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Smart Shopper Questions About Auto Insurance & Accidents
4418 messages, Last post on Dec 04, 2009 at 12:44 PM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
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Replying to: patcof2 (Sep 12, 2006 7:10 am) Did you have "Replacement Cost" coverage with your company? Property Damage Liability either repairs or replaces whichever is of least cost to the insurer. Nobody is in the business to finance the love affair you have with your car. The most you can expect from any company is repair and if you can prove it, Diminished Value. Good Luck. |
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Replying to: patcof2 (Sep 12, 2006 7:10 am) Obviously, a repair doesn't make a car new. It's only a restoration of the physical condition and has nothing to do with "age." You are entitled to the provisions of your insurance policy. I doubt it says you will get a new car for a fender bender. tidester, host
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Replying to: tidester (Sep 12, 2006 8:47 am) |
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Replying to: patcof2 (Sep 12, 2006 9:30 am) You are absolutely correct. But your car isn't new. It's a 2 week old used car. Even if you had just driven the car off the lot and gone only 10 yards down the road, the situation would be the same. I know it sucks, but that's the way things work. If you're vehicle was totalled, you'd be out a few grand. |
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Replying to: patcof2 (Sep 12, 2006 9:30 am) Did you have to go away in an ambulance? Mark
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If I'm in an accident and driving some else's car, who pays, my insurance or the insurance of the owner on the car I was driving?
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Replying to: mikefm58 (Sep 14, 2006 3:35 am) Mark 
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The insurance of the car is primary...if the car is uninsured or underinsured, then you can go to your policy...if you do not drive or do not have insurance yourself, you may have group health for your injuries... I am assuming (there I go again) that the other guy was not at fault, altho in a no-fault state, some require that you always go to your insurance, in which case the above rule should apply... Altho I have seen many cases where the victim was driving someone else's car, used the car's collision to repair the car, but used their own medpay for their injuries, since the car's insurance did not include medpay... Sometimes being an atty is like trying to figure out Rubik's Cube...
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Replying to: marsha7 (Sep 14, 2006 9:19 am) Generally in most accident cases, the plaintiff sues EVERYONE in sight (Owner, driver, employer, etc.) and lets the judge sort it out. |
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Replying to: marsha7 (Sep 14, 2006 9:19 am)
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