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Questions About Auto Insurance & Accidents

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  • MrShift@EdmundsMrShift@Edmunds Posts: 43,632
    You can also accept the settlement for the total and then buy the Jeep back (if they'll sell it to you) and have it fixed. I don't recommend it but some people do that, usually by shopping for used parts.
  • tba2tba2 Posts: 15
    edited March 2013
    On the airbags...I was just going by what MY adjuster said on the phone; that if both were deployed he'd total it. That said, the other insurance adjuster was a lot more friendly than mine. lol.
    Yes, I chose the repair shop. I've had a lot of work done there and he's the absolute best in town.
    I just got off the phone with the shop and it got there too late for them to get an estimate. (it's Friday!) That's fine.
    But, he's the owner, and he said he walked out and looked at it and said actually, the damage was not as bad as he would have thought it would be.
    We'll know more Monday. He did comment on what exceptional shape it's in and he understands me wanting to keep it.
    I told him I wasn't sure how all of this worked but the bottom line is I have $8400.00 tied up in that Jeep. I don't know about percentages, allocations, insurance red tape.
    I just want my Jeep back exactly (as possible) like it was.
    He seemed to think, especially since the other vehicle was there, and he was dealing with both at the same company, that he can make this work out.
    He also said since we had only had it 3 days, he had worked with this insurance company a lot, and my asking for it to be fixed..based on the total of my $8400.00 investment...would be honored by her insurance company.
    So we'll see I guess. I feel good about it.
    I guess I feel good in knowing I'm doing what I can to make a bad situation right..and yes, I want to get behind of that fine Jeep again. I'm thinking I'll keep it and get my son something else. Save the miles on my diesel truck. :)
    Hate it about your Saturn buddy. Those are pretty good rides though.">
  • Kirstie@EdmundsKirstie@Edmunds Posts: 10,674
    Thanks for the clarification. Somehow when I was writing all of that, I was thinking of the diff between liability only, and comp & collision coverage.

    Need help navigating? kirstie_h@edmunds.com - or send a private message by clicking on my name.

  • tba2tba2 Posts: 15
    edited April 2013
    The estimated to repair it is $11,000.00
    Seeing as the NADA is $7,200.00, I guess it'll have to be totaled.
    And this just totally hacks me off.
    'Be glad your family is ok! So sorry for you. Hate it for you. That's what insurance is for.'
    I mean, I've just never dealt with this.
    Just seems so wrong some peabrained lady can just TOTALLY mess something up, and now not only do I loose something I was so proud of....
    I gotta start allllll over finding another vehicle. All of my time lost, all of my dealings.
    Ain't right.
    I know, that's whining...but it is what it is.

    But I don't have to like it.
  • andres3andres3 CAPosts: 5,278
    I gotta start allllll over finding another vehicle. All of my time lost, all of my dealings.
    Ain't right.
    I know, that's whining...but it is what it is.


    I don't think it's whining. I think people should be more careful, as 99.8% of accidents aren't really accidents, but perhaps should be called "negligents" and "incompetents."

    That being said, you should go after every penny against that ladies insurance company:

    I'd be claiming the following:

    1) equivalent rental car (jeep or equivalent) while you look for a new vehicle up to 3 weeks.

    2) Lost time and purchasing research at $50/hour (approximately what? maybe 12 hours?).

    For the amount you get you should be able to find a very similar jeep.
  • MrShift@EdmundsMrShift@Edmunds Posts: 43,632
    that's not going to happen.

    you might get a car rental through your OWN company,however.

    As for the final settlement, as I mentioned, you can fight it out.

    Have they given you a firm offer yet?
  • andres3andres3 CAPosts: 5,278
    #1 can happen, I agree #2 is asking maybe a bit too much.

    I've received rentals from the "at-fault" insurance company before.

    You have to insist that the rental isn't a "Kia Rio" to replace your "nice" car, and they will resist, but you must resist equally forcefully in the opposite direction. There is no logical reason you should have to put up with a "lesser" vehicle, even temporarily.

    3 weeks may be a bit much, I would rush and wouldn't push it much past a week.
  • euphoniumeuphonium Great Northwest, West of the Cascades.Posts: 3,305
    Sounds like "crying in his beer". Insurance should not cover claimants lost time - his clock wasn't damaged. Rental car is to be provided until the adverse company makes a reasonable offer to settle.

    Inconvenience is not to be considered or covered - that's life - man up.

    Purchasing research at $50/hour is not property damage, but resultant expense not directly connected to the impact. :P
  • tba2tba2 Posts: 15
    Yikes. No need to get ugly dude.
    And, sorry your job as an advice columnist didn't work out.
  • marsha7marsha7 Posts: 3,661
    Yeah, you will NOT be compensated for your lost time looking for a replacement car, ya gotta just accept it...I know it hurts to lose a car you liked so much, but there is no value to sentimentality, at least in auto wreck negotiations...

    In GA, if your car is repaired, you get a rental car, generally, for as long as the shop deprives you of your vehicle...if your car is totalled, they will usually only give you 3-5 days of a rental, since totalling your car is the functional equivalent of simply buying your car from you...
  • kyfdx%40Edmundskyfdx%40Edmunds Posts: 25,856
    I consider shopping for a car to be entertainment... :P

    Moderator - Prices Paid, Lease Questions, SUVs

  • tba2tba2 Posts: 15
    Normally, yes...well, maybe. lol.
    But in THAT span of 5 days:
    -The wife's van died (it was an expected death..it was in autohospice, painless but it had lived a good life).
    -Our clothes drier died (completely unexpected) and we had to order one that took a 5 days to get here. We rack dried stuff for that 5 days. Crispy dried clothes and towels was weird.
    -My wife's mom had to have emergency surgery and they found cancer. Her father already has had a stroke and needed her mom to care for him, now she and the other kids are having to care for them both. Our local Enterprise was OUT of cars that day of the wreck. She is driving the in laws van for right now.
    -My son's Playstation 3 died (unexpected)
    These are just the abnormal things that happened, in addition to the normal life things that get sideways.
    And then, the perfect vehicle I'd been looking for showed up! Been used by an ole lady for church/Walmart for 10 years then back in the garage, with only 97K on it. PERFECT/shiny mint condition.

    And then, 2.5 days later, it's totaled because this lady frank pulls right out in front of my wife on a bypass, 2 more foot and she'd have tboned the woman at 55 MPH in driver her door.
    So...yes, normally I like the car looking thing.
    Not so much at this point though.
    So, join me for a whiney beer!! (or two)
    :)
  • Stever@EdmundsStever@Edmunds YooperlandPosts: 38,914
    edited April 2013
    Ouch, lots of grief to deal with in a short time. :sick:

    The trick to drying clothes on the line is to take them down when they are first "dry". If you let them hang around they turn to corrugated cardboard. I do mine that way in the basement, but then again, I'm cheap frugal.

    That reminds me, my insurance is due and it's been a year since I got quotes.
  • tba2tba2 Posts: 15
    Good stuff!
    Thanks man for the clothes dryer advice.
    Corrugated cardboard was weird underwear. :shades:
  • imidazol97imidazol97 Crossroads of America: I70 & I75Posts: 17,688
    edited April 2013
    You've had a really bad run of events. You have my sympathy about trying to handle all that.

    >Corrugated cardboard was weird underwear.

    Talking about underwear, check out this latest use for old underwear: shoes from Jockey.

    image

    This message has been approved.

  • kyfdx%40Edmundskyfdx%40Edmunds Posts: 25,856
    I'm going to guess that the ad came out on April 1st?

    Moderator - Prices Paid, Lease Questions, SUVs

  • imidazol97imidazol97 Crossroads of America: I70 & I75Posts: 17,688
    >April 1st?

    Right. That won my belly laugh of the day award--after I realized it was a joke. I read into the link for a minute before I caught on. But my toes were cringing at the thought of being inside someone else's old underwear.

    This message has been approved.

  • tba2tba2 Posts: 15
    haha, that's good stuff.
    That came out the same day that Redbox sent me an email that they were now selling bologna/ham/swiss cheese in their kiosks. LOL.
    I needed that laugh.
  • andres3andres3 CAPosts: 5,278
    The correlation between "no fault" States and extremely high costs versus States with at-fault policies, that have extremely low costs for insurance?

    It doesn't take a rocket scientist to figure out that would happen. If there's little consequence to causing accidents, then people won't care and therefore you have more accidents. Sometimes I think 5% of the drivers are causing 95% of the wrecks; any data on that?
  • Stever@EdmundsStever@Edmunds YooperlandPosts: 38,914
    edited April 2013
    Michigan is no fault and the rates are awful.

    Michigan Tops Another Auto-Insurance Cost List (SB Wire)

    Idaho is a "comparative negligence" state and our insurance was about half there - same vehicles, just older now (as are the drivers :shades: ).
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