- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: Any Auto Insurance Gurus around (Accident Related)
Posted on 1/7/15 at 2:03 pm to Mung
Posted on 1/7/15 at 2:03 pm to Mung
quote:
Does he have collision insurance? If so, bring his carrier into play.
No, he has Liability and UM coverage, so his insurance not involved.
quote:
If not, go buy a new vehicle and be prepared to sue US Agencies over the PD.
He has an attorney, but attorney told adjuster to deal directly with friend on the PD portion. I get that he's not making any money off the PD claim, but damn, I think he should step in and help out on that portion now that the insurance company is threatening to deduct storage from the PD settlement. Friend is clueless on accident issues, and is just trying to get by until he gets PD check and can buy new car.
1
Posted on 1/7/15 at 2:05 pm to tigerfoot
Dad had a '80 Chevy Luv, Baby Blue, standard, no A/C but a radio, unlike some of his other trucks. That stick really hindered my heavy petting operations behind the high school. 
Posted on 1/7/15 at 2:07 pm to tigersaint26
quote:
Lawyer up!
See prior post. He has, but pussy lawyer not dealing with the PD portion, only wants to mess with the BI.
quote:
As for a rental, they are supposed to pay for a rental of the same approximate size of the vehicle you have now.
Yep, and they haven't because "they haven't been able to confirm the facts of the accident with their insured". He'll get this on the back end when he settles, though.
quote:
Also, be careful not to get replacement parts that are from a vehicle that was in a wreck before. I know for a fact that State Farm will not give you new parts to fix it. They want to use parts from a vehicle that was involved in a wreck. So if you need a rear bumper they will find the same vehicle type that was involved in a front collision and give you its rear bumper.
I saw the car after the accident. It's totaled. No way it's repairable for under what it was valued. Rear ended while he was stopped, other driver going approximately 45 MPH and never touched their brakes.
Posted on 1/7/15 at 2:09 pm to Festus
quote:
He has an attorney, but attorney told adjuster to deal directly with friend on the PD portion.
Yeah, attys don't like to work the PD unless they get a third, but many firms will do it as a courtesy for the BI claim. He may wind up having to sue them for bad faith failure to adjust the PD portion.
quote:
is just trying to get by until he gets PD check and can buy new car
May be waiting a long time. Best to just move on, get a new vehicle and use funds collected in he settlement to later reduce the loan. Doesn't sound like USAg is going to be reasonable.
Posted on 1/7/15 at 2:13 pm to Mung
Thanks Mung.
Yeah, no doubt they're going to end up paying the PD. Adjuster even seems to admit that. I'm just worried about them trying to throw the wrecker storage fees past 1/3 back on my buddy, and not knowing if there is a valid solution to it. I have no idea what they expect friend to do with the car sitting at wrecker yard. It's undriveable and totaled. Not his fault for accident, why does he have to move it? And where to?
ETA: Xxx, sorry for hijacking your thread, but seemed like a good one to get my question answered.
Yeah, no doubt they're going to end up paying the PD. Adjuster even seems to admit that. I'm just worried about them trying to throw the wrecker storage fees past 1/3 back on my buddy, and not knowing if there is a valid solution to it. I have no idea what they expect friend to do with the car sitting at wrecker yard. It's undriveable and totaled. Not his fault for accident, why does he have to move it? And where to?
ETA: Xxx, sorry for hijacking your thread, but seemed like a good one to get my question answered.
This post was edited on 1/7/15 at 2:19 pm
Posted on 1/7/15 at 2:50 pm to Festus
Vehicle owner has a duty to reduce further damages or costs. Part of that being moving the car from the storage yard, which will be at his cost unfortunately. Should USA accept liability, he should be paid for the car and the towing/storage costs incurred.
If he has collision coverage, Id file a collision claim, eat the deductible and wait to be reimbursed by USAgencies.
****not legal advice, just my opinion on what Id do.
Went thru a similar situation with MrsWafer when someone destroyed her car, then "couldn't remember" what happened in the accident. Despite a witness who clearly saw the entire chain of events. Still had to wait on the police report, so I asked our adjuster to handle our veh damages.
ETA I see he doesn't have collision. He can have his car moved to his house, again at his expense, and wait on USAgencies. He can either pay it up front and get reimbursed, or let his car sit and pay the difference from the day they will stop paying until it's moved.
If he has collision coverage, Id file a collision claim, eat the deductible and wait to be reimbursed by USAgencies.
****not legal advice, just my opinion on what Id do.
Went thru a similar situation with MrsWafer when someone destroyed her car, then "couldn't remember" what happened in the accident. Despite a witness who clearly saw the entire chain of events. Still had to wait on the police report, so I asked our adjuster to handle our veh damages.
ETA I see he doesn't have collision. He can have his car moved to his house, again at his expense, and wait on USAgencies. He can either pay it up front and get reimbursed, or let his car sit and pay the difference from the day they will stop paying until it's moved.
This post was edited on 1/7/15 at 2:57 pm
Page 4 of 4
Popular
Back to top
Follow TigerDroppings for LSU Football News