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Questions About Auto Insurance & Accidents

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  • imidazol97imidazol97 Crossroads of America: I70 & I75Posts: 18,038
    >She�ll

    Why are there all these question marks throughout your post instead of certain characters or spaces?
  • steverstever YooperlandPosts: 39,944
    Usually I see that kind of stuff when people compose off-line in MS Word or something and the punctuation code will tag along (that's she'll in this case).

    That said, I'm not seeing it.

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  • marsha7marsha7 Posts: 3,666
    pristine cars, like that Caddy with low mileage, is that after 10+ years, it has lost much of its value, yet replacing it would cost much more than it is worth...esp after it is paid off...

    euphonium: I always walk a tightwire with some of these accident cases...does not matter if it is physical therapy or chiropractors, they are the two main healing arts that will see a person 2-3 times weekly for a number of weeks...I personally believe strongly in both of them as valid treatments, much better than pain pills and muscle relaxers from MDs that almost put folks to sleep or makes them feel loopy, rarely helps the pain and rarely helps the spasm...if asked, I usually recommend either the DC or the PT for treatment after the wreck...

    Having said that, I also have a few caveats...I tell the client that if they feel MUCH better before the recommended treatment regimen has ended, feel free to talk to the PT or DC about winding down the intensity of care faster...I am NOT playing doctor, but trying to help control bills that do not need to go any higher than they have to...same with the DC or PT...if this is a case with minor injuries, with mild vehicle damage under, say, $2,000.00 or less, I will inform the practitioner that we do not have a severe case and to be watchful of their treatment...

    Now, with $10,000 or more damage (on an average car, which implies a LOT of impact and damage, not a Ferrari where $10,000 damage is a scratch on the fender) I expect that the treatment bills will be higher, and that is quite reasonable...

    People REALLY DO get injured in car wrecks, and sometimes it is not herniated discs or fractured bones, but serious soft tissue damage...

    And yet, some folks run into a concrete bridge at 60 mph, stagger out of the car, and feel no pain at all, even after the shock wears off after a few days...it does make you wonder...
  • steverstever YooperlandPosts: 39,944
    They go something like this - "Your auto insurance company is hiding discounts from you. Why? Because if everyone knew this one trick, they would save an average of $455/year. That's $455 more in your pocket and $455 less in theirs. Find out what your lowest monthly payment could be."

    The one trick must be to sell your car and take the bus. :P

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  • fushigifushigi Posts: 1,232
    Change how your browser interprets the page encoding.

    In Firefox, click the orange Firefox button (top left), select Web Developer then Character Encoding then Western (Windows-1252) or Unicode UTF8.

    In IE, right-click the page, select Encoding, then Unicode (UTF-8).

    In other browsers, look for a similar option.

    That normally fixes it.
  • msjillmsjill Posts: 1

    My car was hit in a hit and run. It's a 2005 Subaru Impreza Outback Sport and I love it. Anyway, there's damage down the whole driver's side.

    Long story short, they left behind pieces of their car, from which I discerned it was a maroon 86-91 oldsmobile with chrome (hubcap and pieces of bumper), and I spent three days riding my bike around looking for the car that hit me and actually found them! The police talked to them and they admitted doing it. They also admitted it to their insurance company because the police officer told them if they didn't he would start working on a warrant for hit and run. I wish he would do that anyway.

    I think I should be compensated for the time and energy I spent finding the jerk who smashed my car up and tried to get away with it. The insurance rep I talked to said they only pay for repairs. Does anyone think I have any kind of chance at being compensated, no matter how small, for this? This whole thing has really pissed me off. This guy smashed my car up, no doubt drunkenly driving by my house, and just drove away and never came back, and he is getting the same consequences as if he had stopped and given his info to me when it happened. He's not even getting a ticket. The cop said 3 days was too long of a gap to give him a ticket, even though he has his confession on video tape as well as physical evidence from the scene the day it happened. Any advice? Maybe I should just be glad I found the guy

  • steverstever YooperlandPosts: 39,944
    edited April 23

    You could try calling the cop's supervisor or make a stink with the mayor or city/county attorney. Doubt that you'd get any money damages from the guy but you could give him "three days of grief" if his license gets suspended or his insurance gets cancelled.

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  • Mr_ShiftrightMr_Shiftright CaliforniaPosts: 44,402

    you ARE lucky you found the guy. Most people never do. I agree with Steve, a hit and run event should be a ticket-able offense---although the guy will probably be punished financially through his insurance company. I trust someone verified that he HAS insurance? Usually that's why they skip in the first place--they are not insured.

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  • euphoniumeuphonium Great Northwest, West of the Cascades.Posts: 3,321

    When no insurance, the state Financial Responsibility Law comes into play & the state revokes his license. Usually, a step in the process of keeping a license the guy has to get a "Release" from you. Before signing the Release, tell him to pay you for your cost in finding him & any other related expenses not covered by your insurance.

  • bzoubzou Posts: 1

    Hey I live in New York City and some guy rear ended me and scratched up my bumper paint, not too serious, some scratches were kind of deep, others shallow. I told the guy hey look for $100 we can just let this go. The guy refused; since it wasn't too serious I was honestly thinking about just dropping it entirely rather than deal with the hassle but then this guy files a claim with his smartphone right away; although he gives me a claim number. I have absolutely no idea what he wrote. So now just to be safe I had to call for a police report; waited over two hours.

    So my question is Do i contact his insurance company and provide the police report once it is available or do I first have to contact my own? Keep in mind this guy was speeding to change lanes and side swiped by rear bumper as he was merging into my lane. The police report is going to indicate this as well. Now I haven't been in accidents so I am clueless on how to proceed. Will this raise my premium even though it is absolutely not my fault?

  • sandman_6472sandman_6472 Coral Springs, FLPosts: 2,623

    Similar situation, wife was hit by driver with no insurance or license but police not called because we were given $500 for our deductible. Not sure where to go now since vehicle is old with over 120k and a wonkey a/c unit? Just not sure what to do here!!!

    The Sandman :) B)

    2014 Hyundai Tuscon SE/2005 Mazda 3s/2008 Hyundai Accent GLS/2009 Nissan Versa SL hatch

  • steverstever YooperlandPosts: 39,944

    A reporter would like to speak to someone who recently got into a car accident and was spared injury after the car's knee, hip, curtain and/or front airbags were deployed. If you believe a car's many airbags saved you from injury in a car accident, and you want to share your story, please send your daytime contact information to pr@edmunds.com no later than Friday, May 9, 2014 at 1 p.m. PT/4 p.m. ET.

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  • et02_libertyet02_liberty Posts: 4

    I was wondering if anyone here can help me/ give me some guidance. I am not a mechanic and do not know the correct terms so please forgive the ignorance. I will try to describe my best the situation. I had a major car accident this past weekend. I was driving on the intestate and a car cut into my lane and in my attempt to avoid being hit by the car I ended up smashing into the retaining wall. I lost control of the car but thankfully did not flip or turned over. Both front and back axles (sp?) broke. My car is a 2005 jeep liberty limited 4WD, leather seats, sun roof, under 90000 miles. When I was able to stop the car in a safe spot (shoulder) I got off the car and saw that both front and back tires were gone, no rims, i could only see the metal parts (what you see when you get brakes fixed), there was yellow/green fluid leaking, my door (driver) cant close correctly, air bags did not come off since i did not have a collision front or back it was all on the left side of the car. Some of the car body - i guess bender around tires was gone. Both tow companies that arrived to the scene said it was total loss. Police and firefighters could not believe we were safe and had not caused major accident (THANK GOD!). So, my question is now that i released my car to the towing company that will take the car to the auto repair shop as per my insurance company instructions the guy in the tow truck says they will probably be able to repair it. Can you trust that a car with both axles broken, front door cant shut and fluid leakage be repaired and be safe to drive in highly congested interstate highways and freeways? Is there anything I can do to refute if the insurance company determine it is not a total loss. Dont get me wrong i do not want a car payment but i do want to be safe driving around town with my kids. Any help/guidance is much appreciated!

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