#480830 - 12/05/0903:09 AMRe: Car accident
Definitely take the high road in this case and go through the insurance company. We're still dealing with the repercussions of the bus hitting my son's front fender (well, it's actually my husband's car that we are letting our son drive, so it's insured and registered in my husband's name) while my son was stopped at a stop sign on campus. The insurance adjuster inspected the car while my son was in class and the car was locked up. He didn't catch the fact that the driver's side door makes an awful sound when it's opened since the accident. Once we get it into the body shop, there may be a heck of a lot more damage than what the insurance adjuster allowed for if the door isn't even opening and closing right.
The insurance adjuster said it was $1,500 in damages, but that was just for the damage to the headlight, grill, and fender. The door will add quite a bit more to that total.
Funny story. My son said that he got out of his car after the bus crushed it and went up to the bus driver's window. The bus driver, who was another college student, looked at him. My son said, "You just F@#$!d up my car!" The bus driver said, "I know. It was my fault." My son said, "Are you gonna get fired from your job?" The driver said, "No. Another driver did something like this last week and he didn't lose his job."
Kate, that is interesting. Here in Massachusetts we have to carry insurance to cover uninsured accidents that are caused by people who don't have insurance. So it varies from state to state. Not sure if it's still true, but there was a time when Rhode Island drivers didn't have to carry insurance at all, so since Rhode Island is so close to us, it was good to have that insurance that covered uninsured motor vehicles.
Cars are such a huge investment that it really hurts if you get nailed and don't have insurance to cover the expenses. I'm remembering the time when we hit and killed an 11 point buck with our only car and we didn't have collision insurance on it. The headlights were broken and we couldn't drive after dark until we got it fixed. The Deer Killer is what the guys at the lumberyard my husband works at called it... Couldn't kill that Chevy. Drove it to the junkyard when no one would take it as a trade in, but it was still running strong even though it was over 20 years old.
The guy does have insurance. But when I told my agent the name of the company he sighed and said "Oh no." Junk insurance company, apparently. He showed up at my house tonight, around 10:30. He says he talked to his insurance people and they say that if my insurance company is willing to do it, he can pay for the repair directly, not working through his insurance company. That sounds fishy to me. His reason is that he might lose his license, and can't afford to have that happen. I told him I'd spoken to my agent already, and I'd let the insurance people talk to each other and figure out what will happen in the way of payment. Meanwhile, I'll get my car fixed. I honestly don't think there's anything wrong structurally, but I'll take it to my garage and have them take a look to see what they can see. I trust these folks with my life.
_________________________ MACTECHubi dolor ibi digitus
Word of advice: if your insurance adjuster indicates "after-market" parts to be used in the repair of your car ... say no. Insist on having original manufacturer parts (not a knock-off). I learned the hard way recently on repair work to my Audi. The insurance called for "after-market" fender and headlamp after my A4 got hit recently ... a week later after it had been in the shop the car looked good at first, but then on closer inspection it was pretty obvious that the parts didn't fit just right. It's those precise gaps between hood and fender and bumper that were no longer so precise. The headlight beams didn't match. So I complained, the adjuster came out and inspected, and the car went back to the shop for another 4 days.
The cost difference to the insurance company between original and after-market parts was about $150. But now the insurance company pays for that choice because of two repairs and double the parts, two paint jobs, and twice the car rental, several thousand more than if they just didn't try to cut corners in the beginning.
Kate, I live in a "no fault" state which has the toughest auto insurance policies in the country - NJ We also have the highest premiums in the country. The average auto premium is $2500 for ONE car.
If the other person is uninsured or even under insured, I am covered by my insurance. They pay 100% of my damages & then go after the other party for the monies they paid out to me-Subrogation. I just sit back with a chessy cat smile on my face.
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