Joined May 2006
L5: Journeyman
Forum Thread
First car accident... need advice
April 30, 2012 at
02:25 PM
in
Chat
This Saturday I was in an accident that destroyed my Scion XD. I LOVED that car. Was getting about 35MPG in the city and I gad done a BUNCH of upgrades to it. Only 24K miles on it.
Here's what happened:
I was driving through a main road on my way home from work when I 17 year old kid decided to turn right in front of me in a Caravan. It wasn't at an intersection, he was trying to turn into a business from his yellow lane and I guess he didn't see me coming, so I slammed into him a 40MPH. He got cited, I didn't and it obviously was his fault since he should have waited for me to come through. Oh well, there goes my car.......
Few questions:
Now that I submitted the claim through his insurance, they told I need to simply wait since the other driver has not given a statement yet. No rental car. Is this normal? They mentioned that the other person needs to admit liability first.
Also, by what guidelines can I expect my compensation to be for my car? I know insurances have their own 'sources', but I don't want to be screwed. My car was at [I]least[I] worth 14K and it's paid off. Also, I should be compensated for my 2 days off work and medical bills, right?
I never been in a car accident.... so I don't know what my next steps would be.
TIA
Here's what happened:
I was driving through a main road on my way home from work when I 17 year old kid decided to turn right in front of me in a Caravan. It wasn't at an intersection, he was trying to turn into a business from his yellow lane and I guess he didn't see me coming, so I slammed into him a 40MPH. He got cited, I didn't and it obviously was his fault since he should have waited for me to come through. Oh well, there goes my car.......
Few questions:
Now that I submitted the claim through his insurance, they told I need to simply wait since the other driver has not given a statement yet. No rental car. Is this normal? They mentioned that the other person needs to admit liability first.
Also, by what guidelines can I expect my compensation to be for my car? I know insurances have their own 'sources', but I don't want to be screwed. My car was at [I]least[I] worth 14K and it's paid off. Also, I should be compensated for my 2 days off work and medical bills, right?
I never been in a car accident.... so I don't know what my next steps would be.
TIA
112 Comments
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But too bad for him, under the legal and insurance companies eyes, the HITTER is always at fault.. If you hit a car regardless, you insurance company is going to hold it against you..
Or like in OP's case - when you're turning into a private drive from the middle of the street, it is YOUR RESPONSIBILITY to check for oncoming traffic. The kid the OP hit failed to do so, resulting in OP unable to stop and crashing into him. The kid's still at fault, because he didn't make sure the way was clear for him to turn.
You clearly don't have a whole lot of experience with this, do you?
Seriously, go troll back in the podium, because you're failing miserably here.
You might wanna read OP's post again IN THIS THREAD, because you look like a tool spouting off crap that doesn't even apply here.
Or like in OP's case - when you're turning into a private drive from the middle of the street, it is YOUR RESPONSIBILITY to check for oncoming traffic. The kid the OP hit failed to do so, resulting in OP unable to stop and crashing into him. The kid's still at fault, because he didn't make sure the way was clear for him to turn.
You clearly don't have a whole lot of experience with this, do you?
Uhhh, no, the cop is in agreement with the OP. Again, I think you're getting your threads mixed up, dude. The cop in OP's case issued the kid a ticket because, again, he was in the wrong.
Seriously, go troll back in the podium, because you're failing miserably here.
You might wanna read OP's post again IN THIS THREAD, because you look like a tool spouting off crap that doesn't even apply here.
Anyways, the insurance company will still fault the OP regardless since he hit a car, even tho technically its the other driver's fault. Thats just the way they operate, you hit someone, they will fault you
Anyways, the insurance company will still fault the OP regardless since he hit a car, even tho technically its the other driver's fault. Thats just the way they operate, you hit someone, they will fault you
You know how many people turn when they're not supposed to and get t-boned by oncoming traffic? Just count how many people run red lights at every intersection you stop at, and you'll get an idea. Especially the ones that turn after the little arrow turns red. You think people turning on a red arrow wouldn't be at fault if someone in the oncoming traffic hit them?
Called agent assigned by other insurance.... no answer, left message
Seems like this is going to take a while.
Called agent assigned by other insurance.... no answer, left message
Seems like this is going to take a while.
That and call YOUR OWN AGENT as well, and do a little shake, rattle and roll with them.
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she says they are still investigating. that the other driver hasn't even reported the accident to them AND is not even answering their calls. She says the first have to complete their investigation before they accept liability, which sounds logical.
At the same time, I don't know if the other driver is trying to pull something off.
So I am just stuck waiting. I wonder if I should just go ahead with my insurance and pay the deductible. Then again, I wouldn't get paid for my lost wages, just medical and car.
Or can I claim the car and medical through my insurance and the rest through the other guys insurance?
I am kinda lost now.
she says they are still investigating. that the other driver hasn't even reported the accident to them AND is not even answering their calls. She says the first have to complete their investigation before they accept liability, which sounds logical.
At the same time, I don't know if the other driver is trying to pull something off.
So I am just stuck waiting. I wonder if I should just go ahead with my insurance and pay the deductible. Then again, I wouldn't get paid for my lost wages, just medical and car.
Or can I claim the car and medical through my insurance and the rest through the other guys insurance?
I am kinda lost now.
If you have med coverage, use it. No deductible for that. They can subrogate.
There is no rush to get your car settlement. They will pay for a rental and you have time to shop for a new car. I had my rental for three weeks before they issued mine.
Why be out 500 when you don't have to? Claims take time. They are not instantaneous.
They were really helpful in working with me.
Wouldn't hurt to at least call a rental car company and ask and see what your options are. I NEEDED a replacement car ASAP, and I couldn't have afforded to pay for one directly and wait to get reimbursed. That's BS that you would have to pay anything up front. It's not your fault police reports take several days to process and that the stupid company takes so long to "verify" the fault of their insured.
Call up your nearest Enterprise or another company and see what they can do for you.
Looks like a total loss. right?
Looks like a total loss. right?
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tl;dr wait and see.