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Wife was in a car accident a few hours ago... what do I need to know?

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Wife was in a car accident a few hours ago... what do I need to know?

Old 12-02-2009, 06:17 PM
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Default Wife was in a car accident a few hours ago... what do I need to know?

My questions are about what to do next, but first let me say that she has been released from the hospital, with bruises and shoulder, neck and knee pain, but otherwise seems ok.

She was making a left turn at an intersection, and was T-boned by a teenager coming from the opposite direction. He was passing cars that had stopped, as he ran on the shoulder. Police charged (only) him with the accident. His insurance co is not the same one we have.

The right side of the car is pretty tore up, from front wheel & tire damage, RF fender, RF passenger door, RR passenger door, and interior damage. There is glass everywhere, and mean the whole inside has been sprayed with glass. Her car is an 08 Camry XLE.

I doubt they will total it, but the damage is significant and is the only accident the car has even been in. Even if repaired, the accident repair will always follow, and de-value the car. But that's the way it goes, I guess.

Should I do any more than insist on the selling dealer's shop and use OEM parts. I know she shouldn't sign any kind of settlement papers before we really know the extend of her injuries, if any, and the car damage. Is there anything else need to know?
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Old 12-02-2009, 06:19 PM
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Will, I can't offer any suggestions but I am happy to hear your wife was not seriously injured.
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Old 12-02-2009, 06:24 PM
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Originally Posted by CaptWill View Post

My questions are about what to do next, but first let me say that she has been released from the hospital, with bruises and shoulder, neck and knee pain, but otherwise seems ok.

She will be VERY sore in the AM and for at least the next few days. Be
prepared to go to a MD for follow up. Be sure to document everything.
I'm not lawsuit happy, but my wife was in a similar situation a few years
back and it got pretty ugly.
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Old 12-02-2009, 06:33 PM
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"The right side of the car is pretty tore up, from front wheel & tire damage, RF fender, RF passenger door, RR passenger door, and interior damage."

Damage like that involves the center door post and front door column, that can easily involve the frame and definitely involve the floor boards and firewall. Damage like that often pulls in (buckles) a quarter panel or two.....it could very easily be a right off with today’s repair costs. "If" the car is repaired I would figure you ARE entitled to OEM parts.

I take it you've already got your wife's insurance company involved? Enquire if your wife's insurance covers a replacement vehicle while her's is in the shop or until such time as a settlement has been made. Maybe your wife's insurance can go after the other person's insurance for a rental vehicle?

I'm glad to hear you wife will be fine..........I wouldn't be surprise if in a day or two she's feel a bit worse, after the shock wears off she could feel worse....hopefully not a lot worse.
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Old 12-02-2009, 06:36 PM
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Who is your insurance company I have geico and when I got into an accident a month ago used one of their shops it was the easiest things ever I drove the car there and the rental car was waiting $30 day credit towards a rental I got a nice Impala all I layed out was the deductible and the body work is guaranteed for as long as i own the car. If your insurance company has body shops they deal with I would use them. also contact a good personal injury lawyer
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Old 12-02-2009, 06:39 PM
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Why does it not surprise me that an illiterate (the dope cannot even insult someone in a cogent manner) union douche would be the first to say someone should call an ambulance chasing scumbag?!?

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Old 12-02-2009, 06:42 PM
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Will, I am sorry to hear that. My youngest girl also had an accident this morning (Raining like hell). She hydroplaned into a bank, narrowly missing a telephone pole and hitting a creek bank. She hurt her lower back and is zonked out on muscle relaxers. The car is bashed in and will be sold as soon as fixed. I agree that a damage report will always follow it and my feeling is that it will never be worth more than it is coming out of the shop.
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Old 12-02-2009, 06:44 PM
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Wow, I read the topic then saw who the OP was - who I know! Glad to know she is OK Will.
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Old 12-02-2009, 06:49 PM
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Take it to the dealers Body Shop. I have to constantly fix cars that are repaired at independant shops. You will also have a better chance of getting OEM parts if the Dealership does the repairs. Glad she wasn't hurt badly.
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Old 12-02-2009, 07:01 PM
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Originally Posted by CMP View Post
Why does it not surprise me that an illiterate (the dope cannot even insult someone in a cogent manner) union douche would be the first to say someone should call an ambulance chasing scumbag?!?

CMP

Reason why I said call a Lawyer is you wont know the extent of the injuries for a few days and also the kid was reckless driving if it was just a normal traffic accident I wouldnt of said get a lawyer ... Your always the tough guy on here good thing I dont live near you I would love to see if you'd say the stuff face to face
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Old 12-02-2009, 07:03 PM
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Glad she is ok. No advice about the bodily injury comp, but you are entitled to a comparable vehicle, paid by the other guy's policy from day one.

Don't suggest you use a Geico shop. There is a reason they steer and entice you to use them. In fact, don't let the other guys insurance tell you where to have it taken.

From the damage you listed, not out of the question it is totalled. Insurance companies are totally more to cut down on the adjusting expense and utlimately lower the cost of the claim.

The initial estimate may not total it, but by the time the rental is paid for a couple weeks and you pressure them to do it as the claimant, it is not unlikely. No air bag deployment?

My experience is that a good independent shop is often a better choice than a dealership's. Dealerships often have the worst shops and look at it as a way to sell more OEM parts, not a primary business.
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Old 12-02-2009, 07:03 PM
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Glad she's OK! Neck and back injuries and their extent
can take more than a day or 2 to reveal themselves.
Consulting a lawyer for your own protection can't hurt.
And let's keep the name calling BS in the BILGE!
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Old 12-02-2009, 08:00 PM
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Striker and CMP, I appreciate your posts as well as all the others who have replied, but please don't derail this thread and send it to the bilge. I am getting some good feedback here, and luckily, we have not had to go through anything like this before.

Now, to answer some questions. Air bag did not deploy. That may be because she was barely moving when he hit the right side of her car. I dunno. I do think that the Toyota dealership has a excellent body shop, and I would prefer that repairs, if it is not totalled, be done there, with OEM. I also do want a similar rental car for the duration; no econobox tin can.

oneill469, I'm sorry your daughter had an accident this AM, and hope she's doing well.

Garrett, JimBoe, and everyone, thanks for your suggestions and concern. I will look at the car very carefully, looking for signs of bent frame, door pillar (likely), etc. I do not have any intention of calling an attorney, but I expect his insurance company to make us whole, and will insist on it, regards to the car and any medical. She will be going to family doc tomorrow.

The kid who hit her is a young teenager. He has been cited by the State Trooper, and I hope this is a lesson for him. If someone was walking across the street at that time, they would have been slammed into the side of my wifes car, and most likely cut in half. We thank God that didn't happen.
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Old 12-02-2009, 08:01 PM
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Originally Posted by mronzo View Post
And let's keep the name calling BS in the BILGE!
Yeah or Mod 2 1/2 will be handing out 7 day passes.
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Old 12-02-2009, 08:12 PM
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Glad she is ok. My suggestion is Don't Lawyer up too quick. As a towing company I deal with accidents 2 or 3 times a week and I see a lot of people lawyer up thinking they need one. Most all this stuff is basic and most insurance co will do the right thing. I know first hand how this works after getting hit at a stop sign as well. If you know a good body shop send it to them if not let the insurance suggest one as they will stand behind the repair if you choose a shop the you better know they will do the repair right as you will most likely be on your own if something goes south. Now for a settlement if the wife is ok for the most part then just ask what will they offer you. ALL policies have a limit on liability and that is the most the insurance will offer no matter how many lawyers you have. Most policies have a 10K to 50K liability coverage and the lawyer will get 45% of that if not more. If you have severe injuries that would be different. This is my 2 cents on this issue. Again I was hit at a stop sign and the policy liability coverage was 10K and they offered me 6K without me asking. In Fl my insurance had to cover my medical first and if I exceeded it then their insurance kicked in if needed up to the policy limit. I had minor injuries and was expected to recover quickly.
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Old 12-02-2009, 10:57 PM
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Glad to hear your wife is OK. Nothing is more important than our well being.

Good luck with your endeavors...
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Old 12-03-2009, 04:43 AM
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Let me give you this advice and this comes from a very good friend of mine that is in mgmnt with a LARGE insurance company who I can not name

DO NOT SIGN A MEDICAL RELEASE UNTIL YOU SETTLE WITH CAR, the insurance company will have to repair the car and like several have stated it is very easy to use one of their shops and they will even have a rental car there for you. That is very easy.

Also they will normally get you to sign a form so all the medical bills(if she went to hospital) will come to them. They also will normally write your wife a check for her "pain and suffering" just to get her to sign the medical release and this is common practice IF SHE WENT TO A HOSPITAL if she did not seek medical treatment then that is out of the window.

Also most, at least in SC, insurance companies have a med pay on your own insurance that i will pay in additiion to(to you) what the other company pays. Several years ago my son had a pretty bad(totaled his car) not at fault accident(lady made left hand turn in front of him and one of the passengers who was a very elderly and sickly lady eventually died from injuries) but Admiral also took him to hospital to get checked out against his wished but he did take a hard lick and was ok and they wrote him a check for $1K as long as he signed the medical release form and they also took care of all expenses with no problem.

We had negotiated on the car, this was a teenagers car with body kit, aftermarket chrome wheels, stereo and all the other goodies, and honestly I thought their offer was fair but actually wanted to get a little more(we got to remove the wheels and put the stock wheels back on and remove the stereo and all other goodies as long as we just threw a radio on the seat). Once he signed all the medial release forms it was a different attitiude from the adjuster handling the car part of the claim however they were more than fair but he was pretty much an asshole at that point, before that very nice and easy going.

Also do you have witnesses, even though the other driver was charged his insurance company can do their own investigation as well and determine the LEO was incorrect

Good luck and glad everyone is ok that is the main thing cars can be fixed or replaced
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Old 12-03-2009, 05:10 AM
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Since I am an "ambulance chasing scumbag" in NJ I'll give you my 2 cents.

Go to the police station and request a copy of the police report. Make sure it is accurate. If not, tell them you would like to file an amended report to correct any inaccuracies.

Your insurance company will pay for any medical treatment that she may need. You need to fill out PIP/No fault appllications to start the process. If she goes to the doctor for injuries make sure that they know it was an auto accident and that your car insurance is going to pay, not your health insurance. They will need a PIP claim number from your carrier so they can apply for payment. Some doctors will not treat auto injuries because they dont want to deal with getting paid by the auto carrier.

Your carrier will not pay for whatever treatment your wife or her doctor wants. They have guidelines and protocols for what they pay for. For example if she is in terrible pain and wants an MRI a week after the accident, your auto insurance likely wont authorize payment for it until she undergoes a few weeks of conservative physical therapy. So you have to play their game.

The other drivers carrier will pay for the damage to your car. I have found that many authorized dealers' body shops are approved for insurance work. I have had work done at volvo and bmw dealers that were approved, so look around.

The other drivers carrier will be pestering you to speak with a "bodily injury" adjuster and will send you bodily injury questionaire forms. They may send you authorizations for medical records etc. All of this is an attempt to gather info to help them in case you file suit against their insured later. Dont answer them. You have no obligation to do so, and you dont have to answer in order to get your car repaired. If the property damage adjuster asks if there were any injuries, you can say "yes" but you dont know the extent of the injuries because she just started to go to the doctor.

As to liability, in NJ a person making a left hand turn, as your wife was, has an increased duty of care to make sure it is clear before doing so. Even if the other driver was on the shoulder or ran a red light, there is a chance that she may be in the wrong for not making proper observations. I dont know if DE is different.
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Old 12-03-2009, 05:45 AM
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The car:

Find a collision repair shop of YOUR choice, one YOUR comfortable with, one with a great reputation. "Well that repair shop is not on our list...." This is an attempt to steer you toward a DRP shop for the insurance company. Some are good, some are horrible, DRP's give insurance companies discounts and agree to abide by the insurance companies guidelines for repairing a vehicle. What they (ins co) should be more concerned with is PAYING only. REPAIRING...is what the collision shop is in charge of. Let the shop handle your auto repair, let the insurance company pay for it. Also...please let the shop handle the auto from start to finish, there is not much you can do to "help" along the repair process. Warranty/Guarantee is provided by the repair shop...not any insurance company. They will tell you they will stand behind XYZ Body Shop's repair...but in reality if you do have a problem and you call Geko Ins. Co. with a complaint...they will tell you to take it back to the shop that did the repair, and let them screw it up even more for you. IF you take the vehicle out of state and have issues....and you call Geko Ins. Co. they will direct you to ANOTHER DRP shop, let them handle the corrective repair, Geko pays that shop....and then Geko will bill XYZ that did the crappy repair the first time. What a great warranty/guarantee huh? See how the repair shops warranty/guarantee and not the ins. com????


Liability:

Cops don't determine it, insurance companies do. Ticket, no ticket. It does not matter. Left turn in front of a car going straight, may be a problem. Depends on the circumstances/witnesses etc, etc, etc. You may just want your insurance company to handle the whole deal unless Mr. Teenagers insurance company accepts liability on the first or second phone call to them. (Give it 24-72 hours) If they don't accept liability get the ball rolling under your own ins policy, pay your deductible and hope subrogation will recover your deductible.

BI:

DO NOT SIGN RELEASE....until you are positive that injuries are not an issue. BI claim for a broken fingernail is more of an issue to the insurance company than your $18,000.00 collision repair. They will pressure you to sign a release. WAIT.

PS:
I hate my job. Explaining this 10 times a day for 23 years. Licensed all lines adjuster-auto & collision repair. It's both complicated and simple at the same time, let YOUR stinkin' repair shop handle the car....you and your doctor handle the medical...Insurance company pays. Since the insurance company holds the checkbook can you guess who is in the drivers seat??? Play it right and good luck.
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Old 12-03-2009, 06:07 AM
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Originally Posted by Ludicrous View Post
The car:

Find a collision repair shop of YOUR choice, one YOUR comfortable with, one with a great reputation. "Well that repair shop is not on our list...." This is an attempt to steer you toward a DRP shop for the insurance company. Some are good, some are horrible, DRP's give insurance companies discounts and agree to abide by the insurance companies guidelines for repairing a vehicle. What they (ins co) should be more concerned with is PAYING only. REPAIRING...is what the collision shop is in charge of. Let the shop handle your auto repair, let the insurance company pay for it. Also...please let the shop handle the auto from start to finish, there is not much you can do to "help" along the repair process. Warranty/Guarantee is provided by the repair shop...not any insurance company. They will tell you they will stand behind XYZ Body Shop's repair...but in reality if you do have a problem and you call Geko Ins. Co. with a complaint...they will tell you to take it back to the shop that did the repair, and let them screw it up even more for you. IF you take the vehicle out of state and have issues....and you call Geko Ins. Co. they will direct you to ANOTHER DRP shop, let them handle the corrective repair, Geko pays that shop....and then Geko will bill XYZ that did the crappy repair the first time. What a great warranty/guarantee huh? See how the repair shops warranty/guarantee and not the ins. com????


Liability:

Cops don't determine it, insurance companies do. Ticket, no ticket. It does not matter. Left turn in front of a car going straight, may be a problem. Depends on the circumstances/witnesses etc, etc, etc. You may just want your insurance company to handle the whole deal unless Mr. Teenagers insurance company accepts liability on the first or second phone call to them. (Give it 24-72 hours) If they don't accept liability get the ball rolling under your own ins policy, pay your deductible and hope subrogation will recover your deductible.

BI:

DO NOT SIGN RELEASE....until you are positive that injuries are not an issue. BI claim for a broken fingernail is more of an issue to the insurance company than your $18,000.00 collision repair. They will pressure you to sign a release. WAIT.

PS:
I hate my job. Explaining this 10 times a day for 23 years. Licensed all lines adjuster-auto & collision repair. It's both complicated and simple at the same time, let YOUR stinkin' repair shop handle the car....you and your doctor handle the medical...Insurance company pays. Since the insurance company holds the checkbook can you guess who is in the drivers seat??? Play it right and good luck.

It states on my paperwork if there is a ever a problem with the work in the future and dont want to use a Geico shop I can choose a shop of my own and Geico will cover it
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