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Smart Shopper Questions About Auto Insurance & Accidents
4407 messages, Last post on Nov 27, 2009 at 7:06 AM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
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Replying to: dvexpert (Aug 29, 2007 6:26 am) |
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Replying to: qbrozen (Aug 30, 2007 5:47 am) Book Value $14,640. The way it was explained to me, is that if the damages exceed a certain % of the KBB price they will total it. So far the damages = $9K. That's already close to 62% and there are still more to be assessed. Here is my version of the accident (there are two sides to every story and then there is the truth, right?): I left the dealership the same way I came in (there is a road along side of it). When I got to the intersection with the main road, I realized that I was on a one way road (of course going the wrong way). I am not familiar with the area at all, so I just wanted to get to where I knew. I needed to make a left onto the road I was facing. I had my left turn signal on and a guy coming from the left stopped to let me out. I sat there for a min and waited for 2-3 cars coming from the right to pass. When they did I pulled out and that's when my car collided with another car coming from the left. Again, I'm not familiar with the area so I'm not sure if this woman was upset that traffic appeared to be at a stand still for no reason and decided to go out around or if there are two lanes of traffic during rush hour???
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Replying to: manda613 (Aug 30, 2007 9:36 am) Shame on your car! I guess it learned its lesson! ;b Sorry, I shouldn't make light of your situation, but I always find it humorous when a person telling an accident story personifies objects. Its very very common. Like, "the car then careened off the road" or "the tree jumped out in front of me." |
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Replying to: qbrozen (Aug 30, 2007 9:47 am) Back to topic... perhaps the OP was hit by a car turning into the dealership, who might have taken too wide a turn. I know we don't know the details, but it is possible that she was not the one at fault.
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Replying to: kirstie_h (Aug 30, 2007 9:58 am)  Coppers are saying it's my fault... not to mention that the other woman's speed was 000, funny!?!?
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Replying to: manda613 (Aug 30, 2007 10:07 am) |
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Replying to: manda613 (Aug 29, 2007 8:28 am) I can't see how you would be entitled to another car. |
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Replying to: okko1 (Aug 29, 2007 6:48 pm) I think you mean carfax.com, but hey both links work.
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Replying to: mikefm58 (Aug 30, 2007 6:31 pm)  I still have one in my files, my friends Miata, which was hit 3 times totalling $18000 in damages, and the CARFAX report is clean as a whistle.
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Replying to: manda613 (Aug 30, 2007 10:07 am) Now your insurance might have some sort of rider to cover a replacement vehicle as noted in your original message. Check with the insurance company. As for totalling - every company has a threshold for total loss. Again check with your insurer. GAP insurance will cover the difference between what you owe and what insurance pays you if it's totalled. Any downpayment or trade you made is gone forever. Last - based on the fact that you pulled out of a one way street in the wrong direction, you are at least 50% at fault. Good Luck. |
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