're just throwing money down the drain. And then don't pay them of early. Student loans are one thing that you should never ever never pay off early (assuming you have the right, very small interest rate). That is terrible financial decision making. It sounds like in general you really need to talk to a financial adviser about your finances because it's apparent you need to get some education on them.
Best of luck with everything!
Past Subies - '11 STI Limited stage 1+ and '04 STi stage 2+
'13 Wrangler Rubicon - custom front bumper w/12k lb winch & off-road lights, skid plates, diff guards, etc.
'04 Porsche 911 Turbo GT2 clone 600 HP/TQ
'77 F-150 heavily modded for off-roading