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Car Accident

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HaRuMaN:

--- Quote from: Peale on February 10, 2007, 09:56:59 pm ---
--- Quote from: ChadTower on February 10, 2007, 08:28:53 pm ---
They totaled out your car for THAT?

--- End quote ---

Yeah, is there frame damage we can't see?

--- End quote ---

Yeah, that wheel is actually broken (or at least, the axle is).  It was much more apparent at the scene of the accident.

DrewKaree:

--- Quote from: ChadTower on February 10, 2007, 08:28:53 pm ---
They totaled out your car for THAT?


--- End quote ---

Front-wheel drive car, likely major suspension damage as well as the axle he spoke of....the axle alone would cost a fair amount of money to replace (remember, they factor in the labor it'll take to replace it as well as the parts too), and you're also looking at body damage requiring probable painting, more than likely the fender and re-aligning the hood....they're just simply going to write him a check for the value, since their cost to replace and repair stuff will probably easily exceed that amount.

Also, not every insurance company will offer private-sale value.  My wife was in an accident that wasn't her fault and was lucky that thing worked out that she wasn't killed (concrete drainage tubes improperly secured on a semi that came off and totalled our van).  They offered us $1200 for our van.  That was the LOWEST figure possible for our van - as if it were a rust bucket that was ready to fall apart if someone sneezed on it.  It took 2+ years of fighting with them and the threat of taking them to court for the difference plus "pain and suffering" for them to cough up $5000.  I wonder if they'd have paid that amount quickly if the asshat had killed my wife :tool:

HaRuMaN:
Yeah, we were pleasantly suprised how the guy's insurance company treated us, overall.  They gave us a good value for the car, gave us a rental for a week (even though they had to be talked into that).  Once they had the title of the vehicle in their hands, they overnighted us the check.  The guy that hit us had Nationwide.

ChadTower:

In cases of dramatically obvious fault on their part, they usually do.  It's the easiest way to avoid getting sued because in order to CASH that check you have to sign a waiver of future claims against them.  If you have any interest in waiting to see how an injury develops before potentially suing them for more, don't cash that check.

HaRuMaN:

--- Quote from: ChadTower on February 15, 2007, 07:55:20 am ---
In cases of dramatically obvious fault on their part, they usually do.  It's the easiest way to avoid getting sued because in order to CASH that check you have to sign a waiver of future claims against them.  If you have any interest in waiting to see how an injury develops before potentially suing them for more, don't cash that check.

--- End quote ---

We signed no such waiver, nor is there any statement to that effect on the check.  We both were sore for a couple of days after the accident, but that's gone now.  I had had the bigger potential for injury I think since I hit my head on the door of the car.  I have no signs of a concussion, no headaches, both my pupils are normal, etc... so all in all I think we've had the best outcome of a potentially really bad situation.

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