Did you recently take on (or consider) a loan of 84 months or longer on a car purchase?
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A reporter would like to speak with you about your experience; please reach out to PR@Edmunds.com by 7/25 for details.
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Your phone records that will show you have attempted to call the guilty party and his insurance company.
To me, it doesn't sound reasonable for the court to deny a case simply if they don't sign the green card. That would make it soooooo easy for someone to avoid this. Having phone records and more than one unsigned green cards should be enough.
But, you say you have called small claims court and that they have verified this beyond a shadow of doubt, right? And you explained to the court clerk that they won't sign the green card, right? And the court clerk has said....."no signed green card, no suit", right?
Good luck.
You chose to only have liability insurance, so you did not pay anyone to fight in your behalf if another driver hit you. Therefore, you have to fight for yourself, and I have no idea how to even start.
I wish you luck.
Bob
try to visit them at www.netquote.com
You say your vehicle is still driveable and in good running condition, so try to negotiate with them if they won't fix it and the estimates are more than the value. Either way, they won't pay more than what your vehicle is worth. If you can negotiate a price with them and keep your vehicle, you should be able to find a body shop that can fix the lights and at least have it pass inspection.
Good luck.
'11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S
My insurance company said that if there was another car involved, it will be a collision claim; else a comprehensive. The problem is that my collision deductible ($1000) is 20x higher than my comprehensive deductible ($50). I have an Uninsured motorized rider for collision deductible waiver but that requires that the other party by identified and proven to be without insurance. Hence that rider does not apply to us.
I always thought that if the car is parked then the damage is covered by comprehensive. I kept a high collision deductible since I did not mind paying if I really make a mistake. In this case we might lose $950 if the adjuster feels that the damage was caused by another vehicle.
I find this law unfair since it leaves too much in the hands of the adjuster. There is no witness or proof about what hit our car and based on the judgment of the adjuster on what caused the damage, I would either pay $50 or $1000!
It usually covers two kinds of underinsured motorists. Known and Phantom. When the adverse party is known, the deductible is usually only $100. If unknown or Phantom, the deductible is often $300.
Comprehensive would come into play upon hitting an animal, i.e. a deer, elk, moose, or camel.
I have a 2001 Nissan Sentra with a Salvaged title that I bought in very good repaired condition 4 yrs ago. It was a rear ended collision. I paid about $7500 at that time. It had been working flawlessly for 4 years.
A few days ago, I was hit by another car and it was the other party's fault. So I filed for insurance claim from the other party's insurance. I went to the insurance-recommended body shop. The insurance company called me and said that the repairs were estimated at $10,400. I did not think it was that bad - only the rear bumper and quarter panel looked damaged.
Anyway, my question is : What can I expect the insurance company to pay me for the car they claim is "totalled" since the car has a salvaged title? The car was in great condition before this accident.
Is this possibly a game they are playing so that they don't have to repair the car? What are my choices here. Can I take it for a second opinion that will allow for repairs?
Some advise is urgently needed today.
Thanks,
MS.
'11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S
In regards to your question, gee I don't know. I'd say go over to the "Real world trade in" forum and ask your question.
Your car. You are in control. You take it to the body shop of your choice. Have that body shop estimate the cost of repair and if it is less than the ACV or TMV of a 2001 Nissan Sentra, the insurance company is obligated to fix it.
Don't mention a "Salvage title" because that only pertains to the sale of the vehicle, not the repair. Also, what you paid for the car is none of the insurance company's business either. Proceed as though the title was not "Salvage."
It was totaled. The Truckers ins. co. is offering me 2,278.00. I want them to replace my vehicle, it was in excellent condition 5.0 engine custom paint job, new load levelers in rear approx. $4, 000.00 ran like a champ.The Trucker said he was sent up this street by a building firm building 30 homes up the street from me, there are 2 main streets he could have accessed the building site from but was given a map by the contractors.
What recourse do I have? I really just want them to find me another car with the same options as mine, it had 141, 000 miles which is considered low for that year.
I'm in the process of contacting the Insurance commissioner, an atty and have already started my battle with the city to get speed bumps and signs on this street.This is the second car that we have lost in less than 1 year and they were both PARKED in front of our home.
Thanks in advance for any suggestions.
Not much. They'll give you what the book value says it's worth. A 15 yr old vehicle with 141K miles ain't worth much, even with what you've put in to it.
But, with 30 new homes being built not far from you, why would you park on the street? :confuse: You must have known that the construction traffic would be heavy until the work is done. And, you already lost one car that was parked on the street.
Park in the driveway if you can. Your insurance company may drop you if you have too many incidents.
Hope everything works out for you. Mark :surprise:
Here's what you get for $1,500.00
LSC and the car motor runs absolutely flawlessly with 16 inch Lincoln rims, a JBL audio system and a SONY 10 Disc Changer System in the trunk. It's has been garage kept for the last 8 yrs and well maintained. Over the last '4' years I've been driving my second car so it's mostly been garage kept and highway driven only.
Repairs last '18' months I made several repairs to car...
Michelin tires (4), Front/Rear Rotors, Pads and Calipers, Exhaust System and Rear Airbags suspension. I have changed the oil every 3500 miles. It has a 5.0 L H/O engine and is all original. It has 4 wheel Anti-Lock Brake System. I will try to tell you everything that is wrong with the car, most are minor fixable items. The power lock (passenger side) do not work from the drivers side but, works manually. The TripMonitor works but has to be reset when first starting-up the car. The paint has a few scratches from door openings. The interior is in good shape with little wear to the leather and cloth seats. I will keep the car in the garage until pickup. If you have any questions please feel free to email me I will be happy to answer any questions. Thanks for looking.
Do you have pictures?
How are the airbags, load levelers in the rear?
Leather and Cloth seats?
There is access to the building site from two different main streets parrallel to ours the construction is actually on a street that crosses at the end of our street.
The other vehicle totaled was a 69 chevy pick up truck it was totaled by a drunk driver along with 2 other cars!!
Thanks for your welcome and reply!!!
Dial in e bay motors.com, then go to Lincoln, 1990, Mark VII and see what's up.
As far as the person who kept receiving his green card back from certified mail, when you file a suit in magistrate court (remember, I speak for GA only), a sheriff or a marshal serves papers on the defendant...once served, they are served with papers...if they show up in court, you argue in front of the judge...if they do not show in court, you will receive a default judgment and you win the case by their absence...you can then convert the judgment to a fi fa, which then gets converted into a garnishment...if you can find where they work, or know where they bank, you can garnish $$$ from them, and can also recoup your filing fees...
In Georgia, if one has a judgment against them for an auto accident, if they do not pay you can send the judgment to the DMV and they will SUSPEND their license until they pay the debt...while that is great recourse for the injured party (you), most lawyers can't be bothered with that because, quite frankly, aside from your personal satisfaction, what is in it for us???...and, for a lawyer to take the case with your retainer, the fee would probably exceed the amount of damage to your car...
Last Summer, Northbound on I-5, two lanes each way, a couple of deer were blocking the two lanes. The van next to me stopped as did I, but in checking the mirror I could see the F350 dragging a four horse trailer NOT stopping. I hit the horn, the gas and the fawn in my lane jumped out of the way. Meanwhile the F350 was along side of me on the shoulder with the horse trailer moving sideways towards my rear. I had forgotten just how much scat the 66 Mustang had.
Let's hope the injury is not major and she can still play her Violin.
I just got a 06' Mazda3 Hatch 2 days ago. I just got rear ended. Good thing i just got insured a day ago.
The Question:
Filing with my insurance company for a claim- i was told that my deductible may not be recoverable 100%. Also any time i have to take off (i work at an hourly job) to take car of the car and any money spent for gas (going to and from the repair shop) will be my loss and i cannot ask my insurance or the other party's insurance
for these costs.
I am very furious over this! I mean, i just want a fair deal -- if i was involved in an accident, and i was not at fault i just want to be reimbursed for any cost that was incured due to the accident.
Basically, if it takes me a total of 4 hours away from my work to take care of the accident then i want to paid for that time lost. Any gas money also. (4 hours work would equal 80 bucks for me, and this is one bill payment that i can make, so thats why i am so adamant to get reimbursed).
How can i collect this money if the insurance company said that they will not ask for it from the other party?
Any help in this matter is greatly appreicated
Your coverage is not that broad is why your company can not ask it from the other party. Your company can only seek that which they are spending on the repair of your vehicle. You have collision insurance - not inconvenience coverage.
I understand the adverse party is w/o Liability insurance which causes you to claim under your policy. If your company pursues the at fault party and settles on just 50% of the claim, you don't deserve 50% of your deductible because your company has yet to be made whole. When your company collects all of the damages from the adverse party, you will, in time, get your deductible back.
Covering your lost time is difficult to insure because different people make different $ per hour or are retired, thus it can't be standardized or promulgated. Maybe, someday, Inconvenience Coverage may, some day, be sold at a rate per $100, but I doubt it.
Hope the above helps you to understand & wish you the best.
This sucks though, even if your not at fault, some way it will cost you some amount of money. Can you go after the guy who caused this accident personally? I mean outside of the car insurance to recoup any cost.
I work 2 jobs pretty much 6 days a week (with Sunday being off) and to lose a couple hundred bucks for a missed shift due to getting the car 1.) estimated 2.) taken to the body shop 3.) getting a rented car sucks! I know i'm being a bit an*l about this (and definetly happy that it was not a serious incident in which someone got hurt), but i'm in a bit financially, and to have this happen puts a strain on my situation and any money i can recoup is a plus. It just bothers me so much that one must pay (in some way) no matter what.
Also, my insurance company says that i have to pay a surcharge to rent a car because i am under 25. Can i ask the other guys insurance company to pay for this surcharge?
You know, sometimes people do things that hurt us and we suffer for it. Sure, insurance can help a little, but it can't always fully compensate us for our loss. That's life. You may think that is unfair and it may make you very furious, but no one cares.
Sometimes, at least from what I read in the newspapers, you can take legal action and get a lot of compensation. Who would ever think a person could collect a lot of money from McDonalds because they spilled coffee on themselves.
Anyway, I wish you luck if you take legal action against the person who hit your car. Please come back and let us know how it turns out.
For example, your health insurance will cover your medical bills in part or in full, but they will not reimburse you for your time if you have to sit around and wait an extra hour for the doctor. These inconveniences are just general hazards of life.
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2015 Kia Soul, 2021 Subaru Forester (kirstie_h), 2024 GMC Sierra 1500 (mr. kirstie_h)
Review your vehicle
If this other guy has Liability insurance I change my advice.
Have your car repaired where you want it repaired and let the body shop foreman argue the cost with his company's adjustor. Rent a car, even though your under 25 because the at fault insurance company is responsible for "Loss of Use". Finally, because you have a brand new car, make a claim against the other company for "Diminished Value" of a least 10% of your cost new including taxes and license.
"Dimished Value" is that lower amount your car would be sold for by a dealer because of prior damage. If your damage is just the bumper and license plate frame, then there is not much damage. Again, this is your car so you have the final say as to who repairs it. "Proactive" is the word. I wish you continued better luck and success in dealing with this situation.
My wife was recently in an auto accident in her 1993 Honda Civic. She had made a left turn into the center turn lane of a major boulevard when an SUV came out of nowhere and T-boned her. Anyways, I took a look at the car and the rear car door is totally smashed with some minor damage surround it and no mechanical damage. It currently has 125,000 miles and in great condition but my greatest fear is that my insurance company is going to total the car. I know that if they do they are going to pay me a lot less for it than I think its worth. Now I know that no final decision has been made but I can't afford to buy another car. My question is this - If the repair bill is greater than what the insurance company is willing to pay, can I offer to pay the difference (e.g. if the repair bill is $4000 but the insurance will only pay 2500)? Thanks so much for your help.
Small claims court, you can add your lost earnings, and rental car and everything...my guess is that you will get your judgment at 100%, including filing fees...HOWEVER, collecting the judgment may be difficult, unless the other person has a full time job for wage garnishment...good luck...
Idawg317...if they total it like you say, and offer you $2500 for a $4000 repair, my thinking is to ask them if you can keep the car (they will usually want it to sell to a junkyard for $300-900 and offset their loss payout)...
Sometimes they will let you keep it for free, sometimes the adjuster may ask YOU to pay them that $300-900 salvage fee from your payout...only you can decide if the extra repair cost is worth it...note: you may or may not need a salvage title, depending on how the ins co does the deal...if they just consider it a $2500 repair, no salvage may be needed...if they do TOTAL it, salvage may be required...
The sad part of cars is that once we pay them off and meticulously maintain them, and then they are wrecked, we can never recoup our cost, or find another one just like ours, as a new one will cost us at retail much more than our "baby" was worth when wrecked...
As several other people have pointed out, though, practically you may be limited to what's covered by the insurance agreement, since it may cost you more than $200 to recoup those lost wages.
Thanks for your reply. According to a friend of mine, who used to be an insurance agent, told me that some insurance companies will let you go ahead and cover the costs beyond what the company is willing to pay to fix the car. However, the guy that hit my wife also has the same insurance as us. Due to this my friend also told me that I should be careful because, depending on the insurance company, some shadey things can happen from this. The part right now that is frustrating me is that we don't have a clear idea what happened during the accident. The traffic was clear for my wife to make a left hand turn out of the parking lot into the center turn lane and all of the sudden this guy came out of nowhere and hit my wife. There was no screeching of brakes or skid marks in the street to even imply that this guy tried to slow down and she was already out in the street so he must have seen her from where he was coming from (if he was paying any attention). My wife was taken away in an ambulance before she even had a chance to talk to the police, so we have no idea what was said. The police won't even let us see a copy of the police report - they told us that only the insurance adjuster is allowed to see it. Anyways, the most important part is that I need to get my wife's car fixed. I just spent a lot of money refurbishing older parts and I cannot afford to buy another car.
A lot of times there are no skid marks because of anti-lock brakes. And, maybe, the other guy didn't see your wife pulling out either.
But, it seems to me the police can't hold back the police report because your wife was a part of that. I'd go down to the police station and talk to someone in person.
Good luck and let us know what happens.
Mark
I have Uninsured Motorists as well as Underinsured Motorist but have discovered that in almost all states this only is for Bodily Injury not property damage. I have noticed that numerous messages posted state to use uninsured motorist to cover a loss...I don't think many states allow insurance companies to write property damage in their uninsured motorists clause. I know that Florida and Arizona do not. State Farm has already given us a comparable rental and now has turned the case over to our insurance company to handle under our collision.
My point is: If it is going to cost me $35k or so to replace my 4x4 Sequoia Limited with all the options including title, registration and taxes with a comparable 2002, will I have to forfeit deductible and rental car fees from my final amount offered? I am assuming my insurance will try to recover the amount over and above the 25k limit via the insured's assets or something.
Thanks....
If your damages exceed the value of the other guy's liability, you could use either your collision or your UM (UM is also called UIM, as in uninsured and underinsured motorist)...either way I believe there would be a deductible, which I would try and recoup un der the other guy's bodily injury insurance...technically, it is not done that way, but if you could recover an additional $500 from his injury insurance, it would fairly compensate you for a $500 deductible on your collision/UM insurance...just a thought to consider...
Now I am finding that my own insurance has alot of different ideas about "fair market value" of my car. Of course to be fair, it had 38k miles but was really clean with every option available on a Sequoia. They are reassessing their original offer and adding the dealer installed options plus taxes, license and registration. I will probably leap for a new Toyota Sequoia 4x4 since my 2002 fared well in the crash with the Ramcharger doing 55mph. Except for the rear axle, right rear quarter panel and frame, it still looks good and not a single glass broke. The Dodge is history...radiator into engine, firewall.
Oh well...thanks for replies.
'11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S