Originally posted by: blahblah99
Well, went to my insurance and filed a claim, gave them all my information and the other guy's information. Now waiting for the claim adjuster to call me back... and in the meantime I had time to get two estimates at different places....
But first, here are the pictures of the accident:
Picture 1 Right side of the bumper... not too much damage here except bumper is crooked.
Picture 2 Rear view of the car.. you can see the damage now.
Picture 3 Closeup of the damage. It looks UGLY.
Picture 4 Side view closeup of damage.
Picture 5 Rear side fender damage
Picture 6 Driver's side rear fender well... as you can see there is obviously some frame damage as it is no longer uniform.
Now, I went to two different places and the first one estimated repairs to be at $4235 ($1950 in parts and tax, $2300 in labor) and the other at $4663 ($1400 in parts and tax, $3200 in labor)... YIKES! That's half the blue book value of the car. Keep in mind that this is the MINIMAL that it could cost as damage that was hidden wasn't included in this estimate.
Now I'm still unsure what to do with the car...
1) Have the repair shop fix it back to original condition and keep the car.
2) Have the repair shop fix it back to original condition and SELL the car.
3) Get a full estimate, talk to claims adjuster, pocket the cash, and get it fixed at a mom and pop shop and keep the car.
4) Get a full estimate, talk to claims adjuster, pocket the cash, and sell the car AS IS.
If I sell the car, that means I have to spend even MORE time putting everything back to stock, rip out my sound system and the wires & accessories, and spend the time and effort to find another 240.
Sigh, here's another reason why people with large cars should pay EXTRA for insurance.
Originally posted by: BigDan
Oh, and you pay your insurance company big bucks, make them work for it. They'll seek repayment from the other party for all damages. There is no reason you should have to pay a deductible. There is no reason you should have to pay higher rates if you are not at fault.
Originally posted by: Ylen13
why are u not consulting a lawyer?
Originally posted by: TwinkleToes77
Originally posted by: conjur
Originally posted by: BigDan
Oh, and you pay your insurance company big bucks, make them work for it. They'll seek repayment from the other party for all damages. There is no reason you should have to pay a deductible. There is no reason you should have to pay higher rates if you are not at fault.
But that happens nonetheless. I read an article or heard it on the news a few months ago that even calling to question about filing a claim results in a potential ding against you and a cause to raise rates. My ex had a string of bad luck and was involved in 3 accidents within two years. None were her fault but the rates went up anyway.
In a way thats true. My mom had 3 claims in 2 years also.. one involved her vehicle being stolen the other involved her being rearended twice. None her fault.. she now pays $2000 every six months. BUT they also have a set amount of payout before they increase your rates and also they apply a certain percentage of fault on both parties. whether its 90/10 or 50/50.
Originally posted by: Ylen13
why are u not consulting a lawyer?
Originally posted by: mugsywwiii
Originally posted by: Ylen13
why are u not consulting a lawyer?
why are u not able to type Y-O-U? Not everyone feels that someone else's mistake entitles them to get money from their insurance company for "pain and suffering" as you've suggested in past threads. If he's injured, he should see a... DOCTOR.
Originally posted by: Ylen13
Originally posted by: mugsywwiii
Originally posted by: Ylen13
why are u not consulting a lawyer?
why are u not able to type Y-O-U? Not everyone feels that someone else's mistake entitles them to get money from their insurance company for "pain and suffering" as you've suggested in past threads. If he's injured, he should see a... DOCTOR.
problem is the longer you wait to go to a doctor and see if you are injury the less chanes that you will get the money when you start feeeling the pain. Basically he needs to see a doctor asap. Usually because of strees you don't feel the pain till 24-48 hours after the accident
Originally posted by: mugsywwiii
Originally posted by: Ylen13
Originally posted by: mugsywwiii
Originally posted by: Ylen13
why are u not consulting a lawyer?
why are u not able to type Y-O-U? Not everyone feels that someone else's mistake entitles them to get money from their insurance company for "pain and suffering" as you've suggested in past threads. If he's injured, he should see a... DOCTOR.
problem is the longer you wait to go to a doctor and see if you are injury the less chanes that you will get the money when you start feeeling the pain. Basically he needs to see a doctor asap. Usually because of strees you don't feel the pain till 24-48 hours after the accident
So when you said "why are u not consulting a lawyer" I guess you meant "why are u not consulting a doctor"?
Originally posted by: Rogue
Although it's too late now, ALWAYS contact the police. Not only are try trained to determine who's at fault based on the evidence, they also usually require the information for reporting purposes.
Originally posted by: Rogue
Ylen13,
You need to back off the damn lawyer thing. Getting in an accident does not automatically entitle you to be a dick and get as much money as you possibly can from someone when it's not necessary. It's people like you and your damn lawyers that make insurance cost so damn much in the first place.
As far as other things go, yes, you may feel some stiffness or soreness in your spinal column, neck and maybe other areas. It is normal. If any part of you feels numb or tingly, go get checked out, you may have some spinal mis-alignment of some kind.
Although it's too late now, ALWAYS contact the police. Not only are try trained to determine who's at fault based on the evidence, they also usually require the information for reporting purposes.
Originally posted by: Ylen13
Originally posted by: mugsywwiii
Originally posted by: Ylen13
Originally posted by: mugsywwiii
Originally posted by: Ylen13
why are u not consulting a lawyer?
why are u not able to type Y-O-U? Not everyone feels that someone else's mistake entitles them to get money from their insurance company for "pain and suffering" as you've suggested in past threads. If he's injured, he should see a... DOCTOR.
problem is the longer you wait to go to a doctor and see if you are injury the less chanes that you will get the money when you start feeeling the pain. Basically he needs to see a doctor asap. Usually because of strees you don't feel the pain till 24-48 hours after the accident
So when you said "why are u not consulting a lawyer" I guess you meant "why are u not consulting a doctor"?
correct,but in ca when people get in to car accident they first go to a lawyer and then go to a doctor that the lawyer recommends.
Originally posted by: mugsywwiii
Originally posted by: Ylen13
Originally posted by: mugsywwiii
Originally posted by: Ylen13
Originally posted by: mugsywwiii
Originally posted by: Ylen13
why are u not consulting a lawyer?
why are u not able to type Y-O-U? Not everyone feels that someone else's mistake entitles them to get money from their insurance company for "pain and suffering" as you've suggested in past threads. If he's injured, he should see a... DOCTOR.
problem is the longer you wait to go to a doctor and see if you are injury the less chanes that you will get the money when you start feeeling the pain. Basically he needs to see a doctor asap. Usually because of strees you don't feel the pain till 24-48 hours after the accident
So when you said "why are u not consulting a lawyer" I guess you meant "why are u not consulting a doctor"?
correct,but in ca when people get in to car accident they first go to a lawyer and then go to a doctor that the lawyer recommends.
Why would you let your lawyer recommend a doctor to you? Does he recommend dentists as well? If I was injured in an accident, I think I'd contact my primary care physician, like I do when anything else is wrong with me. If he can't help me, he will refer me to a specialist. That's how it works in states that aren't ass-backwards.
Originally posted by: Ylen13
good question but i am not sure why i let my lawyer pick a doctor, i didn't even call my primary physican when i got in a serious car accident even do he is family friend and i had all of his info, his home number,pager, cell etc.