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This topic comprises 6 pages: 1 2 3 4 5 6
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Topic: My First Car Accident
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Martin Brooks
Jedi Master Film Handler
Posts: 900
From: Forest Hills, NY, USA
Registered: May 2002
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posted 12-25-2007 07:49 PM
Just got to reading this...it's great that you're okay. Glad the insurance worked out. I'm not at all surprised that the insurance company totaled the car, although insurance companies seem to have reversed themselves on this over the years:
Many years ago, a woman in front of me made an illegal u-turn. I slowed down in time and didn't hit her and the person in back of me slowed down in time and didn't hit me, but the person behind her hit her hard pushing her car into mine and it completely bent my car frame. I expected the insurance company to total the car, but they didn't. They had the repair shop attach a new rear (from the top of the windshield back) to my front. I got a sun roof out of the deal that I didn't have before and everything was fine, but over the years, the rear of the car rusted (they must have used cheap non-factory paint on the rear) before the front.
On the other hand, my daughter had the seats stolen out of her Integra. Replacement seats, even though they were not heated or motorized, cost $5K (even though the entire car only cost about $14K new) and the insurance company insisted upon totaling the car even though I found seats on some online parts site for $1K. The insurance company said they had no way of knowing if those seats met spec or if they were stolen or not. This made no sense to me even from the insurance company's perspective, but they didn't give me a choice.
Anyways...it's great that you're okay and in spite of the fact that the people in the other car were idiots, it's great that they're okay as well.
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Monte L Fullmer
Film God
Posts: 8367
From: Nampa, Idaho, USA
Registered: Nov 2004
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posted 12-26-2007 12:24 AM
The wrecked vehicle still belongs to the owner and it's a decision what what the owner wants to do with it. I've seen totals that the owner will still gladly have replaired to new.
One in case where one of our employees was doing cookies in the parking lot, lost control and slammed into the curb sideways. This busted up the entire undercarriage-both front and rear on the passenger's side. Ins. company wanted to total the vehicle out, but the kid told the ins. company to go ahead and repair.. which turned out thousands of dollars more than what the car was worth.
If the owner and the ins. company decides to call it a total and just wants out of it, then the ins. company will render the tradein value to the owner for payment of the totalled vehicle to get the title free, and the vehicle is taken to a special holding auction yard, to be placed on auction for the wrecking yards to bid upon.
Yes, Joe-glad you came out great with this. My last accident was an intersection broadside by a car who decided to come out the same time I was coming out and that bumper of that LTD came through my driver's window, spraying glass all over me and pushing me downward as the door was buckling in. Luckilly, the girl who was driving such a monstrosity of a vehicle for her size, realized that she was broadsiding someone and stopped before I was sandwiched between the door and my carseat. I got cut up pretty bad from the spraying glass and scaring my passenger pretty bad as well. With that slow accident, my car was totalled since, with the door being crushed in, it pulled the floor upwards, tweaking the entire unibody out of square.
Funny though, I didn't panic on this - just watching that bumper coming up and through my window ... until an hour afterwards that I fell into shock of the realization of that accident. Found out that she had 4 kids in that car with her and she was fighting them, thus not paying attention to her driving.
We were at a 4 way stop and I had the right a way since I was to her right.
(Can you imagine if a SUV or an ego busting jacked up truck did that to me ..? I then wouldn't be here telling you these things.
Luckilly, $UV$ and ego trucks weren't invented then...trucks were what farmers used and used as what they were designed for
..not as toy$...)
But, my first accident was when I hit a horse late at night coming home from the Drive-In that I was working at. Thing darted out from the side of the road and I hit him in the hind quarters. This spun me into the barrow pit, but luckilly not rolling over. Crushed the front end, but was still repairable and that farmer paid for the damages along with the large citation that he got from his horse getting out onto a public highway.
-Monte
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