nothing makes these this less stressful. I got hit over christmas, totally repairable but was still a pain in the A$$.

Good Luck man

 

hey dude dun forget medical bills! aren't your neck still hurting from the accident? :-)

 

Ya'll need to invest in a little something I like to call GAP insurance also...

 

my lower back is getting better but my neck still bothers me. I am still seeing a chiropracter.

 

a chiropracter won't cut it for injurys, you need to go to a doctor and get them to sign something that you have an injury directly related to the accident. at that point, you can tell his insurance company what you want:

1.) reimbursment for all money you have spent seeking medical attention
2.) money for future medical bills ( point out that you will need to continue to go to a chiropracter for adjustments if your back hurts )

and most importantly ask for:

3.) the medical payment to be in a 1 lump sum, with extra grievance money in exchange for you signing an A&R ( agreement & release, basically a contract that says they gave you money and you cannot come after them for more )

do your homework, find out what kind of injury you may have sustained and GET PROOF, find out how much money you need, and add another 1,000 on their just to make you happy ( don't worry, it isn't fraud, they would offer it anyways for you to sign the A&R ) come at his insurance AFTER you have done your homework and know what you're entitled to and they will give you want you want. if not, get a laywer and get paid out the ***.


DON'T FORGET- you can get a rental car and claim that too, or, you can not get a rental car but STILL get money for one. it's called loss of vehicle and it's the law that they pay you for it until they settle the claim. if you missed work, you can claim your lost wages too.


ALSO, just for reference, my lancer was just totaled out and the "fair market value" was $8,800 so don't just expcet 2-5k ( mine was an 02 ES with 80,000 miles )

in the end, with NO injurys I got more than I paid for my car back, because I had some receipts for aftermarket parts and claimed them all, and the receipts I had lost I contacted the companys that sold me the parts and asked for copys, all were more than happy to help!

 

Have them do a contract repair... Have an estimate done through their insurance's qualified body/repair shop near you. After an estimate is drawn up, that's what the insurance company should pay you... Go to any shop now and have repairs done that might run cheaper than first estimated. That's how my wife's incident worked out.

 

do you have any limited depreciation clause on your car? i have it on mine and i have replacemaent cost so evgen iff my car was only worth 5grand they have to at least give me enough to get the same car back with no cost to me. so if all they can find is a car like mine for 10 they have to give me 10

 

Gap insurance is if you finance the car smart guy...then they pay the rest so you don't go upside down for them giving you a low amount for you totaled vehicle. If you pay for it outright, you don't get the GI. Why would they only give you 5k for your car? if you paid 17k for it 3 years ago??? Do they really depreciate that much??

 

as i said, fair market value for an 02ES with 80k mileage was 8,900 for me, i don't think ANY lancer would only fetch 5k

 

You're getting some sound advice here, grubiaco. I hope it all works out ok for you.

 

I had about 40k on my oz. How much do you think they will give me for my car. I still haven't received a phone call from the insurance.

 

9,500 - 10,000

i'm basing that off of 3 things:

oz trim costs more, and sells for more than es trim
less mileage than my es had
newer ( 03 instead of 02 )

 

WTF... Geico only gave me 6.500 for my LANCER ES 2002 with 59.000

 

you accepted that???

 

How do you fight them.. they told me to trade my Tiltle tommarrow and trade for the check What should I do? Keep the money... or keep a car thats messed up?

So if he has Geico expect around 5-7k for his car