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Questions About Auto Insurance & Accidents

4410 messages, Last post on Nov 29, 2009 at 5:58 AM
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Replying to: southerndivanc (Aug 15, 2007 2:42 pm) If the dealer destroyed your engine then he owes you a new engine. I don't know that you can ask for more than that, legally speaking. |
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Replying to: southerndivanc (Aug 15, 2007 2:42 pm) First, I can't believe a new engine on this car costs $14k! Good grief, times have changed? When did Toyota start using BMW engines? 2nd, I think you are treading on thin ice, to be honest. You should NEVER have let the engine run for even 1 more minute after the oil light came on. I would be very careful about how hard I push, if I were you. Or be very careful with how I explain the course of events.
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Replying to: qbrozen (Aug 15, 2007 5:55 pm) Well, then...the shop has insurance and has to fix it, or you sue them for damages. Toyota is off the hook, near as I can tell. |
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Replying to: southerndivanc (Aug 15, 2007 2:42 pm) However, any vehicle with 20,000 miles is no longer brand new. The $14,000 charge by the dealership is way out of line. The establishment that did the oil change is responsible for your having the repairs made. Their "Garage Keepers Legal Liability" policy will cover all, but the Drain plug if that is what was not screwed in properly. You need to deal with the insurance company that insures the oil change establishment. If I were in your situation, I'd be flexible and allow the company to pay to install a V6 engine from another used Camry or Avalon with 10,000 or less miles. Good Luck to you.
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Replying to: euphonium (Aug 15, 2007 9:15 pm) tidester, host SUVs and Smart Shopper |
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My son has a really poor driving record. He has just purchased a car of his own to travel to work. I was helping him get some insurance quote and something odd happened. I knew that because of his multiple tickets he was going to pay a higher rate. Most of the quotes came back in the $1500-$2000 range for six months. Compare that to my rate of $259 for the whole year. One company (Progressive) came back with a rate of about $650 for six months. We jumped on it. Now I'm wondering, what's the catch? Do insurance rates vary that much? This rate is 75% less than some other quotes. I figured rates would vary by 10-20% but this seems too good to be true. It is actually less than my insurance company charges me to have him on my policy. I asked the company representitve point blank, is this a teaser rate that will jump at the end of six months and he said that if my son had a clean record between now and then his rates should stay the same. Any thoughts? Great bargain or not?
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Replying to: oldfarmer50 (Aug 16, 2007 2:11 am) What coverages are included in the quotes? Even if it's just liability, the Progressive quote isn't too bad.
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Replying to: oldfarmer50 (Aug 16, 2007 2:11 am) It would be helpful to know his age, marital status, distance driven to work, the car, & what's on his MVR.
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Replying to: mikefm58 (Aug 16, 2007 4:19 am) We went for minimum liability required by New York. 25/50 liability, 10 property damage and PIP (no fault) of I think 25. |
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Replying to: euphonium (Aug 16, 2007 9:12 am) I'm not sure what you mean here. Do you mean that if we fail to give a complete record of his tickets and accidents they can raise the rate? They went over his record with me on the phone and at they checked it out. The rate was still the same. That's interesting what you said about 60 days. You mean they can bump the rate within that time? As to his driving record. He's 20, single, drives a $350 beater about 4 miles to work. He has had mulitiple moving violations for stuff like speeding, rolling stops etc. He had one accident where he drove my car off a cliff. Fortunatly, no one was hurt and the car was worth less than $1000. Because he left the scene the police were really angry and wrote him every ticket they could think of. |
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