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T-boned at stoplight....now what?

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T-boned at stoplight....now what?

Old 07-10-2013, 10:03 AM
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kln
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Default T-boned at stoplight....now what?

I'm thankful for German engineering today. I was on my way to work this morning turning left at a traffic light when a guy ran the red light and hit me in the doors. I was stuck in the car for a little bit but managed to get free and I walked away but got checked at the hospital. My four year old little girl was in the back seat on the passenger side. In her booster seat but it broke her right arm. A policeman happened to be at the intersection and got the accident on his dash cam. I notified my insurance. This is my first accident so now what?

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Old 07-10-2013, 10:05 AM
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Im sorry for your accident and your injured daughter. That is terrible news.

Im never one to give this advice, but hire yourself an attorney. Let them sort it out.
Old 07-10-2013, 10:15 AM
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Originally Posted by nhpursuit2870 View Post
im sorry for your accident and your injured daughter. That is terrible news.

Im never one to give this advice, but hire yourself an attorney. Let them sort it out.
x 2
Old 07-10-2013, 10:18 AM
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Holy smokes that's a bang! VW should be proud and you too for picking that car. Sucks your daughter broke an arm but that's much better than the whole scene could have been. Can't believe you didn't get a thing.

Sorry I don't have anything useful to add. Glad everyone is alright in the grand scheme.
Old 07-10-2013, 10:21 AM
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Glad you are okay, sorry about your little girl.

I would not get lawyers involved now. There is plenty of time to hire a lawyer if that needs to happen. Their mail should start arriving in about three days.

Let's see how fair the other driver's insurance adjuster wants to be. If you get a loaner, fair value for your car and all medical, plus about 10K for posible undisclosed injuries to your daughter I would settle.

Or you can wear the insurance collar and go for big money.
Old 07-10-2013, 10:25 AM
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Originally Posted by nhpursuit2870 View Post
Im sorry for your accident and your injured daughter. That is terrible news.

Im never one to give this advice, but hire yourself an attorney. Let them sort it out.
What he said, don't talk to much about it. Let the Ins. lawyer do the talking for you. Hope you and your daughter will be OK.
Old 07-10-2013, 10:32 AM
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I would file a claim with the other driver's insurance company, not your's. There's no reason you should have to pay your own deductibles with your insurance company.
Your holding all the cards when it comes to settlement money, rental cars, and medical bills.............as long as you go through the other insurance company. Don't let them lowball you!

When I got in a motorcycle accident, an attorney friend told me, don't discuss the "pain and suffering" settlement, until your done with the doctors.

The thing about the other insurance is, they will pay out up to their insured's limits, and no further. Find out what those are! If it's not enough, you can then use your ins. company or sue the other driver for the difference.

If you can leave the attorneys out of it, you might be ahead 30%-40% in your settlement amount in your pocket.
That can be a big chunk of change if your a good negotiator.
Old 07-10-2013, 10:37 AM
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Wow, glad you were able to walk away, sorry about your little girls arm. It could have been much worse. At the very least your going to be pretty dam sore the next few day

Except to be inundated with letters from every lawyer around your city

Ditto

Originally Posted by Jus Teasin View Post
I would file a claim with the other driver's insurance company, not your's. There's no reason you should have to pay your own deductibles with your insurance company.
Old 07-10-2013, 10:40 AM
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Get a lawyer times 3!!

Meet with 2 or 3, they will consult for free and trust your gut on the one you choose.

Glad you are OK, and thank God your little one was not more seriously injured. You may develop pain in a couple of days, don't assume you are fine. Could be adrenaline keeping you going. Bones and muscles and such sometimes have a delayed reaction. I would certainly get myself checked out!
Old 07-10-2013, 10:50 AM
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Wow. That could have been a lot worse. Hope your daughter heals up fast. I was in the exact same kind of accident about a year ago. This is just my experience, and i am no lawyer. I was found to be at fault for the accident, because i was the one turning left across traffic. And in doing so i have to yield to all oncoming traffic. Even though the lady coming through clearly went through the red light. Maybe different states have different laws. Not sure. But i am certainly glad that everyone is okay minus a broken arm.

Also im a little confused. How did he hit you on the drivers side if you were turning left and he was running the red light. Unless you live in Europe or other where they drive on the other side of the road.
Old 07-10-2013, 10:50 AM
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make sure you have any witnesses name,number & etc that can testify YOU were in the right of way.

Taffic accidents at red light intersections can be vey tricky without a witness to back up your claim of you not being at fault
Old 07-10-2013, 10:52 AM
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Originally Posted by tprice View Post
make sure you have any witnesses name,number & etc that can testify YOU were in the right of way.

Taffic accidents at red light intersections can be vey tricky without a witness to back up your claim of you not being at fault
Sorry but missed the part where it is on video, that covers YOUR ASS
Old 07-10-2013, 10:55 AM
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Originally Posted by tprice View Post
make sure you have any witnesses name,number & etc that can testify YOU were in the right of way.

Taffic accidents at red light intersections can be vey tricky without a witness to back up your claim of you not being at fault
Good thing the cop got it on cam
Old 07-10-2013, 11:00 AM
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[quote=kln;5807188]A policeman happened to be at the intersection and got the accident on his dash cam.


sorry missed the part about the cam. That will probably change things for sure.
Old 07-10-2013, 11:04 AM
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Be prepared to be sore a few days. I was a little when i rolled mine
Old 07-10-2013, 11:04 AM
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I'm in the insurance business. I agree with some of the others that no lawyer needed at this time. Give them a chance to make it right, and if not, you can always go talk to an attorney. No need to give them 33% until necessary. Car is obviously totalled. If you have a lien, go ahead and call your bank and get the payoff, then look on Kelly Blue Book or NADA for a value, including options, mileage, etc. As far as the medical part, wait a while. Make sure your daughters arm will heal with no problems, then add up all medical bills, any lost time from work, and figure out what you feel like your and your daughters, pain and suffering is worth. Hard to figure, but, seeing as she is a minor, in most states even if you sign a release for her, its not valid until she reaches the age of majority. Just take your time.
Old 07-10-2013, 11:10 AM
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Thanks for the advice guys. Kiddo got her cast on and waiting for them to discharge her.




Originally Posted by Darcyheron View Post
Also im a little confused. How did he hit you on the drivers side if you were turning left and he was running the red light. Unless you live in Europe or other where they drive on the other side of the road.
I was turning left on a green arrow from the second left turn lane. He came straight through the intersection from my left to right
Old 07-10-2013, 11:13 AM
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Originally Posted by Fatherof4 View Post
Hard to figure, but, seeing as she is a minor, in most states even if you sign a release for her, its not valid until she reaches the age of majority. Just take your time.
In California, routine practice in the event of a settlement for the claim of a minor child required a court approved "minor's compromise." Attorneys handle these matters, and the fee allowed is scrutinized by the court. There used to be guidelines for these. Good luck and I hope your child recovers well.
Old 07-10-2013, 11:14 AM
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Good you guys are ok, go luck out a new boat !
Old 07-10-2013, 11:26 AM
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Originally Posted by kln View Post
Thanks for the advice guys. Kiddo got her cast on and waiting for them to discharge her.






I was turning left on a green arrow from the second left turn lane. He came straight through the intersection from my left to right
oh. ok. i get it. sorry sometimes im a little slow. i was thinking he was coming from the front through the lights.

good luck with everything and hope it all works out in your favor.

and forget about my experience. totally different kind of situation.

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