Pisses me off

[ViperRider]

I was driving to my internship last Monday morning, sitting at a red light out of nowhere someone slams into the back of my car. I call the police and get out to look at the damage. The girl that rearended me is asking if I'm ok and whatnot. She is like there is no damage to your car. The police arrive and write up the report. There was clearly some damage, my ground effects was popped out, the bumper was cracked, and the bumper got pushed out near the taillights.

But it figures that the girl who hit me was low income and has a dollar a day insurance policy which has no liability coverage whatsoever. Has anyone had experience with this? Her insurance told me to either claim it on my insurance or sue her. I got an estimate of $1300 to fix it, I know she isn't going to pay for that if she is low income.

[pace2006]

Re: Pisses me off

Uninsured and Underinsured Motorist insurance... time to look into it. Although, last I checked, Liability is a 50-state minimum.

But yeah, that does suck. Dude in a Civic rearended my Camaro a couple years ago while sitting in traffic and didn't want to cough up the $500 for repairs on his insurance. One call to the police and he was forced to either pay out of pocket or claim it. Guess his record wasn't too clean, since he paid out of pocket.

[1997Canadian3.8]

Re: Pisses me off

Sounds familiar.

My Dad was rear-ended by drunk driver doing 60 mph while he was at a dead stop (was about 30 years ago. He said his Firebird was folded in half basically. She was a single mother who was broke and wasted. She didn't have an money and the most basic of insurance. To this day my Dad still complains of his back pain.


I guess sometimes you just get totally unlucky. Our insurance policies are totally different over here.

[crazygrrrl]

Re: Pisses me off

How can the girl have insurance and not have liability coverage? I thought liability was mandatory or you can't renew your car registration tags.

Good luck with fixing your car.

Was she texting when she hit you?

[VF1Skullangel]

Re: Pisses me off

Lawyer up!

[Atrum Rosa]

Re: Pisses me off

Yeah, I'm confused. What's the point of her insurance then?

[sac2165]

Re: Pisses me off

If she has any insurance it has to be state minimum liability. If you have the option file a claim with your insurance company and have their lawyers try to collect based on her negligence.

If you don't have it get uninsured motorist insurance, you're really screwed if you get hit/injured by one of those jokers..

[SixShooter'00Camaro]

Re: Pisses me off

Was she texting when she hit you?

Wouldnt doubt it. This sounds like a job for a lawyer.

[StrtRacer98]

Re: Pisses me off

April Fools!

[DAS BOOT]

Re: Pisses me off

probably april fools....


but I thought minimum insurance is to cover this, only way you would get screwed is if the costs started costing like more then $50k or $100k

[ViperRider]

Re: Pisses me off

How can the girl have insurance and not have liability coverage? I thought liability was mandatory or you can't renew your car registration tags.

Good luck with fixing your car.

Was she texting when she hit you?

Yea...tell me about it. When my dad called her insurance company he was questioning what is the point of insurance than if she can't get anything fixed? Apparently NJ and probably other states have these "basic" or dollar per day plans that cover only emergency visits and meet the state's minimum requirements. It's ****ing bull****, pardon my language. Here is an article about it if anyone is interested to read.

http://www.pressofatlanticcity.com/n...cc4c002e0.html

I read about uninsured motorist coverage, I haven't yet looked into if my insurance has that coverage but if I claimed that wouldn't my insurance go up?

[ViperRider]

Re: Pisses me off

I don't know if she was texting. It was a rainy day but I had no trouble stopping and my brakes and shocks are **** and need replacing