What To Do When You Get Into An ACCIDENT!

Hey everyone, this is Tracy. And this is Margaret. Thank you guys for joining us. We are The Empty Pockets. We are back. It's been a while. It's been almost a year actually. Yeah, just under a year. Under a year, yeah. But we're back, we're ready to talk about some interesting topics, some newfound events that have occurred in, I think, my life. Let's begin with that. Because...

I think it would be nice to kind of talk about my experience and share what I've learned through that experience with everyone. So I'll just start off with saying like over the weekend, I got into a collision.

and it all happened just so quickly like I didn't even have enough time to break fast enough um so the person actually I'll just like explain how it happened so I was going through my lane just going below the speed limit and just going east another car was going west and there was an island in between but he wanted to turn left

right past the island so there's like solid lines right you're not supposed to be turning in like that but he still went for it but all of this happened just because like I didn't see that he was coming in because the car beside me stopped for him. I was just going my normal route and he was making a left because another car beside me stopped for him.

And basically we collided just like that. I think thankfully you also had your dash cam footage. That can kind of prove like... the incident that occurred because you can clearly see also like he just went straight for the left turn in his case and without slowing down and he had to

passed through two lanes and yours was the second lane which he didn't see that you were still oncoming you can also see in the footage too that like there's like it's not like there's heavy traffic where you were gonna slow down already

Like there's plenty of space for you to advance. Exactly. There was no car in front of me. Exactly. Yeah. That's crazy. The cars beside me on the left were all trying to get into the left turn lane. Yes. So they're all like slowing down and waiting for the left turn signal. For me, there was no. car in front of me so I was just going my normal speed limit um trying to get onto the highway or the entrance to the highway um kind of thing and for him the whole situation was because he made

He passed his intersection that he needed to turn to. So he was trying to make a quick U-turn. Something like that. So when it did happen, it happened so quickly. I was fine. He was fine. I couldn't even get out of my car because this car was in the way. So I had to climb over to the passenger side to get out. I looked at him and I said really loudly, I was like, what the heck were you doing? And he looked at me like, he blanked out. He was like, aw. So that was like...

Do you speak Cantonese? He's like, sick, sick. And then I was like, okay. Then we started talking in Cantonese. And I was like, what were you doing? And he was like...

What do you mean? I was trying to make a left turn. You're the one that's at fault. This guy beside you stopped for me and you didn't. And I was like, I'm going through normal ongoing traffic. You're making a weird left turn into my lane or into like... like you know intersecting into my lane um you didn't even bother slowing down before checking right he just went for it so when he was um

conversating with you then? Did he kind of approach this more aggressively, trying to pin this on you versus, like, discussing the event that occurred? So that's the thing. He... That was...

After I said what I had to say to prove my point that he was on the wrong, he was quiet after that. And then I was like, if you have anything to say, just save it for later. I'm going to take some quick pictures. And then I took... pictures my hands were shaking though i was like scared i was like what do i do next what i do next because this is my first time um okay so yeah so i was like as a

as someone who has been in an incident for the first time run us through what was going through your head and like even the process because if i were to go in this situation like

Like you said, you exchanged information, but it's like, do you get the police involved? Yeah. Yeah. So what did you, what was going through your mind? Yeah. So after the collision, like we already blocked out two lanes. So we were creating a lot of traffic. So the first thing he said to me was, I can drive. I'm sure your car can drive. Let's meet into the parking lot, which is just like beside us. Beside us was already the driveway to the parking lot.

i think that's where he was trying to turn into and then i was like sure so we parked and he couldn't even park properly his wife was not even in the car and she was screaming at him you can't even park properly what's wrong with you and she's like you had one job uh look at your bumper because his bumper was like it's like it's like on the ground practically um and so and it's just being held by one wire really yeah

So when he was driving into the parking lot, then was he just like pushing it along with his car? Yeah. He didn't carry it. He couldn't carry it or anything. It was just like the whole thing was shaking while he was driving because it was rubbing against the floor.

and it's um yeah so we parked and then I took some more pictures and then yeah just from like that few minutes of parking into the car we already had tow truck drivers come in already yeah so we didn't have time to exchange information and they already like they're putting themselves into our situation too and they're like i can help you the city uh has sent us over here yeah um

you know i won't charge you i i can see you can't drive you we need to tow you right so yeah so i'm curious in this situation too well luckily you had the dash cam footage yeah do you know if like you would have to had to have gotten witnesses involved. For example, the car that was next to you. Is that a thing that you know people do or not?

So I was looking at dash cam footage, and when the collision happened, the couple that was having a little walk, they turned around and looked at us, and then one person took out their phone to take pictures. Wow. Okay. Yeah. But the thing was they were walking away from the car. So their back was towards us. So they didn't see the situation. Okay. They weren't fully clear. They don't know what happened. It was just a loud bang and they just turned around.

to see this situation. Um, but when it, I mean, when we look at the pictures too, you can clearly see who's in the wrong, right? Cause, um, he's the person that's perpendicular to the ongoing traffic right um and so anyways so when it did happen like we exchanged information they were very cooperative um i think it helped that i was able to speak cantonese because

They didn't even know what to do because they were telling me this is our first accident and we don't know what to do. But we want to file it to the insurance. I was like, okay, we can do that. Yeah, we took pictures of both our insurance, our driver's license. our license plates and then we exchanged phone numbers so within a few minutes after we parked in the parking lot

We had two tow truck drivers come in. They're like, the city has sent us over here. They told us that there was an accident that happened. We are here to tow your truck. And then I was just like, can you give me a minute?

He's like, sure, sure. Like they were so cooperative, so nice, so kind. They're like, yeah, sure, sure. We'll give you your space. I'm like, thank you. So I'm like talking to the guy that was driving. We exchanged our information. They were very cooperative. I even got like three of their phone numbers.

one was their home phone number one was their cell phone number one was their son's phone number wow okay and then they they're just very lost so they're like the whole time they're asking me where am i at where am i at so i gave them the the intersection they didn't understand like i said it five times and they're like we still don't know where this is and then they're like um talk to my son because his son was on the other line

Because they didn't know what to do. The first thing they did was call their son for help. So I spoke with their son. I told them the intersection. And the son was like, he's like, oh, that's too far away from me. I can't pick you guys up. I'll send someone over.

And he was like, remember the name, Rosad. Remember the name, Rosad. And they're like... okay yes yes yes and then the son already knows like they don't have good memory so i'm telling you remember the name was said and then yeah so basically we exchanged all their information all this took about like 40 minutes 45 minutes because at the same time i was filing

my claim through my app so my insurance has an app where i could just follow a claim but they what happens what i like about it is um it clearly tells you like um Did you just get into an accident? Did you want to report something? So it runs you through the steps? It runs you through it really nicely. It's very easy to do. So I got all of that done.

do you feel like the tow truck drivers could have helped in any scenario in any situation like that like uh provide you information on what you could do what you should do next yeah i would say so because um i was like

They were giving me their sales pitch, right? And then afterwards, they would always end up saying, you need to bring it to CRC. You need to bring it to CRC. That's the one thing I remember. Because he was like, it's the... collision reporting center he's like that's the one place you need to go to report this you need to go now and i will take you there i was like no i can go myself yeah your car was good enough to i can still drive exactly and so i was like no i can take it myself um

And then afterwards, he was like, I work with the government. Trust me, I can help you. And I looked at him and was like, where's your business card? let me see that or he's like i'm licensed with the government right so i'm like where's your license or your business card so he turned around he pointed out his truck he's like it's right over there that's my business card and i was like i didn't even smile at him i was like

I was like, no. I need some evidence that you work with the government, right? He takes a business card. That business card is a private auto shop. I didn't even have time to look at it. i looked at it it just did like something auto shop and i just put it in my wallet and i was like okay that's all i need thank you and then i and you went off i went off and i spoke with the the senior couple and so the senior couple

They kept coming to me and asking me, what do I do next? What do I do next? So I told them, go to CRC. Tomorrow, let's go together so we can report it together. Because if I go and you don't go, you might get in trouble.

That's true. I told them. I don't think they understood that though. So I was like, it's okay. You just file it with, you call your insurance, explain to them what happened. I wrote down exactly where the intersection was. I gave them my phone number. I gave them the parking lot.

address to uh at the time didn't even know what time the collusion happened so i i had a brief like understanding of what time it was so i gave it to them um yeah and then they were like so what do i do now i was like you wait for the tow truck driver So I was like just chilling because I was going to pick up Josh for a birthday party. So Josh had one of his teammates drive him to come see me instead. So he was there.

at that time so he made it before you guys finished up yeah he made it yeah so he was there to also see the situation and um help me out with filing the claim Because I kind of needed someone next to me to help me because I felt like my head was going like everywhere. You're very overwhelmed. I was overwhelmed. I didn't know like what to put. And like, was I filing it correctly? Because I didn't want to do, I didn't want to make a mistake, right?

um but he was there at the time to help me too then all of a sudden the tow truck one of the tow truck drivers came another one came and he came out and he he came and gave those two dudes that were vultures fist pumps and he started what yeah and then he was like making his way to tow the the car that with the broken bumper and then the the wife was like kind of like a little scared and she's like is this like is this the one my son sent me

Or is this like, cause like he's very suspicious cause he's friends with the two other guys. So she got worried and then I straight up just like, hey, what's your name? Because I was like asking the senior couple, I was like, do you remember the name that your son gave you? They didn't. They didn't. They didn't remember. But you overheard them. I remember, yeah. Because I felt like I was very involved with their situation. Because we were walking through the steps together. And so...

Yeah, I was like, he's like, my name is Rashad. I was like, all right, tow the truck. I mean, like tow the car and you can do it. He was actually Rashad. He was actually Rashad. He was skeptical of it too. They were very skeptical. And so then the couple asked me and they're like, so what do I do? I'm like, you get in the car with him.

You want to know where your car ends up, right? So you have to follow him. So where does the tow truck take the car back to the auto center that they work for? but the crazy thing is this is what I hear about tow truck drivers what they do is they will tow it to their auto shop and your car cannot leave until you pay a fee

So you can't drive off until you give them the money that they want. So you don't necessarily need to get any repairs done there. You're just bringing it to somewhere safer. What is the point of taking it to the shop then? I think what they'll do is they're going to give you an estimate of how much the repairs would be.

And then afterwards, they will send it over to CRC. That's what the torture driver told me. Okay. They sent it over to CRC to get it reported. Because you need to report the damages to the police. So, yeah, so last night... I kept messaging them. I'm telling them like, hey, I'm going to the CRC to file this damage. You should go too.

and then this morning i got a voice message saying like oh thanks for your help we already filed with insurance um and that's it that's all they sent me is that something you can like instead of going to crc can you just file it straight through your insurance

I don't think so. Okay, so you have to report it through the collision reporting center. Yeah, so because when I was there, I asked one of the guys there, the coordinators, and I was asking him, Since I filed it today, does the other party have to file it too? And they say, yeah, they have to file it. If they don't file it, we'll issue a letter to them. Yeah, because it looks like they're not claiming the incident that happened. Yeah. The occurrence.

I think I was researching about it and I was saying, like, if they don't report it at a certain time, then they can be charged for run and hit. Hit and run, yeah. Yeah, yeah, yeah. So... Hopefully that's not the case. So going to the CRC, is that what they deal with? Just making sure that people are getting the correct claims?

Did they explain to you more like what's the purpose of like reporting it through CRC just because it's a collision? I think it's more of like it's besides having you claim the damages, you have a professional.

claim it the damages so like um i guess they're because they work for the government and like they they're not gonna be like persuasive or anything like that so they're gonna give you like not like just a little estimate of what the damages would be so that they can also um i guess bring it up to your insurance as well yeah so in this situation right because it's pretty clear through all the footage and like even

the uh damage on the cars that they were at fault is there any way that they can try to kind of turn things around into like a loss i don't know if this is the right a loss or like you'd be like oh actually you know this is what occurred or is it just like it's straight that they were at fault um The thing is, they didn't have dash cam footage either. I mean, I had it, but they didn't. Yeah. So that's one thing that was missing on their end. Yeah, so they could have...

Yeah, but even if they had it, you can tell who's in the wrong. So something like that would be kind of difficult for them to fight. Yeah, even if they had dash cam footage. Now the thing is, I think... If they have evidence that I wrote some, like, texted them saying, like, hey, sorry. Oh, yeah. Like, it's my fault or whatever. They could probably use that against me. Yeah. Or don't worry about it. Yeah. Yeah. Something like that.

But basically, this morning, my insurance representative person, they call it the jester, insurance ingester, he called me and then we talked for a bit. And then he was actually telling me that my car is in an undrivable condition right now. It is? Yeah. Really? Did you get it examined at an auto shop then? No, I got it examined at CRC. Oh, at CRC. Yeah, so they examined it.

um and they're saying yeah i have to repair no i can't i have to replace my bumper i have to my headlight glass is shattered so they got to replace that um But the fender, like the wheel. Yeah, the trim that wraps around. Yeah, that's like almost off. So I got to replace that. And then the estimate was about $7,000. So I...

Brought it to my insurance and they're just telling me like, yeah, you cannot drive. If your door, my door can't open properly because there's an indent. Sorry, it's dented. So it clashes with my door. So I can't open it properly. So he's like, you can't drive if you can't open your driver's door properly. And you might get pulled over by a cop because your headlights are shattered.

Really? Like the glass part is shattered. Everything works though. Everything works perfectly. It's just the glass part is shattered. I didn't know that. So that's something that a police officer can pull you over for, a shattered headlight. Yeah, but I was telling, like, my boyfriend, I was like, don't worry.

Like on my way to here. I was like, don't worry. Like if they do pull me over, I'm going to show them. I have a sticker that says damage reported to police. The police knows about it. You don't need to teach me what to do. Or maybe say like, oh, I didn't know that. I was on.

my way to the auto shop to get it fixed yeah yeah or my other excuse was um oh when i reported to the police they didn't teach me what to do they didn't well you're ready like they didn't tell me if i could drive it or not yeah right um

Do you have plans to get it repaired soon then? Yeah, so the plan is today I was talking to my insurance adjuster and he recommended three trustworthy auto shops that they can trust. Because if I bring it to like a family friend auto shop, they can just easily make a huge estimate and take that claim to the insurance and we can get the money, right? So they don't want that. So they're like, we need someone that we can trust.

Um, I was like, I'll bring it to my dealership, the Volkswagen dealership to get it estimated. So it's a valid number. Um, but when I called Volkswagen, they brought me.

to a different place because they don't do car accident damages so they're like yeah you can bring it to they gave me the number and that number ended up being the one that they recommended to me so like my insurance adjuster yeah the same one okay yeah so he's like oh that's perfect yeah that's the one we recommended um that's perfect that's trustworthy they have really good workmanship um and then so we're gonna

go on wednesday i'm gonna bring in my car on wednesday to get it estimated oh estimated so yeah they're just gonna estimate it so because this shop could yeah like like you said every shop would be different so this shop is just gonna give an estimate yeah

when I bring my car to the shop they are gonna keep my car in the shop for I don't know how long so it's gonna be a long time because they will give me a rental car oh i mean okay i don't know too much about this but like or if you know yourself does the rental car come with like the uh

Or I don't know, does it get covered just because your car is in the shop? Or do you have to pay an extra fee? Yeah, yeah, yeah. So it depends on what your insurance covers. So for my insurance policy, it covers rentals. So I don't have to pay anything. The only thing I have to pay is a deposit. So it was like a $200 deposit when I bring my car to the shop. And then I guess when I return the car back to them, then they'll refund that money back to me.

But yeah, it's not even with their company. It's with Enterprise. It's a car rental company. So what happens is I bring my car to the shop. Enterprise will come pick me up and then bring me to their shop. And then I get to choose the car. Okay. So I get to, I don't know, hopefully I want to try to test out a new car. Yeah, I want to test out a new car. We'll see. So I've seen the damages that were done on your car. Yeah. And I guess...

i didn't realize that you need to get the whole bumper replaced because i've seen it and it doesn't look like it's completely destructed or whatnot it looks like there's a few scratches do you know if you could let's say if it was your choice could you get away with not replacing the bumper because is there any damages that are affected if you don't replace a bumper?

No. You have to. No, no, no. There's no damages. I can choose to not replace it. It just looks scratched up. I would prefer to replace this. So you're going to replace it. Especially because I'm not the one at fault.

If I was the one at fault, then I have to pay out of my pocket for those damages. But because the other party is at fault, they will be paying for my repairs. Do you know in this case, is it full coverage? Like they'll be paying for... all of the damages to your car uh most likely yeah okay so that's that's a good point yeah yeah you're not at fault then yeah it's like why not get everything yeah exactly right um

But yeah, I'm assuming it's going to take some time because they were telling me that because I have to replace the bumper, for example, they have to order the piece. Yeah, so I don't know how long that's going to take.

So we'll see. So how does this work? If you're claiming it from your insurance, what does that exactly mean? What are you claiming? Because you have this insurance, you can claim money from the party that did the damage. Yeah. Is that how it works? Because the insurance was... The reason why every driver needs insurance is to protect your own property. Same as a home. You want insurance to protect your home in case a tornado happens.

It's not like your own damage. Like you didn't damage the house yourself. You're not liable for it. Yeah, it's a natural disaster that happened that is liable for the damages. So the insurance would pay for that. So in this case, your insurance will be in contact with... the other party's insurance, to collect the claim to cover your damages. Exactly. In their case, then, since they're the party that was at fault, is there anything they can claim for their own damages?

do you know like because yeah obviously they're at fault but is there like can the insurance company help them at all lower the cost that they need to repair their whole car because they had a lot more damages right yeah I think what happens is you want good drivers to be on the road, right? So if you have...

If you got into a collision and it was your fault, they're going to actually raise your insurance coverage because they're like, you're not a good or safe driver. We need more money to cover. In case this happens again. This happens again. Yeah, yeah, yeah. Okay. So that's actually the reverse effect. They're not going to lower their costs. It's actually going to raise the cost for them, which sucks. Yeah.

So you think on there and then the damages that have been caused to their car is being fully covered by themselves? I think so. Okay. So that's where like you can see people with like two different color car parts because they probably went to one of those. warehouse like what do you call those like those dumpsters there's like like one of my friends for car parts yeah you there's like you would go there and search for parts

Right, so I think he can do that if he wants a cheaper option. Yeah, that's just one alternative for him. But... yeah so in this uh whole like situation that happened what first came to your mind did you want to call someone did you have any or

Did you kind of like, okay, I can figure this out on my own? Because I feel like if I was put in this situation, I'd kind of be very flustered and like overwhelmed. I'm like, I have no clue what to do right now. Like maybe I should call someone who knows something about this.

Maybe I'll call my parents because, you know, maybe they know a bit more. Was there someone who came to your mind when this happened? Um, no. you're like i got this because my i i'm i feel like my independence is like pretty up there so when it happened i was like i'm on my own i will handle all this because the way i see it was um i didn't even tell my mom about the incident until like late at night

she didn't see it she never sees your car anyways yeah she didn't hear anything about it until i knew that she was okay to handle my story um so Even then, I didn't even think of asking my boyfriend for help. Yeah, so he was having his practice with his team because I was on my way to pick him up. So I was like, oh, he probably doesn't have his phone on him, so there's no point in calling him.

My first thought was to call insurance. But I hate being on hold. I don't like waiting in line to be the next person. So I was like, I'm going to do this later. I think my first thing is to get all their information and make sure that it's correct.

And luckily you mentioned you had this app that you can claim your insurance through. So you didn't necessarily need to be on hold with them, right? You can just go straight to the app? Yeah. So I think what happened was once I gathered all that information and I felt confident with the information.

Then I was like, okay, I think I'm ready to use the app and let my insurance know. And that's what happened. But I think what happened was the tow truck drivers did do something where it was like, oh. They were trying to understand the situation too. Because for me, when we first collided, I was like, oh, I'm in big shit. That's my first thought. Even though I was not at fault, I was like, oh shit, I am in trouble. But the tow truck drivers were asking me, like, what happened?

And then I told them the situation and they're like, don't worry, we're on your side. Wow. I was like, okay. And then obviously they're like, we need to tell you i was like no i'm okay they just want my business it's so interesting to hear i guess like when you look back on things you're able to like reflect and see um the situation in a calmer state of mind because like when you're telling me the story i i thought you had things figured out but like like you said you're like oh shit like

i'm the one at fault you didn't know right and then when you look at the footage too i guess like because obviously it wasn't in it i'm like okay you know she wasn't at fault yeah but in the situation you're sitting in the car you're like i'm in an accident i'm at fault yeah yeah

Because when it happened, I thought I was driving over the speed limit. Oh, so you're like, maybe that's the reason why that happened. Yeah, so normally on that road, it's 50... kilometers per hour but because we were just about to pass by a school i thought the speed limit would have changed to like 40 or something true so then um yeah i checked my dash cam it tells me the exact speed i was on

So I was at 42, 43 kilometers per hour. And then, yeah. And then when I, so I'm still driving. So when I drove by it, I saw that speed limit was 50. So I was. That gave me more confidence. Yeah. But other than that, I mean, when things like this happen, it's scary. But I think staying calm and making sure that you're okay. That's good, yeah. Because for me, like...

Yeah, I didn't even I didn't even like make sure that I was okay or not like for me It was more like that's true. Did you feel anything like was? Like you it didn't look like it or sounded like you were hurt in this situation but you know i don't know if you felt like um what's that word when you whiplash yeah was there any sort of whiplash at all um i had a headache afterwards after a few hours after a few hours i had a headache yeah um

But other than that, everything is good. Did you spend the evening to rest then? Because you mentioned you were on your way to somewhere. Did you continue to go on with your day then? i did okay so josh my boyfriend yeah he had a chess tournament at his workplace oh that's what it was okay so we had to go there oh at least it wasn't something like super strenuous on your body later on yeah

So I guess adding on to this then, like hearing you tell your mom about this a bit later, how do you feel like the reactions were? to the people that you like told like yeah josh your parents maybe your sister like what were the reactions because i feel like sometimes when you think about asian parents they're just like

Oh, like your fault. Why did you do that? So what were the reactions you kind of received from the people you've told so far? Yeah, so I think the reason why I called... my family to explain the situation late at night was because I needed time to myself I needed time to relax and uh kind of like go through what happened because I feel like um even though I submitted my claim and everything

I took a few minutes to figure out how to use my dash cam and how to get the footage. Because this was my first accident. So I was like, okay, now let's try to get the clip out from it. So I got the clip. So now I have some evidence. So I can send that to my family too. Because I wasn't home that night. I was spending the time with my boyfriend. So...

Yeah, so I called at night because I knew like they just finished dinner. They're probably just watching TV now. So I'm like, okay, it's a good time to call. I called and exactly what you said. My mom was like, should have been more safe. Yeah. Why?

Did you not see it coming? I was like, no. I explained it to them in a calm manner. And I was like... you know what let me just show you the video i feel like the video can explain it to you better same as the photos you can it'll explain it to you better like it'll show that i'm not the one at fault and then um yeah so basically that's what happened Another reaction I typically... In situations where...

parents overreact. Yeah. Another thing is like, did you do this? Did you do this? Did you do this? Yeah. Is that a reaction you got from your parents at all? No. Okay, they're just like, why are you not more careful? I think my mom knew at the time. If she did that, I would freak out. And at the same time, she never...

knows that i can handle the situation and the problems on my own so she didn't freak out like that but she was just more like oh you should have been more careful um you should have You should drive more carefully and all that. I'm just like, okay. I'm like, yeah, that's what my mom would say. I kind of saw it happen. I foreshadowed the whole situation that my mom was going to say all that to me.

And then the crazy thing was I have friends that like have a lot of speed tickets, like speeding tickets. Really? And I was like, I know one or two, they don't have dash cams. so yesterday I messaged them and I told them get your dash cams like you need a dash cam because they speed like it's not safe I've been in their car and I don't feel safe sometimes and the funny thing was um

One of them actually works. We used to work together. And he was telling me, oh, don't worry. I just installed it like this week. Oh, really? He had it. I knew he had a dash cam, but he never installed it. Okay. He had it for a year and never installed it. Or maybe more than a year. And the reason why he got installed was because our boss's daughter got into an accident last week. Wow, what are the chances? She got t-boned. So she was making a left turn.

oh it's if they were she wasn't at fault though someone someone team yeah someone team won her so the light was yellow And so she was already like halfway through to make the turn, the left turn. And some white SUV just like rammed into her. So did she get hurt at all then? She didn't get hurt. Because it's right at the door where she's sitting, I mean.

uh or the passenger side so she's okay the passenger she was the only one in the car too yeah so i think the two cars i mean the two car doors on the right side is like damaged um Yeah, so because of that, he showed me the dash cam footage. I have it. I can show you later. I have the pictures of the damages, too. But basically, because of that incident, he was like, oh, don't worry, I already installed my dash cam.

I was like, good. And I asked my next friend. I'm like, you have your dash cam? He's like, no, I don't. And then I just told him, like, you should get a dash cam. Because he's a massage therapist. oh i see he's like any injuries did you claim anything oh yeah i could be your witness but i was like no it's okay i really reported everything yeah so for anyone who doesn't have a dash cam

Is there a recommendation that you have for where you got yours? Where do you feel like people can find a good dash cam? Because you mentioned yours has a speed limit and everything. Because I think my dash cam is like... maybe aliexpress maybe like something very cheap and it doesn't um it just shows the video recording yeah so that's all you get yours that's all you need to be honest that's all just some video file for yeah yeah because um

As long as there's a clearer view. Because for me, I had my stuffed animal. I had the reflection there. So I was kind of worried too. Like the insurance adjuster was like... They're not going to take you seriously. Yeah, it's like... There's like... What's that thing called? Glare? There's a glare or it's like the video isn't clear enough for me to adjust it for them. I see. Yeah, but it was fine. Okay, so...

The speed limit that was shown on your dash cam, that was just an extra additive to make you feel like, okay, I wasn't going too fast. So you don't think that's actually necessary, just as long as there's some sort of video display.

to catch any action going on yeah i would say so okay because that's you just want that evidence right oh when i did go get my dash cam like i was looking at amazon too um i was looking through all the reviews and then i think i ended up going to best buy to buy dash cam but before i made my purchase i talked to like a customer representative or someone that worked there that could answer my questions because I was wondering if I needed a reverse dash cam.

like the back dash cam but he told me that that's not necessary yeah yeah as long as you have a front dash cam that's all you need yeah i think because there's more uh like at the rear it's typically the person who's at the back would be at fault right yeah yeah

I guess for branching off, for anyone who may not have insurance, how did you go about the process of like... getting insurance and insured i guess like so obviously you got your license i guess you got a car yeah and then you how did you even like choose the company that you're with because obviously there's a lot of insurance companies that you don't choose from right how did you do that like what was your process I think it was actually a really easy process

because my friend he had a connection with his insurance broker so this insurance broker he works with multiple agencies so he works with like intact he works with i don't know the other i'll state okay so he knows all the prices uh and depending on like who you are and what your personal information is he'll find you the best rate so this insurance broker yeah

how did you find is this through like a bank or like through uh it was through my friend so he he's just called an insurance broker he's just he's just an insurance broker he you just base it off his name his phone number okay you call him you give him the details because before i

bought my car i already went up to him and asked him like this is my personal information i'm looking at purchasing either this car or this car how much would the insurance the insurance be for both so i was comparing prices too that's a good point um

And then he'll find which company gives you the best rate and then who will help you register under that company. Yeah, that's actually really cool because like... feel like there's like like i said there's like a lot of companies so it's like how do you even decide what to pick so that's nice that that insurance broker can kind of help you out with that process yeah and it's very interesting that you mentioned you actually looked into

talking to the insurance broker before you bought your car so i feel like that's kind of something helpful for people maybe who are looking to get a car kind of gauging also what the insurance rate might be right yeah so it's actually a big difference when it comes to G2 or if you get your G license. Because for me, I got my car when I had my G2 license. Oh, I didn't even know that. And then once I...

I knew that rate was going to be high. So I wanted to quickly get my G license. So once I got my G, I quickly told my insurance broker, hey, can you update my information? If it's just like that, I got $1,000 back. Just because I got my G. And for insurance as well, like, is this charged monthly? Like, how often do they charge you?

Yeah, so you can do monthly, but you can get a discount if you pay for the whole year. Okay. So you got a thousand back for the year? Yeah, for the year. For the year. Yeah. Okay, so you covered yours for a yearly then. Yeah. and then once you got your license as a g your insurance dropped a thousand dollars yeah so they refunded it back to me so yeah that's how like big of a difference it is um yeah

Overall, I think having insurance is important. Also, even if you do vacation, if you plan vacation, especially at times like this, you never know. if you have the opportunity to buy the insurance for your flight i would say do so because i also went through a situation where I couldn't make it to my flight. And then we couldn't cancel it. No refunds. Couldn't even transfer my flight ticket to someone else. So that was crazy.

And that would be a whole different insurance claim, though. Like, you know what I mean? Like, it's like travel insurance, right? So it doesn't have anything relative. Because I know you also mentioned, like, life insurances. Does that cover any... thing in general i guess life insurance is more about like if you get hurt no when you pass

Oh, yeah. So that life insurance is actually passed down to your beneficiaries. So like your kids or your siblings. Oh, wow. Wow. Wow. I did not know that. So it's insurance on your life. oh okay so there's no general okay yeah i don't know if you like if you injure yourself do you get compensated i don't think it works like that but that's why we hear like a lot of homicides yeah where it's like oh the wife killed the husband because she wanted his life insurance

Oh, I see. Yeah. Yeah, I think that's how I'm getting the information from. This is really interesting. Basing off of life insurance. Yeah, I didn't know. I mean, like the whole idea of having insurance is very interesting and I feel like... I mean, I never really thought too much about it. Like you mentioned your travel insurance, right?

it's very interesting because you have to claim it for a lot of things like you mentioned your house your car yeah travel like there's a lot of other things so um for pets they also have insurance did you know that i did know that i didn't remember our i i know we don't have insurance on our dog you don't need it for you don't need but like i remember our vet i think or someone asked us about it and we're like

It's okay. I think she'll be fine. Yeah, yeah, yeah. Well, I thought insurance was to lower down the vet fees. No? Actually, I have no idea. I actually... i we weren't clear about it but we just heard the cost and we're like okay maybe oh yeah this is a random question does um lily have like a chip in her yes she does right yeah is it like by her neck i think so yeah And that's for medical information or is it to track her in case she gets lost? I think it's for tracking, yeah. Oh, okay. Cool.

yeah yeah that was a random question but i was just so curious yeah i was like i think so i remember her getting like a micro trip of some sort yeah but i think it is for tracking now okay yeah well um is there any no i mean i think that was very informative on my end because i personally haven't been in any sort of uh accident like thankfully and thankfully also you're okay and like it wasn't anything to

larger than it was i guess and you're able to learn and um help others even through this experience right yeah and even through yourself right you i feel like there's a lot of little things you don't think about like even as simple as like a dash cam yeah so i feel like that's very informative exactly i think it's very important to always like be

proactive more than reactive like always be prepared for situations like this because you never know when it might happen right and especially when it does happen it happens so quickly right so um Just be safe out there, guys. Yeah, and thank you, Tracy, for sharing this story with us. I feel like hopefully we can teach and give you guys some lessons through our experiences that we encounter.

Okay. I mean, it was a great episode. I hope you guys learned a lot. So we'll catch you guys soon. This is Tracy. And this is Margaret. See you next time. Bye, guys. Bye.