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Car accident

Old 05-27-2019, 03:20 PM
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Default Car accident

so my 16 year old daughter was in a car accident that was her fault.
No one was injured but it looks like my insurance company is going to
total both vehicles. Each one is worth about 5k. This is my first time
dealing with this any advice on handling this would be appreciated. Thanks
Old 05-27-2019, 03:24 PM
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Originally Posted by tdk72 View Post
so my 16 year old daughter was in a car accident that was her fault.
No one was injured but it looks like my insurance company is going to
total both vehicles. Each one is worth about 5k. This is my first time
dealing with this any advice on handling this would be appreciated. Thanks
Thankful neither party was injured, but Don't Do Anything! Let your insurance handle it - it's why you pay them and they do this everyday.
Old 05-27-2019, 03:36 PM
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Don't do anything is great advice. Even better advice is not to admit any fault.
Old 05-27-2019, 05:24 PM
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Originally Posted by tdk72 View Post
so my 16 year old daughter was in a car accident that was her fault.
No one was injured but it looks like my insurance company is going to
total both vehicles. Each one is worth about 5k. This is my first time
dealing with this any advice on handling this would be appreciated.
Thanks
Get a second job to pay for your new premium.
Old 05-27-2019, 05:41 PM
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After you calm down, be happy no one was injured. Let your insurance co. earn their premium and be prepared to pay an increase. Have kids they said, it will be fun they said.
Old 05-27-2019, 06:01 PM
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My only advice is to not look at the next statement.
Old 05-27-2019, 06:30 PM
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What should I expect for an increase?
Old 05-27-2019, 06:37 PM
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Donít be surprised when your insurance company pays out $15k for personal injury and chiropractor bills.
Old 05-27-2019, 06:38 PM
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Originally Posted by tdk72 View Post
What should I expect for an increase?
Call your agent. Every claim fits into a class with a predetermined increase. At least thatís what State Farm told me.
Old 05-27-2019, 06:42 PM
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Originally Posted by Bernie1951 View Post
Get a second job to pay for your new premium.
yeah and then find a way to make the insurance folks pay. Why do law makers alllow this bs? Itís not really insurance any more. Itís a payment plan to fix things.

Slash tire damage vehicles whatever to you insurance companies vehicles or to those working for them.

Its b.s. how rates go up on an accident. Make THEM pay. Thereís ways
Old 05-27-2019, 07:20 PM
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They should owe you sales tax if they total the vehicle
Old 05-28-2019, 02:43 AM
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Originally Posted by tdk72 View Post
What should I expect for an increase?
get yourself a ski mask and go to the bank
Old 05-28-2019, 03:42 AM
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Originally Posted by Tossedabout View Post

yeah and then find a way to make the insurance folks pay. Why do law makers alllow this bs? Itís not really insurance any more. Itís a payment plan to fix things.

Slash tire damage vehicles whatever to you insurance companies vehicles or to those working for them.

Its b.s. how rates go up on an accident. Make THEM pay. Thereís ways
Yeah yeah, because going to jail fixes everything!

WTF?????
Old 05-28-2019, 03:55 AM
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Originally Posted by tdk72 View Post
What should I expect for an increase?
It depends upon how bad they were raping you to begin with. If she was on the policy already, figure another 50%; if she wasn't, then 250-300% would not be unrealistic.
Old 05-28-2019, 07:45 AM
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Originally Posted by magua View Post
Don't do anything is great advice. Even better advice is not to admit any fault.
Yep donít admit any fault. Exactly what I taught my kids, to lie and not tell the truth.
Old 05-28-2019, 07:52 AM
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Originally Posted by tdk72 View Post
so my 16 year old daughter was in a car accident. that was her fault.
No one was injured but it looks like my insurance company is going to
total both vehicles. Each one is worth about 5k. This is my first time
dealing with this any advice on handling this would be appreciated. Thanks
Your first sentence should be edited.
Never admit fault. Let the, "experts", figure that out.
Be honest and state what the politicians state, I am confused and upset, I don't recall.
Don't lie. It's better to be quiet.


.
Old 05-28-2019, 08:32 AM
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Originally Posted by Tossedabout View Post

yeah and then find a way to make the insurance folks pay. Why do law makers alllow this bs? Itís not really insurance any more. Itís a payment plan to fix things.

Slash tire damage vehicles whatever to you insurance companies vehicles or to those working for them.

Its b.s. how rates go up on an accident. Make THEM pay. Thereís ways
Its funny people say his rates will go up. I'm in the business and my clients have accidents all the time without any rate increases. You buy cheap insurance and you pay the price.
Old 05-28-2019, 08:37 AM
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Two things - be careful of the next model car she gets, the type car will weigh heavily on the penalty you have coming in insurance payments. If it were my daughter, I would give her a big hug, then ask to see her cell phone to check for any activity during the time she was driving when the accident occurred. If there was activity - rake her over the coals. Cell phone usage while driving is killing way too many people on the roads, but especially teens.
Old 05-28-2019, 08:40 AM
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Arm Leg
Originally Posted by Lorne Greene View Post

Call your agent. Every claim fits into a class with a predetermined increase. At least thatís what State Farm told me.
Old 05-28-2019, 09:12 AM
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Don't admit anything, to anyone, including here. Let your insurance company handle it all, that's what you pay them for.

When you get the letter from the PI Attorney, which you will, pass it on to your insurance.

After all is said and done, make sure you get her a safe car, but inexpensive to insure. When she turns 18, get her on her own policy immediately, make sure you disguise any moneys you give her so as not to seem you are paying for the insurance. The idea here is to limit YOUR liability in case this happens again. I did this with both my kids and luckily didn't have to worry about that part.

My son did rear end a school bus coming out of the HS parking lot when he was 16......that was fun....kids...….

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