Current Events > Freeway hit and run insurance process

Topic List	Page List: 1
sLaCkEr408___RJ 10/22/21 7:27:31 PM #1:	Got hit on the freeway. A third car caught it on dash cam. Provided video to police. Meanwhile, I took car to auto shop who quoted repair cost. Insurance adjuster says car is totaled which means the repairs will cost more than the vehicle's value. They gave two options. Insurance will buy the car for ~$7000 or they give $5000 to try to make our own repairs. Back to the police, they found the guy on video. But apparently, his insurance doesn't help me one bit. Still have to choose between the two options. Is this correct? I feel like the other driver should pay for it all. Shouldn't the other driver be responsible and buy us new car or pay for the repair regardless of the car's value? <cite>sLaCkEr408___RJ posted [p:959296231] in Freeway hi... [t:79723786]...</cite> <quote>Got hit on the freeway. A third car caught it on dash cam. Provided video to police. Meanwhile, I took car to auto shop who quoted repair cost. Insurance adjuster says car is totaled which means the repairs will cost more than the vehicle's value. They gave two options. Insurance will buy the car for ~$7000 or they give $5000 to try to make our own repairs. Back to the police, they found the guy on video. But apparently, his insurance doesn't help me one bit. Still have to choose between the two options. Is this correct? I feel like the other driver should pay for it all. Shouldn't the other driver be responsible and buy us new car or pay for the repair regardless of the car's value? </quote> ... Copied to Clipboard!
Arcanine2009 10/22/21 7:29:05 PM #2:	Yeah technically the guy should. --- Less is more. Everything you want, isn't everything you need. <cite>Arcanine2009 posted [p:959296264] in Freeway hi... [t:79723786]...</cite> <quote>Yeah technically the guy should. </quote> ... Copied to Clipboard!
Wii_Shaker 10/22/21 7:30:04 PM #3:	Why does it matter who actually pays for it if you get reimbursed? That's the reason you have insurance, so it gets covered. Either way, I'd take the 7,000 if it were me. --- "He busted in, blessed be the Lord Who believe any mess they read up on a message board" -MF DOOM 1970-2020 (G.O.A.T.) <cite>Wii_Shaker posted [p:959296289] in Freeway hi... [t:79723786]...</cite> <quote>Why does it matter who actually pays for it if you get reimbursed? That's the reason you have insurance, so it gets covered. Either way, I'd take the 7,000 if it were me. </quote> ... Copied to Clipboard!
Joshsonic26 10/22/21 7:30:52 PM #4:	don't get scammed by the other dude's insurance <cite>Joshsonic26 posted [p:959296322] in Freeway hi... [t:79723786]...</cite> <quote>don't get scammed by the other dude's insurance </quote> ... Copied to Clipboard!
sLaCkEr408___RJ 10/22/21 7:34:30 PM #5:	Arcanine2009 posted... Yeah technically the guy should. Insurance doesn't seem to be on our side. Wii_Shaker posted... Why does it matter who actually pays for it if you get reimbursed? That's the reason you have insurance, so it gets covered. Either way, I'd take the 7,000 if it were me. Selling the car for $7000 still means we have to look for a new car to buy. And it may end up being a worse or more expensive car. We've been down a vehicle for almost a month now already. Joshsonic26 posted... don't get scammed by the other dude's insurance I feel like I'm missing something. We keep going back and forth with insurance but they say this is the way. <cite>sLaCkEr408___RJ posted [p:959296422] in Freeway hi... [t:79723786]...</cite> <quote>Arcanine2009 posted... </cite> <quote>Yeah technically the guy should.</quote>Insurance doesn't seem to be on our side. Wii_Shaker posted... </cite> <quote>Why does it matter who actually pays for it if you get reimbursed? That's the reason you have insurance, so it gets covered. Either way, I'd take the 7,000 if it were me.</quote>Selling the car for $7000 still means we have to look for a new car to buy. And it may end up being a worse or more expensive car. We've been down a vehicle for almost a month now already. Joshsonic26 posted... </cite> <quote>don't get scammed by the other dude's insurance</quote>I feel like I'm missing something. We keep going back and forth with insurance but they say this is the way. </quote> ... Copied to Clipboard!
Dingydang166 10/22/21 7:37:36 PM #6:	I still don't understand what you are upset about. Did your insurance say they were going to increase your rates because of this? <cite>Dingydang166 posted [p:959296504] in Freeway hi... [t:79723786]...</cite> <quote>I still don't understand what you are upset about. Did your insurance say they were going to increase your rates because of this? </quote> ... Copied to Clipboard!
sLaCkEr408___RJ 10/22/21 7:42:56 PM #7:	Upset isn't the word I would used. I'm confused. Forgot to mention taking the $5000 to repair will still result in a salvage title meaning we lose money if we sell the car down the road. Taking the $7000 to sell the car means we're hassled with looking for a new car. Possibly a worse car which means we lose out, or a more expensive car which we are not wanting to pay for. I'm thinking the driver at fault should pay for the full repair even if it's higher than the value of our vehicle. <cite>sLaCkEr408___RJ posted [p:959296661] in Freeway hi... [t:79723786]...</cite> <quote>Upset isn't the word I would used. I'm confused. Forgot to mention taking the $5000 to repair will still result in a salvage title meaning we lose money if we sell the car down the road. Taking the $7000 to sell the car means we're hassled with looking for a new car. Possibly a worse car which means we lose out, or a more expensive car which we are not wanting to pay for. I'm thinking the driver at fault should pay for the full repair even if it's higher than the value of our vehicle. </quote> ... Copied to Clipboard!
Topic List	Page List: 1

Current Events > Freeway hit and run insurance process (+) Yeah! (+)

Current Events > Freeway hit and run insurance process