Anonymous
Post 01/22/2017 19:39     Subject: DH stopped for a pedestrian and got rear-ended

Lesson to OP:

Don't over leverage your car loan and make sure you have an emergency fund. In other words, make sure you are never at a point where you would be underwater on your car if it got totaled. Chances are an accident where you have a totaled car situation will only happen once or twice in your life anyway. The rest of the time drive your car for as long as you can before buying again.

And, of course, look for the kind of insurance that works best for you. That might mean you pay a lot for insurance. Most people prefer to self insure at a certain level. That's how we roll (high deductible and we stop the collision when the cars get old and take our chances).
Anonymous
Post 01/22/2017 18:11     Subject: Re:DH stopped for a pedestrian and got rear-ended
Anonymous wrote:I am the pp who said you could have gotten the valuation report and negotiated. I did that and got a $4,000 offer on an older, very high-mileage car increased to $4,600 by State Farm. They look at similar cars currently for sale in your area and add/subtract $ for differences and offer you the average of the adjusted values. The report shows all the items they think your car has. They did not have the correct package and didn't account for various other features. They also took off for mileage, and in retrospect, I should have tried to negotiate the cents per mile they used for that lower. Also when they sent the POA, I said I would not sign it until they had updated the report.

To the other posters, whether someone has an emergency fund doesn't change whether they should try to get the maximum value from the insurance. Often those buying used cars are the same people who realize the importance of an emergency fund.


This is true. I got more $ when I told them we had installed a $200 hitch and a better stereo.
Anonymous
Post 01/22/2017 18:00     Subject: Re:DH stopped for a pedestrian and got rear-ended
Anonymous wrote:
Anonymous wrote:

OP, I get it. I had the thread about DH being rear ended on the freeway. We had a GREAT car, loaded, that we hunted for many months for the right price. When you have to start over, you don't get the same quality, partly because you are getting all the variables of a used car.

It sucks.


Oh great, you attracted this loon back to the thread!


+1. Ugh. Both OP and this poster are insufferable idiots.
Anonymous
Post 01/22/2017 17:54     Subject: Re:DH stopped for a pedestrian and got rear-ended
Anonymous wrote:
Anonymous wrote:

OP, I get it. I had the thread about DH being rear ended on the freeway. We had a GREAT car, loaded, that we hunted for many months for the right price. When you have to start over, you don't get the same quality, partly because you are getting all the variables of a used car.

It sucks.


Oh great, you attracted this loon back to the thread!


Anonymous
Post 01/22/2017 17:15     Subject: DH stopped for a pedestrian and got rear-ended
You bought a 4 year old car in 2015. Your now 6 year old car got damaged. The insurance company gave you the value of a 6 year old car. What you paid for it is not relevant at all. You didn't lose money, you used a car for 2 years, and it depreciated. It's a simple concept.
Anonymous
Post 01/22/2017 16:50     Subject: DH stopped for a pedestrian and got rear-ended
damn daddy, OP is stupid
Anonymous
Post 01/22/2017 15:28     Subject: Re:DH stopped for a pedestrian and got rear-ended
Anonymous wrote:

OP, I get it. I had the thread about DH being rear ended on the freeway. We had a GREAT car, loaded, that we hunted for many months for the right price. When you have to start over, you don't get the same quality, partly because you are getting all the variables of a used car.

It sucks.


Oh great, you attracted this loon back to the thread!
Anonymous
Post 01/22/2017 15:23     Subject: Re:DH stopped for a pedestrian and got rear-ended


OP, I get it. I had the thread about DH being rear ended on the freeway. We had a GREAT car, loaded, that we hunted for many months for the right price. When you have to start over, you don't get the same quality, partly because you are getting all the variables of a used car.

It sucks.
Anonymous
Post 01/22/2017 15:20     Subject: Re:DH stopped for a pedestrian and got rear-ended
4) You cannot possibly expect to get a new, or even used car, valued higher to replace the one you had. Yes, I know. It's not the first time we've lost money from an insurance claim. New flooring from a water leak costed us money too. We've lost money from travel insurance too. The bottom line is it sucks to be out of pocket. I'm very thankful that the pedestrians weren't hurt and DH wasn't hurt. Total inconvenience, yes. The other driver did admit that he plainly just zoned out.


You didn't lose money. If you had not had insurance, you would have lost money (the value of your car). You got the amount that you had insured . . . which was the value of the car minus the deductible (which you may get back once your insurance company gets compensation from the "at fault" driver's company). Learn how insurance works.

If you want to buy insurance that gives you a new car, ask the insurance company how much that would cost in premiums.

Anonymous
Post 01/22/2017 14:44     Subject: DH stopped for a pedestrian and got rear-ended
Anonymous wrote:Try to sue the other driver, either personally or via the other driver's insurance. You should be made whole.


This is terrible advice. You are entitled only to the market value of the vehicle you lost, which you have received. You would face a quick motion for summary judgment. Also, if you file a lawsuit without good cause you could end up being sanctioned and having to pay the other side's attorneys fees. Do NOT do this, and let this serve as an example as to why you should never take anonymous legal advice. No actual lawyer would suggest a lawsuit here - you have no basis.
Anonymous
Post 01/22/2017 14:08     Subject: Re:DH stopped for a pedestrian and got rear-ended
Anonymous wrote:
Anonymous wrote:

4) You cannot possibly expect to get a new, or even used car, valued higher to replace the one you had. Yes, I know. It's not the first time we've lost money from an insurance claim. New flooring from a water leak costed us money too. We've lost money from travel insurance too. The bottom line is it sucks to be out of pocket. I'm very thankful that the pedestrians weren't hurt and DH wasn't hurt. Total inconvenience, yes. The other driver did admit that he plainly just zoned out.



soooooooooo if you get this (and you don't), then why did you make this thread?


Because insurance companies are bad, one of those horrible 'for profit' places that employ people, provide a needed service, and pay taxes. They are awful and should be replaced by the government.