mcsluggo Posted July 15, 2010 Share Posted July 15, 2010 nobody was hurt.... which is what is important, of couse. but man, i REALLY hate car shopping! !%$!@^%$!@!!! the other driver was found to be at fault, and it was my beater second car (95 Camry). But that basically means that i will not get jack back (I assume i will get what i could've sold it for, NOT what it will cost to replace it. which blows. Question: They have already agreed to provide a rental car for some time period. In the end, the 2 or 3 weeks of rental car payments will end up being worth about as much as my car, probably. Is there any way I would be able to just cut an up-front settlement with the other drivers insurer to just split the difference between what they WOULD pay for rental car, and zero (I plan to use this as further motivation to bike all the way in to work for the rest of summer). #2: if that is unlikely, should i deal primarily through my own insurance co (and count on them fighting for OUR rights) or just deal directly with the other insurer until they clearly try to screw my pooch? #3: any other words of wisdom? Link to comment Share on other sites More sharing options...
brianm23 Posted July 15, 2010 Share Posted July 15, 2010 Sorry to hear about your accident, but glad to hear everybody is ok. ps. include pics Link to comment Share on other sites More sharing options...
Bang Posted July 16, 2010 Share Posted July 16, 2010 Well that sucks. Sorry to hear about your bad luck ~Bang Link to comment Share on other sites More sharing options...
mcsluggo Posted July 16, 2010 Author Share Posted July 16, 2010 it is not all that impressive LOOKING, but it smashed in both passenger side doors, with a little damage to the rear fender and trunk thrown in for good measure. It wouldn't qualify as "totaled" if it was 2009 Escalade.... but it doesn't take much of a total repair bill to swamp the value of a 95 camry ! Link to comment Share on other sites More sharing options...
hockeysc23 Posted July 16, 2010 Share Posted July 16, 2010 The time inconvenience always seems to be worse than the financial trouble. Good news is you are alright. It never hurts to ask about cutting the check. Best of luck getting back to where you were quickly. Link to comment Share on other sites More sharing options...
twa Posted July 16, 2010 Share Posted July 16, 2010 Deal with the other ins first,they are under pressure of liability and generally will be more generous. Never hurts to try on the rental,though most use base formulas for valuing totals and the rental can be cut at their discretion at a reasonable time(usually 5 days) after a settlement offer. glad you are OK, aches and pains + inconvenience compensation is not unreasonable if applicable. Link to comment Share on other sites More sharing options...
Destino Posted July 16, 2010 Share Posted July 16, 2010 Make sure you're ok... neck and back pain sometimes pops up a few days later. Link to comment Share on other sites More sharing options...
Ryman of the North Posted July 16, 2010 Share Posted July 16, 2010 Destino is totally right, I always thought that was people milking it but a few months ago I was in an accident that wasnt really that bad (totalled the car tho) and 2 days later I couldnt turn my damn head. so get checked out. Link to comment Share on other sites More sharing options...
zoony Posted July 16, 2010 Share Posted July 16, 2010 That sucks man sorry to hear it. I have a 97 F150 that I've had since new. I've taken care of it to the extreme. I only drive it when I go to lowes etc. But whenever I do someone always comes up to me to tell me how nice a truck it is The transmission has never gone 25k without fluid change. The oil has never gone over 3k. The paint is perfect. The interioir is pristine. And if I totaled it, insurance would probably give me 5k or whatever kbb says its worth. I wouldn't take 15k if you offered it though, seriously. I can empathize with you... If I wrecked it I wouldn't want the money I'd just want my truck back Link to comment Share on other sites More sharing options...
PleaseBlitz Posted July 16, 2010 Share Posted July 16, 2010 Make sure you're ok... neck and back pain sometimes pops up a few days later. QFT, except swap "weeks" for "days." Back pain is ****ty by itself, paying for treatment is even worse. Link to comment Share on other sites More sharing options...
mcsluggo Posted July 16, 2010 Author Share Posted July 16, 2010 well I woke up really stiff this morning (and not in the usual way *rimshot*) i have no idea where THAT is going to head Link to comment Share on other sites More sharing options...
zoony Posted July 16, 2010 Share Posted July 16, 2010 Well, your brother is a lawyer, so not sure why you're asking us this , but I would definitely let your insurance company handle their insurance company. If it were a fender bender or something that might be one thing, but with your car totaled I would definitely make sure you have a pro involved start to finish. I got hit by an 18 wheeler years ago in a parking lot and from the word go their insurance company tried to **** me at every turn. Literally seconds after the accident. Ended up going to arbitration w/ my insurance company. They ended up paying after months of silliness. Link to comment Share on other sites More sharing options...
mcterry7 Posted July 16, 2010 Share Posted July 16, 2010 Question: They have already agreed to provide a rental car for some time period. In the end, the 2 or 3 weeks of rental car payments will end up being worth about as much as my car, probably. Is there any way I would be able to just cut an up-front settlement with the other drivers insurer to just split the difference between what they WOULD pay for rental car, and zero (I plan to use this as further motivation to bike all the way in to work for the rest of summer). #2: if that is unlikely, should i deal primarily through my own insurance co (and count on them fighting for OUR rights) or just deal directly with the other insurer until they clearly try to screw my pooch? #3: any other words of wisdom? McSluggo, I work in the insurance field. What I would recommend first and foremost is to look up comparables for what your vehicle is worth. Use cars.com and autotrader.com. Unfortunately most insurers won't negotiate an up front settlement so I would take the rental vehicle as they will pay for the full cost of it and the accompanying insurance if you don't have full coverage. To your second question, it would depend on if you have full coverage. If you do you would be able to go through your insurance company for the damages, however they will withold your collision deductible until they get reimbursement through the other company. The only circumstance where this would not take place would be if the other driver is not insured. I would recommend dealing with the other company unless they are clearly trying to take advantage of you. PM me with any questions and I hope that this helps. Link to comment Share on other sites More sharing options...
joeknows Posted July 16, 2010 Share Posted July 16, 2010 a 95 camry? how the hell did that not get stolen at some point??? Link to comment Share on other sites More sharing options...
Aruna Posted July 16, 2010 Share Posted July 16, 2010 Some stiffness is probably to expect after an accident, for whiplash damages it's good if you can keep up your daily routine but not over-exerting yourself as it heals quicker if you're active. Always check up severe pain or worsening symptoms though. Link to comment Share on other sites More sharing options...
twa Posted July 16, 2010 Share Posted July 16, 2010 I would disagree zoony, dependent on the other insurances actions of course If they are providing a rent car and up until you feel they are not acting in good faith it is better to simply deal with them on a older vehicle total. That leaves both your ins and arbitration as a resort. just a note,they will handle any injury claims separate from actual physical loss of your car. Link to comment Share on other sites More sharing options...
Tweedr01 Posted July 16, 2010 Share Posted July 16, 2010 That sucks man sorry to hear it. I have a 97 F150 that I've had since new. I've taken care of it to the extreme. I only drive it when I go to lowes etc. But whenever I do someone always comes up to me to tell me how nice a truck it is The transmission has never gone 25k without fluid change. The oil has never gone over 3k. The paint is perfect. The interioir is pristine. And if I totaled it, insurance would probably give me 5k or whatever kbb says its worth. I wouldn't take 15k if you offered it though, seriously. I can empathize with you... If I wrecked it I wouldn't want the money I'd just want my truck back uh the reason you wouldn't take 15k is its a freaking F150, best truck on the road sir i have a 2006 and it only has 35k miles on it, treat it like gold, and i am gonna keep it till it dies, so it'll probably outlive me! always reminds me of the country song 'pickup man' by joe diffie Link to comment Share on other sites More sharing options...
sideshow24 Posted July 16, 2010 Share Posted July 16, 2010 just a note,they will handle any injury claims separate from actual physical loss of your car. True. Once you get a fair offer for the car, accept payment for that and don't rush the medical settlement until you are confident you have no lingering injury. Also, don't keep the rental past the turn in day or the rental company will hit you with the charges once the company stops paying. Link to comment Share on other sites More sharing options...
mcsluggo Posted July 20, 2010 Author Share Posted July 20, 2010 Well, your brother is a lawyer, so not sure why you're asking us this , but I would definitely let your insurance company handle their insurance company. If it were a fender bender or something that might be one thing, but with your car totaled I would definitely make sure you have a pro involved start to finish. I got hit by an 18 wheeler years ago in a parking lot and from the word go their insurance company tried to **** me at every turn. Literally seconds after the accident. Ended up going to arbitration w/ my insurance company. They ended up paying after months of silliness. that dweeb failed all of his ambulance chaser classes.... but he is always the first call for constitutional law questions Link to comment Share on other sites More sharing options...
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