Car accident - Page 3

**Foxrac** · 05-23-2012, 12:43 AM

Quote:

Originally Posted by Reba

I'm surprised that you have to pay the deductible since you weren't at fault.

I said when in case if insurance wants.

For now, we have no idea so hopefully, we will find out later in day.

**Foxrac** · 05-23-2012, 12:50 AM

Quote:

Originally Posted by Jiro

yep. that was my first guess. sorry to hear though....

this is typically what usually happens. as long as you have that driver's license and insurance info and a police report citing that you are not at fault... your insurance company will pay for your damage and your insurance company will sort it out with their insurance company.

this, of course, depends on what insurance company you got and what type of service you got. for me - I got Progressive with premium service covering everything including uninsured driver, broken window, etc.

there won't be any lawsuit involved. it's very costly and time-consuming. not worth pursing expensive legal action over simple bumper fender. lawsuit is only involved when there is a serious accident that results in extremely expensive medical expense and extreme economic loss due to accident that goes beyond insurance's cap limit (usually as high as $250,000 per person).

so right now... there's really nothing you can do. it's something that insurance companies and police department will have to deal with. as long as your car get fixed with expense all paid for.... that's all it matters.

Oh, yup, that what I think about lawsuit isn't good idea for minor accident.

for good suggestion.

**Jiro** · 05-23-2012, 01:00 AM

Quote:

Originally Posted by Reba

I'm surprised that you have to pay the deductible since you weren't at fault.

yea it sucks. because the driver was uninsured.... you gotta pay out of your pocket. that's the whole point of having a comprehensive car insurance especially with "uninsured/underinsured" option. I added it and pretty much everything due to concern that economy has been hard and I know a lot of people are illegally driving with suspended license and/or no insurance. and also fakers intentionally getting in accident to collect $$$.

mine is:

UNINSURED/UNDERINSURED MOTORIST BODILY INJURY - $100,000 EACH PERSON/$300,000 EACH ACCIDENT
UNINSURED/UNDERINSURED MOTORIST PROPERTY DAMAGE - $10,000 EACH ACCIDENT LESS $500 DEDUCTIBLE

I'm having a deju vu moment... I distinctively remember having this kind of discussion about car insurance quite a while back. I think you made a thread about it.

**Jiro** · 05-23-2012, 01:01 AM

Quote:

Originally Posted by Foxrac

I said when in case if insurance wants.

For now, we have no idea so hopefully, we will find out later in day.

If you guys end up having to pay out of your pocket because that driver was uninsured... your aunt/uncle can perhaps pursue an option to sue her to small claim court to recoup the cost.

However... I wouldn't put much faith in it because it costs lot lot lot of time and money. This is precisely a case of "you get what you pay for." That's why I didn't skimp on car insurance coverage. no way.

**Reba** · 05-23-2012, 09:03 AM

Quote:

Originally Posted by Jiro

yea it sucks. because the driver was uninsured.... you gotta pay out of your pocket. that's the whole point of having a comprehensive car insurance especially with "uninsured/underinsured" option. I added it and pretty much everything due to concern that economy has been hard and I know a lot of people are illegally driving with suspended license and/or no insurance. and also fakers intentionally getting in accident to collect $$$.

mine is:

UNINSURED/UNDERINSURED MOTORIST BODILY INJURY - $100,000 EACH PERSON/$300,000 EACH ACCIDENT
UNINSURED/UNDERINSURED MOTORIST PROPERTY DAMAGE - $10,000 EACH ACCIDENT LESS $500 DEDUCTIBLE

I'm having a deju vu moment... I distinctively remember having this kind of discussion about car insurance quite a while back. I think you made a thread about it.

I've had two hit-and-run accidents. One of them was very minor damage (mostly emotional trauma for me) on my old Jeep, so I didn't bother getting it repaired. The other was major damage on another car, so we had that fixed. We didn't pay a penny for the repairs or rental car.

Also, when my side window exploded (cause unknown) and had to be replaced, it didn't cost me anything.

Years ago, I also had another car (Opel Kadett) that was vandalized during the night while parked out front. I didn't pay anything for that damage either.

Levi123 · 05-23-2012, 10:10 PM

Accidents on the road are very rampant nowadays. It is really applicable today to get a car insurance especially there are plenty of car accidents that is happening.

**Foxrac** · 05-24-2012, 11:53 PM

UPDATE: My car is in body shop for repair and I will get rental car because our insurance pay rental car until repair has completed.

We have to pay $500 deductible for now until insurance company is attempting to get money back from woman and her families who hit my car so they have to pay all of deductible and cost of repair.

My aunt told me if insurance company couldn't resolve so she will file the small civil claim at court and she told me to not worry about any cost because she will take care of all cost.

**Reba** · 05-25-2012, 12:06 AM

You have a very nice aunt.

**Foxrac** · 05-25-2012, 12:30 AM

Quote:

Originally Posted by Reba

You have a very nice aunt.

Yup, she is...

Teppo · 05-30-2012, 03:10 PM

Quote:

Originally Posted by Foxrac

I had car accident today after shopped at Publix. When I got backed out so successfully but other car in next of me is waiting, as other one black SUV got backed out that very closer to me so I was yelling and wave to get their attention but no luck. The black SUV hit my side of car, just top of first tire so I just damn. One woman told me that she was extremely apologize about accident and I told her that I need get police to fill out the accident report because our insurance company, even her too require accident report to process the claim to car to fixed. She told me that she need take her child to baseball game and will come back in 10 minutes so I just said sure, no problem. I just got in Publix to got manager to call police to do accident report and they gave me a yellow notes to communicate with police. I waited about several minutes until police arrive and he is riding the motorcycle. I just gave driver license, registration, and insurance, also handover the note that woman wrote it with driver license number, car tag number, phone number, etc to police. I just explained about situation with car accident. The police checked the woman's driver license into his laptop and he showed me that driver license is male so I was like what?!! but... one woman got back from baseball game and she explained about situation with car accident. I was puzzled because she uses his husband or father driver license to report on accident. Police discussed with them and got all requirement, especially driver license, registration and insurance. I asked her if she has insurance so she said yes, she has one. I was like thanks to god that I don't have to pay for repair due to uninsured motor. She apologized to me about what happened with car accident and she admitted that it was her fault for not pay attention when back out. I said sure, no problem, it is okay and her insurance is going pay to fix my car so she hugged me. The police is very nice and got good communicate from him.

It isn't my first time to involve in car accident, my last car accident was in 2008 at night in suburb of Chicago, other two from 2005 and 2007. The car accident in 2005 is worst ever and my old car got totaled so I was sad because my parent gifted to me in 2004. The front was entirely destroyed and I got moderate injuries with medium bruise on my leg. The man at body shop told me that accident can be very fatal.

I was lucky that I didn't get to car accident couple of days ago. I took a picture of traffic accident, and soos after that I was driving home and one russian car was driving so up-and-down speed, so I have to overtake it. Just when I was alongside with that russian car, my right backtire explode.
I was lucky that nothing worse happened.

**Foxrac** · 06-02-2012, 03:58 PM

I got my car back today and it is restored back to original, just exactly same as pre-accident.

There is receipt about total of price, including parts and labor.

Our insurance paid most of them so we had to pay $500 due to deductible.

**Foxrac** · 06-02-2012, 05:25 PM

There is picture of car that after repair completed.

Sarfarigirl2011 · 06-02-2012, 06:26 PM

Quote:

Originally Posted by SneakerNet

aaah..

and for Foxrac, glad you are ok, it's nothing worse than this below, got t-boned and knock off the door. Other pix is original.

wow well that's why Ford are bulit tough LOL at least my dad's truck is bulit tough (I'm an F-series girl)

Teppo · 06-03-2012, 02:06 PM

Quote:

Originally Posted by Foxrac

I got my car back today and it is restored back to original, just exactly same as pre-accident.

There is receipt about total of price, including parts and labor.

Our insurance paid most of them so we had to pay $500 due to deductible.

Why in earth your insurance paid that if it wasn't your fault? Or was it? I think it was also very expensive. It seems to me that there were only couple scratches on the front part, which is plastic, so it only have to polish and other job would take only one and a half hour to fix.

**Reba** · 06-03-2012, 02:14 PM

Quote:

Originally Posted by Teppo

I was lucky that I didn't get to car accident couple of days ago. I took a picture of traffic accident, and soos after that I was driving home and one russian car was driving so up-and-down speed, so I have to overtake it. Just when I was alongside with that russian car, my right backtire explode.
I was lucky that nothing worse happened.

Yikes! That looks serious.

**Reba** · 06-03-2012, 02:17 PM

Quote:

Originally Posted by Foxrac

There is picture of car that after repair completed.

It looks good. I'm sure that you're happy to have it back. I hope that the insurance gets straightened out so you get back the deductible money.

**Foxrac** · 06-03-2012, 03:18 PM

Quote:

Originally Posted by Teppo

Why in earth your insurance paid that if it wasn't your fault? Or was it? I think it was also very expensive. It seems to me that there were only couple scratches on the front part, which is plastic, so it only have to polish and other job would take only one and a half hour to fix.

It wasn't my fault and the woman who hit my car, is fault but... she doesn't have insurance and her driver license is suspended. We have no choice but just pay deductible to get fixed.

My car contains metal/steel and it is very costly to repair that restore to original.

The labor is part of price and it is little over $1,100 for labor so rest of part and paint are nearly $1,000.

**Reba** · 06-03-2012, 04:25 PM

Quote:

Originally Posted by Foxrac

It wasn't my fault and the woman who hit my car, is fault but... she doesn't have insurance and her driver license is suspended. We have no choice but just pay deductible to get fixed....

You'll have to sue her in small claims court. You have a very strong case.

**SneakerNet** · 06-03-2012, 04:35 PM

Quote:

Originally Posted by Reba

You'll have to sue her in small claims court. You have a very strong case.

Join Judge Judy

**Foxrac** · 06-03-2012, 05:48 PM

Quote:

Originally Posted by Reba

You'll have to sue her in small claims court. You have a very strong case.

Yup, we will when insurance doesn't work out with this woman.

Teppo · 06-03-2012, 06:17 PM

Quote:

Originally Posted by Foxrac

It wasn't my fault and the woman who hit my car, is fault but... she doesn't have insurance and her driver license is suspended. We have no choice but just pay deductible to get fixed.

My car contains metal/steel and it is very costly to repair that restore to original.

The labor is part of price and it is little over $1,100 for labor so rest of part and paint are nearly $1,000.

I didn't know your insurance policy, therefore I didn't understand why your insurance have to paid the dammage. In Finland it's not possible, because every car have to be insured, and if something happened, then every time all would be paid for that cars insurance whose driver fault the accident is. Driver don't need to have personal insurance, but every car have to be insured.
Ok. Now I understand that expensive price somehow.

**Foxrac** · 06-03-2012, 06:25 PM

Quote:

Originally Posted by Teppo

I didn't know your insurance policy, therefore I didn't understand why your insurance have to paid the dammage. In Finland it's not possible, because every car have to be insured, and if something happened, then every time all would be paid for that cars insurance whose driver fault the accident is. Driver don't need to have personal insurance, but every car have to be insured.
Ok. Now I understand that expensive price somehow.

Yup, USA is different because it is varies from state to other state.

Most states require you to have auto insurance that cover liability, just for you only and you have to pay extra if you want add someone to insurance policy.

People who are under 25 have high premium cost due to greater risk of car accidents.

If you use auto loan to buy car so you are required to have full insurance for car.

Interesting about Finland but I'm not sure if auto insurance in USA is flawed or not.

05-24-2012, 11:53 PM	#67 (permalink)
Foxrac Need Stormtroopers? Join Date: Mar 2005 Location: Zaphias Posts: 32,521	UPDATE: My car is in body shop for repair and I will get rental car because our insurance pay rental car until repair has completed. We have to pay $500 deductible for now until insurance company is attempting to get money back from woman and her families who hit my car so they have to pay all of deductible and cost of repair. My aunt told me if insurance company couldn't resolve so she will file the small civil claim at court and she told me to not worry about any cost because she will take care of all cost. KarissaMann05 likes this. __________________ In Moto We Trust

05-25-2012, 12:06 AM	#68 (permalink)
Reba Granny Terp Join Date: Jun 2004 Location: South Carolina Posts: 39,155	You have a very nice aunt. KarissaMann05 likes this.

06-02-2012, 03:58 PM	#71 (permalink)
Foxrac Need Stormtroopers? Join Date: Mar 2005 Location: Zaphias Posts: 32,521	I got my car back today and it is restored back to original, just exactly same as pre-accident. There is receipt about total of price, including parts and labor. Our insurance paid most of them so we had to pay $500 due to deductible. __________________ In Moto We Trust

06-02-2012, 05:25 PM	#72 (permalink)
Foxrac Need Stormtroopers? Join Date: Mar 2005 Location: Zaphias Posts: 32,521	There is picture of car that after repair completed. __________________ In Moto We Trust

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05-23-2012, 10:10 PM	#66 (permalink)
Levi123 Registered User Join Date: May 2012 Posts: 1	Accidents on the road are very rampant nowadays. It is really applicable today to get a car insurance especially there are plenty of car accidents that is happening.