Having accident causing persons insurance replace aftermarket parts

[NoHaveMSG]

Originally Posted by Stomachbuzz

#2 you cousin got hit by a car crossing the street and there was no injury? That doesn't even make sense. Moving on...

I knew that response was coming

If you consider bumps and bruises injury well......

It clipped him and he fell on the hood and more or less crushed it. Car was moving just over walking speed and came at his "rear 3/4." They were making a left from a one way street onto another one way street. I can call him and get more detail if you want?

He works down the street from where I live. It was a chevy cruze that hit him. I keep printing off pictures of them and writing, "I'm gonna get you boy" on them and taping them to his window

[p1l0t]

Originally Posted by Tcoat

The last line of your attachment summarizes it all. Yes somebody is "at fault" but it all goes through your own company. In that case your company will not pay for items that you did not pay premiums on. Why should they? There is also the very valid option of suing but that was the point of discussion about coverage.

There is an OR in that last line.

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[Tcoat]

Originally Posted by p1l0t

There is an OR in that last line.

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Yep. You could also say you would get your maximum insurance coverage AND sue for the rest.


At no point have I said that somebody should not be made fully whole but simply that you can no insure your car for $20,000 value and then demand and expect $30.000 from insurance when it is damaged.

[Stomachbuzz]

Originally Posted by p1l0t

There is an OR in that last line.

Lol. Thanks for the reading comprehension.

People here (and in general) don't seem to understand different types of insurance...
There's comprehensive and there's collision

Basic coverage vs. "full coverage".

Anyways, this is a classic example of people not being able to defend themselves or handle conflicts properly.
I'll file this in the same category as people getting screwed by the dealer and 'just accepting it' because they don't know what to do.


Seriously guys, develop tools and skills to fight your own battles.
Learn negotiation tactics, learn how to use leverage, learn how to form a competent argument and win your case.

Good luck.

[Tcoat]

Originally Posted by Stomachbuzz

Lol. Thanks for the reading comprehension.

People here (and in general) don't seem to understand different types of insurance...
There's comprehensive and there's collision

Basic coverage vs. "full coverage".

Anyways, this is a classic example of people not being able to defend themselves or handle conflicts properly.
I'll file this in the same category as people getting screwed by the dealer and 'just accepting it' because they don't know what to do.


Seriously guys, develop tools and skills to fight your own battles.
Learn negotiation tactics, learn how to use leverage, learn how to form a competent argument and win your case.

Good luck.

Everybody needs to use whatever they can to get full value. My point was to not expect them to just hand it to you not that you shouldn't go after it.

[Stomachbuzz]

Originally Posted by Tcoat

Everybody needs to use whatever they can to get full value. My point was to not expect them to just hand it to you not that you shouldn't go after it.

of course nobody is going to hand you the full value.
of course you need to fight for it.

If they just handed out the proper amount of cash, then lawyers wouldn't be necessary

What you're saying is the equivalent of announcing to the forum that "the dealer won't give you a fair amount for your trade-in. Be careful!"

[AnUnusedUsername]

It definitely depends where you live.

My last car was rear ended and totaled, and the ONLY thing I said to my insurance company was 'I got rear-ended'. They told me to hang up and call the other party's insurance, and that was it.

The other party's insurance covered the entire claim under the other driver's policy. Since I wasn't filing a claim to my insurance, it made absolutely no difference what my policy did or did not cover.

[Chuckls]

Been a week and no one has contacted me regarding setting up a time for an adjuster to look at the car.

Fun.

[p1l0t]

Originally Posted by Chuckls

Been a week and no one has contacted me regarding setting up a time for an adjuster to look at the car.

Fun.

Sometimes you have to call them, repeatedly. It's easy to get forgotten by a large corporation.

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[Stomachbuzz]

Originally Posted by AnUnusedUsername

The other party's insurance covered the entire claim under the other driver's policy. Since I wasn't filing a claim to my insurance, it made absolutely no difference what my policy did or did not cover.

Right. As it should be.

It makes no sense for my insurance company to pursue the other company for me.
Seems to just make it more complicated. You go after your own insurance company (potentially ruining your relationship with them), and then they go after the other insurance company.
It turns a 2-party situation into a 3-party situation.