Um... we don't allow promotion of illegal activities, and insurance fraud (which is what you'd be committing by lying about the mileage) falls under that category.
MODERATOR /ADMINISTRATOR Find me at kirstie_h@edmunds.com - or send a private message by clicking on my name. 2015 Kia Soul, 2021 Subaru Forester (kirstie_h), 2024 GMC Sierra 1500 (mr. kirstie_h) Review your vehicle
Not only that but his claims would be denied were he to be in a serious accident. Moreover, he'd be subject to criminal penalties. There's no free lunch.
How about just reading them the number on the odometer???...I am not sure "what you mean", but giving them the actual number and the actual miles driven may almost be the intelligent thing to do...anything else but the simple, true info will surely backfire on a claim somewhere down the road, when they refuse to pay a claim based on misinformation, intended or unintended...Know what I mean???
pgill...feel free to read back about 100 posts if you have the time...one thing that folks seem to think is that they will "convince" the insurance to total their car when it is nowhere near totalled...what we REALLY want is to be rid of a damaged car that is no longer the virgin auto that it was prior to the wreck...the insurance has the sole power to total or not, and if the repairs are only 50% of the value, then totalling is probably impossible...why would an insurance company spenmd $40K to total a car that can be fixed for $20K???...if it was your money, would you???
hawaiihunny: using Canadian Direct makes me think you are Canadian, but your name makes me think you are in the US...which is it???...if CDI is a Canada based company, I do not know anything about Canada laws and rules...and if you are a US person, and just the name is CDI, I still would not know if Canada can do that, altho I would tend to think that if a Canada company sells insurance in the US, they would have to agree to abide by the laws of the state in which they sell...but, what do I know, I just work here...
I plan to cover my rental car under the Loss Damage Waiver insurance of my credit cards for 10 months. I will be returning the car every 30 days and rent it out again with another credit card. Has anyone done the same thing? Is it safe?
Someone also told me that the LDW of credit cards does not cover vandalism and damage due to natural disasters. Is this true? Thanx.
that if you have a premium credit card, and you charge the rental on it, that they do pay up to $3000 of the deductible, but I do not believe they cover anything else...
Without prying into your personal business, altho I am, why would you rent a car for 10 months???...altho I do not know your rate, it would almost seem that a 1 year lease may make sense, depending on the numbers, of course...
that car companies offered one year leases...I am quite familiar with 2 and 3 year leases, but I just assumed (???) that 1 year was also offered...obviously I still have much to learn...
I was recently rear ended in my brand new 2007 Camry. Less than 2 weeks old and only 350 miles on it. My question is the insurance says it will repair the car to the condition it was in before the accident. How can a repair make it a new car again? To me this makes my car a repaired new car, not new off the lot. I am very confused. I was not the at fault driver. This was a 3 car accident in which that car that hit me was pushed into me by the 3rd car, who was at fault. Since the at fault drivers insurance (Geico) was giving me hassles right from the start, I am now going thru my own insurance. My insurance will recover what ever they pay out on this accident from the at fault drivers insurance. Don't I have a right to demand a replacement car? I also have injuries from this accident, which my own insurance will reimburse me from any out of pocket med expense, but they will not reimburse for paid and suffering and lost wages. Should I get an attorney?
Have you considered making claim for "Diminished Value" with the "at fault" insurance company?
Did you have "Replacement Cost" coverage with your company?
Property Damage Liability either repairs or replaces whichever is of least cost to the insurer. Nobody is in the business to finance the love affair you have with your car. The most you can expect from any company is repair and if you can prove it, Diminished Value. Good Luck.
Obviously, a repair doesn't make a car new. It's only a restoration of the physical condition and has nothing to do with "age." You are entitled to the provisions of your insurance policy. I doubt it says you will get a new car for a fender bender.
You are absolutely correct. But your car isn't new. It's a 2 week old used car. Even if you had just driven the car off the lot and gone only 10 yards down the road, the situation would be the same.
I know it sucks, but that's the way things work. If you're vehicle was totalled, you'd be out a few grand.
The insurance of the car is primary...if the car is uninsured or underinsured, then you can go to your policy...if you do not drive or do not have insurance yourself, you may have group health for your injuries...
I am assuming (there I go again) that the other guy was not at fault, altho in a no-fault state, some require that you always go to your insurance, in which case the above rule should apply...
Altho I have seen many cases where the victim was driving someone else's car, used the car's collision to repair the car, but used their own medpay for their injuries, since the car's insurance did not include medpay...
Sometimes being an atty is like trying to figure out Rubik's Cube...:):):)
Thx for your help. Actually the wife and I got in to an argument about my son driving someone else's car while he is at college. The issue was, who's insurance would pay if he got in an accident. His car is left at home so we're paying a reduced amount for his insurance, $2K savings per year, he's a baaaaad driver.
Something else you should know. While I'm not sure if you specifically excluded your son from your policy, or simply removed him from the same .. you should know the difference.
I'd suggest that you make sure that your son is insured ... I mean, if he's driving, he should be insured .. you never know what the limits are of the person's car he is driving, or if they even have insurance at all. In fact, you may get him a named operator policy (that is if he NEVER drives any vehicle you guys own while he has this type of coverage)
Also, depending on the insurance company, you may get one "freebie" if you haven't specifically excluded him. It depends on whether your carrier will deny for misreps -- some do, some don't. But, likely if he is only away from home part time he would still be included under your policy -- I would read the language to determine this specifically, however. Also, don't expect your carrier to let that slide easily -- if you did indeed remove him from the policy and then he was involved in an accident which you attempted to claim -- if they paid out they surely would add him to the policy immediatly and backdate charges to when you dropped him.
Already taken care of all that. He's rated on one of the vehicles at the house, while he's away at college, 240 miles away. His official status is "household resident, away at school". He can drive the car when he's home for weekends or vacations, or any car in the household, and he's covered.
Sorry been out of it this past week. Anyway, the car has about 5K in damages they can see, this is not including unseen damage. They will find that out once the repairs start. The fact is, how would anyone like to save for 10 yrs., finally get a new car, then have it munched??? I don't understand the snotty attitudes when all I am doing is trying to get help. I have never been in an accident (I am 52 yrs. old). I also have injuries and now off work for these two weeks do to "whiplash" and tingling and numbness in my arms and hands. I don't expect to be paid for "my love affair with my car", I only want what is due to me as this rear end was not my fault. The driver at fault has been charged with reckless driving. So once this car is fixed, would any of you like to buy it, knowing it has been in an accident? :sick:
It is too bad you feel our replies are "Snotty", but the opinions offered were based on previous professional experience. Those replies were factual, true, and to the point. It is also too bad it happened whether you saved up for 10 years or 10 weeks for you see that emotional factor is not regarded, needed, or covered by any insurance contract. You are correct in expecting the repaired car will be worth less than had it not been crashed. Considering how you are feeling about the issue I recommend you trade the wreck in, as is, assign the repair checks to the dealer/repairer, and petition the at fault insurance company to come up with any difference by your claiming "Diminished Value". This way, you get another chance at a virgin vehicle, the dealer's body shop gets work to do, their used car department eventually gets the sale of the repaired car, and the insurance company gets a quick settlement. Your injuries can be settled later.
patcof2, good advice from the previous poster. Please don't take advice here as "snotty", it's just to the point and based on our similar experience.
My advice since you have some medical injuries, get a lawyer, NOW.
My wife was in an accident similar to yours, sitting at a red light, rear ended by a drunk driver with bad brakes going 45 MPH. I had to fight with the ins co to get our car totalled and since she had no permanent injuries, in the state of Florida we couldn't sue for pain & suffering, no lawyer would take the case.
In the infamous words of Bill Gates as he talked to a class of graduating high school students, "Sometimes life just sucks, get used to it".
Good luck to you and let us know how you make out.
we all have differing opinions of "snotty answers", I have found that posters want information one of two ways...to-the-point answers, or sugar-coated answers...
Frankly, I do not have the time to waste to offer sugar coated answers that require further explanation in a followup post...to save time and to (hopefully) give you some thoughts on what YOU NEED TO DO NOW, I get to the point...
From here on in, all posters should label their questions with either of the following prefacing statements: either
a. "I want a sugar coated answer, as I am unable to deal with hard information" or
b. "tell me like it is so I can hopefully start to resolve my problem today"
I will, therefore, ignore those with statement "a", and will just try and be helpful (and not always successful, of course...:):):)) to those who post "b"
From T-intersecetion I got t-boned while making a left turn by a commercial work truck (a ford f450). I was cited for a failure to yield violation. I thought I had time to make the turn. The other driver said he saw me but couldn't stop in time. The other party had minimal damage to his bumper. Their were no injuries. My vehicle a 04 Jeep Grand Cherokee AWD had the whole driver side caved in. The adjuster, from his exterior assessment... says the damaged areas can be replaced which is at $12k. For it to be a total loss it has to be at 65% actual value which is at $16k. The value of the jeep is around 25k. The adjuster says he going to take it to a dealer body shop to have it further evaluated for more internal damage. I know that the front driver side axle is pushed in and bent also the steering column is tweaked towards the passenger side.
I rather not drive a rebuilt vehicle. What is the usual outcome in these cases?
Ummm, your insurance is going to go up? LOL, just kidding. 65% is actually pretty liberal as my insurance company says 80%. Sounds like the adjuster is doing everything reasonable by going to the dealer. Keep your fingers crossed and hope more damage is found.
First, you will be the liable party, and yes, likely your rates will go up somewhat.
Second, no injuries is a good thing -- don't even worry about the other truck, let your carrier take care of that.
Third, where does the damage start and end on your vehicle? By the whole driver side does that include the fender and perhaps wheel/suspension/steering damage? Is is just the doors and 1/4 panel? Is the roof buckled?
If the damage starts behind the firewall and ends before the rear wheel -- or even within, I can see your vehicle repairing. There simply isnt too much internal to be damaged in that vacinity -- at least not much that an appraiser wouldn't be able to consider in an initial sheet -- the floor pan can get tricky, as can inner reinforcements (mostly for the rocker and pillars) but really I'd not get too worked up about it -- they'll do what they have to, and I suspect if the cars getting moved to a dealer they may just "find" a way to total it.
Thanks for responding.... The damage starts from the front 1/4 panel, front driver side wheel is bent in, fr. A pillar bent, wind shield cracked, driver side door and center pillar caved in. The rear door and half of the rear 1/4 panel impact damage. The fr. axle is pushed in/bent. The front susp. is broken. The steering is tweaked. The blunt of the hit is at the driver side door and front wheel area. I do not know about the roof. The adjuster says his estimate is just on the body panels and doors. He also says the higher end shop could cost effect the total loss and/or if they cannot bring it back to pre accident condition.
Also regarding the citation. I was thinking of going with a ticket lawyer. He said that he can negotiate a lower fine/charge, lower points. He could take the ticket straight to the judge and that I do not have go to the court at all. The original fine is $300... his fee is $350 So overall it would be 350 plus the negotiated fine. Basically he kills time and the legwork vs. doing it myself. Should I do this or risk going myself and finding out the ticket is not in the system yet?
Doesn't your state have the driver's traffic schools? Here in Florida, you would mail in the fine, which is a reduced amount, take a 4 hour online course, which costs about what the fine reduction was, and then there's no points on your insurance.
Yes I can do that too in Nevada. But the problem is that it takes a while for the ticket to be filed into their system. The cop said it takes about a week that I can go pay and go to traffic school. I called the court and the clerk says it might be in by mid october. :confuse: The actual court date is 11/2. I might have to go overseas before then. I just want to take care of it soon as possible.
i have a friend that got in a car wreck this week. He deficated on himself during the wreck. It was a head on collision and he was put in the ICU. I heard that if you deficate on yourself during an accident that you would get 45,000 dollars automatically. Is this true or just a crazy rumor?
I know it's not right, but how can anyone pass up on the possibilities here??? This could easily be about 3 pages worth of topic!
The bad news is that his car is probably repairable and a few hundred dollars of bio-hazard cleanup will likely do the trick. Unfortunatly, no amount of money will repair that poor soul's pride (though likely the ICU bills will at least redirect the pain.)
Comments
Um... we don't allow promotion of illegal activities, and insurance fraud (which is what you'd be committing by lying about the mileage) falls under that category.
MODERATOR /ADMINISTRATOR
Find me at kirstie_h@edmunds.com - or send a private message by clicking on my name.
2015 Kia Soul, 2021 Subaru Forester (kirstie_h), 2024 GMC Sierra 1500 (mr. kirstie_h)
Review your vehicle
If you falsify your odometer reading what is your plan when you are involved in an accident and the truth is then made known?
tidester, host
I have 2 cars. I would try to keep it under that mileage if possible.
I am delighted to hear that we all misunderstood what you meant.
tidester, host
pgill...feel free to read back about 100 posts if you have the time...one thing that folks seem to think is that they will "convince" the insurance to total their car when it is nowhere near totalled...what we REALLY want is to be rid of a damaged car that is no longer the virgin auto that it was prior to the wreck...the insurance has the sole power to total or not, and if the repairs are only 50% of the value, then totalling is probably impossible...why would an insurance company spenmd $40K to total a car that can be fixed for $20K???...if it was your money, would you???
hawaiihunny: using Canadian Direct makes me think you are Canadian, but your name makes me think you are in the US...which is it???...if CDI is a Canada based company, I do not know anything about Canada laws and rules...and if you are a US person, and just the name is CDI, I still would not know if Canada can do that, altho I would tend to think that if a Canada company sells insurance in the US, they would have to agree to abide by the laws of the state in which they sell...but, what do I know, I just work here...
Someone also told me that the LDW of credit cards does not cover vandalism and damage due to natural disasters. Is this true? Thanx.
Without prying into your personal business, altho I am, why would you rent a car for 10 months???...altho I do not know your rate, it would almost seem that a 1 year lease may make sense, depending on the numbers, of course...
Unfortunately the shortest lease terms in the area is 24 months.
Did you have "Replacement Cost" coverage with your company?
Property Damage Liability either repairs or replaces whichever is of least cost to the insurer. Nobody is in the business to finance the love affair you have with your car. The most you can expect from any company is repair and if you can prove it, Diminished Value. Good Luck.
Obviously, a repair doesn't make a car new. It's only a restoration of the physical condition and has nothing to do with "age." You are entitled to the provisions of your insurance policy. I doubt it says you will get a new car for a fender bender.
tidester, host
You are absolutely correct. But your car isn't new. It's a 2 week old used car. Even if you had just driven the car off the lot and gone only 10 yards down the road, the situation would be the same.
I know it sucks, but that's the way things work. If you're vehicle was totalled, you'd be out a few grand.
Did you have to go away in an ambulance?
Mark
Mark
I am assuming (there I go again) that the other guy was not at fault, altho in a no-fault state, some require that you always go to your insurance, in which case the above rule should apply...
Altho I have seen many cases where the victim was driving someone else's car, used the car's collision to repair the car, but used their own medpay for their injuries, since the car's insurance did not include medpay...
Sometimes being an atty is like trying to figure out Rubik's Cube...:):):)
Generally in most accident cases, the plaintiff sues EVERYONE in sight (Owner, driver, employer, etc.) and lets the judge sort it out.
Something else you should know. While I'm not sure if you specifically excluded your son from your policy, or simply removed him from the same .. you should know the difference.
I'd suggest that you make sure that your son is insured ... I mean, if he's driving, he should be insured .. you never know what the limits are of the person's car he is driving, or if they even have insurance at all. In fact, you may get him a named operator policy (that is if he NEVER drives any vehicle you guys own while he has this type of coverage)
Also, depending on the insurance company, you may get one "freebie" if you haven't specifically excluded him. It depends on whether your carrier will deny for misreps -- some do, some don't. But, likely if he is only away from home part time he would still be included under your policy -- I would read the language to determine this specifically, however. Also, don't expect your carrier to let that slide easily -- if you did indeed remove him from the policy and then he was involved in an accident which you attempted to claim -- if they paid out they surely would add him to the policy immediatly and backdate charges to when you dropped him.
My advice since you have some medical injuries, get a lawyer, NOW.
My wife was in an accident similar to yours, sitting at a red light, rear ended by a drunk driver with bad brakes going 45 MPH. I had to fight with the ins co to get our car totalled and since she had no permanent injuries, in the state of Florida we couldn't sue for pain & suffering, no lawyer would take the case.
In the infamous words of Bill Gates as he talked to a class of graduating high school students, "Sometimes life just sucks, get used to it".
Good luck to you and let us know how you make out.
Frankly, I do not have the time to waste to offer sugar coated answers that require further explanation in a followup post...to save time and to (hopefully) give you some thoughts on what YOU NEED TO DO NOW, I get to the point...
From here on in, all posters should label their questions with either of the following prefacing statements: either
a. "I want a sugar coated answer, as I am unable to deal with hard information" or
b. "tell me like it is so I can hopefully start to resolve my problem today"
I will, therefore, ignore those with statement "a", and will just try and be helpful (and not always successful, of course...:):):)) to those who post "b"
I vote for members posing or framing their questions and answers in any manner they deem suitable within the bounds of our Rules of the Road.
tidester, host
idestertay, osthay
If someone doesn't like the tone of your responses, they should tell someone who cares.
Usually a little gentle prodding from the "regulars" is enough to get noobs into the groove.
tidester, host
From T-intersecetion I got t-boned while making a left turn by a commercial work truck (a ford f450). I was cited for a failure to yield violation. I thought I had time to make the turn. The other driver said he saw me but couldn't stop in time. The other party had minimal damage to his bumper. Their were no injuries. My vehicle a 04 Jeep Grand Cherokee AWD had the whole driver side caved in. The adjuster, from his exterior assessment... says the damaged areas can be replaced which is at $12k. For it to be a total loss it has to be at 65% actual value which is at $16k. The value of the jeep is around 25k. The adjuster says he going to take it to a dealer body shop to have it further evaluated for more internal damage. I know that the front driver side axle is pushed in and bent also the steering column is tweaked towards the passenger side.
I rather not drive a rebuilt vehicle. What is the usual outcome in these cases?
Any input would be appreciated. Thanks.
Ummm, your insurance is going to go up? LOL, just kidding. 65% is actually pretty liberal as my insurance company says 80%. Sounds like the adjuster is doing everything reasonable by going to the dealer. Keep your fingers crossed and hope more damage is found.
Second, no injuries is a good thing -- don't even worry about the other truck, let your carrier take care of that.
Third, where does the damage start and end on your vehicle? By the whole driver side does that include the fender and perhaps wheel/suspension/steering damage? Is is just the doors and 1/4 panel? Is the roof buckled?
If the damage starts behind the firewall and ends before the rear wheel -- or even within, I can see your vehicle repairing. There simply isnt too much internal to be damaged in that vacinity -- at least not much that an appraiser wouldn't be able to consider in an initial sheet -- the floor pan can get tricky, as can inner reinforcements (mostly for the rocker and pillars) but really I'd not get too worked up about it -- they'll do what they have to, and I suspect if the cars getting moved to a dealer they may just "find" a way to total it.
If it can be repaired, trade it in to the dealer/repairer, as is, assign the insurance checks to the dealer, and go for a replacement.
Any input would be appreciated. Thanks.
No, it is not true and this is the wrong forum for fabricating crazy rumors.
tidester, host
But thanks for asking...:):):):)
I know it's not right, but how can anyone pass up on the possibilities here??? This could easily be about 3 pages worth of topic!
The bad news is that his car is probably repairable and a few hundred dollars of bio-hazard cleanup will likely do the trick. Unfortunatly, no amount of money will repair that poor soul's pride (though likely the ICU bills will at least redirect the pain.)
Hope your buddy's gonna be allright.