I hate cars. I think cars are my krptonite. Got rear ended yesterday and thankfully I am fine, no one got hurt, but now my car is in the shop. Not only rear ended but rear ended into someone else. So I should say that I have damage on both ends.
The problem? Well yes insurance will cover. I may still have to pay my $500 deductible because I did damage the car ahead of me potentially. I also was hit by someone new to the country who was renting a car and no they don't have insurance. They had something called self-insurance form. So I'm crossing my fingers that the woman bought insurance from Avis. Otherwise who knows? My agent told me that they will collect for me being rear ended but I still hit the person in front whom I braked and had a handspan between our cars, hence why I went right into their trailer hitch!!!
Of course it's being called potential total. ie the value of the car will be worth less than the repairs. I hate that idea. I mean yes the car is worth probably $10-11k. But it's great and no way can I find another subaru outback with 72k miles in that condition. I am so pissed over the situation.
I know we were thinking in another year we'd get a different car potentially. But that was after we figured out more things about our lives. Third kid? Where we'd live, etc. We'd know if we wanted a minivan or a SUV with third row. If we didn't mind staying with same size. And no way can we buy the same car with same mileage and condition. UGGGH.
Who knows how this will unfold. Or how long it will take to resolve.
cars my kryptonite
January 20th, 2016 at 09:06 pm
January 20th, 2016 at 09:57 pm 1453327074
January 20th, 2016 at 10:08 pm 1453327725
January 20th, 2016 at 10:14 pm 1453328081
January 20th, 2016 at 11:15 pm 1453331728
Once the decision has been made, it might be possible to buy your low mileage car back from their process/auction for a meagre sum if the damage is fixable, the car sustained no structural damage and can be repaired to meet state's safety requirements. Suggest checking with Lemon Aid as well a KBB for knowledge of value [Subaru likely has a premium rating unlike Hyundai for example] as insurance usually offers the least it can get away with. I hope you get a temporary vehicle and suggest you track time in hopes of getting some reimbursement for inconvenience.
January 21st, 2016 at 03:45 am 1453347941
January 21st, 2016 at 04:19 am 1453349999
Ceejay, can't live without the car unfortunately.
CCF it's never fun. Also waiting for the car assuming it's repaired I bet will be a few weeks.
snafu, how does that work to buy back the car? Of course assuming it's safe. Also we have to probably buy new cars seats even though the kids were not in the car seats. UGH. Another $200-300 out of pocket unless the insurance covers it.
Frugal I am glad no one was hurt.