| Driven |
I was hit by another driver on the whitemud this week. My car had to be towed as it was no longer drivable. I understand his insurance will reimburse me for the towing cost. What about lost wages? I missed 2 days of work... can i get this back aswell? Also.. i have an appraiser coming to look at my car on thursday.
Now my question is... if they conclude the vehicle is a write off... and they offer me money..... i can refuse that offer if i feel it is unfair... and they will make another offer.. or how does it work?
Thanks in advance. |
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| euro_ftw |
| either fix the car or they pay u the money.:thumbup: |
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| Driven |
quote:
Originally posted by euro_ftw
either fix the car or they pay u the money.:thumbup:
That is obvious.. what i'm trying to find out is... if they make me an offer... and i don't like it.. i can refuse it... and they continue to make offers or what? |
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| euro_ftw |
| ya just force them to pay u more , tell them it has a turbo kit and lambo doors propably they will give u more. :lol: |
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| 94turbocoupe |
umm i dont know about you claiming you lost 2 days work over not havign a car....unless you live in a rural area, they may say they would have reimbursed your taxi charges....but to miss work in a city that has transit and taxi service they may come back at you over that....i dunno...just a thought
Steve |
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| Driven |
| Hrmm fair enough.... it's just i don't want to be throwing money at a black hole.. as i'm not sure what i'm gonna get reimbursed on and so forth. Regardless.. does anyone have any more information on how the process goes in terms of the car being a write-off and the insurance company making offers? |
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| euro_ftw |
quote:
Originally posted by Driven
Hrmm fair enough.... it's just i don't want to be throwing money at a black hole.. as i'm not sure what i'm gonna get reimbursed on and so forth. Regardless.. does anyone have any more information on how the process goes in terms of the car being a write-off and the insurance company making offers?
i think u have to go to the reigestry and they will make the writeoff . |
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| SilverNeonRacer |
If you're injuried they will pay you for time off work.
The other persons insurance should give you a rental until yours is fixed or they write it off.
When you talk to the insurance co about your car, you can mention the days off work and see what they say.. quite often if it's $100ish-$150/day they'll just pay it.
As far as the write off and not offering what you think it's worth... I dunno I have the same Q as my car I'd be lucky if they pay me $500-$1000, but I've put $13,000 into it in the last 3yrs.(Ya I know....) |
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| Driven |
quote:
Originally posted by SilverNeonRacer
If you're injuried they will pay you for time off work.
The other persons insurance should give you a rental until yours is fixed or they write it off.
When you talk to the insurance co about your car, you can mention the days off work and see what they say.. quite often if it's $100ish-$150/day they'll just pay it.
As far as the write off and not offering what you think it's worth... I dunno I have the same Q as my car I'd be lucky if they pay me $500-$1000, but I've put $13,000 into it in the last 3yrs.(Ya I know....)
Yea i have a rental now... his insurance company will pay for it. But it costs me $20 a day for the extra insurance... and gas. I just don't want this to drag on and on and lose money on this. It's totally his fault that i'm in this situation.. i think they should make it right. Thing is.. i don't want to get lowballed.. as the car runs perfect and has new tires.. and everything was fine until now. So why would i take a loss on this if it's not my fault... that's my concern. |
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| crazyrx7 |
quote:
Originally posted by Driven
Yea i have a rental now... his insurance company will pay for it. But it costs me $20 a day for the extra insurance... and gas. I just don't want this to drag on and on and lose money on this. It's totally his fault that i'm in this situation.. i think they should make it right. Thing is.. i don't want to get lowballed.. as the car runs perfect and has new tires.. and everything was fine until now. So why would i take a loss on this if it's not my fault... that's my concern.
Your car insurance should cover the rental car with out buying additional coverage unless you just had plpd on your original car. What kind of car did they give that you have to spend $20 per day? Even a Hummer or Escalade doesn't burn that much gas. Besides you can't complain about the gas because either way you will be filling up your car. I guess if you don't like it you can alway cab it or take the loser cruiser; ETS.
R.K. |
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| tiger8866 |
quote:
Originally posted by Driven
Yea i have a rental now... his insurance company will pay for it. But it costs me $20 a day for the extra insurance... and gas. I just don't want this to drag on and on and lose money on this. It's totally his fault that i'm in this situation.. i think they should make it right. Thing is.. i don't want to get lowballed.. as the car runs perfect and has new tires.. and everything was fine until now. So why would i take a loss on this if it's not my fault... that's my concern.
Like crazy said, your insurance should cover the rental, just tell the rental company you decline their coverage. The rental should be the same class as your wrecked vehicle, so unless you got a few free upgrades, your gas usage should not be that much out of whack. And finally, you'll like get black book value if the car is a write off, you could get a bit more if you got receipts to prove you upgraded the car. |
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| RotaryJunkie13B |
hope for the best bud. thats all you can do
what i'd start doing is looking into ad's of ppl selling the same car and try and get rough idea of what you think they'll offer you.
The guy that came to appraise my truck from the insurance company said it's easily worth 4g's so he's not writing it off. lucky me. i told him i've seen the exact truck with 200 000+ kms sell for 3800 he's like i just wrote off a 95 4x4 at 5500 with 200 000 kms so black book is kinda low baller but i mean thats the best you can do i mean a teg in your year and what not WILL sell for around 3g's and you can find a cheap DD for liek 200 bucks that runs well look at 95integra. |
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| Driven |
I already have another car i'm gonna buy... $250 for a 90 jetta that runs and drives.... haha. I am gonna take ads from the trader and such that are in the similar kms and such as mine. I didn't have colision on my car.. therefore i'm paying the $20 a day.. for the rental companies insurance... seems like a good idea as i don't wanna be paying for a 2007 Chrysler 300... their insurance company is gonna cover the costs of my tow bill and my rental fees. I'm pretty sure the extra insurance will be at my expense.. but it's piece of mind to me. Regardless... i know that once they make an offer... my rental is no longer paid for. The grey area for me is.. their offers... and my right to refuse. Like if i decline an offer... and i show them more ads.. and tell them the vehicle has been documented since day 1... new tires...new timing belt and new water pump.. this should help right? Because i spent the money so i could have a good winter beater that wouldn't die on me... and now someone mashed it... i obviously want to recover as much as possible.. as the investments i have made in the car for it to run properly... now seem as a waste of money. I will say this.. it is 100% the other drivers fault. No question about it. Also... how does buying back your car work after the car is deemed a write-off.. if say i wanted to part it out?
From my inspection... the car needs:
Front bumper + paint + install
Drivers fender + paint + install
Corner light on passenger side + install
Refinish on driver's door
Needs 1 new tire as it blew out during the accident
Makes a strange clicking noise now also.. when the car is off.. and not moving.
I have a appraiser coming on thursday... is there any need for me to be there and show them the damage? The company told me no... aslong as the car is there at the time arranged for appraisal. |
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| newaccorddriver |
as far as maintaining the car goes, i dont think you will get much if any of that back. maintenance is a part of owning the car.
for buying back the car to part it out, if they write it off, it means you cant re-register it until it is repaired and pass a write off inspection to get re-certified. |
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| BigTrucker |
I've had 2 cars written off from accidents (not my fault) and everytime they offered me an inflated value for my vehicles.
I got $3100 in 2004 for my 1991 Sunbird and I got $2200 for my rusted out Daytona in 2003.
Most of the time they don't want to deal with you longer than they have to so the first offer is usually pretty good. As somebody already said, if you have mods to your car it may be a bit harder to re-coup those costs. |
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| Driven |
quote:
Originally posted by newaccorddriver
as far as maintaining the car goes, i dont think you will get much if any of that back. maintenance is a part of owning the car.
for buying back the car to part it out, if they write it off, it means you cant re-register it until it is repaired and pass a write off inspection to get re-certified.
Yea i understand that you can't re-register the car until it is fixed.. then pass a write-off inspection. I wouldn't wanna ever fix this car. Just part out the engine/tranny and brakes.... sell the seats for nothing.. then garbage the rest.
Hopefully they do offer me an inflated value.. so i can go on with my life. |
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| euro_ftw |
| what was the car :D |
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| Driven |
| 91 Acura Integra.. |
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| anschutz_93 |
If repairs were recent (last 3-4 months) you may be able to get a good percentage of the value back. I know an older lader who owned a mid eighties chevy car (I dont know model, it was a boat) well she was rearended badly in a school zone by a young driver and totaled her car. She had just put ~5k into the car a month before; she replaced the motor /w a factory new 350, replaced the rear end (rwd), did breaks ect. This was a couple years ago but still, her car had a book value at under $1k. She was offered that amount, she refused it and gave the insurance company the recipt for all the work and ended up getting $4000 plus change for her car.
You will have difficulty getting any money back if you did the work yourself and dont have any reciepts... If you installed parts yourself dont expect to get compensation for your time.
If you want to buy back the car after its written off, you are given 1st choice and the cost will vary but this car being your winter beater should be under $500. If you dont buy it, the company will auction it off as scrap or to auto wreakers. |
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| Driven |
quote:
Originally posted by anschutz_93
If repairs were recent (last 3-4 months) you may be able to get a good percentage of the value back. I know an older lader who owned a mid eighties chevy car (I dont know model, it was a boat) well she was rearended badly in a school zone by a young driver and totaled her car. She had just put ~5k into the car a month before; she replaced the motor /w a factory new 350, replaced the rear end (rwd), did breaks ect. This was a couple years ago but still, her car had a book value at under $1k. She was offered that amount, she refused it and gave the insurance company the recipt for all the work and ended up getting $4000 plus change for her car.
You will have difficulty getting any money back if you did the work yourself and dont have any reciepts... If you installed parts yourself dont expect to get compensation for your time.
If you want to buy back the car after its written off, you are given 1st choice and the cost will vary but this car being your winter beater should be under $500. If you dont buy it, the company will auction it off as scrap or to auto wreakers.
The work was performed by wilson's auto tech and was fully documented and was fairly recent. There isn't much done to the car.. that i don't really care about it. It has a k&n air filter and Fujitsubo exhaust.. but w/e.. i don't really care about getting reimbursed for that. I just want fair market value for my car. I have the original dealer documents.. when the vechicle was purchased... and every repair from there on. |
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| midnite |
tell the adjuster why you couldn't work and what you expect, and hopefully they will help you out. it is their job to help you get what is fair.
but i wouldnt bank on the extra $$. good luck! |
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| Driven |
| Worth a try. :dunno: |
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| aphextwin2050 |
Yup, basically just do some research on your own. Like you said, get quotes from Autotrader.com. You can either save/print them. Like the other poster said, chances are they will give you more than what you want.
If they do lowball you, you have a chance to negotiate. Just show them your autotrader ads. I had to do that..but only because they screwed up, and said I had 180,000 KM on my car when I only had 118,000.
If you want to keep the car, then they will knock off 30-60% of your settlement. Otherwise, the car goes to a salvage auction. I had actually went there as I forgot something in my car after they towed it away.
quote:
Originally posted by Driven
Yea i understand that you can't re-register the car until it is fixed.. then pass a write-off inspection. I wouldn't wanna ever fix this car. Just part out the engine/tranny and brakes.... sell the seats for nothing.. then garbage the rest.
Hopefully they do offer me an inflated value.. so i can go on with my life.
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| Driven |
quote:
Originally posted by aphextwin2050
Yup, basically just do some research on your own. Like you said, get quotes from Autotrader.com. You can either save/print them. Like the other poster said, chances are they will give you more than what you want.
If they do lowball you, you have a chance to negotiate. Just show them your autotrader ads. I had to do that..but only because they screwed up, and said I had 180,000 KM on my car when I only had 118,000.
If you want to keep the car, then they will knock off 30-60% of your settlement. Otherwise, the car goes to a salvage auction. I had actually went there as I forgot something in my car after they towed it away.
Thanks man.. that's pretty much the information i was looking for. |
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| Driven |
| UPDATE: Today.. i get home from a long day's work to a msg on my answering machine.. from insurance. Stating that they finally contacted their insured and he made a statement saying that he was about to get rear ended and he shoulder checked and then i turned into his lane. You gotta be fucking kidding me... i was going straight the whole time... this guy was gonna get mashed... so he took the chance by trying to avoid it.. mashing me in the process. I love how people are total pieces of shit. He admits fault on scene and changes his story now. Seriously.. i'm so fucking pissed off about absolute useless cunts like this. They wanna offer me 50% of my car's worth.. and 50% of my rental fees. TOTALLY unacceptable... i would like some advice. I have the police report and everything... and have done everything to make this a painless process. Any suggestions on actions from here on? |
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| AudiInProgress |
| Tell them to fuck off. He side-swiped YOU, plain and simple, and you expect 100% compensation. Call YOUR insurance company, and get them to help you fight. |
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| Driven |
quote:
Originally posted by AudiInProgress
Tell them to fuck off. He side-swiped YOU, plain and simple, and you expect 100% compensation. Call YOUR insurance company, and get them to help you fight.
Word.. i am not backing down at all.. i am gonna contact my insurance tomorow and tell them the situation.. while phoning the adjuster and telling her this is not acceptable. I have all paperwork for this. Guy is apparently leaving the country soon... another question.. do i keep the rental or what? What if they try and fuck me over on it? |
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| AudiInProgress |
Did the other insurance company provide you the rental?
Or did you sign the rental agreement and agree to pay the rental, and then get re-imbursed after the fact by the other insurance? |
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| Driven |
quote:
Originally posted by AudiInProgress
Did the other insurance company provide you the rental?
Or did you sign the rental agreement and agree to pay the rental, and then get re-imbursed after the fact by the other insurance?
I believe it was the latter... as they said they could not issue me anything until liability was confirmed. |
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| AudiInProgress |
Then I would most definately ditch the rental.
On a positive note, I'm impressed that you know how to spell the word "latter" and the correct usage, henceforth you shall be known as "Goodbuddygrammar!"
haha
just fucking with you pawel |
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| Driven |
quote:
Originally posted by AudiInProgress
Then I would most definately ditch the rental.
On a positive note, I'm impressed that you know how to spell the word "latter" and the correct usage, henceforth you shall be known as "Goodbuddygrammar!"
haha
just fucking with you pawel
So.. if i return it? how do i get to work? And.. i'd be stuck with the bill? Like.. i'm in a murderous rage right now.. this is total fucking bullshit... i got this assclowns address and everything. |
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| SilverNeonRacer |
Ok.. so you where on the whyte mud.. and he changed lanes into you... I didn't see details.. but what lane where you in, and what lane "was" he in before attempting to make 2 cars one.
Here's where I'm going with this.. if you where in an outside lane and he came to you from the middle lane... how could you turn into his lane?
Also what parts of the cars are damaged? from page one it sounds like he clipped your front end drivers door forward... where is his car damaged? rear? front? based off damage and scrape marks they should be able to tell whom hit whom..
HmmmMmMmmm |
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| Driven |
quote:
Originally posted by SilverNeonRacer
Ok.. so you where on the whyte mud.. and he changed lanes into you... I didn't see details.. but what lane where you in, and what lane "was" he in before attempting to make 2 cars one.
Here's where I'm going with this.. if you where in an outside lane and he came to you from the middle lane... how could you turn into his lane?
Also what parts of the cars are damaged? from page one it sounds like he clipped your front end drivers door forward... where is his car damaged? rear? front? based off damage and scrape marks they should be able to tell whom hit whom..
HmmmMmMmmm
YES.. i was in the middle lane.. by rainbow valley bridge... nobody in front of me.. he was in the left lane... and he was about to get hit by a 4x4 truck.. so he swerved outta the way.. hitting me in the process... and damaging my door... fendor.. and front bumper... while sending my car into a slide... from the middle lane.. into the far right barrier. |
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| AudiInProgress |
quote:
Originally posted by Driven
So.. if i return it? how do i get to work? And.. i'd be stuck with the bill? Like.. i'm in a murderous rage right now.. this is total fucking bullshit... i got this assclowns address and everything.
The longer you keep it, the more money they might fuck you out of, so... That's the only reason I say that.
That's why, when I pickup a rental after a car accident, I always make sure it's on the insurance companies tab... And I never sign shit.
If somebody fucks up my vehicle, I'm not losing out on a single red cent, it just doesn't make sense. |
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| Driven |
quote:
Originally posted by AudiInProgress
The longer you keep it, the more money they might fuck you out of, so... That's the only reason I say that.
That's why, when I pickup a rental after a car accident, I always make sure it's on the insurance companies tab... And I never sign shit.
If somebody fucks up my vehicle, I'm not losing out on a single red cent, it just doesn't make sense.
Well.. i'll have no way to get to work otherwise... fuck this is bullshit. |
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| AudiInProgress |
I hear you man... Keep the rental knowing full-well that $30/day or whatever might be coming out of your pocket... If you can't fight the insurance company and win.
I sure hope you can though.
Sounds like a lot of BS to me. |
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| Driven |
| Fuck.. i'm just gonna phone the adjuster tomorow.. and say that isn't my fault.. this guy has been avoiding their calls.. i have the police report... i have been patient.. i phoned the cops.. i am gonna phone my insurance.. i stayed and explained the situation.. i paid for the tow bill.. i paid for the deposit for the rental.. i am gonna demand pictures of his car... and i can take some of mine.. i am gonna consult the police as this is total bullshit. They will pay for 100% of my rental.. and 100% of my car... i am not at fault. |
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| AudiInProgress |
Sounds to me like you know what do. Keep us updated though.
:blue: |
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| Driven |
quote:
Originally posted by AudiInProgress
Sounds to me like you know what do. Keep us updated though.
:blue:
Well.. i'll prolly end up having to ask for her boss or whoever is in charge of that assfuck insurance company... ING insurance. I'm gonna say what i stated above and see how they react.
But i'm gonna start sharpening this axe in the mean time... like srsly.. i know where he lives.. wtf is he thinking. |
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| anschutz_93 |
Go to his house and talk to the guy. You definately shouldn't threaten him or anything but just let him know that you will not tolerate this shit. Going to his house will imply that you are not going to back down, be assertive/aggresive but keep your head.
How old is the guy? I garentee that if he has kids/wife and you ring on his doorbell he will definately rethink what he is doing. He's obviously a cock fuck who isn't willing to take responsibility for his actions but it takes a pretty fucked up man to risk his family over an insurance claim. |
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| anschutz_93 |
quote:
Originally posted by euro_ftw
either fix the car or they pay u the money.:thumbup:
LMAO! I still find this fucking hilarious :lol: :lol: |
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| TrevorK |
quote:
Originally posted by anschutz_93
Go to his house and talk to the guy. You definately shouldn't threaten him or anything but just let him know that you will not tolerate this shit. Going to his house will imply that you are not going to back down, be assertive/aggresive but keep your head.
How old is the guy? I garentee that if he has kids/wife and you ring on his doorbell he will definately rethink what he is doing. He's obviously a cock fuck who isn't willing to take responsibility for his actions but it takes a pretty fucked up man to risk his family over an insurance claim.
Going to his house to "discuss" can been seen as threatening him, and the insurance company will not take kindly upon that. They will then have grounds to assume that the poster is not credible/loose cannon and assess him with 100% fault, if they so choose.
Imagine going to court (which is your last resort) to sue him and it comes out that you came to his house and night and tried to "intimidate him". How do you think the judge is going to react?
His beef is with the insurance company, not with the other driver. The route this is solved is by going through the insurance companies first, demanding arbitration second, exhausting all insurance-related options (talking to IBC, etc...) going to small claims court last. Talking to the other driver in any way is out of the question because it will only make you look poor in the eyes of people that decide upon your fate each step of the way. |
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| Driven |
| I've held back... gotta be professional in a situation like this.. even though this guy is a total piece of shit. I contacted my insurance company and they are gonna step in only because they are offering 50% liability. I also faxed the adjuster the police report today. |
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