PDA

View Full Version : Got hit by noob driver, what should I expect?



svarasnj
06-24-2009, 08:59 PM
So today I decided to go to post office after work since I had some packages to ship.
It was raining and I was doing about 25-30 m/h. Of course I had my stereo on and I was enjoying my trip. All of a sudden I see this corrolla loosing control and heading towards me. Holy ****. Next thing I know. BOOM. Then her car bounces back from my passenger door and hits another car parked on the side. I tried to get out of the vehicle but couldn't. Had to use passenger doors. I had my stupid airbag light on so airbags did not deploy. That corolla was destroyed pretty bad. Both airbags exploded and driver was bleeding .
The funny part is like 20 mins before the accident I went to autozone and bought some meguiars wax, dashboard cleaner and microfiber towels to clean my car.
I really loved this car and took a good care of it.

What do you guys think. Can I call it a total loss and get a full refund? or how thats going to work now. If it is not a total loss than I'll take the money and will take it apart.

http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_145.jpg
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_144.jpg
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_146.jpg
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_147.jpg
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_148.jpg
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_149.jpg
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_150.jpg
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_151.jpg
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_152.jpg

svarasnj
06-24-2009, 08:59 PM
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_153.jpg
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_155.jpg
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_156.jpg
Finally I found some time to show my system :) ironic
http://i184.photobucket.com/albums/x91/svarasnj/DSC_0020.jpg
http://i184.photobucket.com/albums/x91/svarasnj/DSC_0019.jpg
Cleaning stuff for future :)
http://i184.photobucket.com/albums/x91/svarasnj/IMAGE_158.jpg

svarasnj
06-24-2009, 09:01 PM
bleeding from hand. other than that I thinks she was in shock like me.

fasfocus00
06-24-2009, 09:02 PM
depending on the person you are, you could be driving a new '09 GTI in a few months.

jpexpc
06-24-2009, 09:02 PM
They'll cut you a check to fix it.

groundpound4200
06-24-2009, 09:02 PM
i doubt they will total that.... looks like an easy fix to me. A fender, rim, a little work on the hood and a door skin should fix it right up.

docutech
06-24-2009, 09:02 PM
That will buff right out. Meguiars makes some great car care stuff :cool:

Ryan1126
06-24-2009, 09:03 PM
that blows but it doesnt seem that bad?

jpexpc
06-24-2009, 09:03 PM
By the way, when you say if it's a total loss you'll take it apart; what do you mean? You realize if it's a total loss you lose the car, right?

svarasnj
06-24-2009, 09:03 PM
depending on the person you are, you could be driving a new '09 GTI in a few months.

tell me how. i think i can turn into that person :D

svarasnj
06-24-2009, 09:04 PM
By the way, when you say if it's a total loss you'll take it apart; what do you mean? You realize if it's a total loss you lose the car, right?

yeah, if its a total loss I loose it, but if they cut me a check I'm not fixing it.

groundpound4200
06-24-2009, 09:05 PM
yeah, if its a total loss I loose it, but if they cut me a check I'm not fixing it.

why the **** not?

svarasnj
06-24-2009, 09:07 PM
why the **** not?

i'll see what they come up with. Its too early to discuss.

jdawg
06-24-2009, 09:07 PM
the check will be cut not really to you but to the place that is fixing it, or atleast its supposed to be, unless they total it, its not really up to you

svarasnj
06-24-2009, 09:14 PM
the check will be cut not really to you but to the place that is fixing it, or atleast its supposed to be, unless they total it, its not really up to you

Why they will cut a check to collision place if I'm not going to fix it. I have a choice, either I take a check and fix it myself or their shop fixes it and gets a check.

Einzee
06-24-2009, 09:17 PM
They will total it if the cost of repair is above the value of the car. You do not always lose a totaled car. There is a way to buy it back from the ins co. You can then repair the vehicle and after some inspections (brake and light is one of them) you may reapply for registration. Then your registration/title will have a description "Salvaged" or something similar.

jdawg
06-24-2009, 09:17 PM
the check is supposed to be for you fixing it, not for do whatever you want, thats how it works around here anyways

roarzorz
06-24-2009, 09:26 PM
Don't let any insurance company screw you. The check is compensation for damages and you can do with it as you please. You are also entitled to "loss of use" compensation as well. They will either pay for you to have a rental car to replace yours while it's in the shop or you can choose to just take the money as compensation. They don't like to tell people that stuff. If they don't bring it up make sure to ask them about it yourself.

svarasnj
06-24-2009, 09:27 PM
yeah I knew about the check. It's either for me or for a collision shop. I didn't know about loss of use compensation. thanks

douglas.leejr
06-24-2009, 09:32 PM
You have an AEM license plate, serves you right, wannabe ricer.

Einzee
06-24-2009, 09:49 PM
You have an AEM license plate, serves you right, wannabe ricer.

Its amazing how ppl spot the smallest details. haha I just noticed that gas in your area is about 40cents cheaper!!!

svarasnj
06-24-2009, 10:05 PM
Its amazing how ppl spot the smallest details. haha

yeah and to make some stupid comments which has nothing to do with a current situation. That plate holder came with a car when I bought it 4 years ago.

jpexpc
06-24-2009, 10:11 PM
yeah and to make some stupid comments which has nothing to do with a current situation. That plate holder came with a car when I bought it 4 years ago.

Get butt-hurt much?

douglas.leejr
06-24-2009, 10:23 PM
yeah and to make some stupid comments which has nothing to do with a current situation. That plate holder came with a car when I bought it 4 years ago.

So take it off, is it really hard to take out 2 screws and avoid looking like a retard?

Johnny Law.Lulz
06-24-2009, 10:30 PM
By the way, when you say if it's a total loss you'll take it apart; what do you mean? You realize if it's a total loss you lose the car, right?

Not exactly true. You can buy your car back from the insurance people if totaled. Thats how a lot of used car lots get their cars. They buy totaled cars and re-do it.

99grandprixGT
06-24-2009, 10:30 PM
if they cut you a check, get a door and fender from junk yard and pocket the rest.

svarasnj
06-24-2009, 10:42 PM
if they cut you a check, get a door and fender from junk yard and pocket the rest.
if it works out that way would be great

TNTR70
06-24-2009, 10:44 PM
what.....no pic of the chick that hit you?.....fail

Annnarbor84
06-24-2009, 10:49 PM
By the way, when you say if it's a total loss you'll take it apart; what do you mean? You realize if it's a total loss you lose the car, right?

They usually give you the option to buy it back from them very cheap. I got a guy at work whose car has been totaled 3 times, he just keeps buying it back, and has plenty of money left over.

Einzee
06-25-2009, 04:42 AM
yeah and to make some stupid comments which has nothing to do with a current situation. That plate holder came with a car when I bought it 4 years ago.

If your attention span can hold up to the challenge.... look at post #17. I said my peace there and did a major contribution to this thread. Why dont you flame the guy that I was quoting? That particular post had nothing to offer other than 1 more post to a potential post wh0re.

svarasnj
06-25-2009, 09:27 AM
If your attention span can hold up to the challenge.... look at post #17. I said my peace there and did a major contribution to this thread. Why dont you flame the guy that I was quoting? That particular post had nothing to offer other than 1 more post to a potential post wh0re.

wait a minute. I'm not flaming you. I agreed with you about how people notice smallest crap and made a comment about that other dude who made that nonsense comment about my plate holder. Sorry about misunderstanding

mike11202
06-25-2009, 09:38 AM
they might total it due to the spot the driver hit you in.. replacing the parts and re-paint/blending is going to cost a decent amount

i got slightly rear ended and you can barely see the dent at all but i got $600 and pocketed it

tdg
06-25-2009, 12:09 PM
Could well be totaled depending on book value to the insurance company. My wife got hit last week in her '03 Bonneville, just a fender, bumper, hood and headlight assembly... bill was $4,400. This was a hit into the side of the bumper, just missing the wheel which would have escalated the bill. If the damage is ~80% or so of book value they'll usually just total it.

mazzasec
06-25-2009, 12:11 PM
I didnt read the original post but expect a bj or money

svarasnj
06-25-2009, 06:42 PM
This morning my insurance agent called. Spend good 30mins on the phone answering questions, etc. Then we agreed that she will contact rental place and set up an appointment for the car. After lunch some dude from rental places calls asking what time I can be there. I was like I thought you people will come and pick me up. He was like ok and we agree he'll be at my work at 3.30. So 3.30 came, 3.45 , 4.00 this dumba$$ never came. Then I as like F. it and went to bus station. Hear phone ringing on the bus. Guess who was that? That idiot was asking which building I'm in. I laughed at him and wished a nice day. Will ltalk to his manager tomorrow.

crash9201
06-25-2009, 07:14 PM
if they cut you a check why not just use the money to fix YOUR car. you said you loved that car why would you want a diff. one

ShiningBuick
06-26-2009, 12:16 AM
It's NOT going to be as simple as a replacement fender and door.

Obviously those will be replaced, but look at the wheel, doesn't look right. Probably got bend control arm, tie rod.. perhaps damage to the rack from the shock, or damaged front subframe... It will certainly need to be inspected fully and put on an alignment rack to diagnose what issues with the front will need to be fixed.

If I were you I'd hope it's just the control arm or something simple like that bent... at worst the unibody could be tweaked.. might be able to be pulled into shape.. never know. Frame damage is bad news, and is a distinct possibility in most collisions of any force.

Einzee
06-26-2009, 12:24 AM
wait a minute. I'm not flaming you. I agreed with you about how people notice smallest crap and made a comment about that other dude who made that nonsense comment about my plate holder. Sorry about misunderstanding

It's all good. That's why I sometimes hate this typing crap. It becomes difficult to figure out who is flaming who.

Good luck with your options on your car. I was thinking why not just gut the car and make it a SPL monster? :D

svarasnj
06-26-2009, 08:55 AM
So as per insurance agent I deal with, rep should be on the scene within a day or to inspect it and I'll let you guys know how that goes.

svarasnj
06-26-2009, 07:11 PM
Updates on the accident: Spoke with my case rep and she was like ok, I'm pretty much finished with you. Now you have to wait for a call from total loss rep and talk to her about everything from now on. So looks like this 30mph small pos toyota totaled my gti .

Anyway what should I do with my system now. Its on my policy valued for 1K. Should I just leave it in there and collect a payment or go there before that **** is gone and take everything what I can?? Or collect payment, get all my **** and call it a day?

TurdFergueson2
06-26-2009, 07:23 PM
Updates on the accident: Spoke with my case rep and she was like ok, I'm pretty much finished with you. Now you have to wait for a call from total loss rep and talk to her about everything from now on. So looks like this 30mph small pos toyota totaled my gti .

Anyway what should I do with my system now. Its on my policy valued for 1K. Should I just leave it in there and collect a payment or go there before that **** is gone and take everything what I can?? Or collect payment, get all my **** and call it a day?

If you didn't name the equipment on the poolicy, throw some XPlod **** in there and take that out.

sue bee
06-26-2009, 07:34 PM
If you didn't name the equipment on the poolicy, throw some XPlod **** in there and take that out.

And make sure you send a stipend to this dude. Good thinking. :greedy:

wgsj_fortvalley
06-28-2009, 12:54 AM
id be trying to get my system out if i were u

LazyRider
06-28-2009, 01:21 AM
If you didn't name the equipment on the poolicy, throw some XPlod **** in there and take that out.

:laugh:

svarasnj
06-28-2009, 08:20 AM
id be trying to get my system out if i were u

I'll have to find out with my insurance rep. It's on my policy under "special equipment /customization " section for 1K. No brands and it doesn’t even say how many amps I have in there. If they agree to pay me 1K than I’m going to drop some xplod **** in there (thanks TurdFergueson2) and take all the good stuff out.
If they are not going to pay me , than of course I’ll be first thing in the morning to rip everything out anyway. I'm pretty sure they don't really care anyway.
Will let you know how that goes.

BTW: Picked the police report on Friday and that bish who hit me has neither ****** insurance nor drivers license.
They not better even mention that I’ll have to pay deductibles and all that other BS fees.

tr10av
06-28-2009, 08:31 AM
**** no insurance or dl. Thats bad. Maybe you could escalate this to a lawsuit since the person had no legal right to be on the road and was there anyway.

svarasnj
06-28-2009, 09:08 AM
**** no insurance or dl. Thats bad. Maybe you could escalate this to a lawsuit since the person had no legal right to be on the road and was there anyway.

I hope I don't have to do this

svarasnj
06-29-2009, 03:31 PM
Final news: as per case rep the car is totaled. It would cost them 6800 to fix it and the value of that car was 9600. Since that dumba$$ BF had no insurance, they will cut me a check minus deductible. And since I had that uninsured motorist coverage , at least 3/4 of deductible should be recovered. For another 1/4 I'll go to small claims court.
Today after work will go to towing place to get all my stereo stuff since they did not pay for it.

jpexpc
06-29-2009, 04:10 PM
I hope it's all still there. What are they wanting to buy the car back? If they totaled it they probably won't ask but $700-$1000. That's what you should be asking yourself.