- Mar 1, 2007
- 282
- 3
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tl;dr Careless driver hits my car (caught on dashcam). Although I anticipated a nightmare, her insurance pays for the repair without any argument. I get my repaired car back looking better than when I first got it. All is well with the world.
I knew it would happen sooner or later. A girl pulling out of a gas station thought I was turning in, then she pulled out as I drove past.
I swerved out of the way, but got smashed in the rear passenger door area, then slammed into the curb (possibly even went over the curb). Luckily no one was in the left lane!
Of course, her car only has a slightly scuffed front bumper, but I wasn't so lucky. Plus, I knew my dash cam would came in handy some day
Cosmetically, both passenger wheels are scuffed, airbox and front right fender liner are destroyed, rear passenger door and dogleg are wrecked, and the edge of the rear bumper is chewed up a bit.
It's hard to tell from the photo, but the dogleg and door are caved in quite a bit. The door still opens/closes OK.
I was able to drive home, but the steering wheel doesn't point straight. Assuming at least a bent tie rod end, maybe a control arm. The car also felt a little funny going over bumps. The front right corner of the subframe got scuffed, but I think it's cosmetic only.
My question is, since this is a first for me, what happens with insurance?
The other driver was totally at fault and was given a warning.
I just want to get my car fixed, as I like it, I think the damage is mostly cosmetic, and insurance payout would be peanuts as the car is worthless (2003 Saab 9-5 with 150k+ miles). Is this possible? Please enlighten me.
On the bright side, I'd wanted to have that side of the car repaired properly (you can see the mountains of body filler in the picture from a prior bodged repair job, and the paint job was horrible) so maybe that will finally happen
Side note: I thought the police officer said Connecticut was a no-fault state, but some googling seems to say otherwise. What does that mean?
I knew it would happen sooner or later. A girl pulling out of a gas station thought I was turning in, then she pulled out as I drove past.
I swerved out of the way, but got smashed in the rear passenger door area, then slammed into the curb (possibly even went over the curb). Luckily no one was in the left lane!
Of course, her car only has a slightly scuffed front bumper, but I wasn't so lucky. Plus, I knew my dash cam would came in handy some day
Cosmetically, both passenger wheels are scuffed, airbox and front right fender liner are destroyed, rear passenger door and dogleg are wrecked, and the edge of the rear bumper is chewed up a bit.
It's hard to tell from the photo, but the dogleg and door are caved in quite a bit. The door still opens/closes OK.
I was able to drive home, but the steering wheel doesn't point straight. Assuming at least a bent tie rod end, maybe a control arm. The car also felt a little funny going over bumps. The front right corner of the subframe got scuffed, but I think it's cosmetic only.
My question is, since this is a first for me, what happens with insurance?
The other driver was totally at fault and was given a warning.
I just want to get my car fixed, as I like it, I think the damage is mostly cosmetic, and insurance payout would be peanuts as the car is worthless (2003 Saab 9-5 with 150k+ miles). Is this possible? Please enlighten me.
On the bright side, I'd wanted to have that side of the car repaired properly (you can see the mountains of body filler in the picture from a prior bodged repair job, and the paint job was horrible) so maybe that will finally happen
Side note: I thought the police officer said Connecticut was a no-fault state, but some googling seems to say otherwise. What does that mean?
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