When I was 15 I was driving on my learners permit. I was driving down the highway at about 60-65 mph when I dropped two wheels onto the shoulder. I had never been to drivers school and had no idea what to do so I over-corrected and shot off the opposite side of the highway. When we touched down in the ditch on the other side the car slid sideways and executed a few rolls, ending up upside down. We had been on our way to vacation in Idaho, there were 3 passengers in the car. Everyone was belted in so no major damage, just frazzled nerves. To top it all off this was the first new car my mom had ever owned, it was less than a year old. As a result of this wreck I did not get my license 'till I was 18 and my insurance went down.
Fast forward to Dec 2000, it seems to be a common way to rear end someone, I looked down at just the wrong moment and then looked up to see the big butt of a Chevy Tahoe. Needless to say it was not very kind to my car, you could barely tell that it had been hit. I have a very rare car, a 1990 Audi Coupe Quattro.
Only 1700 cars total of that model were ever imported, and Progressive took 3 weeks to decide if they were going to total it. I’m still pissed about it because they over-estimated the cost of the repairs and under-estimated the value of my car so that they could total it quickly and not have to deal with it. I was determined to save the car because of it’s excellent condition and low miles(not to mention it’s rarity), so I ended up buying it back at it’s salvage value. Their estimation of the value of the car was $8,500 and the damage at $6,500+. The blue book for the car was $11,500 and I ended up getting it completely fixed to stunning good looks for $4000. That even includes updating the hood an bumper to a newer body style and putting top-end european headlights on it. Bastards, they just confirmed my worst suspisions about the insurance industry. Next time, and hopefully there won’t be a next time, I will just get a lawyer right off the bat to deal with them.