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Old 10-23-2010, 01:07 AM   #11
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had a lady rear-end me a few years back. Her insurance wanted to just cover the repair, but I wasn't OK with that. First, anytime you are hit from behind you run the risk of injuries to your neck and spine that may not appear for months or a few years. Second, the resale value of your vehicle is now diminished because you have a wrecked vehicle (which makes a person wonder if something is wrong like a bent frame, etc.) I told the insurance company that needed to be compensated for those things and they said no. I told them that is OK, they could keep their offer and I would keep revisiting the case each year as I saw my doctor. They finally called and asked my number and I told them $2500 (which to me was the lost resale value) and they were very quick to settle. For the record, I detest our current sue happy system and I think people should take responsibility for their actions, but I also think insurance companies should at least be fair. I felt it was a more than reasonable settlement. Consequently, my van has never been the same. The hit from behind caused several "small" problems that I have to continue to deal with and fix. Don't be greedy, but don't overlook the longterm.
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Old 10-23-2010, 10:22 AM   #12
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Wirelessly posted

The "totaling" formula is set by FL law. I don't think there's a lot of haggling you can do with that. If they total it, you sign the title over to them.

I wouldn't go buying parts until you find out.
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"....during the public comment period that followed, comments were overwhelmingly opposed to the proposal. As a result, NOAA fisheries reopened the public comment period for and additional 15 days, but there was no change to the results. The regional administrator of NOAA Fisheries announced that the recreational greater amberjack season will close for June and July as scheduled..."
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Old 10-23-2010, 11:59 AM   #13
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they will most likely total it out, however you can buy it back in most cases for a very low price and due to the age it wont have a branded title. I totaled out my 89 ranger a couple of years ago when an older lady pulled out in front of me. truck still ran and drove fine with very minor damage. and i bought the truck back from them after settling for $1800, I payed $200 to buy my truck back.
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Old 10-23-2010, 12:40 PM   #14
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That title will be branded once you buy it back. It will be branded either rebuildable salvage or unrebuildablw salvage. One you can drive again. One you cab only use for parts. FL that is. I thought I read FHP. If it's another state, disregard......
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GOMFMC: They listen! (this joke would be funny, if it were a joke)

"....during the public comment period that followed, comments were overwhelmingly opposed to the proposal. As a result, NOAA fisheries reopened the public comment period for and additional 15 days, but there was no change to the results. The regional administrator of NOAA Fisheries announced that the recreational greater amberjack season will close for June and July as scheduled..."
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Old 10-23-2010, 12:43 PM   #15
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I know West Forida autobody I think is the name is the most expensive place to go . They charge a arm and a leg. But they do good job . Im sure you can find cheap and mid range places.
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Old 10-23-2010, 01:42 PM   #16
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That title will be branded once you buy it back. It will be branded either rebuildable salvage or unrebuildablw salvage. One you can drive again. One you cab only use for parts. FL that is. I thought I read FHP. If it's another state, disregard......
My 89 ranger was bought back and it had a free and clear title. It depends on age and value of the vehicle. So not all titles are branded after you buy it back.
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Old 11-01-2010, 07:43 AM   #17
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So far, nadda for my truck. I'm the oddball out with ins companies and have allstate, front and rear cars have geico....

But an update is the car I hit, is claiming an injury against my insurance. Passenger in front car was pregnant and due in 3 days, went to hospital that night with high bp and got admittted, next day they did c-section supposedly due to high bp so now they are saying accident related and trying to claim it. What's the possibility they will be able to prove accident relatted? Pregnant woman was a smoker too so no idea if normal high bp.... my ins only has up to 10k per person liability and 20k per accident.

Also, apparently there is a difference in the liability being split depending on if front car says felt one impact or two and if they say I hit them first or pushed into them? Anyone know differences in liability on this? Ins company also said it might be split between their cars ins too since their car stalled leaving intersection? Anyone have any info on liability being split with 3 car accident and which is worse for me, if they claim one impact or two?

Thanks
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Old 11-01-2010, 10:31 AM   #18
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Quote:
Originally Posted by slackwolf View Post
So far, nadda for my truck. I'm the oddball out with ins companies and have allstate, front and rear cars have geico....

But an update is the car I hit, is claiming an injury against my insurance. Passenger in front car was pregnant and due in 3 days, went to hospital that night with high bp and got admittted, next day they did c-section supposedly due to high bp so now they are saying accident related and trying to claim it. What's the possibility they will be able to prove accident relatted? Pregnant woman was a smoker too so no idea if normal high bp.... my ins only has up to 10k per person liability and 20k per accident.

Also, apparently there is a difference in the liability being split depending on if front car says felt one impact or two and if they say I hit them first or pushed into them? Anyone know differences in liability on this? Ins company also said it might be split between their cars ins too since their car stalled leaving intersection? Anyone have any info on liability being split with 3 car accident and which is worse for me, if they claim one impact or two?

Thanks
Talk to your insurance company. If you have any doubts concerning your liability (in excess of your coverage) contact a lawyer.
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