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

> > Basically this lady destroyed my truck, and because it's old, the insurance world
> is
> > giving me back a resounding "Meh". I'm losing money out of pocket any way you slice
> > it. If I want it back I might have to sue, which is even more money out of pocket.
> >
> > The only thing I can say for sure is she can bet her ass I'm showing up to court to
> > ensure she gets her tickets.
> >
> > Long talk with the adjuster today, and no matter who takes care of it there are
> > stipulations. They'll paint the dents, but anything below the trim line with rust
> on
> > it gets left as-is, including the fender/well covers that no longer have a place to
> > attach. If I want a new fender, I can pay the overage on parts and paint.
> >
> > They can fix the suspension, but if they find rust on components they'll cut down
> the
> > amount paid out. They can fix the door hinge and latch, but won'd pay out on the
> > lower half of it or replace with a used.
> >
> > If they cut me a check for a "totaled" vehicle, I'm getting $1500 - $750
> deductible.
> > essentially enough to ensure I'll have a car note of some kind going forward.
> >
> > Just your typical only-italie type conundrum. Always on the bubble of everything,
> > always unnecessarily over-complicated.
>
> It's interesting... I have a tendency to over-insure old cars myself, but I've never
> been bitten by it. It definitely seems worthwhile, once the car gets past a certain
> point, to just cut the insurance to liability only. Take what you save and stash it
> in savings. If something happens, you'll be in a better position to either replace or
> repair it, and you won't have to deal with insurance company BS.

The savings really inst that much, and the insurance on it is fairly lighter than the wife's car. I think liability only was something to the tune of ~$9 a month from my current price. That's a tank of gas over the course of a year...