Not a good week for my son
- Thread starter fishgutzy
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Trevillian
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Truly glad there are no injuries.No injuries.
But his insurance company is going to screw him. They are going to base the value on the condition after the 2nd accident, not on condition before the first accident, or even after repair.
So essentially only salvage value. A lot less than he owes.
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Just as many have mentioned. The story(ies) is interesting. Not trying to pile on. But, yeah.
Unless the individual who rear ended him initially had insurance through “shady, mcfady’s car, health, dental, life insurance, investment, personal loan, tire and lube center” they should have had an agent out fast to access the incident and prevent time for “medical issues” to pop up when their client is at fault.
Given the stated circumstances. The vehicle should not be driven meanwhile. Just to keep accusations from the other side of the first incident from being possible...
For the second incident. Bro... The “my brakes went out” arguement is meh at best. That looks like a pretty new rig. All brake systems for decades are technically two systems in one. So if a brake line did blow apart. The other side still provides full braking power to two wheels...
Looking at the pic. The rear end (thinking of the first accident) would have to have been HEAVILY damaged to even get to the braking system but I see no wrinkles... I have seen enough of life to know the impossible does happen. But man is this circumstance unique.
Plus. Yes now his Insurance will play the “it’s on the other company” card to justify the payout in his “at fault” accident. The company that was/delaying sending the adjuster will also now be claiming innocence as “they didn’t have the opportunity to see damages purportedly rendered by their client” yet now the plaintiff has had another issue”.
They have the legalese to make a case to avoid payment at all. Just as his insurance will do the same. Hence the scrap value only offer...
Crap luck in general, but that’s how it will be played. Effing litigious society being what it is:-/
OP
fishgutzy
Senior Member
From the first, the other party has Progressive. They still have not called.
He called the adjuster for his company, and the response was always "I have to talk to my supervisor." They wouldn't even get him a rental car because the adjuster hadn't been out yet.
The car is a 2011 Hyundai Genesis coupe.
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OP
fishgutzy
Senior Member
Indeed. He did have a passenger though. Not hurt either.
I hit a Honda civic at 55mph after that driver lost control and came straight across my lane. I was never so glad somebody didn't have a passenger in the car. That side was caved in. Driver was still taken away in a ambulance. Found out later she was okay.
Her insurance people called the next day.
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Trevillian
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It’s good he called his company after the first accident. Curious? What did he want them to do? It's not their place to do anything, much less provide a rental car, the individual they represent wasn’t at fault (I presume the accident report bears this out) That is up to the other parties insurance. Progressive in this case. In my very limited experience/knowledge on the subject.
If the vehicle can be driven away after the police report is written. You take the vehicle to a collision center or what have you and have it quoted for repair. The “at fault” parties insurance adjuster comes in and accesses the claim themselves. Agreeing, disagreeing, what have you. All part of the legalese. If the place the vehicle is taken says not to drive it, a rental can/should be used but is probably going to be out of pocket initially.
Guess I’m missing the part between the two incidents where the initial damage was surveyed? I could be a total crackpot on this but I thought what I spoke of above was/is standard practice
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fishgutzy
Senior Member
Normally the at fault party insurance contacts immediately. But he has not heard anything from them.
He does have a lawyer on it. And it could be that the other party in the first accident might have lied about the insurance.
My own experience has been that the at fault insurance called immediately.
This was his first time dealing with a crash in his own. He learned a few hard lessons about what he should have done.
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fishgutzy
Senior Member
In Florida, police don;t come unless there are serious injuries requiring medical response. So no police report. My son's lawyer will find out whether that is the case.
I'm guessing that drunk drivers like Florida. Either that or because there are so many Q-Tips that cause minor accidents that police just don't have the capacity to respond to all incidents.
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fishgutzy
Senior Member
Not the case at all.
I was in a severe motorcycle accident In 2013. The girl parked the car and ran. 3 weeks later the hp called to tell me they just found out she didnt have insurance.
Interesting, perhaps when they ran the car it had coverage but the driver who left the scene had no coverage. Since she took off they could not ID her?
Was she the registered owner or did she just have use of the car?
She was the registered owner but had made a altered copy of her boyfriend's insurance policy.
Never had Insurance. Iirc she was at day 47 on a 30 day tag
So much for 'insurance cards'.
and I never drank until I was 21.
But with kids it’s so hard, and often unproductive, to call them on their stories. Does it really matter if the brakes failed or if he fell asleep or was distracted by a bj? The answer is still “tough problem, I’m sure that you’ll figure it out, love dad”
Could have been...but probably not from that accident. Dude, it barely damaged the bumper cover. No damage to taillights, or, according to you, trunk.
But it caused a brake failure?
OR
maybe he just messed up in the rain and slid through the sign.
I might be wrong, but it looks the car has rain on it etc in the first pic you posted.
Whatever, glad he's ok, but Im questioning his story
Lord of War
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I was in a car accident on July 3rd of this year. It was declared not my fault...which was obvious by the way. The officer didn't determine fault. They said they don't. This was in Clemmons. They filed a report with their observations and then the insurance companies hashed it out and made the decision somehow. Regardless I got paid for total loss on my vehicle which wasn't much. However, I was injured and still haven't been paid for medical bills, pain and suffering etc. Allstate is the insurance company supposed to be paying me but I'm still waiting for a settlement. They contacted me the morning after the accident trying to give me 400.00 to settle that day. What a crock. I figure I'm out 6,931.00....that's out of my own pocket...doesn't figure in what my insurance company has paid in medical bills which is thousands and thousands. I came close to losing my job due to time missed. It's been a major hassle. I'd been better off if I was at fault. My insurance would have went up but maybe that would have been the lesser of 2 evils which is nuts.
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fishgutzy
Senior Member
He has been doing great in his sales job. He has left the garbage behind. He is just getting some hard life lessons now. But he will survive.
He is actually most upset that he can't make it up for Christmas now.
OP
fishgutzy
Senior Member
He is solid. He has a career plan and has been sticking to it. Working his butt off.
Have you called the "HURT LINE", as in injury lawyer? Hope you're not going to have permanent medical issues from this.
You should call your insurance, they’ll pay the claim and then get it back from the other insurance through subrogation. You picked a company to work with when you bought the policy from your insurance company, don’t waste your time with the other guys insurance.
Could have been a dipshit behind the wheel also. Brake systems are segregated, front and rear. A sudden "pinhole" wouldn't disable the entire system. Don't know about the first wreck but it appears he blew through a light or sign and got T boned.
Face it, this kids "stories" never seem to add up....
Just happy your boy is OK, the rest will work it'self out, one way or the other.
Says it all
There's a pants load of y'all that jump to conclusions. Wait for a verdict.
Yessir, as a mechanic of 36 years, and the top mechanic/tech out of over 250 for 20+ years, it definitely sounds fishy. A mechanic could and should inspect the system to verify the story.
Years ago when my son got his first street bike, he rear ended me on my bike at a stop sign! I stopped and then felt a nudge from behind and turned around to see my son and his bike laying on the ground. He gets up screaming that his brakes didn't work. I got on the bike and rode it down the road. Brakes worked fine. He was probably pulling on the throttle while he was pulling the front brake lever. The moral of the story is, I would have gotten in juniors car right off to see for myself if the brakes were actually working or not. It ain't rocket science.
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That'd cover 99% of them, it's difficult to believe the brakes failed on this new car.
I've done industrial accident reports for decades, most of the time I hear "the brakes failed" and they hadn't. After research, a very few of them were failures.
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Did the other driver even report it to progressive in the rear end collision? My experience was they were very prompt in having a adjuster contact me and other party. I had a minor parking lot brain fart and forgot reciever hitch was in truck and bumped another cars front bumper. Contacted them on friday afternoon a 4pm and had adjuster calling me before 5. They called the other party same as well and had them go get a estimate asap. If he has other parties insurance info he can contact progressive himself although maybe a little late now.
If there was no wreck report done on the first wreck it's probable that the person didn't report it. If you are ever in an accident like this immediately contact your insurance co. and give them the other companies info. Don't bother trying to contact the other parties company at all.
Is there any possibility that there was a cash payout at the scene of the first fender bender to keep it out of the insurance company hands?
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OP
fishgutzy
Senior Member
Regardless why he ran the stop sign, legally it is still his fault.
His insurance company did total the car and is paying out just over what he owes on it.
He still hasn't heard from Progressive regarding the first accident. He is getting his lawyer on that one too.
His insurance company did total the car and is paying out just over what he owes on it.
He still hasn't heard from Progressive regarding the first accident. He is getting his lawyer on that one too.