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Thread: SO i just got in an accident... Reply to Thread
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Topic Review (Newest First)
10-26-2012 07:03 PM
k1ngkev1n1 Ok so my insurance is going to cover my repairs and the driver who hit me is going to cover medical bills and my loss in wages. Driver who hit me doesn't have enough coverage to cover my repairs ( I guess it's private property coverage)

My question is when I hire an attorney they will go for pain and suffering, in convenience and the diminished value of my car correct? I will also have to get a rental in order to get to work as well an pay for that.
10-26-2012 06:35 PM
Woggy64
Quote:
Originally Posted by darkangelism View Post
Just because she is nice, she was stupid enough to not have enough insurance.
Most drivers in the state of California do not have enough coverage (and I bet most states). I drive through Newport Beach and Beverly Hills at times. If I hit a $400,000 dollar car, I'd be liable for $395,000 of the damages if I totaled it if I carried the state minimums.

And let's not even think about the medical side of that scene...
10-26-2012 06:32 PM
Woggy64
Quote:
Originally Posted by unfocused1 View Post
question: If some twerp hits me, and there is absolutely zero chance I can get out of the path of a person in front of me, is it really 100% my fault for hitting the other guy?

With the impetus of the first person hitting me, that should have some merit as it was the first person's actions that directly resulted in the whole chain of events?
it depends on whether your state is a "No fault" or "At Fault" state. California is a "At Fault" state, therefore who ever was the cause of the accident is where the blame, and the costs, go.

In a "No fault" state, there is no fault placed. Someone hits you, it's their fault. You get pushed into car in front of you, well, then that's your fault. They go after your insurance, while you go after the guy who hit you.

At least that's the way my agent explained it to me (and if I remembered it correctly).
10-26-2012 06:18 PM
F35-JSF
Quote:
Originally Posted by unfocused1 View Post
question: If some twerp hits me, and there is absolutely zero chance I can get out of the path of a person in front of me, is it really 100% my fault for hitting the other guy?

With the impetus of the first person hitting me, that should have some merit as it was the first person's actions that directly resulted in the whole chain of events?
In my state they would generally say you didn't leave sufficient room between you and the car in front of you. I have witnessed exceptions to that though. My dad was sitting at a red light when a landfill dump truck driver hit the gas instead of the brake. He plowed into a prelude, wedged it into the back of my dads explorer, pushed my dads truck on top of a cops crown vic and pushed the three of them half way through the intersection they were at. My dad wasn't cited for being to close. There was nothing he could have done to prevent hitting the cop in front of him.
10-26-2012 05:24 PM
k1ngkev1n1 AAA is supposed get their own estimate of what it cost to fix probably around the 9150 Mecury had and that doesn't include my xpel Clearbra (600$) and magnaflow exhaust (600$ installed)
10-26-2012 05:23 PM
k1ngkev1n1 Well I've spoken to a few attorneys today just gotta pick the right one. You guys are right I'd rather get money from her then make myself take it. Also would feel nice to have someone in control making sure gets done.
10-26-2012 05:16 PM
unfocused1
Quote:
Originally Posted by F35-JSF View Post
I Wouldn't take it up the rear twice because she is a nice lady. Insurance is designed to cover good people who experience bad things. Get yourself some representation. You NEED an attorney to sort out the legal mumbo jumbo for you.
Seconded!

Insurance is there for good people caught in bad situations that they did not create.

Quote:
Originally Posted by MyThIc3LiTe View Post
Who cares if she was Mother Teresa?

I made damn well sure the guy that hit me paid through the nose on everything. Repairs, lost value, personal injury - I didn't let off just cause he made a mistake.

The mistake could have killed me, if there were pedestrians he could've killed them.

As it stands I know that man paid through the ass on the tickets he received, the demerits that follow and because of his blatant stupidity my insurance was able to steamroll his. He is a 65 year old man who now has the premiums and record of a delinquent teenager. Because of his mistake.

I don't regret anything.


You did nothing wrong, don't bend over just cause they *MIGHT* be nice.
Agreed. There's a time and a place, but given the purported value of human life, drivers have some responsibilities. Being "nice" could just as much be an act...

Quote:
Originally Posted by darkangelism View Post
Just because she is nice, she was stupid enough to not have enough insurance.
To be fair, while she probably shouldn't be driving, in our new normal, with higher prices on everything and with the slightest excuses to make insurance go up...

A friend of mine, through no fault of her own, who had insurance for 30 years, had to use it, and then the company - incapable of being ran like a business where a hit has to be taken like how every other business has to take a hit every now and then - decided to ram it up her for a 300% premium increase per month. It's outrageous. Yeah, under certain circumstances a premium hike would be expected and justified... and in others, such as fraud on the part of the person who has the insurance, other things would absolutely be justified... maybe I'm missing out on a detail, but something that wasn't her fault or in her control shouldn't leave her taking the sword...
10-26-2012 05:10 PM
unfocused1
Quote:
Originally Posted by F35-JSF View Post
I can't see them. Glad you are ok. Have to check your states laws, some like my state would place the guy at fault for hitting you and you at fault for hitting the guy in front of you. Some are no fault.
question: If some twerp hits me, and there is absolutely zero chance I can get out of the path of a person in front of me, is it really 100% my fault for hitting the other guy?

With the impetus of the first person hitting me, that should have some merit as it was the first person's actions that directly resulted in the whole chain of events?
10-26-2012 02:51 PM
darkangelism Just because she is nice, she was stupid enough to not have enough insurance.
10-26-2012 02:44 PM
MyThIc3LiTe
Quote:
Originally Posted by k1ngkev1n1 View Post
yea, i just dont want the attorney try and take her for all her money she seemed like a nice lady, i also just dont want to loose out on the value of my car.
Who cares if she was Mother Teresa?

I made damn well sure the guy that hit me paid through the nose on everything. Repairs, lost value, personal injury - I didn't let off just cause he made a mistake.

The mistake could have killed me, if there were pedestrians he could've killed them.

As it stands I know that man paid through the ass on the tickets he received, the demerits that follow and because of his blatant stupidity my insurance was able to steamroll his. He is a 65 year old man who now has the premiums and record of a delinquent teenager. Because of his mistake.

I don't regret anything.


You did nothing wrong, don't bend over just cause they *MIGHT* be nice.
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