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Post by Susie_Homemaker on Sept 28, 2021 13:54:46 GMT
Can I add my PSA here? I had not one, but two wrecks, because I was looking over my left shoulder so I could merge into a lane on my right and the car in front of me was still sitting there! I saw it was clear on my left to go, gave it gas and BAM! hit the car in front of me.
The wrecks were 25 years apart, but I did the same thing TWICE! I now never, ever even look to my left until the car in front of me has gone (friendly PSA). Lesson learned!
Now, OP, it sounds like the guy behind you is lying and I hope that they side with you! I"m sorry you had a wreck!
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Post by katiekaty on Sept 28, 2021 21:30:09 GMT
Front and rear dash cameras. Prevents so many insurance issues. I have had them installed for the last 8 years. It’s no longer a he said, she said issue for me. Cost is about $35 a camera. I know I live in the Houston area and we have accidents happen, but I love that I don’t have to deal with liars anymore!
You can find out hard hard an impact is necessary to set off the airbags if you know the make, model and year of the vehicle that rear ended you.
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Nink
Pearl Clutcher
Posts: 4,956 
Location: North Idaho
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Post by Nink on Sept 29, 2021 13:59:02 GMT
Even if there appears to be no damage to your car, get it looked at. Some gal tapped my bumper in stop/go traffic on the freeway. I got all her info and even though my bumper didn’t have a single scratch, when inspected it had apparently engaged the “bumper shocks” I think they’re called. They’re made to absorb the impact in event of rear end collision, anyway, they’re good for one time then have to be replaced. Her insurance had to pay for car rental while my car was in shop for a couple days and it was close to $1000 to get that replaced. Always get their info, and always have your car checked.
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julie5
Pearl Clutcher
Posts: 3,621
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Post by julie5 on Sept 29, 2021 14:09:56 GMT
You should only give your statement to your insurance company. When they want your statement, they can contact them. Never talk to the other insurance company. This. I thought this was standard knowledge. That’s what you’re paying you insurance for. |
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Post by houstonsandy on Sept 29, 2021 18:35:55 GMT
I did talk to my insurance company....twice now! First with someone in "claims" in response to my online claim I submitted. He is the one that told me I needed to file a claim with the other insurance company unless I wanted to proceed with my claim and pay the deductible.
Then I called my insurance agent's office and they were no more help than the first guy. We have used State Farm for forever and have never had any issues with them in the past (ie with other auto claims, a burglary and the house fire...). I don't know why I am getting no help with this!
I am going to have my car looked at and get an estimate on Saturday so I guess I will find out how much of a pain in the @$$ this is going to become in a few days.
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Post by revirdsuba99 on Sept 29, 2021 19:14:01 GMT
You go ahead with the claim with YOUR insurance company. They should go after the other guys insurance.
Initially you might have to pay the deductible to get your fixed, but not normally.
I was rear-ended his INS co even gave me a rental. I paid ZERO for anything.. it was all done through my ins and his.
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Post by needmysanity on Sept 29, 2021 19:56:28 GMT
I am the GM for a Collision Center.
What type of car do you have?
Depending on the car, you may or may not have a "black box" (Events Data Recorder is the actual name for it).
For the EDR to record one of the things would have to happen: a crash, acceleration, change in velocity, braking, seatbelt usage, steering, throttle.
If his car has an EDR it would for sure have recorded since his air bags were deployed but he doesn't have to give you that information and most likely won't.
Air Bags only deploy due to deceleration. If a vehicle is stopped, the air bags don't deploy so his story already doesn't stand up. Since his air bags deployed, that shows he was moving and he was going over 20, most likely 30 MPH.
As for insurance...you can submit a claim with their insurance. If you only file a claim with your insurance you will have to pay the deductible. They will then go to what is called "segregation" and try to get your deductible back but it may take weeks for that to happen. Depends on how much footwork and fighting you want to do up front. Based on what you are saying, I would think they would be able to get your deductible back but in this weird pandemic climate I have seen weird stuff go wrong.
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Post by houstonsandy on Sept 29, 2021 21:13:25 GMT
I have a 2019 Mini Cooper Countryman. I have never heard of those "black boxes" in cars before. His is a 2010 Acura. According to his story I must have been bouncing around from car to car like a ping pong ball! lol
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Post by **GypsyGirl** on Sept 30, 2021 3:46:02 GMT
He is the one that told me I needed to file a claim with the other insurance company unless I wanted to proceed with my claim and pay the deductible. This is accurate. You have the choice of filing with his company (USAA) and depending on them to find in your favor, but at the risk they take his side. OR you can file with your insurance, give them your statement, pay the deductible for repairs. At that point, State Farm's legal team will take it up with USAA and come to a solution. We have done it that way and eventually got our deductible back. It is an up front cost we are willing to take to let the State Farm lawyers duke it out with the other company, and not have to deal with the hassle of dealing with them ourselves in a 'he said, she said' situation - especially with no police report. |
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Post by kraft4fun on Sept 30, 2021 4:12:03 GMT
FWIW, IME the car at the back is always at fault in a rear ender. That is true, but sometimes, that sucks. A few years ago, my daughter was sitting at a stoplight. Completely stopped. Someone rear ended her. Their airbag went off. My daughter had whiplash. Her car was totaled. The force pushed her into the car in front of her at the stoplight, and our insurance had to pay for the damage to that car, which I thought was complete bullshit. They call this sandwiched or oreo'd. Happened to me back in about 2002 and I was the middle car, they say the middle is at fault for "not keeping their vehicle under control" even though they are hit from behind. Lucky there was no damage to the vehicle in front of me. |
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Post by Zee on Sept 30, 2021 4:32:56 GMT
Can I add my PSA here? I had not one, but two wrecks, because I was looking over my left shoulder so I could merge into a lane on my right and the car in front of me was still sitting there! I saw it was clear on my left to go, gave it gas and BAM! hit the car in front of me. The wrecks were 25 years apart, but I did the same thing TWICE! I now never, ever even look to my left until the car in front of me has gone (friendly PSA). Lesson learned! Now, OP, it sounds like the guy behind you is lying and I hope that they side with you! I"m sorry you had a wreck! I did something similar a couple years ago, waiting to pull out left on a one way, was watching to my right, car in front of me waiting also to turn on my left pulls up, i look right again and see it's clear and step on it. Right into the back end of the car in front of me, who hadn't gone her turn after all and was still sitting there. FUCK. I'm so careful at that intersection now I'm like an old lady. Lol |
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*Marjorie*
Full Member
Posts: 362
Location: Hawaii
Jun 26, 2014 16:43:45 GMT
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Post by *Marjorie* on Sept 30, 2021 4:34:24 GMT
I was rear ended. My car didn't seem that badly damaged. No tail lights smashed. Called the police, filed the report. That night I filed a claim online. The next day my insurance company called me. I was given the choice of paying the deductible or getting in contact with her insurance company I took paying the deductible. My insurance company made an appointment for my car to be inspected. I couldn't believe it when they totaled my car. The frame was bent.
My insurance company took care of everything for me. Got me a rental car for a week and was willing to extend it until I found a new car. My deductible was also returned to me.
I think you made the mistake when you didn't take the choice of paying the deductible. They than left it up to you to pursue his insurance company.
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Post by Skellinton on Sept 30, 2021 5:57:19 GMT
When my car was hit earlier this year I filed with my insurance but gave the other guy’s insurance info to them. They paid the repair shop everything but my deductible while they figured out who was at fault. When they determined I was not at fault they sent me a check for the deductible and I am assuming got the other guy’s insurance to pay the repair bill. I feel like that is pretty standard.
It will likely take a few weeks for the insurance companies to argue it out and it might end up going to mediation like my mom’s accident did, but in the end as long as they decide you were not at fault you should get your deductible back.
My deal took extra long (about a month) because it was right after the big freeze in Texas and the insurance adjuster told me they were swamped with claims. They were upfront with me about that, so it wasn’t a big deal.
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