I was in a car accident a few days ago. Another driver ran a stop sign and basically totaled my vehicle. I say basically because it does get me to work and back, but it absolutely not safe. My frame is bent, steering wheel is ****** to the right. Door is smashed in. It's a 97 grand Cherokee. I'm actually in
I was in a car accident a few days ago. Another driver ran a stop sign and basically totaled my vehicle. I say basically because it does get me to work and back, but it absolutely not safe. My frame is bent, steering wheel is ****** to the right. Door is smashed in. It's a 97 grand Cherokee. I'm actually in jeapordy of losing my job if this vehicle decides to quit on me soon. So, what am I supposed to do? I have/had PLPD, the other driver is insured. Will I be reembursed? I've basically been freaking out about my current life since the accident. I can't seem to get ahold of the opposing insurance company easily.
Looks like a lot of people simply didn't understand your question. That happens a lot in here. Anyway…
Assuming the accident happened like you say it did and the other guy has valid insurance, yes you'll be reimbursed. That's what liability insurance is for. But you will have to wait, and that's just how it works.
An insurance claim is a legal proceeding, and legal proceedings have to be done by the book. That means they go step by painful little step, and nobody will even talk about the next step until this step is fully completed and documented. It's frustrating, but so is any legal proceeding.
Call up the guy's insurance company (claims department), and ask them if they'll pay for a rental to get you to and from work until they make their decision. If they've already confirmed that the accident was the other guy's fault (yes they need to confirm that stuff), they should say yes. Whenever possible, get everything in writing from them. Email counts as in writing.
If your vehicle is unsafe to drive, then see if you can borrow a vehicle from a friend or a family member till the other guys insurance makes a decision. If none, then contact Enterprise to rent a vehicle till finalized. Most insurance companies will pay on average of $25 to $30 per day, so that is what you would rent in that price range.
Since you only have liability, which is normal for a 1997, then your insurance won't get involved, (unless) the other guy disputes fault in this accident.
Was this a 4 way stop, or a 2 way stop for him and you had no stop sign, thus the right of way? If this is a 4 way stop, then he could dispute he ran the stop sign and he had the right of way.
The other insurance company, do you have the claim number for this accident. If so, should also get the name of the adjuster, plus the extension to call to find out the status. If, you have that information and no phone calls from the adjuster, then find out who the adjusters supervisor or manager is and contact them.
When/If, they finalized their investigation and determine the other guy at fault, then they will pay to fix, or if repairs exceed actual cash value, then they will pay for your vehicle. Once finalized, then they should reimburse for the rental, or take over the rental from the rental company and pay them direct.
But, that is all "contingent" they accept fault. If they dispute, then you will need to contact your insurance company and file a claim.
looks like a lot of people simply didn't understand your question… that happens a lot in here… anyway………
assuming the accident happened like you say it did and the other guy has valid insurance, yeah you'll be reimbursed… that's what liability insurance is for… but you shall have to wait, and that's just how it works…
an insurance claim is a legal proceeding, and legal proceedings have to be done by the book… that means they go step by painful little step, and nobody shall even talk about the next step until this step is fully completed and documented… it's frustrating, but so is any legal proceeding…
call up the guy's insurance company (claims department), and ask them if they'll pay for a rental to get you to and from work until they make their decision… if they've already confirmed that the accident was the other guy's fault (yeah they need to confirm that stuff), they should say yeah… whenever possible, get everything in writing from them… email counts as in writing…
You car is not totalled basically or otherwise. The only people who can total a car is the insurance company when they send someone out to assess the damage.
If you do not have full cover insurance then you need to chase up the other guys insurance company but don't forget to report it to YOUR insurance company first just in case the other guy counter claims against you. Don't say he can't because basically he can and he might. If your insurance company won't help you because basically you don't have full cover then you need to employ a good lawyer to fight the case for you. One basically small guy on his own against the might of an insurance company is never going to win.
You're basically wasting your time basically freaking out about what life throws at you, you took the gamble not to buy full cover insurance and this time you lost. Don't blame it on other things, it was your decision.
So you only have liability on your vehicle, which is OK, but you can't expect your insurance to help you out here.
All you can do is contact the other drivers insurance and get the claim process started. They are an insurance company, they have a claims dept, you need to get in touch with them and get the claim process started so your vehicle can be assessed, likely they will write it off if it's ~20 years old and bent, and then they can send you a check.
But you need to be the squeaky wheel and get noticed, because no one else will take responsibility for chasing this up.
What to do if you have an Accident? Always call the police to the scene and then NOTIFY YOUR INSURANCE COMPANY …. Always !
Basically, "What to do"? Really? Basically, have you notified your insurance company? Basically, If you have, they will explain to you the procedure. Basically, they will explain how/if/when/ you will be made whole. Basically, the liable insurance company will tell you if your vehicle is basically totaled…or just totaled or will be basically repaired. basically, they are the only ones who can "total" a vehicle.
Tip: If your vehicle is repaired, find a body shop that will furnish you with a free loaner to drive while they repair your vehicle. Then, basically, you won't have to worry about a rental.
Basically (or not) when you have insurance…..USE IT !
Assuming you are insured, your insurance company should take care of everything. This is their battle, not yours.
If you do't have insurance, then I suppose you contact the other driver's company. good luck with that.
Your insurance company gets ahold to the other company, gives you the book value for your car ( maybe a grand) and collects from the other guys insurance.
The very first thing you should have done is contact your company.
just call your own insurance, your insurance will fight for you and provide you a car rental at expense of another at fault insurance
Tel your insurance company to get off their butts and get your settlement.