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Car Forum / Subaru Cars / May 2005contd w.r.t my car accident
Here is the becakground info http://tinyurl.com/bhknh I am going to get my car towed to another autobody place. My insurance will reimburse me for upto $50 only. Since the other party was at fault, the insurance from other side would eventually have to reimburse for the towing, right? Would they impose a limit? > Here is the becakground info http://tinyurl.com/bhknh > [quoted text clipped - 4 lines] > eventually have to reimburse for the towing, right? Would they impose a > limit? Read your insurance policy. If you can't figure it out, meet with your agent (not the claims adjuster) and go over it with him. Alright. Seeing as you're so damned clueless, I'll suggest this. Hire a lawyer. Take him with you whenever you talk to your claims manager. Do it all in person, not over the phone. You won't have a single problem. Best bodyshop, repaint whole car to colourmatch, etc etc. Cost ya a fair bit though... Just stop being so bloody paranoid. Let them do it first time. and *THEN* if it's not satisfactory, start yellin. -mark > if it's not satisfactory, start yellin. Very constructive advice...NOT. Jus so you know that I have been lucky not have to associate or had to deal with liers - I came from a foreign country, went to grad school two time, i.e lived in a sheltered lif of soem sort - and hence am having a hard time with the COMPLETE lies told by the other driver and their insurance company who is ignoring the ticket the other driver received. In article <1116908284.556484.68560 @g43g2000cwa.googlegroups.com>, amanda992004 @yahoo.com says... > > if it's not satisfactory, start yellin. > [quoted text clipped - 4 lines] > lies told by the other driver and their insurance company who is > ignoring the ticket the other driver received. They don't have the report in hand, yet! No one's going to say much, till the paper with the story, is out. >> if it's not satisfactory, start yellin. > [quoted text clipped - 4 lines] > lies told by the other driver and their insurance company who is > ignoring the ticket the other driver received. Get used to it. You can socialize with decent folk that don't lie, but when you have an incident such as this, all bets are off. That's the price you pay for living in a socially diverse city. Keeping your ears open and mouth shut is often the best advice in a situation like this. Also, if it happens again, do not consent to a recorded verbal statement to the insurance company. My lawyer advised against it years ago. People tend to talk too much, whereas a written statement is more sparse and less self-incriminating. Things will work out. If I understand everything correctly, a $500 deductable is about the worst things can get. > Also, if it happens again, do not consent to a recorded verbal statement to the insurance company I thought that by law, I am required to give a statement to the other insurance and let them record it. I didn't tell him anything differently from what I told the officer anyway. > Things will work out. If I understand everything correctly, a $500 deductable is about the worst things can get. Thanks. My neighbor's scaring me with her brother story that by the time the report came out, it was his fault. >>Also, if it happens again, do not consent to a recorded verbal > [quoted text clipped - 3 lines] > insurance and let them record it. I didn't tell him anything > differently from what I told the officer anyway. You are required to give a statement. I'd be very surprised if you were required to give a verbal recorded statement. Anyway, it's probably not a problem. >>Things will work out. If I understand everything correctly, a $500 > > deductable is about the worst things can get. > > Thanks. My neighbor's scaring me with her brother story that by the > time the report came out, it was his fault. I don't know what happened to my reply. I gave a statement that'snot different from what I told my insurance and patrol officer. When, I was asked (by the tohjer insurance) whether I was injured, I said, "No, not that I am aware of". When he tried to bind me by saying after I described the damage I saw on my car, "Is that all the damage there was?", I replied, That's all I could visually see. Whether the impact has affected the frame or not had to be determined by the autobody shop." I could tell that the guy didn't want me to talk much after that. I had to tell him that he didn't let me finish describing what happened. In article <1116889357.578848.231470 @g47g2000cwa.googlegroups.com>, amanda992004 @yahoo.com says... > Here is the becakground info http://tinyurl.com/bhknh > [quoted text clipped - 4 lines] > eventually have to reimburse for the towing, right? Would they impose a > limit? You really should consider some of what the other guy posted...it wasn't particularly gracious, but the gist of it is dead on. Talk to your insurance agent! That's what you've been paying `em the big bucks for! *Anything* that anyone tells you in here, is subject to being completely bogus...it's usenet, remember? Same in Cali, as it was in Houston. ;-) > Talk to your insurance agent! That's what you've been paying `em the big bucks for! Exactly how I felt and wasn't even bothered initially when my agent didn't tell me my option to get multiple quotes, etc. as I had a final exam that Friday even. I didn't get to study/review all the materaila - I was busy with other exams prior to that - and was at risk to end up with a grade of 'B" in that calss which was greatly disturbed me. I will not let this disrupt my schedule except I must postpone buying a new car before the summer classes starts. > Here is the becakground info http://tinyurl.com/bhknh > [quoted text clipped - 4 lines] > eventually have to reimburse for the towing, right? Would they impose a > limit? Just give it time - these things work out eventually. I've been around a long time but am still learning. Took State Farm 8 days 2 years ago when my car was totaled to make that assessment. Your insurance agent may help but it is like buying a car - now you are not dealing with the salesman but with the shop when there are mechanical problems. Same with insurance company. Insurance company objective is to take your money and pay out as little as possible. So expect to argue with them. May take a couple of weeks for other company to evaluate police report and pay you. If you go under no fault, your deductible can take up to to years to get back here. If lot of money involved, lawyer can help. Do not sign settlement papers until fully satisfied. Frank > Just give it time - these things work out eventually. I've been around a long time > but am still learning. Thanks. I am DEFINITELY learning. I have caused 2 accidents - minor ones - in 1994 and in 1999. I told the truth and nothing so complicated like now. > If you go under no fault, your deductible can take up to to years to get > back here. Hmm..do you mean that my deductible will be raised because of this accident, even if it's not my fault? Just what I need (being sarcastic). > If lot of money involved, lawyer can help. I am going to move as planned and get settled in. The report should be out by then. I will deal with this as necessary. > Do not sign settlement papers until fully satisfied. Thanks. The guy - he kind of became my friend as I relied on him to install blinds in current place, electrical works, etc. - whom I gave the contract to install blinds in the new house (family owned property) offered help, telling me not to sign the paper and that he will take a look at the car. > > Just give it time - these things work out eventually. I've been > around a long time [quoted text clipped - 23 lines] > offered help, telling me not to sign the paper and that he will take a > look at the car. An accident can raise your premiums even though you are not at fault. As for your deductible, under no fault, will be up to your insurance company to get it back for you and that could take a long time. You are better off to get settled with offending party's insurance company. When someone totaled my Forester 2 years ago, I had an existing medical problem, arthritic neck/pinched nerve, and I took time to make sure it was not aggravated. One of my lawyer sons took charge and got back my deductible fast and to finally settle up a few months later, I requested and got extra cash. If nobody got hurt and responsible party's insurance company covers, you should not have these problems. Also had a minor encounter with my garage a couple of months ago and went to body shop I've dealt with in past who is also approved by State Farm. I actually convinced body shop that my bumper did not need to be replaced since it was only scuffed. Otherwise if repair went above $750, they would have raised my rates. Another interesting thing was that I did not get a car rental which was on my policy and got $30 ($10/day) for time in shop. Frank > An accident can raise your premiums even though you are not at fault. As > for your deductible, under no fault, will be up to your insurance company to > get it back for you and that could take a long time. I have realized that espeiclaly the other side's insurance is a small company compared to mine: Unigard. > You are better off to get settled with offending party's insurance company. A friend of mine (ina nother city) whom I left a message last night told me today that when his daughter was involved in the accident and the other side was making them run around instead of approving the estimate, they went to a lawyer, paid $125 and got a letter in writing about the cost of seeing a doctor (neck pain, etc.) + car rental+ one more thing (which I couldn't hear him well) aside from the estimate given. Just before he called me, I ran into a neighbor in the parking lot who suggested me to go to the doctor - he gave me tips what to say which coincidentally is what I am feeling now though probably because of stress - saying that if they want to play hard, you play hard. He's a military guy. I left a message to my oldest sister (a physician specilizing in injury) yesterday about the other side's not taking the responsibility for repair cost waiting for the police report, ignoring the ticket the other driver received and my insurance not fotting the bill for the decutible in the mean time. I am at my sister's place right now; just asked her to write me prescription for my upperback stiffness and migraine headaches. She said she would. Tomorrow, I am going to contact my sister's very close lawyer friend - he specializes in occupational injury - and ask him to write me a letter to send to the inusrance company. I'll make an appointment first, I guess. > When someone totaled my Forester 2 years ago, I had an existing medical > problem, arthritic neck/pinched nerve, and I took time to make sure it was [quoted text clipped - 4 lines] > If nobody got hurt and responsible party's insurance company covers, you > should not have these problems. Witht he way the other side is lying through their teeth, it's bad enough that I am losing time now. With summer classes, I am not taking a chance to have a runaround and so I'll go ahead and get the lawyer's letter. When I was young, my mother, used to call me Indira Gandhi to indicate that I talked like a lawyer because unlike my older siblings, I would talk back to her but reasonably pointing out things .. These people (the liers and theeir insurance) are going to get that side of me now. > Also had a minor encounter with my garage a couple of months ago and went to > body shop I've dealt with in past who is also approved by State Farm. I > actually convinced body shop that my bumper did not need to be replaced > since it was only scuffed. Was it scuffed during an accident? Whose fault caused it? > Otherwise if repair went above $750, they would have raised my rates. Good to know that. I wanted my bumper replaced while the autobody place wanted to just fix it. All these time, I thought that my insurance rate would not change since I wasn't the one at fault in this accident. I am learning a LOT now. > Another interesting thing was that I did not get a > car rental which was on my policy and got $30 ($10/day) for time in shop. I am taking the car rental. My policy covers 25$ per day for 30 days. After that if I get rental, I will just ask for reimbursement, I guess. I am just going to rest (as instructed by teh doctor) and catch up with up things I need to do at home including packing, calling electric service, cable, Internet, phone service to be installed in the new place, accompany my bf to a wedding on Saturday, move this Sunday, and should be all ready next week (after Memorial day) to get myself in offensive position which the liers were just asking for. > Frank >>An accident can raise your premiums even though you are not at fault. As >>for your deductible, under no fault, will be up to your insurance company to [quoted text clipped - 12 lines] > more thing (which I couldn't hear him well) aside from the estimate > given. More info snipped.... If you're going to see a doctor and a lawyer - !!!STOP POSTING ON THE INTERNET ABOUT IT!!! The insurance company's lawyer can read newsgroup posts too and you can *only* damage your case by posting here. Please, please, please just do what you have to do and don't make it worse by sharing your intentions with everyone. > The insurance company's lawyer can read newsgroup posts too and you can *only* damage your case by > posting here. Please, please, please just do what you have to do and don't make it worse by > sharing your intentions with everyone. Thanks. Frankly, I am seeing the doctor not because people suggested me to do so since I have not time for such thing + it's more work but because I realized what a toll my body took dealing with the crap the other side is giving me. In fact, yesterday, I couldn't make it to the autoshop as they wanted to go over the detail of work and estimate with me, probably to persuade me to repiar at their place. I was going to go this morning but, I couldn't get out of bed and so I just called them around 1o:30AM and told them that "I am feeling sick" and that I would try to make it there today or tomorrow. I swear on my father's grave that I wasn't lying when I said that to her. Also, I knew that day (the day of the accident) that I wouldn't really know how the impact may have affected me until later but my mind was on the exam ....and then after the exam, to move and get ready for the summer semester - the school do not offer the same classes every semester and I must catch the calsses or wait a year later - and so I was trying to take care of getting the car repaired so that I will have the car back ASAP. Now, I realized that I don't need to kill myself nor stop taking care of other parts if my daily lives completely. > Frankly, I am seeing the doctor not because Amanda, it doesn't matter. If your case gets ugly, and a lawyer gets ahold of this NG, you can have a lot of trouble explaining what you've written. Especially the doctor/lawyer stuff. It might be cathartic for you to write all this stuff, but do it in a word processor, and save it on a floppy and stach the floppy where nobody finds it until this is settled. Or as a very wise man once told me...never miss a good chance to shut up. :-) -John O In article <h0_ke.1444$2u1.323 @newssvr19.news.prodigy.com>, johno@!noSPAM! heathkit.com says... > > Frankly, I am seeing the doctor not because > [quoted text clipped - 8 lines] > Or as a very wise man once told me...never miss a good chance to shut up. > :-) Heck, I hope someone from the opposing side DOES see it...I have no tolerance for cheats, frauds, or those that support and advise them on how to better enact their schemes. > Heck, I hope someone from the opposing side DOES > see it...I have no tolerance for cheats, frauds, > or those that support and advise them on how to > better enact their schemes. Can you read English? The opposing side was the one cheating (trying to do fraud) by lying. Do you tolerate that? By hiring a lawyer, I am merely making sure that they (and their insurance) don't play me around anymore. Who's going to pay for my time loss (which has dominos affects to my life) because of their game? They are getting what they ask for. Again, I have no doubt that the skid marks from their truck, pointed to me by the patrol officer, will be in the report. Still, that won't deter these stupid people from playing game which I have no time for. If they have been honest FROM THE BEGINNING, I would not have gotten stressed out this much which excerbated my upper back pain and incraesed migraine headace which I was ignoring. > Heck, I hope someone from the opposing side DOES > see it...I have no tolerance for cheats, frauds, > or those that support and advise them on how to > better enact their schemes. Can you read English? The opposing side was the one cheating (trying to do fraud) by lying. Do you tolerate that? By hiring a lawyer, I am merely making sure that they (and their insurance) don't play me around anymore. Who's going to pay for my time loss (which has dominos affects to my life) because of their game? They are getting what they ask for. Again, I have no doubt that the skid marks from their truck, pointed to me by the patrol officer, will be in the report. Still, that won't deter these stupid people from playing game which I have no time for. If they have been honest FROM THE BEGINNING, I would not have gotten stressed out this much which excerbated my upper back pain and increased migraine headace which I was ignoring. > If you're going to see a doctor and a lawyer - > [quoted text clipped - 5 lines] > what you have to do and don't make it worse by > sharing your intentions with everyone. This woman is a sh.t magnet and a drama queen. Her big mouth is going to get her into trouble. We will stand by and watch :) Either she is stump-stupid or this is troll-bait.......cast your vote. ( not many can be THIS dumb) > This woman is a sh.t magnet and a drama queen. Her big mouth is going to get > her into trouble. Wait and see. > We will stand by and watch :) Enjoy. > Either she is stump-stupid or this is troll-bait.......cast your vote. > ( not many can be THIS dumb) All I want is the damage they caused and nothing more. I am not unethical person to rip anyone off. I am confident that police report will take care of it; only that I don't have time to play their game and hence a lawyer, a competent one at that, will handle on my behalf. Only people with bad intentions would get paranoid. My collision was head on. Air bags and seat belts saved me but with neck problem and fact I'm on blood thinner, I rode ambulance to hospital. OK except for seatbelt bruise but they suggested I follow up with family doctor in a week. If you feel fine, I would probably skip doctor. But years ago, I was rear ended at a stop sign while looking to the left and was uncertain whether or not it hurt my neck. Company doctor said I was OK but it seemed to push offending party's insurance company to settle faster. And, who knows, maybe my arthritic neck started in that accident. Friend just had a shoulder joint replacement from problem initiated by accident years ago. Then there are doctors that need business and will even go to court and lie about it. My lawyer son has ripped one to shreads in court. Life is easier if you avoid doctors, lawyers and insurance companies ;) Frank > who knows, maybe my arthritic neck started in that accident. Friend just had a >shoulder joint replacement from problem initiated by accident years ago. My upper back and the back area of the head were stiff but with my eagerness to continue with my planned scedule to sort out bills, organize them, pack, move to a new house by this weekend, buy a new car (sell or trade this one) int he first week of June, and then get ready for summer classes while getting started on building a PC (I got all the hardware since last summer but an unexpected death in family 3 days after my purchase got my scedule all messed up) made me ignored what's happening to my body until I couldn't ignore anymore. > Life is easier if you avoid doctors, lawyers and insurance companies ;) If the other side has not lied, my life wouldn't have become so complicated and their wouldn't either. These people probably assumed that with my accent and being fa female, they could bully me. Stoopid people! > Hmm..do you mean that my deductible will be raised because of this > accident, even if it's not my fault? Just what I need (being > sarcastic). What do you think (NOT being sarcastic)? You've had THREE not-at-fault accidents, in six years. I, for example, have had NONE, at-fault or NOT- at-fault, in over 25 years. All other factors being equal, would it be fair for you to pay the same rate, as me, for collision? Some people are just "accident magnets", and attract not-at-fault incidents. They either pay higher rates, or get dropped...tis the trend in the industry, for last 5-7 years. > > Hmm..do you mean that my deductible will be raised because of this > > accident, even if it's not my fault? Just what I need (being [quoted text clipped - 4 lines] > You've had THREE not-at-fault accidents, in six > years. So if I get hit by other people more than 3 times in 6 years, it would imply that I was at fault too. I would be so unlucky if get hit by people like this driver again and again. > I, for example, have had NONE, at-fault or NOT- > at-fault, in over 25 years. > > All other factors being equal, would it be fair > for you to pay the same rate, as me, for collision? Doesn't the rate also depends on age, gender, where you live, etc.? > Some people are just "accident magnets", and attract not-at-fault > incidents. I assure you that I wasn't an accident magnet especially in this last accident. The other driver tried to cut the traffic, used the bicycle lane to turn into the parking lot where I was turning to too. > They either pay higher rates, or get dropped...tis the trend in > the industry, for last 5-7 years. Thanks for the info. > Here is the becakground info http://tinyurl.com/bhknh > > I am going to get my car towed to another autobody place. The original thread stated the car was drivable. Was that the sound of bait hitting the water? <G> By drivable, I meant, the wheels and tires were intact, I could start the car and move. I wouldn't have driven to the shop with the right side view mirror broken like that but the shop was really close, + because of the exam, I had no ime to wait for the the inspector from the insurance company or the towing truck to come since my bf was going to take me to the car rental place and then head to work and to out of town. > Was that the sound of bait hitting the water? <G> Whatever. If my sister had helped me out, i.e not told me to just take the car to my insurance conpany'schoice and not asked any question how the repair process would be, I would not have gotten so stressed out. No one was there to help me and guide me + my neigbor, the first one being so negative about everything was not a good feeling. |
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