Just Wrecked
#21
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I don't think a blind man could come to the conclusion that it was my fault. Best thing is that a cop was present before/during the accident and his cruiser caught the accident on tape. It clearly shows the other person turning in front of me. His car was hit on the front passenger side, I didn't have time to even say "Oh Sh" before the collision let alone react in any way to prevent the accident. Also my right hand must have punched the center console since I had my hand on the shifter at the time and my knuckles are a little bruised. One question I have to ask to any one who has ever been in an accident and had their car totaled, if my insurance offers less than what I owe on the car(which is most of the loan amount since I could only make one payment) would the other driver(person at fault) be responsible on covering the difference or is it my loss both physical and financial?
Last edited by lp9820; 5/19/10 at 09:25 PM.
#22
Legacy TMS Member
I've heard, if the air bags go off there is a very good chance the insurance company will total the car. Not all the time but most of the time.
Did the air bag on the steering wheel hurt your wrist or anything when it went off? This is one of my 'fears' i have. I've heard and read so many stories about the steering wheel air bag 'breaking' the drivers wrist.
Did the air bag on the steering wheel hurt your wrist or anything when it went off? This is one of my 'fears' i have. I've heard and read so many stories about the steering wheel air bag 'breaking' the drivers wrist.
#23
Legacy TMS Member
You can get more from the insurance for pain and suffering. Make sure you make a STINK about it and hire an attorney. If they don't give you at least $30k for a new car, I'd keep pushing for more.
#24
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I've heard, if the air bags go off there is a very good chance the insurance company will total the car. Not all the time but most of the time.
Did the air bag on the steering wheel hurt your wrist or anything when it went off? This is one of my 'fears' i have. I've heard and read so many stories about the steering wheel air bag 'breaking' the drivers wrist.
Did the air bag on the steering wheel hurt your wrist or anything when it went off? This is one of my 'fears' i have. I've heard and read so many stories about the steering wheel air bag 'breaking' the drivers wrist.
#25
Legacy TMS Member
That's another thing. I don't wear anything but Oakleys while I drive. I used to sell sunglasses. Trust me, you don't want to be wearing some Maui Jims or Ray Bans with glass lenses when an airbag goes off in your face!
#26
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glad your ok....
good your going to doctor...you might want to give it a couple weeks before settling with insurance...i was rear ended years ago,and was ok...then a couple weeks latter my neck started hurting as all getup...took a few months to fully recover....
good your going to doctor...you might want to give it a couple weeks before settling with insurance...i was rear ended years ago,and was ok...then a couple weeks latter my neck started hurting as all getup...took a few months to fully recover....
#27
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Good point. I'm guessing that's why most cops/firefighters/EMTs around here seem to wear Oakleys, besides the cool factor. But I suppose even plastic lenses could jack up your eyes with the force of an airbag. The ideal would be windshield glass whose tint adjusts to light conditions so shades aren't needed behind the wheel.
#29
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Glad you are ok, too bad about the car. I've been with State Farm for 23+ years, and have been very happy with their service, even when involved in an accident with another State Farm insured person (their fault). Your individual agent may give you a little hassle, but stick to your guns, and hopefully you have a good enough SF agent that will stick up for you. Good luck getting all the insurance issues resolved.
#30
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One question I have to ask to any one who has ever been in an accident and had their car totaled, if my insurance offers less than what I owe on the car(which is most of the loan amount since I could only make one payment) would the other driver(person at fault) be responsible on covering the difference or is it my loss both physical and financial?
my 95 got spun in a snow storm , in march of 96, took out the front end completely ripped off, fender, and driver side 1/4panel, 3 rims rear bumper and driver side exhaust , steering rack snapped tierods.. back then 14000 in repairs, the car wasnt totaled. this was 6 months after i bought her. i doubt you have that much damage on yours, but its up to the repair shop.
glad everyone is ok..
remember the car is just a piece of metal that can be replaced.. you cannot
Last edited by pony racer; 5/20/10 at 05:56 AM.
#32
Happy that you are OK. So sorry about the Stang. The Kona blue is beautiful. Hope you can get her replaced with another, or even better. Don't get V-6, get a GT!
Do not know about State Farm, as we use USAA, and we have been quite happy with them.
Do not know about State Farm, as we use USAA, and we have been quite happy with them.
#33
Mach 1 Member
#34
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IOne question I have to ask to any one who has ever been in an accident and had their car totaled, if my insurance offers less than what I owe on the car(which is most of the loan amount since I could only make one payment) would the other driver(person at fault) be responsible on covering the difference or is it my loss both physical and financial?
This is why you can get 'gap insurance' from your insurance company or from the bank offering the the loan. I think I pay $6 per month more to GMAC for this coverage. If insurance doesn't cover the total value owed, gap insurance kicks in and takes care of it.
I don't think the other person would be liable since it is not their fault you are upside down on your loan.
My mother had her car totaled a few years back and without gap insurance she would have been out about $5k on her car.
#35
Legacy TMS Member
Good point. I'm guessing that's why most cops/firefighters/EMTs around here seem to wear Oakleys, besides the cool factor. But I suppose even plastic lenses could jack up your eyes with the force of an airbag. The ideal would be windshield glass whose tint adjusts to light conditions so shades aren't needed behind the wheel.
#36
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****. I'm really, really sorry to see the damage to the car, but I'm delighted that you seem to be okay thus far. Hang in there, man. And at the first sign of physical discomfort, get thee to a doctor! Best if you have one that isn't leery of chiropractic. Chiropractic is a godsend to traffic injuries such as whiplash.
#37
Shelby GT350 Member
Good point. I'm guessing that's why most cops/firefighters/EMTs around here seem to wear Oakleys, besides the cool factor. But I suppose even plastic lenses could jack up your eyes with the force of an airbag. The ideal would be windshield glass whose tint adjusts to light conditions so shades aren't needed behind the wheel.
Now, terribly sorry to hear about the car. Glad you are alright. I was in a few accdents as a kid and if everything is ergonomically proper, you should be in good shape. I can see how you might not be and it's always a good idea to get checked out thoroughly. I was hit by a roadside bomb and was strewn all across the inside of an ASV six ways from Sunday. Walked away bleeding but no real damage, very minimal head trauma. So with that, I say keep in good health, stay positive and visit as many doctors as you need.
#39
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Well got back from the doctor, he said nothing major just sore muscles and he gave me some muscle relaxers. I am a little worried though as my neck started to hurt when I was in the waiting room and is still bothering me now, the doctor knows about my neck and told me to come back after a week if my neck is still hurting, I hope I don't walk away from this with any long term problems.
#40
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Well got back from the doctor, he said nothing major just sore muscles and he gave me some muscle relaxers. I am a little worried though as my neck started to hurt when I was in the waiting room and is still bothering me now, the doctor knows about my neck and told me to come back after a week if my neck is still hurting, I hope I don't walk away from this with any long term problems.
Last edited by IWantMyNewGT; 5/21/10 at 03:03 AM.