Chronic Car Buyers Anonymous

ab348

Sandy, no way should that rental be on your dime.

tjc78

Wait a second ... you’re going thru your insurance for an accident that was clearly not your fault?

I would be in contact with the other parties insurance immediately!

Sandman6472

The other company won't even contact my company by returning their calls. Ya think they're gonna return mine??? From all I've talked to, his insurance company is the absolute worst. And I need a vehicle till mine is sprung from the collision center. This weekend without my vehicle was tough but stayed home the whole time so could of been worse.
I just want my Golf back and to be made whole again with my deductible and the diminished value it has become. If I have to sue the other guy, well that's a road that I might have to take. But right now, still in a waiting queue.

The Sandman

mjfloyd1

Your insurance should cover the rental and they (your insurance ) should be the ones going after the other insurance company for repayment.  

Mr_Shiftright

Thar's what they'll do. It's called "subrogation". Essentially, one insurance company making a claim on another but using special personnel.

nyccarguy

@Mr_Shiftright

https://jalopnik.com/at-21-000-will-this-2007-porsche-cayman-have-you-sayi-1824241963

Not in your neck of the woods, but it is on your side of the country. It isn't an "S," has a 5 speed instead of a 6 speed, & it is Black.

roadburner

Mr_Shiftright said:

Thar's what they'll do. It's called "subrogation". Essentially, one insurance company making a claim on another but using special personnel.

Exactly; I don't know why Safeco isn't going after the other driver's insurance carrier.

Mr_Shiftright

Thanks @nyccarguy! I've been sniffing around on these for a while now, and just can't seem to find that "sweet spot" that motivates me to pull the trigger. I have the money all saved up for a cash deal, I have the Porsche specialist lined up to do the PPI, I have the manuals and the right tools, but all I need is the "right" car.

I don't think I'd ever pick black. I think I only owned one black car in my entire life. I don't mind it being a "base" Cayman--although, like the article says, the "S" makes a big difference on the low end especially. Maintenance wise, it makes little difference between a base and an "S". 6-speeds are nice, that's what I have in the Mini.

The NAV system in that car you posted is of course obsolete and useless to me.

I may have to buy a 996 instead--way more choices and the risk is no greater and the maintenance no more than a Cayman.

andres3

Mr_Shiftright said:

Thar's what they'll do. It's called "subrogation". Essentially, one insurance company making a claim on another but using special personnel.

The problem with the theory of subrogation is the insurance company only cares about themselves and covering their own losses. If on the side, they can get you to be made whole as well, they will do so, but they won't put in 2 cents of effort to do so.

This means, at least in all the cases I've been involved with, unless you personally push to be reimbursed, you won't see a dime. Disclaimer: I've never had a high dollar injury or death accident claim. I imagine when hundreds of thousands of dollars or more are on the line, the Insurance company will show more interest. When it is 10, or even 25,000, they just don't care.

My recommendation is keep good records of your receipts, and enter a small claims case against the at-fault driver so you can take a judgment to your claim against the other insurance company. Your insurance company may want a piece of the judgment pie though, as they want to be made whole too.

andres3

roadburner said:

Mr_Shiftright said:

Thar's what they'll do. It's called "subrogation". Essentially, one insurance company making a claim on another but using special personnel.

Exactly; I don't know why Safeco isn't going after the other driver's insurance carrier.

If they are like Geico "Due to Attorney costs, we have decided it's better to sue no one, than sue anyone."

Of course, they may say such drivel only after doing an "asset check" of the at-fault driver.

andres3

mjfloyd1 said:

Your insurance should cover the rental and they (your insurance ) should be the ones going after the other insurance company for repayment.  

He has a limited rental policy. The terms are used up. That being said, it was their fault in delaying the repairs for no good legitimate, or reasonable reason. Therefore, they should pony up for the extension. No reason less than $10K in repairs should take more than 30 days.

carnaught

andres3 said:

mjfloyd1 said:

Your insurance should cover the rental and they (your insurance ) should be the ones going after the other insurance company for repayment.  

He has a limited rental policy. The terms are used up. That being said, it was their fault in delaying the repairs for no good legitimate, or reasonable reason. Therefore, they should pony up for the extension. No reason less than $10K in repairs should take more than 30 days.

He can always state that he will go to the local television station for their consumer alert segment, for a story. I think most companies would not want the bad press.

(I am a big proponent of this with my son being in local media.)

akangl

Just popping to say hi and see what everyone has been up to. I'm still driving my '17 Jeep Cherokee Trailhawk, it has a whopping 9600 miles on it and is just shy of a year old. No issues with it to date, I like it but miss the cargo room of the Explorer. However, I can't see myself buying anything else for a long time, its a good car and gives me no reason to get rid of it. New SUVs on the market aren't very interesting these days and cars don't interest me.

I got hit January 4th while on my way to Anchorage, another driver lost control and basically did a poor pit maneuver on the Jeep. Thanks to good winter tires I kept control and the damage was limited to the pass side bumper/wheel trim, about $1500. Good thing for my dash cam since she swore up and down she didn't hit me.....until she found out about the dash cam.

We still have the '15 Focus (29k and almost 3 years old), the '16 Fusion (40k and 17 months old), and the '01 Chevy 2500HD (132k).

Headed to Arizona in 3 weeks for my daughter's transplant evaluation, first step before she is listed on the transplant list. She wants me to rent a luxury SUV so I figured why not. She also wants me to drive to Las Vegas but I don't think that will happen!

If she's accepted at the transplant hospital in Arizona we will be moving in the next 6-8 months. A lot to think about since we have to sell the house, figure out how/what to take with us, how to transport 7-8 snakes, a few rats, some mice, a cat.....basically a zoo. Welcome to my crazy life!

stickguy

nice to see you drop in. And we have heard that line about not buying anything a few times in the past...

Did not know you were at that point with your daughter. Hoping for the best and the transplant works out. Alaska to Arizona, that will be quite a weather change.

I would say, leave all the snow tires. And let the snakes carry the rats for you. Ditto for the cat and the mice.

corvette

Nice to hear from you! Good luck with the possible move. Hope everything goes well for your daughter in Arizona. 

roadburner

Thanks for checking in; prayers for your daughter as well.

nyccarguy

Best of luck to your family!  I hope all goes well with your daughter!

your Trailhawk is a V6/9AT?  Glad you are happy with it!

nyccarguy

Fellow Chronic Car Buyers, I'm officially 42 years old today

Mr_Shiftright

42 trips around the sun! You're an accomplished astronaut!.

28firefighter

nyccarguy said:

Fellow Chronic Car Buyers, I'm officially 42 years old today

Happy birthday! To celebrate, this deserves a punch. What will it be?

qbrozen

happy bday, @nyccarguy.

pensfan83

Happy Birthday @nyccarguy!

jpp75

Happy birthday @nyccarguy!

fintail

Happy birthday, yay, Bradd is (barely) older than me.

tjc78

Happy Birthday! I turn the dreaded 40 this year in a few months. At least I leave for vacation that day!

laurasdada

Happy Birthday, @nyccarguy! Hopefully, with age will come the wisdom to abandon your NY Yankees fandom...

I am old.

stickguy

Happy Birthday. Still a baby though. compared to some of us more "experienced" people.

stickguy

so, was reading the latest issue of MT last night. Had a nice piece on the new QX50. Was really digging it, thinking I would take a look if we got serious about getting something nice to replace the RDX. Until I got to the part about it coming with the CVT. And man, they really panned how it functioned in that application. So, off the list. Too bad, it otherwise sounded great.

breld

Happy Birthday Bradd!

qbrozen

stickguy said:

so, was reading the latest issue of MT last night. Had a nice piece on the new QX50. Was really digging it, thinking I would take a look if we got serious about getting something nice to replace the RDX. Until I got to the part about it coming with the CVT. And man, they really panned how it functioned in that application. So, off the list. Too bad, it otherwise sounded great.

That's sad.

And usnews ranks the XT5 above it.

suydam

tjc78 said:

Happy Birthday! I turn the dreaded 40 this year in a few months. At least I leave for vacation that day!

Ah, you young folks! Happy Birthday!

imidazol97

Oh to be 42 again...

pensfan83

The new RDX is quite fetching, inside and out. By the time I'm due for an oil change they should be on dealer lots and I plan to take a look. I would love to have one as a loaner, though if it's a hot ticket they may not allot one for loaner duty.

As of today only 3 more payments on the Altima too. This will be the first car owned outright since my Mazda6 was in the fleet for roughly 6 years.

andres3

tjc78 said:

Happy Birthday! I turn the dreaded 40 this year in a few months. At least I leave for vacation that day!

Ah yes, the dreaded 40! I too, am a 78er.

I don't feel 40. Maybe it really is the new 30.

Although when I had that Cold 2 weeks ago I felt 60.

andres3

imidazol97 said:

Oh to be 42 again...

How about 22? Maybe 24, that was right around my prime I think.

nyccarguy

Thanks guys for the well wishes! No punches for me to report today (nor in the near future). That doesn't mean I won't be wishing for a 911 C2 and a Macan GTS when I blow out the candles. I will be at the GMC dealership with my Dad tomorrow as the lease is expired on his 2015 Tahoe LT and he'll be picking up a new, factory ordered, 2018 GMC Yukon SLT (Black/Black Slick Top, No rear entertainment, 20" Wheels, Navigation, Adaptive Cruise Control, Towing Package).

Michaell

Happy Birthday, Bradd!

xwesx

So much happening! I was going to make the same suggestion to @akangl regarding the zoo. Your snakes would probably be happy to "transport" the rest of your critters for you! Then, put them all in a box and leave them on the steps of PetCo with a note that says just what is (was?) in there....

Must be quite a change in your driving habits to *only* put under 10,000 miles on the car in more than a year!

xwesx

Bradd - happy birthday, sir!

28firefighter

I'm 31, but after all the health issues this past year, I don't feel a day under 50.

thebean

I'm pretty sure I have underwear older than some of you.  

28firefighter

thebean said:

I'm pretty sure I have underwear older than some of you.  

Hmm. Perhaps a trip to Target is in order then?

kyfdx

28firefighter said:

thebean said:

I'm pretty sure I have underwear older than some of you.  

Hmm. Perhaps a trip to Target is in order then?

Pretty sure you can get them on Amazon via USPS.

tbirdmarco

 Happy birthday Brad 

tbirdmarco

 20 firefighter we are the same age 

tbirdmarco

 Anyone else younger than us here just wondering you never know 

tbirdmarco

 A king nice to hear from you thanks for checking in with us all glad to hear all is going well with you and the family in the vehicles in the family look to your daughter on her transplant move it look to you all if you end up moving to Arizona from Alaska and whatever else who’s on please do check back from time to time keep us all updated just to say hi 

Sandman6472

"subrogation". That's what the lady handling my case mentioned after the other insurance company wouldn't return her repeated telephone calls. They are Windstream and they same to have a very negative reputation out in the real world. My collision guy said they're "the worst of the worst" and they've proven him right time and time again. Seems like really financially challenged folks use them.
Seems like Florida is one state that recognizes "diminished value" and the law firm my daughter works out handles these kinds of cases it seems so I'll be talking with them in the near future. Just want to be put back where I was before this happened which is only fair. And probably going to sell my car in the near future also unless it's so perfect it's like brand new.

The Sandman

Mr_Shiftright

you really mustn't take this insurance business personally sandman. The insurance companies do not pump their fist when they beat you, nor do they hang their heads when you beat them. It's all about black ink at the end of the year. It's just numbers.

https://www.youtube.com/watch?v=SKRma7PDW10

tjc78

kyfdx said:

28firefighter said:

thebean said:

I'm pretty sure I have underwear older than some of you.  

Hmm. Perhaps a trip to Target is in order then?

Pretty sure you can get them on Amazon via USPS.

Kmart.... ( there is a reference there)