Don't Forget Your Neck Brace!

birdman71

I wouldn't be able to help... I have 1-2-3-4-5-6 lol.. Never was good at math when they started sticking letters into the damn equations

I work for State Farm Insurance out in California and just..... wow..
Just FYI in the insurance industry, put it this way, If the front of your car hits any part of the back or sides of any other persons car, guaranteed your at least rated Principally At-Fault, if not At-Fault.

Oh sweet irony. I think its cause us drivers with the sports cars actually pay for the nicer car and pay the real money for something and also understand the fact that this machine has some real power and torque under those back two wheels. All those ricers you see racing around in Hondas, Subarus, Scions, etc... all have to feel they need to go fast and blare that fart horn they call an exhaust system. Not only that I have a theory on the behavior psychology of those people racing in the ricers. Maybe the feel they need to take off fast and race around against regular cars all the time cause they know if I pulled up that it would a completely different look on their face. (not stating that I street race, actually the complete opposite, Ill sit there and laugh at the person, and if they really want to race and they are talking, I'll have them follow me to a track. They usually end up turning eventually on the way there... )

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Fuzzzy

Here's a sign of the times:
I had my annual physical exam this morning. I've previously had a few docs ask me if I wear my seat belt. Routine. The one today not only asked that but if I text or use Facebook while driving.

Dant, sorry for your experience. But glad it wasn't worse.

HulaGirl

Could have been worse. Doc now might ask if you're a gun owner these days.

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Fuzzzy

LOL!

Not around here--it's a given. A local sheriff recently tried to buy an armored vehicle from military surplus because "every resident has at least a shotgun and a hunting rifle." If you don't have at least a closet-full of guns, you're considered a commie pacifist and to be at an extreme disadvantage

JARblue

FUCK!

Sorry to hear man. Hope you are made whole again

I would definitely get compensation for additional injuries


In Texas, make sure you have uninsured motorists coverage, too.

I've got nothing compared to that, but I did have a lady rear end me at full speed as I was turning right into a parking lot (with my blinker!). I had been in front of her for well over a mile, and she pretty much took the rear hatch off my Ford Explorer Sport as she spun me 360 with her 90s Buick Regal. The whole incident was witnessed by a police officer sitting in that very parking lot, no less. She did not speak English and had no ID or driver's license or insurance, yet she insisted that I was at fault

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dant1127

I definitely keep uninsured, and I've always had comprehensive just to be safe. What I did learn, though, is that I've been guilty of sticking with the default coverage dollar amounts. I've been a bit naive with insurance over the years, and since I don't cause wrecks and I've never had a nice car it didn't matter. But, this woman's insurance is paying more to fix my Z than my last 4 cars put together cost... made me look into things a bit deeper.

Now that we have a 370Z and a new Maxima, I looked over my policy and realized just how crappy default coverage amounts are here in TX. Basically, if one of us were at fault, and we hit a nice car, we would have been liable for thousands. 30K property damage doesn't stretch far if 2 cars that cost over 40k collide ....

If any of you out there haven't picked through your policy, I would take the time. It could save you some major money if you're ever at fault, or if you're hit by an uninsured/under insured motorist. Full Coverage may sound safe and cozy, but it isn't as Comprehensive as it sounds. Hah! SWIDT?!

birdman71

What do you mean your agent is telling you to expect nothing? Certainly not how I would do things. In a time like this yeah expect the worse (which is nothing) but also look at the best parts of this so you don't make it seem only bad. Just my prerogative. Always like to please my clients.

As for coverage, mind you I am a 21 year old male that is self-supporting in all ways and living in my own apartment with no assets besides this car and my job working at State farm; I still hold the coverage limits of:

$50,000 up to $100,000 for Bodily Injury
$100,000 for Property Damage
$5,000 per person in Medical Payments
$500 Collision Coverage Deductible (Car on car/object collision)
$0 Comprehensive Coverage Deductible (for theft, vandalism, key marks, tree branch falls on car etc.)
Emergency Roadside Service
Rental Car Coverage $50 per day up to $1,200.00 MAX per claim.

Like I said before I work for State Farm Insurance, So I make sure that my coverage covers me. I have always said base your coverage off your assets. If you have a Home that costs $900,000 and two cars adding up to another say $75,000, I would have not only have my Auto Insurance set a up like this:

$250,000 up to $500,000 for Bodily Injury
$100,000 for Property Damage
$5,000 per person in Medical Payments
$500 Collision Coverage Deductible
$0 Comprehensive Coverage Deductible
Emergency Roadside Service
Rental Car Coverage $50 per day up to $1,200.00 MAX per claim.

With Adequate Homeowners Coverage with Personal Liability limits of $100,000 and then on top of all that a Personal Liability Umbrella Policy which starts at $1M and goes up from there increasing by $1M. I would get the $1M Umbrella Policy so I have personal liability limits of $1M over both cars coverage and the home's coverage at that point. So anything you are personally liable for can be claimed through your personal liability.

Just my

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mishuko

i find that there are too many distractions in cars these days. the touch screens, tuoch pads, info touch lcd panels. i swear all these nav techs in cars are more distracting than using your phone to make a call.

yet the auto industry is pushing these technologies and regulators turn a blind eye. oops!


get well soon and i hope that woman gets written up for attempted insurance fraud and then the charged for reckless use of a vehicle causing bodily harm and an attempted murder charge. oh might as well throw in a trespassing charge too.

jaedub

Look at the bright side OP. At least you're not seriously injured. Could've been a lot worse. I'm glad you and your friend is okay. And if you think you need more justice,you can away file a suit against her.

dant1127

Yeah, our B pillars are pretty tough. There wasn't any frame/structure/suspension damage besides the door, but that's an easy replacement. I was surprised. I figured with all the aluminum and crumple zones nowadays, an SUV bumper would have done more damage. Fortunately we have like 20 airbags. The inflation punch may hurt, but I'll take that over the alternative any day.

I'm not worried about the crazy one. Besides the car wreck, she didn't interfere with my life. People like that set themselves up for their comeuppance, I just hope she doesn't actually hurt someone in the process.

birdman71

Which is why CA made calling or texting illegal to do while driving,(plus revenue lol). Of course that's a lot like the issue with Gun Control right now.. Lets take away their privilege/ability to do something, but wait the people who do not care about the law will still do what they want regardless.

Driving is dangerous..

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VABAM

Sorry to hear about your accident.

Get better soon!


Don't forget about filing a loss of value claim.

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dant1127

I plan on it, but my insurance agent has set me up to expect nothing. Apparently TX isn't as strict on this as other states... once I get the car, I plan on having a few dealers give me a trade value that I can fax in with the book values. The wreck was on my Carfax before I was even back to work

VABAM

Good luck!

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Johnny6.1

Yea I just bought a house myself birdman and I have a 250/500 policy with an additional mil in an umbrella policy. Insurance is no joke! Can never have too much.

Dantz can't believe ur agent said that. Like others said, may be time to involve attorneys