Alex,
Ryan is 100% right here. Just over a year ago, I had the mis-fortune
of broadsiding a lady in a Berreta with my Ford Probe. Thankfully, it was
her fault. She didn't give yield on her left turn (she had green light, not
green arrow, I was coming straight from the other way, went right into her
side). I saw her cutting across, so I started to brake a little, but she
still had time to make it across. She sees me, panics, slams on her brakes
and stops right in my path! Now, I'm doing 45mph (speed limit!! wooho), and
slam on my brakes. She realizes I can't stop in time, and just as I nudge
into her side, she tries to move to get out of the way. So instead of just
having a small dent in her side, she drug my bumper on the underside of her
passenger door back to her rear tire wheel. So she had a streak of dents
and tore up paint down the right underside of her car? me? well, I had a
few paint strips come off, very little. But my front bumper got pushed into
my right quarter-panel, making the tire well buckle. Police come, she gets
a ticket for failure to yield. 2 days later, my car is in the shop for 3
days, her insurance covering it completely, plus they covered a rental for
that time. My insurance rate didn't change, actually went down the next 6
months. All I had to do for the accident was call my insurance company,
gave them her insurance info, and the rest was history. Was quite easy.
The total cost on my Probe was about $1000 (replaced front bumper and fixed
right-front quarter-panel), not that I cared a whole lot seeing NOTHING was
coming out of my pocket. The deductable is there in case YOU cause an
accident. If your deductable is $500, then you'll have to pay $500 of the
damage you caused, then you're insurance covers the rest (although your
rates would go up).. But that is not the case, you didn't cause the
accident, THEIR insurance should cover 100% of the damage. If they are
uninsured, then your insurance company will pay for the damages (not sure if
you have to pay deductable), and THEY will sue the driver. All you will
have to do is testify as a witness I think, insurance company will take care
of all of the court preceedings. About the only time I can think of when it
is actually good to have insurance :)
Ken Allgood
97 cc slt 5.2L
>Date: Sat, 12 Aug 2000 12:17:42 -0400
>From: "Ryan Stewart" <firebird@kymtnnet.org>
>Subject: DML: Re: My brand new Dak got crunched.
>Hey Alex,
>This really sucks. I've never had experience with a collision, but one
thing
>I KNOW is you rinsurance shouldn't be paying to have your truck fixed! You
>had ZERO fault in the accident, therefore, their insurance should pay for
>your truck. And if they don't have insurance (wouldn't be surprised), sue
>them, you should be able to get your money EASY with ANY lawyer in your
>town! Open and shut case as they would say. I know it seems easier just to
>have your insurance company pay for it, but and anyone correct me if I'm
>wrong, either this will affect YOUR insurance rates, or if you have a
future
>accident it will compound how much they raise your cost. Make those idiots
>pay! If it means selling both of their vehicles and them both taking loans,
>so be it! Make em pay for their stupidity and then arrogance to run!
>
>
>- -Ryan
>99 DA RC R/T
>Soon to be bottlefed
>
>
>
>- ----- Original Message -----
>From: "Alex Harris" <aharris@signcast.com>
>To: "DML" <dakota-truck@buffnet.net>
>Sent: Saturday, August 12, 2000 12:53 PM
>Subject: DML: My brand new Dak got crunched.
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