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Re: Well, the assholes on the road finally hit me.
08/23/13 05:14 AM
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> > Did the police do a report and find her responsible for the accident? You should be
> > talking to HER insurance, not yours.
> >
> > Take her to small claims court.
>
> Eh? Not how my insurance agent laid it out. weird.
>
>
> edit...
>
> Just called her insurance, apparently you can do that too...Bonus, thanks!
Realize though that if you get her insurance involved in paying for it and the damage is over ~75% of the trucks book value they will consider it a total loss. Don't take the check right away because then it's theirs. You would have to then see if you can get the title(they'll give you less money but you get to keep it)& then repair it. Then get an inspection at a Highway Patrol Inspection Site. Differs state to state exactly what it entails but it's a hassle.
Also, if you get your insurance involved to go after her company it may turn out just as bad if not worse. Her company will definitely send out an appraiser of there own if they hear a peep about having to pay out cash and if she was not proclaimed at fault by an officer in an accident report, good luck. Your company could also do the total thing.
I really hope your truck is worth more than that and the damage isn't that bad. Try to find some aftermarket or used parts & fix it yourself(if you can) is probably your best way to go.
Also, why the high deductible on the truck if it's only worth that much? Just get liability so you're legal if the trucks that old & junky.
I'm not sure what kind of can of worms small claims court might open up.
Is she saying that you should fix her car? If she is then I'm sure you'll get to know your agent a whole lot better real soon.
Good luck... Let us know what goes on.
Pessimist: Oh, this can't get any worse!
Optimist: Yes, it can!
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