In order to participate in the GunBroker Member forums, you must be logged in with your GunBroker.com account. Click the sign-in button at the top right of the forums page to get connected.
Options
Car Wreck ?
dav1965
Member Posts: 26,543 ✭✭✭
I was in a wreck Friday. The lady ran a stop sign and totaled my car. She was driving another persons car. Whos insurance is going to pay. The lady got the ticket.
Comments
Jon
I have both peoples address and the insurance companys name. Integon i dont have warm fuzzy feelings about them though.[:)]
If you have collision coverage on your car, tell your insurance company that you want your car repaired under your collision clause. Fastest way to get your car repaired. Then your insurance company will "go after" the other driver's insurance and/or other owner's insurance to recoup their payout to you plus any collision deductible that you may have and paid out of pocket.
This is SUPPOSED to be the way it goes...I hope it does..
If you have collision coverage on your car, tell your insurance company that you want your car repaired under your collision clause. Fastest way to get your car repaired. Then your insurance company will "go after" the other driver's insurance and/or other owner's insurance to recoup their payout to you plus any collision deductible that you may have and paid out of pocket.
He claims his car is totaled...see OP
This is where your insurance company earns you keep or you start shopping around. They should take care of you and handle the rest, if they don't, time to kick them to the curb.
Jon
+100 this. Let them handle it,thats why you have them. They have the experience,knowledge,resources,not their first time through this,,,,
BE VERY CAREFUL who you lend your car out to.
I lent mine to my girlfriend in 1995, she "was just going up to the bus stop."
And she just totalled my car, hit a BMW.
Losses were $100K and it came out of my insurance policy. They never even went after my girlfriend's policy.
Then, State Farm doubled my rates.
Gee, come to think of it, that day was the last day I ever lent my car out.
They will go after the insurance of the owner of the car, not the lady who was driving. Doesn't seem fair, does it?
BE VERY CAREFUL who you lend your car out to.
I lent mine to my girlfriend in 1995, she "was just going up to the bus stop."
And she just totalled my car, hit a BMW.
Losses were $100K and it came out of my insurance policy. They never even went after my girlfriend's policy.
Then, State Farm doubled my rates.
Gee, come to think of it, that day was the last day I ever lent my car out.
I guess the woman shouldn't have lent out her vehicle. The insurance is with the vehicle not the driver. Good reason not to let someone use your vehicle.
They will go after the insurance of the owner of the car, not the lady who was driving. Doesn't seem fair, does it?
BE VERY CAREFUL who you lend your car out to.
I lent mine to my girlfriend in 1995, she "was just going up to the bus stop."
And she just totalled my car, hit a BMW.
Losses were $100K and it came out of my insurance policy. They never even went after my girlfriend's policy.
Then, State Farm doubled my rates.
Gee, come to think of it, that day was the last day I ever lent my car out.
Yep. Used to take my boat to an old Mercury engine mechanic. This man was in his 70's back then. He told me one time, "I don't loan my car, boat or wife. If you loan one, it comes back screwed up." I did clean up the quote a little bit.[:D]
quote:Originally posted by beneteau
If you have collision coverage on your car, tell your insurance company that you want your car repaired under your collision clause. Fastest way to get your car repaired. Then your insurance company will "go after" the other driver's insurance and/or other owner's insurance to recoup their payout to you plus any collision deductible that you may have and paid out of pocket.
He claims his car is totaled...see OP
Works the same even if it is totaled. I know---been there, done that.
I have State Farm insurance for the house and cars. I called my agent and she said that if i have not heard from anybody by Tuesday to call her and they would get on there *.
I have both peoples address and the insurance companys name. Integon i dont have warm fuzzy feelings about them though.[:)]
Your agent is half steppin'. She should already be in the middle of their * seeing this is settled to your satisfaction.
quote:Originally posted by reloader44mag
quote:Originally posted by beneteau
If you have collision coverage on your car, tell your insurance company that you want your car repaired under your collision clause. Fastest way to get your car repaired. Then your insurance company will "go after" the other driver's insurance and/or other owner's insurance to recoup their payout to you plus any collision deductible that you may have and paid out of pocket.
He claims his car is totaled...see OP
Works the same even if it is totaled. I know---been there, done that.
Totaled means he will be fighting for the cars ins value...can be a big pia depending on cars age mileage etc...I know BTDT[;)]
quote:Originally posted by dav1965
I have State Farm insurance for the house and cars. I called my agent and she said that if i have not heard from anybody by Tuesday to call her and they would get on there *.
I have both peoples address and the insurance companys name. Integon i dont have warm fuzzy feelings about them though.[:)]
Your agent is half steppin'. She should already be in the middle of their * seeing this is settled to your satisfaction.
Time for you to be getting on your agent's butt. Call them at least twice a day until they get the process well along the way. An idiot rear-ended my wife's almost new car, and we had a rental the next morning. His insurance started stalling, so I nearly drove both ins. companies nuts with calls and demands. We got her car back in two weeks! I got a copy of the police report for myself from the investigating officer (my niece), just in case we had to go to court. My advice is to CYA!!!!
Woody[;)]