MAMEWorld Forums - The Loony Bin - Re: Well, the assholes on the road finally hit me.

> > > 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.

She was at fault, there was no disputing that...

Cop cited her, she's got the lead position on the accident report too.

The truck is so-so. It's a '95 GMC Yukon, 2 door. 250-350K on it...can't recall exactly. Body is starting to rust around the skirts, but otherwise was solid. I have no clue how much damage is going to be pinned on it, due to the age, and if they are able to PDR stuff that isn't seamed on all 4 edges due to rust. If they put new panels on, probably well over blue book.

I have claims started with both companies, mine and hers. Both were eager to help, surprisingly. I'll probably start with her appraiser to avoid the deductible. I really don't care if I loose the truck, as long as I get enough to pick up another to-work-n-back beater.

Not really in possession of a lot of free time, so repairing it myself is not the best option. Probably where it's going to end up though.

The deductible is high because it's wrapped in with the bike and wife's car, both of which are a bit nicer...