Car accident. So upset!

posted 3 years ago in Emotional
Post # 3
Member
1625 posts
Bumble bee
  • Wedding: June 2014

@kanneb:  Aww, I am SO sorry! Car stuff is the worst! So glad you’re okay and the police are on your side!

Post # 4
Member
5697 posts
Bee Keeper
  • Wedding: August 2012

I’m sorry! That really sucks! Thankfully no one is hurt!

If the car IS totalled, they should be paying you cash for what it was worth. Could you not take that money and buy a car outright? You should at least be able to buy almost the same car for that money.

Post # 5
Member
3265 posts
Sugar bee
  • Wedding: February 2014

@kanneb:  Wait, there was no police report? The guy didn’t get cited for anything? That’s very strange. There are always reports even when no one is injured, at least here.

Hopefully insurance will take care of everything and maybe you won’t even have a car payment to worry about afterall.

I’m glad you’re okay!

Post # 6
Member
1926 posts
Buzzing bee
  • Wedding: July 2012

HUGS! That is horrible! I am so sorry! What a horrible person that other guy must be! 

Post # 7
Member
547 posts
Busy bee

Some stupid woman totalled my car last year. Ironically, she backed into me in the DMV parking lot. They should have yanked her license right there considering my car was parked in a parking space. Anyway, the insurance covered replacing my car. Hopefully you’ll be just fine and you won’t have to have a car payment.

Post # 8
Member
1443 posts
Bumble bee
  • Wedding: June 2010 - parent's backyard

@LiliKitty:  right? that’s what I was thinking too!

@kanneb:  I’m so sorry, that really sucks. hopefully his insurance will help. 

Post # 9
Member
137 posts
Blushing bee
  • Wedding: April 2014

Maybe when the insurance gives you the total value of the car, you can get a used car which will not cost you more money.  Then, when the wedding is over, you can re-assess.

Post # 10
Member
42522 posts
Honey Beekeeper
  • Wedding: November 1999

@MsJ2theZ:  A car that is nearly paid off is most often not very new. You get what it is worth on the open market, which is not usually anywhere near what you paid for it, nor what it would cost to buy the same type of car new.

Unless you have replacement cost insurance, which is only offered on very new cars, you always lose when your car is totalled, even when it is not your fault.

@kanneb:  Sorry this happened to you.

Post # 11
Member
8706 posts
Bumble Beekeeper
  • Wedding: December 2012

I find it very strange that they didn’t issue a police report.

Post # 12
Member
11772 posts
Sugar Beekeeper
  • Wedding: May 2013

Assuming you have insurance, you weren’t at fault–your insurance should be paying you for a comparable car of the same model and year.

Post # 13
Member
5697 posts
Bee Keeper
  • Wedding: August 2012

@julies1949:  Insurance companies use standard KBB pricing to reimburse for totalled vehicles. Meaning that if KBB says your car is worth 6k to purchase, you should be getting 6k from the insurance company. Of course it’s not the same that you paid for it, because it’s not worth what you paid for it, totalled or not. And replacing your used car with a new car isn’t an equal replacement either.

Post # 14
Member
2400 posts
Buzzing bee
  • Wedding: July 2013

@kanneb: Glad you’re okay- what a douche!  I’m confused there should still be a police report I would think? Some guy hit our truck and took off, we called the cops and they took a report & filed it. Never ended up charging him with anything but we didn’t press the issue once his insurance company pony’d up for the damage. 

I would double check on the police report thing, that seems really weird esp. since he had a suspended license as that’s most def. a ticketable offense. I would be worried about the insurance company being a hassle (or raising my rates) without a police report stating who was in the wrong. The only reason my rates weren’t raised from that incident was because I had the police report showing it was not my fault… 

The insurance company should still have to pay you what the car was worth, even though you paid it off. I’d just use that money to get a used car a few years older than the one you have now (because our value vs. insurance value is not the same)

Post # 15
Member
3200 posts
Sugar bee
  • Wedding: August 2011

@kanneb:  I would suggest taking the money from your insurance company and purchasing a used car.  Heck, if you liked your car enough you can even get the same year and model.  This way you avoid a car payment.  

Post # 16
Member
42522 posts
Honey Beekeeper
  • Wedding: November 1999

@MsJ2theZ:  I know. That’s what I said. You are the one who said she should be able to buy almost the same car. That almost never happens. She may have a very well maintained vehicle, but she gets the “average  value” from the Kelly Blue Book.

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