Author Topic: Car accident  (Read 5439 times)

chicklets123

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Car accident
« on: September 09, 2019, 05:43:32 PM »
Paid off luxury car is was in an accident.
Will it be repaired or written off.
Not even our fault.

Is this going to cost us with either outcome?

HPstache

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Re: Car accident
« Reply #1 on: September 09, 2019, 05:46:31 PM »
Paid off luxury car is was in an accident.
Will it be repaired or written off.
Not even our fault.

Is this going to cost us with either outcome?

If it's not your fault, it'll be on the other driver's insurance to repair or replace.  Did you get the other driver's info?  Police Report?

chicklets123

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Re: Car accident
« Reply #2 on: September 09, 2019, 05:50:44 PM »
Yes got the other insurance Info.

They are still accessing the damage to be a write off or repair.

When they give you a write off quote... isn’t it usually market value... which is hard to find the same car or close to? Do you ever come out without having to spend any money?

Wasn’t really expecting to have to spend $ :(


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SwordGuy

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Re: Car accident
« Reply #3 on: September 09, 2019, 07:27:05 PM »
It really depends on what you do with the money and the car.

Will the car be functional, i.e., is the damage mostly cosmetic?   

If it's cosmetic damage you can make a fair bit of money if you don't repair that.

We had someone rear-end my wife's car 30 years ago.   The station wagon door was ruined and the plastic cover on the rear bumper was scuffed.   We had the door replaced.   They couldn't repair or replace the plastic over the bumper so it was going to cost about $1800 for a new bumper.   We pocketed the $1800 and used it to repair the roof on our house.   

I told my wife that was a real budget helper but "Let's not do that again."

About 10 years ago hail totaled both our cars with 100% cosmetic dents.  No functional damage.   Both cars were totaled.   We bought the cars back from the insurance company for pennies on the dollar and pocketed $10,000.     Money from heaven!  I'm still driving that hail-dented car.   My wife traded hers in some years later when someone lost control of their car on a rainy day and hit her.

The very day we got the check for that damage, we had coincidentally taken the day off to drive across state to the zoo.   We got rear-ended while sitting at a traffic light.   We repaired the functional damage and pocketed more money because we ignored the cosmetic damage.   

So, yes, with a bit of luck on how your vehicle was damaged and the willingness to be seen in a less than perfect looking car, you can make some serious cash.

Just recognize that you've sucked the value out of the car and turned it into money.   So don't blow it on stuff if you can't afford to replace the car if someone totals it again.

Weisass

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Re: Car accident
« Reply #4 on: September 09, 2019, 07:30:57 PM »
My partner and I bought a car last December and had it exactly one week before a teenager totaled it while we were on our way out for a date. Insurance put her at fault, and we got the amount we had paid for the car in a check as soon as the title cleared. Ended up replacing with a similar car that was $1000 cheaper, so who knows... maybe you can come out ahead!

chicklets123

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Re: Car accident
« Reply #5 on: September 09, 2019, 07:41:36 PM »
Oh I didn’t think about that,  coming ahead... good points


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Systems101

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Re: Car accident
« Reply #6 on: September 09, 2019, 09:35:21 PM »
Paid off luxury car is was in an accident.
Will it be repaired or written off.
Not even our fault.

Is this going to cost us with either outcome?

You don't know until you get the feedback from the insurance company.  My (13-year old, luxury) car was rear-ended in an accident last November.  That was minor (although by the time the rental car cost was included it was $3,500 in cost to the insurance company of the at-fault driver.)  In that case, the difference to me was fairly minor (I had one part bent back into place instead of replaced, which bugged me a bit, but the manufacturer had an indefinite backorder on the part, so they couldn't replace in any known time frame.)

That same vehicle was then totaled a few months ago - moving 45 mph, clipped in back quarter by a guy running a red light... airbag deployed accident, off the road, took out a sign.   Car had $10K+ of damage on it (and that's what they could SEE), was waaaay more than it was worth on paper - so totaled.

I didn't go pick a fight with the adjuster, but I suspect they didn't pay what it would take to replace.  Probably would have been $1,000-$1,500 loss if I had replaced it with a like vehicle... but in reality such a vehicle doesn't really exist anymore... mine was "dealer or better" with one exception, and there just aren't that many of that age car that are still around...



Rubic

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Re: Car accident
« Reply #7 on: September 10, 2019, 03:19:29 PM »
If it's cosmetic damage you can make a fair bit of money if you don't repair that.

+1

My younger brother got rear-ended recently.  The bumper on his 10+ year old vehicle had just cosmetic damage, so he pocketed the $3000.

PlainsWalker

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Re: Car accident
« Reply #8 on: September 10, 2019, 03:53:36 PM »
Also, the insurance adjuster of the other party isn't your friend. They are looking out for the best interest of their employer.

I spent a few hours reading up on how to work with an adjuster after my wreck year before last. And I setup a folder in my filing cabinet where I kept a phone log and mileage log along with every scrap of paper related to the wreck. There were medical expenses involved and it took ten months to resolve.

chicklets123

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Re: Car accident
« Reply #9 on: September 10, 2019, 05:27:26 PM »
Oh I thought the adjuster is the one with your own insurance co.


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msbutterbean

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Re: Car accident
« Reply #10 on: September 10, 2019, 07:19:40 PM »
When they give you a write off quote... isn’t it usually market value... which is hard to find the same car or close to? Do you ever come out without having to spend any money?

Yes, if repairs are more than book value, it's considered a total loss. I got $4000 for my very tired 2006 Honda Odyssey a few weeks ago (repairs were estimated $7K plus) which I thought was pretty generous (200K miles). But I wasn't able to find something I was comfortable with for that amount in the time I had. So I ended up replacing with something newer (a 2012), which of course meant dipping pretty substantially into the car fund to make up the difference.

Just Joe

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Re: Car accident
« Reply #11 on: September 12, 2019, 08:16:28 AM »
I have to wonder if insurance adjusters like to push things forward so the person they are dealing with won't do much homework or b/c many people just want the cash fast.

Keep a list of what an accident costs you and don't take the first settlement offer. Being frugal with money in the bank means you can stretch out the process more than other people so you get a fair settlement.

dogboyslim

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Re: Car accident
« Reply #12 on: September 12, 2019, 10:42:38 AM »
IANAL, this is not legal advice.

An adjuster can be from your own company, independent or from the other party's company.  In any of these cases, their job is to settle the claim for as little as they can, while still staying out of court.  I suspect that is what the other poster meant by they aren't your friend.

An example from my situation.  A woman pulled out in front of me resulting in an airbag deployment and my car was totaled because the right front wheel and axle shaft was shoved into the engine block on a 7 year old car. 

Often times they exert "pressure" on the claimant in a number of ways.  A low settlement offer very quickly with phrasing with push-back like "It may take quite a bit of time to go back and review your proposal" or similar.  This works often because people are not buffered and need the money and they take it.  Mustachians should be able to float the timeframe to not let this tactic work.  They did this to me (my own carrier), I refused the first offer, it took an additional 2 months to review my proposed settlement.

Document values on your own and question how they came to their conclusions.  If they total it and have an offer, ask them where you can find a comparable vehicle at that cost.  Ask for a specific listing they are referencing.  If they cannot find one, find an equivalent listing in your mind and ask for the higher amount.  This is how I justified my higher amount.  The value they gave me would only have purchased vehicles with many more miles than the one I had, and they couldn't find one with similar mileage in my area at a price lower than my proposal.

There were two offers of settlement in-between that I refused, each coming closer to my amount, talking about documented "sales."  I said at each of these "Great, show me where I can buy a similar car and we are good to go."  They couldn't either time.  They also pulled the second pressure tactic on me: pulling the rental car.  After the first offer they told me they were going to pull the rental, I said fine.  Then they let me keep it.  At the second offer they again said they were going to pull the rental, I said fine again, and they did pull it.  I had another car so just let them.  I was riding my bike to work, so my wife just kept using the other car.  The rental was rarely used anyway.  This really flummoxed the adjuster.  He didn't comprehend how not having the second car wasn't going to be a huge inconvenience and tried multiple times to get me to take the offer instead of having to be so "inconvenienced" while he worked through my proposal.  They finally came up to the the value I originally suggested and I accepted.  I thought about asking for interest on the amount from the date of the crash, but opted not to push my luck.  There were no medical injuries in my case.

If you have medical injuries, be VERY WARY of endorsing any checks.  READ THE BACK CAREFULLY.  Some carriers have an agreement on the back of the check that states that endorsement of the check constitutes agreement that the claim has been settled in full.  For anything but totally minor injuries, I suggest you seek legal help to be sure you don't get worked over.

Good luck!

dogboyslim

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Re: Car accident
« Reply #13 on: September 12, 2019, 10:44:11 AM »
When they give you a write off quote... isn’t it usually market value... which is hard to find the same car or close to? Do you ever come out without having to spend any money?

Yes, if repairs are more than book value, it's considered a total loss. I got $4000 for my very tired 2006 Honda Odyssey a few weeks ago (repairs were estimated $7K plus) which I thought was pretty generous (200K miles). But I wasn't able to find something I was comfortable with for that amount in the time I had. So I ended up replacing with something newer (a 2012), which of course meant dipping pretty substantially into the car fund to make up the difference.

Minor nit.  Most carriers will total with repair estimates that are greater than 60-80% of book value.

LiveLean

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Re: Car accident
« Reply #14 on: September 12, 2019, 01:30:15 PM »
I'm actually writing a book on dealing with car accidents having been in one five years ago.

First things first: Are you sure you're okay? You posted this three days ago. Sometimes spinal injuries take a week or two to manifest themselves. There's only a small window for you to make a claim -- or at least be examined. I'm not trying to sound like a lawyer - I'm not - but I had serious cervical injuries that did not show up until 4-5 days after.

Car accident victims need to worry more about their bodies than their car bodies. Fixing or replacing your car is a pain, but it's a relatively easy process compared to dealing with injuries. My car was totaled - not my fault - the day after I had new tires installed. I also knew I'd take a financial hit since I had gotten my 20-month-old car for a steal at the end of the year. In the end, I replaced my car with an identical one with 28,000 fewer miles and had to pay $6,000 above my settlement. So I paid $6,000 for 28,000 miles. Not great, but okay.

Again, please make sure you're okay.

PDXTabs

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Re: Car accident
« Reply #15 on: September 12, 2019, 05:16:34 PM »
Paid off luxury car is was in an accident.
Will it be repaired or written off.
...
Is this going to cost us with either outcome?

Well, if you liked the car and it gets written off you may well feel screwed. Luxury cars don't hold their value well but you may have been able to drive it for many more years.

Duke03

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Re: Car accident
« Reply #16 on: September 12, 2019, 07:58:44 PM »
x2 on going to a Dr. and getting checked out after a car accident even if you think you are ok.  Certain soft tissues wounds can take up to 2 weeks to show up.  That stiffness you feel when you wake up in the morning might not be from the way you slept the night before.  When it comes to adjusters be prepared to go to war.  Their job is to get you to settle for the least amount of money possible.  My tip is make them put you in a rental car asap.  They hate paying for rentals as it's a sunk cost.  They are required to since they are at fault and that money is just lost to them.  Another thing is start getting listings for similar cars and mileage and what they are selling them for so you have a good idea.  Don't just go off kbb value because they won't be.  Also remember they have to reimburse you for sales tax on the value they assign to your totaled car.  A lot of people don't know this.  So say you want 15k for your car.  They agree to this by paying you 14k plus say 1k in a sales taxes rebate.  Most people just say hey I got 15k so what do I care.  When you really should have gotten 15k for the car plus the sales tax value.  Don't accept their first or 2nd offer.  Also don't be in a rush to reply back to their emails or phone calls right away.  If they think you are hard up for cash they will low ball you also.  Don't fall for the old meet me at the collision center where you car is at.  A smart adjuster will then tell you it's totaled and he could cut you a check right there on the spot …… for a dollar figure he will be high fiving his boss at the Friday morning meeting..

chicklets123

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Car accident
« Reply #17 on: September 14, 2019, 07:20:47 AM »
So we got a assessment and it is a write off for sure (18k at 130km) . Looked around and it’s hard to find a car in the same condition for the same price. Also the insurance company did not factor in the tax amount either when I look at comparables.

Currently in a rental for only 3 more days. That’s the time they gave us to find a new car.

Do they usually cut you a cheque before or after you buy the car. Do you have to show them the car you actually bought to get the cheque?

Is my insurance company going to raise my insurance somehow even though it’s not our fault? Saying it’s due to increase in market stuff etc?


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« Last Edit: September 14, 2019, 07:37:49 AM by chicklets123 »

Systems101

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Re: Car accident
« Reply #18 on: September 14, 2019, 09:56:31 AM »
Looked around and it’s hard to find a car in the same condition for the same price. Also the insurance company did not factor in the tax amount either when I look at comparables.

Then don't accept their assessment.  Push back with the documentation of what the market prices are in your area.

Do they usually cut you a cheque before or after you buy the car. Do you have to show them the car you actually bought to get the cheque?

No, you have to sign over the title of the totaled car to get the check.

chicklets123

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Car accident
« Reply #19 on: September 14, 2019, 12:00:59 PM »
Can one ask for them to fix the car instead? Though they said it is $22k to fix from the insurance company. To buy the same car or one compatible is $25-$30k. Yet they are giving us $18k? Isn’t the point of insurance to have extra cost when not at fault? So angry that we are it the $ when it wasn’t even our fault. The person at fault only has to fix a bumper.


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Duke03

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Re: Car accident
« Reply #20 on: September 14, 2019, 01:35:23 PM »
Can one ask for them to fix the car instead? Though they said it is $22k to fix from the insurance company. To buy the same car or one compatible is $25-$30k. Yet they are giving us $18k? Isn’t the point of insurance to have extra cost when not at fault? So angry that we are it the $ when it wasn’t even our fault. The person at fault only has to fix a bumper.


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Show the adjuster that it will take 25k-30k to replace the car.  Show them the links of similar cars for sale with like condition and mileage.  If your car had supper low miles they have to make an adjustment in value in your favor for this.  They are low balling you at 18k.  I would also push to get a rental extension.  If the car is totaled they will not pay to fix it end of story, but that also doesn't mean you have to take a low ball offer.  Time is on your side.  Simply tell them 18k will not due and stop communicating with them for a couple days.  Adjusters are expected to close out claims as fast as possible for the least amount of money.  So by you stalling he doesn't get to close out your claim all the while more and more claims get added to his desk.  One time I had a spare car/sports car get totaled with no fault of mine.  The insurance thought they where going to low ball me.  I left that claim open for 5 months because I didn't need the car and time was on my side.  Their first offer was 5k.  They tried using kbb value on a 20 year old sought after sports car. I settled for 17k 5 months later, but I also had proof that's what it would take to replace that car.

DaMa

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Re: Car accident
« Reply #21 on: September 15, 2019, 05:33:47 PM »
Your rate will probably go up.  Ours did.  We had 2 accidents in 2 months -- (1) someone backed into our truck in a parking lot and (2) a driver lost control of his car on icy roads and plowed into us while we were stopped at a stop sign.  We lost our "accident free" and "claim free for 10+ years" discounts.


Villanelle

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Re: Car accident
« Reply #22 on: September 15, 2019, 05:41:36 PM »
Can one ask for them to fix the car instead? Though they said it is $22k to fix from the insurance company. To buy the same car or one compatible is $25-$30k. Yet they are giving us $18k? Isn’t the point of insurance to have extra cost when not at fault? So angry that we are it the $ when it wasn’t even our fault. The person at fault only has to fix a bumper.


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[

On what are they basing that $18k?  And on what are you basing your $25-30k?  (Private sale of a car with the same mileage and year?  Dealer sale of comparable?  Something else?)

Milkshake

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Re: Car accident
« Reply #23 on: September 16, 2019, 07:28:36 AM »
Haven't seen this mentioned yet but when my insurance company refused to increase their lowball offer and also refused to explain their calculations for why their "estimated value" was as low as it was, I contacted the insurance commissioner in my state. I believe every state has one, and they are kind of your last defense (short of going to court or hiring your own appraiser out of pocket). The commissioner wrote them a demand letter stating they must explain their reasoning or increase the offer. They increased the offer (though not as much as I wanted.. but I wasn't going to court over it.)

*Edit: this assumes you are in the USA. Also, as others have said, not one single person at the insurance company is your friend or doing you a favor. They have a business to run, and money to make. Paying you more is in direct opposition to their goal of making more money.
« Last Edit: September 16, 2019, 07:32:04 AM by Milkshake »

dogboyslim

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Re: Car accident
« Reply #24 on: September 16, 2019, 07:57:41 AM »
Do you have to show them the car you actually bought to get the cheque?

Is my insurance company going to raise my insurance somehow even though it’s not our fault? Saying it’s due to increase in market stuff etc?

1.  No.  You are owed financial compensation to make you whole.  That means they owe you money, not a car.  Find an equivalent car, and they owe you to cost to purchase it, NOT the car itself.  You are free to take the money and purchase no vehicle to replace it.  This should not reduce your settlement.

2.  Probably.  Statistics show that after controlling for other rating variables, individuals that are involved in accidents that are not their fault - as a group - are more likely to have an claim in the future than individuals that have not been involved in any accidents.  This is common knowledge in the industry.  Some carriers adjust this for all insureds at renewal, others only assess it at new business.  They may increase your rates anyway due to overall rate level adjustments due to increased cost of accidents and increased frequency due to more vehicle miles being driven in general, but that would be unrelated to this accident.

chicklets123

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Re: Car accident
« Reply #25 on: September 19, 2019, 09:14:07 AM »
Waiting for the adjuster still to get back to us.

Is it worthwhile to look into seeing the other driving for being on their phone when the accident occurred?

Though there was no witnesses. I think the phone bill would be the only proof but they can say they were using hands free...


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Chris Pascale

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Re: Car accident
« Reply #26 on: September 22, 2019, 10:03:37 AM »
In 2018, I was rear-ended in my 1997 Ford Explorer. It was totaled becuase the tow bar was destroyed, and some damage was done to the rear taillights, tire, and some other parts. I had the tire replaced, kept the different from the $2,000 they sent me, and then drove it for another year.


chicklets123

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Re: Car accident
« Reply #27 on: September 30, 2019, 04:26:16 PM »
Looks like we will have to pay $20k or so for the difference for a preowned still with warranty and low kms. The dealer is offering 5.99%. Is it best to use our emergency funds to pay in cash? Or should I be financing this? We also have a few real estate properties closing in a few years that credit will need to be looked at.

Villanelle

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Re: Car accident
« Reply #28 on: September 30, 2019, 05:22:03 PM »
Looks like we will have to pay $20k or so for the difference for a preowned still with warranty and low kms. The dealer is offering 5.99%. Is it best to use our emergency funds to pay in cash? Or should I be financing this? We also have a few real estate properties closing in a few years that credit will need to be looked at.

There is a $20,000 difference between what they are giving you and a supposedly comparable car?  Is that truly correct?  If so, you need to do two things.  First, push back with the insurance company.  Second, buy a much, much cheaper car. 

Even if it isn't a $20k difference (which seems hard to fathom since you said they are offering you $18k, which means both that this is a $38,000 car, and that they are offering you less than half of the actual replacement value), then your question about using E-funds or financing is the wrong question.  They are giving you $18k.  That is MORE than enough to buy a nice, safe, low mileage vehicle.  Don't spend money you don't have on a car.  It's utterly unnecessary.  Find yourself a nice car for $15,000 or less (probably much less!) and pocket the difference. 

chicklets123

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Re: Car accident
« Reply #29 on: September 30, 2019, 05:35:24 PM »
The $20k would factor in the kms. This newer car is $20k more but 80km less and 5 yrs newer. Still 2 yrs warranty. Also $5k below market.

There wasn’t anything in the market for the same car in the same condition. All had really high kms and the interior was very damaged. No warranty.

We could get a new car but would like to keep the same type of car since it feels so unfair to have to pay at all.  It’s actually the same car just newer.

Just wondering if we should pay cash or finance with the dealer at 5.99% or from elsewhere.
« Last Edit: September 30, 2019, 07:03:34 PM by chicklets123 »

Villanelle

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Re: Car accident
« Reply #30 on: September 30, 2019, 06:51:41 PM »
You are on the wrong site to ask if you should finance (at 5.99%??????) $20k of a ~$40k car or spend your emergency fund.

chicklets123

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Re: Car accident
« Reply #31 on: September 30, 2019, 07:09:15 PM »
I guess it’s not emergency fund but just cash sitting at 4-5% interest in a high interest savings. The rest is in investments.
« Last Edit: September 30, 2019, 08:13:34 PM by chicklets123 »

Xlar

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Re: Car accident
« Reply #32 on: October 01, 2019, 11:55:23 AM »
The $20k would factor in the kms. This newer car is $20k more but 80km less and 5 yrs newer. Still 2 yrs warranty. Also $5k below market.

There wasn’t anything in the market for the same car in the same condition. All had really high kms and the interior was very damaged. No warranty.

We could get a new car but would like to keep the same type of car since it feels so unfair to have to pay at all.  It’s actually the same car just newer.

Just wondering if we should pay cash or finance with the dealer at 5.99% or from elsewhere.

If you let us know your approximate location and details of what you're looking for we'd be happy to help you search out a good option for your next car :)

BTDretire

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Re: Car accident
« Reply #33 on: October 03, 2019, 03:01:29 PM »
After the hurricane the insurance company totaled my 1997 T-100, It had a dent from a 3/4" shelf the pushed just below the roof line behind the passenger side rear window and a couple of very small dimples in the hood. The paid me $3925 - $1000 deductible, or $2925.
Then I bought it back for $729. I didn't do any repair work on the truck. It will be 1 year a week from today.
 As my wife just told someone on the phone, if my husband gets the trim put up on the screened porch this week, we will be all done with hurricane repairs after 1 year.
 

NorthernBlitz

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Re: Car accident
« Reply #34 on: October 04, 2019, 03:50:22 AM »
Saw this post and thought of this recent Stacking Benjamins episode with an interview with a lawyer talking about what to do after a car crash (and the advice wasn't even always call you lawyer!)

https://www.stackingbenjamins.com/what-to-do-after-the-car-crash/

BTDretire

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Re: Car accident
« Reply #35 on: October 05, 2019, 03:26:12 PM »
Saw this post and thought of this recent Stacking Benjamins episode with an interview with a lawyer talking about what to do after a car crash (and the advice wasn't even always call you lawyer!)

https://www.stackingbenjamins.com/what-to-do-after-the-car-crash/
I'm listening to the attorney now, and they are laughing about a client that said the car in front of me was stopped and then went in reverse at a high rate of speed and hit me. The sad thing is I just watched a Youtube video of this exact thing. The person got out acting like there back was hurt and the other person had rear ended them. When the driver of the car that got backed into said I have it all on dash cam, suddenly the guys story changed and he couldn't leave fast enough. Luckily the damage was all on the at fault guys car.

NorthernBlitz

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Re: Car accident
« Reply #36 on: October 06, 2019, 05:28:20 AM »
Saw this post and thought of this recent Stacking Benjamins episode with an interview with a lawyer talking about what to do after a car crash (and the advice wasn't even always call you lawyer!)

https://www.stackingbenjamins.com/what-to-do-after-the-car-crash/
I'm listening to the attorney now, and they are laughing about a client that said the car in front of me was stopped and then went in reverse at a high rate of speed and hit me. The sad thing is I just watched a Youtube video of this exact thing. The person got out acting like there back was hurt and the other person had rear ended them. When the driver of the car that got backed into said I have it all on dash cam, suddenly the guys story changed and he couldn't leave fast enough. Luckily the damage was all on the at fault guys car.

That's terrifying.

That guy would have been screwed without the dash cam (unless there was a witness or something?).

 

Wow, a phone plan for fifteen bucks!