Anonymous wrote:

Anonymous wrote:We bought a 2021 Subaru on Friday that had been a loaner at a dealership, so low mileage, etc. I was driving my daughter to an activity yesterday morning and a motorcycle t-boned us at a four way stop. Motorcycle was stolen (confirmed by police) and driver left the scene. My daughter and I are fine.

I haven’t been in a situation remotely like this before. Passenger airbags went off and there’s a big dent in the door. I’m having a hard time understanding when a vehicle would be totaled. If they do repair it, are we compensated for the fact that this non-accident car now has an accident? How do I push for the most compensation we can get? Do I just trust the amount the insurance person gives us?

Any thoughts you have would be helpful.

The “non accident car now having an accident” is irrelevant. Doesn’t matter how new the car purchase is. You will receive what is needed for repairs and any injury. That’s it. Basically it doesn’t matter at all that the car is new. They’d pay what’s required for fixing.

Anonymous wrote:

Anonymous wrote:We bought a 2021 Subaru on Friday that had been a loaner at a dealership, so low mileage, etc. I was driving my daughter to an activity yesterday morning and a motorcycle t-boned us at a four way stop. Motorcycle was stolen (confirmed by police) and driver left the scene. My daughter and I are fine.

I haven’t been in a situation remotely like this before. Passenger airbags went off and there’s a big dent in the door. I’m having a hard time understanding when a vehicle would be totaled. If they do repair it, are we compensated for the fact that this non-accident car now has an accident? How do I push for the most compensation we can get? Do I just trust the amount the insurance person gives us?

Any thoughts you have would be helpful.

The “non accident car now having an accident” is irrelevant. Doesn’t matter how new the car purchase is. You will receive what is needed for repairs and any injury. That’s it. Basically it doesn’t matter at all that the car is new. They’d pay what’s required for fixing.

Anonymous wrote:So you were driving around uninsured? That’s illegal. Why didn’t you contact your insurance agent from the dealership like most people do. Never, ever drive an uninsured car. Good luck affording another one.

Anonymous wrote:

Anonymous wrote:Welcome to the defund the police movement, enjoy the crime

Happened to me 25 years ago, troll.

Anonymous wrote:Welcome to the defund the police movement, enjoy the crime

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:did you call your agent friday to add car to your policy?

We didn’t (totally didn’t think of it!) but geico has a 30 day grace period, so we should be good. Obvs will remember to do that at the dealership for any subsequent cars. Geico let us add the car right after the accident but it’s taking a little more time because they have to verify the sequence of events.

Not just Geico... you have 30 days to add your car.

Really? When I bought my car a couple years ago I had to show proof of insurance on the new car before they let me drive off the lot.

Yea, you need to show proof of insurance (i.e., you have one) but not on the new car. When I picked up my new car yesterday, I just had to prove that I have insurance. i was told to call and add within 30 days.

OP here: this is what happened- we showed our car insurance card but honestly I didn’t make the connection or needing to call. I’m very thankful there is a grace period, but do with the car dealership had reminded us (not that it’s their responsibility, but a friendly heads up). And for those asking what I want, I was just trying to figure this out. Two days ago we had a car with no accident on it and that was one of the selling points of the car we traded in. I just wasn’t sure if that was incorporated into the costs.

I don't know why you think "no accident on it" is so important. It's not. Your car is damaged and someone (their insurance or Geico) will give you money to fix. Chances are you won't like it and you may feel it should be more. Everyone who was involved in an accident feels the same.

It completely matters for resale. ..

Anonymous wrote:

Anonymous wrote:We bought a 2021 Subaru on Friday that had been a loaner at a dealership, so low mileage, etc. I was driving my daughter to an activity yesterday morning and a motorcycle t-boned us at a four way stop. Motorcycle was stolen (confirmed by police) and driver left the scene. My daughter and I are fine.

I haven’t been in a situation remotely like this before. Passenger airbags went off and there’s a big dent in the door. I’m having a hard time understanding when a vehicle would be totaled. If they do repair it, are we compensated for the fact that this non-accident car now has an accident? How do I push for the most compensation we can get? Do I just trust the amount the insurance person gives us?

Any thoughts you have would be helpful.

The “non accident car now having an accident” is irrelevant. Doesn’t matter how new the car purchase is. You will receive what is needed for repairs and any injury. That’s it. Basically it doesn’t matter at all that the car is new. They’d pay what’s required for fixing.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:did you call your agent friday to add car to your policy?

We didn’t (totally didn’t think of it!) but geico has a 30 day grace period, so we should be good. Obvs will remember to do that at the dealership for any subsequent cars. Geico let us add the car right after the accident but it’s taking a little more time because they have to verify the sequence of events.

Not just Geico... you have 30 days to add your car.

Really? When I bought my car a couple years ago I had to show proof of insurance on the new car before they let me drive off the lot.

Yea, you need to show proof of insurance (i.e., you have one) but not on the new car. When I picked up my new car yesterday, I just had to prove that I have insurance. i was told to call and add within 30 days.

OP here: this is what happened- we showed our car insurance card but honestly I didn’t make the connection or needing to call. I’m very thankful there is a grace period, but do with the car dealership had reminded us (not that it’s their responsibility, but a friendly heads up). And for those asking what I want, I was just trying to figure this out. Two days ago we had a car with no accident on it and that was one of the selling points of the car we traded in. I just wasn’t sure if that was incorporated into the costs.

I don't know why you think "no accident on it" is so important. It's not. Your car is damaged and someone (their insurance or Geico) will give you money to fix. Chances are you won't like it and you may feel it should be more. Everyone who was involved in an accident feels the same.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:did you call your agent friday to add car to your policy?

We didn’t (totally didn’t think of it!) but geico has a 30 day grace period, so we should be good. Obvs will remember to do that at the dealership for any subsequent cars. Geico let us add the car right after the accident but it’s taking a little more time because they have to verify the sequence of events.

Not just Geico... you have 30 days to add your car.

Really? When I bought my car a couple years ago I had to show proof of insurance on the new car before they let me drive off the lot.

Yea, you need to show proof of insurance (i.e., you have one) but not on the new car. When I picked up my new car yesterday, I just had to prove that I have insurance. i was told to call and add within 30 days.

OP here: this is what happened- we showed our car insurance card but honestly I didn’t make the connection or needing to call. I’m very thankful there is a grace period, but do with the car dealership had reminded us (not that it’s their responsibility, but a friendly heads up). And for those asking what I want, I was just trying to figure this out. Two days ago we had a car with no accident on it and that was one of the selling points of the car we traded in. I just wasn’t sure if that was incorporated into the costs.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:did you call your agent friday to add car to your policy?

We didn’t (totally didn’t think of it!) but geico has a 30 day grace period, so we should be good. Obvs will remember to do that at the dealership for any subsequent cars. Geico let us add the car right after the accident but it’s taking a little more time because they have to verify the sequence of events.

Not just Geico... you have 30 days to add your car.

Really? When I bought my car a couple years ago I had to show proof of insurance on the new car before they let me drive off the lot.

Yea, you need to show proof of insurance (i.e., you have one) but not on the new car. When I picked up my new car yesterday, I just had to prove that I have insurance. i was told to call and add within 30 days.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:did you call your agent friday to add car to your policy?

We didn’t (totally didn’t think of it!) but geico has a 30 day grace period, so we should be good. Obvs will remember to do that at the dealership for any subsequent cars. Geico let us add the car right after the accident but it’s taking a little more time because they have to verify the sequence of events.

Not just Geico... you have 30 days to add your car.

Really? When I bought my car a couple years ago I had to show proof of insurance on the new car before they let me drive off the lot.