Now came to #2 incident month later, it's a raining morning, I made a full stop at T section where the stop sign is very behind and on the left there's this house with fences blocking the view, so I had to move my car forward to see both side before a turn, this time another woman driving Dodge Journey fast approaching from left, I had to hit the brake, but she (no any action of brake) hit my left front wheel, my car totaled (image a truck hit a sedan), I was injured by seat belt and impact. and just because my hard movement at the time, I didn't find any witness on my side, while later on, from disclosure I learned that her daughter (12 year old) in the same car became the only witness in the note stating that I wasn't stop at the stop sign. I went to the T section closely looked again, her road is a main road with no traffic lights and no stop sign but not far from where I entered, there's traffic lights and a speed meter plus walking safety sign (tells that road had lots speeding issues). officer charge me "careless driving" and summon for court. On the court date, prosecutor offered a lower fine "turn -not in safety" with 2 points and a fine. I told the court that I need to review the disclosure and decide if to plea guilty. so Do I take the trial or just bite the bullet ? it would be so hard to proof that she's speeding, and I don't have any other witness can help me on this case. guess probably just be a lesson learn for me and let time heal the mental and physical damage. my insurance got skewed as well.
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Careless Driving is the worst of the worst. Driving 50km over, impaired driving, driving with no insurance, leaving the scene of an accident... all pretty much the same thing. 100% surcharge on insurance IF they even want you. There is a good chance they will tell you to take a hike. That means you'll be looking for high risk insurance. Especially considering you have at least one at fault accident also.
Turn not in safety is the equivalent of a minor speeding ticket. So if you've ever had your every day speeding ticket, it will be much like that.
In terms of insurance, the difference is pretty drastic.
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