My car was wrecked...
I was driving my Honda Civic the other day and an old lady in front of me decided that is would be a good time to make a U-turn. She failed to check her mirrors and started crossing into my lane :scowl: . I tried to stop but there was nothing I could do. We hit and I ended up crossing the other lane of oncoming traffic missing an oncoming car and came to a stop on the curb. I was not hurt and neither was the other driver and she was at fault but know I have to deal with all the insurance stuff.
I'm pretty sure they are going to total out my car which sucks because my car was paid off and I'm pretty sure I'm going to have to take on a car payment again. :bawl:
I guess I'm happy that I'm OK and that she has insurance that going to take care of it all but it still sucks.
One thing I've learned about accidents is to never say your not hurt.
I say: "After I see my doctor, I'll let you know".
I suggest you see a doc asap to get checked out. IME, lots of problems come up after the fact, especially with your back/neck.
Be sure you contact your insurance company to report the accident if you haven't already. They can take care of your car and get the money from the at fault party. You'll have to pay your deductible but at least they are a little bit interested in taking care of you.
Also get a copy of the police report.
IME, YMMV and all that.
Here's more on what to do: http://www.cars.com/go/advice/Story....in-an-accident
Do not necessarily take the first settlement offer either. If it is inadequate then consider suing for negligence so you don't have another car payment. You don't deserve one so why should you have one ?
Police report was filed and Insurance has been contacted. I don't have to pay my deductible since she was at fault. My step mother is my insurance agent so she went to work real fast on getting my stuff together. I even get a free rental car till they figure out what they are going to do about my car. I don't know about suing for more money. it seems like a lot of extra hassle. However I think I will look into it just so I know all my options.
Just tell them you want to be made whole. Ask your mom, she will know.
Negotiating with insurance companies is really no different than a card game with both sides trying to bluff the other. Whoever blinks first loses so hang tough and hire a lawyer if needed, but only if your adjuster tries to screw you. The real trick there is to just be friendly and don't let them push any BS off on you. Get schooled on what your car is actually worth and stand pat around that number and they should come around, though it may take a little back snd forth before they do.
Looks like my car is worth about 2k which would be a pretty nice down payment on a decent used car. I should hear back today about what they want to do.
Sometimes you don't even KNOW you're hurt for a couple of days. Car accidents can rattle your body in very weird ways. Good luck.
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