Edmunds.com | Inside Line | Auto Observer Your Account | Help | Directory
You are here:
![[F]](http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/townhall/webxicons/site.gif){kind=small}
Forums
Smart Shopper Questions About Auto Insurance & Accidents
4410 messages, Last post on Nov 29, 2009 at 5:58 AM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
|
Replying to: Mr_Shiftright (Jun 01, 2009 8:18 am) You are right. At this moment, I have too many other things happening and am finding this to be draining me already. Thanks for offering to review the details. Here is my car information. I have copied most of it from their list. 1999 Toyota Camry LE, 4 Cyl, 4 Door sedan with 113042 miles, I am the only owner. Automatic Transmission AT Standard Overdrive OD Standard Power Steering PS Standard Power Brakes PB Standard Power Windows PW Standard Power Locks PL Standard Power Mirrors PM Standard Air Conditioning AC Standard Rear Defogger RD Standard Intermittent Wipers IW Standard Tilt Wheel TW Standard Cruise Control CC Standard Keyless Entry KE Console/Storage CN Standard Console armrest Seating Cloth Seats CS Standard Bucket Seats BS Standard Radio AM Radio AM Standard FM Radio FM Standard Stereo ST Standard Cassette CA Standard CD Player CD Wheels Full Wheel Covers FC Standard Safety/Brakes Drivers Side Air Bag AG Standard Passenger Air Bag RG Standard Alarm TD Anti-Lock Brakes (4) ABS 4-Wheel Disc Brakes DB Reported Exterior/Paint/Glass Clearcoat Paint IP Metallic Paint MP Body Side Moldings BN Standard Dual Mirrors DM Standard Interior is good, minor paint spots in the exterior. Insurance esimtates total adjustments for such as $52. Cash value offered for the car 5400 Tax 324 + title 60 Final settlement amount : $5784.00 Let me know if you need any additional details. Thanks again, VeKi
|
|
|
|
|
Replying to: veki (Jun 01, 2009 8:48 am) |
|
|
Replying to: veki (Jun 01, 2009 8:48 am) I ran the Used Car Appraiser with the information you provided and it appears the insurance company is giving you a good deal. In looking at the listings from the dealers, the prices are higher but remember that is only the list price not the actual selling price. I would do a search on 1999 Camry for sale in your area. Print these out and try to get your insurance company to come up a bit.
|
|
|
Replying to: dtownfb (Jun 01, 2009 9:10 am) Thanks for helping me out on this one with your constructive feedback. Appreciate your time. I checked the link you provided and agree with your assessment. I will close this without any further ado/dragging. Thanks again, VeKi |
|
|
|
|
Hello. I'm moving to florida. My company is sending me to work there and i'm gonna be for about 3 years. I'm moving with my wife. We both have our driver licences issued in our country. We are planning to get our florida driver licence but is going to take about a month for us to settle and you can't live in Miami Metro Area without a car. Is there any company that will give us insurance? My company is giving me a car, so i think they will take care of my insurance. But i'm gonna buy a car for my wife, and i like to know if it's possible to have an auto insurance for her. No matter how much is gonna cost, we are going to have our florida driver license in one or two months. Thanks.
|
|
|
Replying to: diegoelvis (Jun 29, 2009 7:30 pm) tidester, host SUVs and Smart Shopper |
|
|
Replying to: diegoelvis (Jun 29, 2009 7:30 pm) One of the items you bring should be insurance records for the last three years..at least your policies presently in force. The Yankee companies can tell by your previous policy a lot of information. The more of the good they know = lower cost. I understand your employer is providing a vehicle for you and they will carry Liability insurance which will cover them, but how about you and your wife? Don't ask, but tell them to add your name and your wife's name to the policy as "Additional Named Insureds". Then you can be sure you & she will be covered when driving the "company" car. If you are not American citizens, expect to pay a little more with any company. Enjoy your stay. |
|
|
From Edmunds Answers, someone's passenger undoes their seatbelt to grab something, and the driver wrecks. Who pays for the medical diagnostic to check out the passenger's head? Steve, visiting host |
|
|
Interesting question...at least in GA, there could be multiple answers...I'll try some of them... 1. Most likely the driver is charged with fault in the wreck, altho the passenger has contributed to the wreck (I am assuming the driver lost control because of the passenger's actions), and it may be possible that the passenger could be ticketed with some kind of reckless action...if the driver is faulted, then the driver's medpay would be one source of payment for meds... 2. Assume same as above, the passenger MIGHT recover from the driver's liability policy, but if the passenger literally caused the wreck, the liability carrier may refuse to pay... 3. If the passenger has their own medpay, and the driver can prove he has none, then the passenger medpay will pay... 4. If the passenger has group health insurance, then his group will pay the diagnostic bill...if the passenger recovers from driver's liability policy, then health insurance will subrogate...if no recovery, then health insurance becomes provider of last resort... 5. If driver was driving illegally as an uninsured motorist, and passenger has no auto insurance (may not own a car, and would not have auto insurance), and is unemployed and has no health insurance, then it depends on how nice the hospital is, or whether or not there appears to be a true emergency...if an emergency, hospital would do all that is necessary regardless of ability to pay...if NOT an emergency, hospital is not required (I believe this is right) to provide unlimited services is there does not appear to be an emergency... 6. Not knowing the circumstances, maybe passenger unbuckling had nothing to do with causing the accident, and their car simply got rearended by another driver...assuming the other driver is insured, they are liable, at least in GA...all the medpay info as stated above, along with group ins would stay the same... It is kinda like a flow chart...1. At fault driver insurance pays...2. Victim driver's medpay pays...3. Passenger medpay pays...4. Passenger group hlth ins pays...5. Passenger pays out of pocket and pursues all at fault parties...6. Passenger sues and gets judgment against at fault driver for $100K...7. At fault driver comes to scuzzy bankruptcy lawyer like me (...  ...), we file Chapter 7 and wipe out the debt...Passenger now sucks wind forever...    Passenger cannot afford medical debt for wreck that was not his fault, cannot recover from at fault driver due to Chapter 7, so now Passenger seeks out scuzzy bankruptcy lawyer (I wonder who???)and he now files Chapter 7 to get rid of his medical debt... Who wins in this entire mess???...why, the scuzzy bankruptcy lawyer, who else???...now you understand how the world goes 'round... Does that help???...
|
|
|
Replying to: steve_ (Aug 01, 2009 7:25 pm) What part of the Drivers anatomy did the passenger grab? 
|
|
You are here:
Forums
Smart Shopper Questions About Auto Insurance & Accidents
New? Join Now!
Forum Tools
Search Forums
Browse by Vehicle
Browse by Board
Browse by Topic
Today's Chats
