Auto insurance - car accident advice
- Thread starter salennon07
- Start date
T boned was excessive terminology from me as it was the easiest way to explain the accident. My mom realized the girl was running the red light and slammed on breaks. They fd up the front / bumper.. Still drivable.
So, no insurance, lying to the police/falsifying a police report. Probably a dumb question but, is there a reason this person isn’t in jail?
Insurance companies have recently realized the cost of a used car went up.... claims are up, too. Don't be shocked when your open your renewal next time and see a decent jump in your rates. It's coming for all of us, regardless of state we live in.
You can pick out some of the folks that don’t have insurance as they seem to duct tape, zip tie, tarp strap, paint, put cardboard on or just plain drive around with parts hanging off their cars.
I’m amazed about how many people that drive around with no insurance or even worse yet driving on a suspended license.
I’m amazed about how many people that drive around with no insurance or even worse yet driving on a suspended license.
I’ve heard these type of statements before. Told that an act of God does not raise your premium, but hey 2 in 3 years……yeah then we do it. At least farm bureau does.
Let your moms insurance company handle it all. Either the other person will pay or her insurance will pay and sue the other party.
I heard though that used car prices are going down. Google Carvana and used prices. Insurance will find any reason to raise insurance rates every year. In 17 years of paying car and home insurance never once did it go down always up.
I have only had 2 accidents in the last 20 years. Both uninsured. Filed claim with my agent, they paid for everything above my deductible. I had uninsured coverage. They then went after the other person for payment. Other persons fault both times.
That's likely because they raised overall rates for everyone, not because you got put in the bucket for having filed the claim.
YEP. this is what i had to do when my car was hit by a 800 car insurance user. my insurance took care of it and went after them.
No, I called and the agent checked on the raise for the large jump in my insurance. They answer the agent got from the big boys was, I had two acts of God. Two claims of them raise your rates, not one.
Ok this is somewhat true. What they take off is an accident free discount in a lot of states. So technically you are not being charged for an accident, u are just losing a discount. Insurance industry is brutal with this type of nonsense
It’s this. I was t-boned by one who ran a stop sign. Put my van up on two wheels. he was underinsured. Total payout was $80k ($25k medical, $8k vehicle, rest P&S). It took nearly two years to get that money. My insurance tried to settle for $50k total thinking my debt to the medical was a burden. Once they learned I paid in cash they started to ease up. FWIW, within two years you must file a lawsuit, otherwise nothing (accident was in Iowa).
Track every mile for rehab.. every copay, log every pain, every discomfort. Log how she felt immediately after the accident… the burden of dr visits. And… this is a biggie, don’t share her entire medical file with her insurance… only share what came from the accident. They will use that information against you.
That's definitely a part of it, too. I worked in the actuarial/pricing department for a national carrier, they're always taking rate every 6 or 12 months to keep up with (or I guess stay ahead of) losses.
Oh right... dash cams. Every car we own. So far two rolled stop signs and three no seat belt violations saved with a dash cam (ISU plates in Coralville).
