Post # 32
Little known fact, when the insurance adjuster pays you out for your loss, he must find 10 cars in your area that have similar miles, wear and age to your car that are for sale or have been for sale in the past month. You can ask for this list and if you like, you can decline the property check and have them find you the replacement car instead
Post # 33
@fishbone: opps. thanks I wasn’t thinking when i put that one up. sent a request to have it removed.
i def will ask for that list thanks for sharing!
Post # 34
You can delete it yourself. Go to your thread and in the reply box just click on the “insert photo icon. Go to “my uploaded photos” and at the bottom right of the pic there is a little up arrow. click on that and one of your options is “delete”
Post # 35
@Ms.Sugarsnap: That’s called “illegal backing” I know because someone hit (slowly…more of a tap) me doing the same thing before and the cop gave them a ticket. I’m not sure what the laws are in NJ, but this was in PA, so I’m pretty sure there’s something that can be done. You should call a lawyer.
Glad to hear you’re ok!
Post # 36
@MissNoodles: Thanks for that! I had no idea 🙂
Thanks for the info! I don’t think there’s much that can be done, but I do have a friend that is an insurance lawyer (corporate) so maybe she can just advise me a little…
Post # 37
Suing depends on jurisdiction.
If you are un-injured and recieving property damage money, then that is a good situation – with respect to insurance. You insure your car for what you want to recieve in the event this occurrs. If you do not have enough insurance for an equal car that is the downside to a reduced premium policy (assuming that may have been what you have).
If you are injured or are not sure if you have long term injuries you could try to consult a lawyer who does not charge an initial consultation fee.
Liability may not be an issue which is in your favour. This does not necessarily ensure that you recieve more money if there are no injuries.
If in doubt consult a lawyer in your state. Remember though, if you walk away unharmed this is the BEST RESULT in Motor vehicle accidents. If the loss is limited to 2 days off work (and see if your sick leave will cover that) and the loss of the value your car had to you, then it may not be worth the stress a court case could bring. It also may not be worth much money (presuming you don’t have injuries).
Seeing counsel could be helpful to talk options. Remember: court cases are lengthy (typically) and not a ‘quick-fix’
I work as an attorney in Canada in this area. This is not legal advice.
Post # 38
What do you plan on suing for, if you go that route?
Unless you were severely injured, especially in NJ, you will go nowhere and it will take forever to get a settlement, that the lawyer’s will take a third of.
If he has insurance, and he is determined to be at fault, you will get the value of your vehicle and paid for any injuries.
Someone rear ended me, I was injured, had to go to physical therapy for months, loss wages of a second job due to having to go to physical therapy, (my full time job paid for my time out of work, so I coudn’t get anything for that) and after about 2 years waiting for it to get on the docket, I came out with about $4000.
Post # 39
Definitely sue. The loss of time at work etc for me makes it a simple matter. Contact a peronal injury lawyer (all reputable personal injury lawyers only take a % of what your final check is- no up front costs) and see what they advise. If the plow truck was a town truck, the town will have the proper insurance to cover the injuries to you (aka missing work, totalled car). Ideally the towns insurance will settle quickly and life can return to normal! Hope you are ok!
Post # 40
@mojoh: +1 My baby was recently totalled. Other driver had a stop sign, Fiance did not, other driver did not stop. At all. Book value of my car was maybe $3k. We ended up getting A LOT more then that because of everything that mojoh stated. Good Luck.
Post # 41
This is a good response. It is like this in Ontario as well. My guess is your state would be similar.
Post # 42
I don’t plan on suing anyone, I am just pissed that I’m going to get a crappy payout because most of the things I replaced recently do not add to the cars value (brand new catalytic converter, new brake lines, new exhaust system, new radiator) according to the insurance company. I’ve dumped a lot of money into that car to keep her running so I could get to and from work and because some (nice but dumb) guy decides to drive like a jacka$$ I have to try to get a new car within the next 25 days in addition to the wedding (which we are paying for mostly ourselves and we have invited 211 people) and trying to find a house to rent.
I think he should give me his dumb truck with no damage since he broke mine and let him go find a new car 🙂
Post # 43
Sorry this happened, its a big bummer! I was in am accident last year, just had bought my car 3 months prior and the girl rear ended me. She asked me who I was calling, I said the cops, she asked for what…uh you hit me. Her response was oh no you don’t! And she took off, I was standing there knowing she was leaving, okay focus on the plate, focus!! No plate.. obviously a citizen who couldn’t care about laws or others. It was minor damage, but I got it fixed because it was a new car and I didn’t want the daily reminder of the wreck, such a horrible day! My insurance paid after my deductible, but so upsetting to pay in the first place!
Post # 44
This happened to me a couple of years ago! Sitting at a stop sign waiting for the car in front of me to go, and all of the sudden she backs up! Same thing where I saw her lights go on and bolted for the gearshift, but wasn’t fast enough. Luckily my car didn’t have much damage, but I do know how infuriating it is to be like WHY THE EFF WOULD YOU BACK UP IN THE MIDDLE OF THE ROAD?! AND WHY WOULDN’T YOU CHECK YOUR REARVIEW MIRROR FIRST?! The girl who backed into me didn’t even get a ticket, the cop let her off with a warning because it was in a small town and he knew her dad and she had just gotten her license and was really sorry and there wasn’t much damage and blah blah blah. I was soooo angry! Sorry you’re dealing with this =(
Post # 45
Please don’t get me wrong. This situation is very unfortunate and I am sorry that you have had to go through it.
Insurance can be prohibitively expensive to ‘top-up’ your coverage and a lot of people do not do it. Perhaps in the future that will be something to consider. Although, in that case you probably would then never have to use it!! (murphy’s law).
Wishing you the best for your upcoming wedding.
Post # 46
@AstonMartin: I did have accident insurance and everything that was available through Liberty Mutual for my vehicle- that doesn’t make my car worth more though, so that is not the issue (plus his insurance must cover everything as he’s the one who hit me)