Sadly this happens quite often. There are people out there who make a living off BI claims.

Should be fine since it wasn't your fault. You may have to pay your deductible at first and then you should be able to get that back from the guy that caused the accident.

Your rates shouldn't go up either as long as it wasn't your fault and your insurance company doesn't pay out or is reimbursed from the at fault driver.

Sorry to hear about the car. Maybe you can get lucky and get a hold of a BRZ. They seem to be less attracted to collisions. :thumbup:

Damn hope you dont lose to much in deprecation.

From personal experience I would say this is false and you have nothing to worry about.

I was rear ended at a stop light in 2008. She told police she was going 50 (45mph speed limit.) I took the initial hit, and I was hit so hard that the roof buckled. There was damage to 3 cars in front of me and would have been more hit if there had been any more before the intersection. There was never anything said about us being too close to each other, it was 100% the fault of the woman that hit me.

My insurance (state farm) fronted 100% of the costs for my medical treatment and a rental car and collected reimbursement from the other insurance company (nationwide) at a later time. I received a check for the value of a comparable car (they found a one year newer car of the same model with 15000 more miles and offered the dealer price listed for it, with a slight adjustment for previous damage and the fact that I removed and kept the stereo so the car had none installed.) I also received a lost wage/pain and suffering settlement which was small but not unreasonable for a minimum wage pizza delivery driver.

My suggestion to you is to hold out on accepting a settlement for wage/pain until your medical issues are resolved. Take the check for the value of the car so you can replace your vehicle, but if you have any injuries do not take the settlement until after they are 100% resolved. Even if you don't have obvious injuries, wait a few weeks and something may start hurting. I had a tendon injury that took months to heal.

Whatever offers you do get, take them to your own insurance agent before accepting and see what they say.

You're an idiot.

Hell no! Personal injury attorneys are generally scum bags. Most of them treat their clients like cattle and don't bother learning anything about any of their cases (they leave the actual work for paralegals and legal assistants).

As for your coworker, it sounds like the adjuster for his carrier wasn't particularly diligent in dealing with the case. If we see damages that look unrelated and prior, we use those details to help with liability since you can't argue with physical damage. It's unfortunate that your co-worker's carrier took the lazy way out and just paid everything, no questions asked.

Yeah the lady sued both Allstate and my co-worker personally. Allstate paid because 10K wasn't worth fighting over. They went for that number specifically because the lawyer knew allstate wouldn't fight it. On the civil case against my co worker they are going for a lot more money. Scumbag people and lawyers.

Maybe I am. But it happened to me, I sued, and won 22k, 40% of which went to my lawyer, 3k to medical, and the rest to me for pain and suffering, and lost of wages. Damage to the car was about $8900 give or take (which their insurance took care of, obviously). 11k in my pocket

and that makes you a scum bag

I'm going to say that 11k was probably out of our pockets due to higher insurance premiums to cover situations like this? That sucks...

Nope, just hit the ghetto lottery

funny it's incompetent pricks like you trying to abuse the system that are the root of our issues in the US today. People nowadays want handouts. Try working for once for what you want instead of trying to feed off legitimate decent citizens.

You're no better than a bank robber or a murderer in my eyes

Dont know the rules in California but here a "total loss" is defined by law as "repairs costing greater than 75% of the value of the vehicle". The "value" of the vehicle is the "retail sells price of the car", usually determined by the NADA or KBB retail value.

My child recently hit a deer and got $4375 for a car I paid $5100 for 5 years ago. Usually you come out alright on total loss claims.

So your telling me your an upstanding honest citizen, an angel your whole life? Sorry if I hit a nerve, but I didn't abuse the system, I used it.. Like many Americans do, everyday. I pay my taxes, and do my duty as a "citizen" in this shit hole called America, so use, abuse whatever you want to call it.. I could care less. What matters is, I got 11k in my pocket from someone who didn't pay attention to the road. Expensive lesson for them that hopefully teaches them to pay better attention to the road next time around.

It's one thing to get just compensation, it's another thing to "use the system to your advantage".

Don't be a ****, what goes around comes around. I'll be sure to drive extra careful around local blue FRS's.