Autopia.org - View Single Post - I was rear-ended today at a stop light

soccerjunky · 11-30-08, 03:33

First.... call your own insurance....they should schedule an adjustor to look at your car and write you a check for the repairs with the body shop name on it... if there is no lien on the car they will write the check to you.. they will then pursue payment recovery from the other insurance once they get the police report...this way you can get your car fixed asap.. you will not get your deductable until your insurance collects on payment recovery...btw you choose the body shop so shop around... ask them where they order the parts .. it's your right

SECOND... your car has now significantly reduced in value(even when repaired) because it has an accident which appears on the cars history...GET the car fixed and then go back to the dealer and ask the dealer how much the car has depreciated in value because of the accident history... get the dealer to put that in writing and also the fact that the car has not been involved in any other accident... then take these documents and file a "diminished value" claim with the at fault insurance... it takes time but is worth the money .. trust me.. i was fortunate my dealer is also a lawyer..

Third go to a doctor to evaluate your spine.. save the medical bills and contact the at fault insurance....the insurance can't deny you just because you didn't go to the hospital...infact they should love you for going the cheaper outpatient route

get a lawyer if your doctor thinks you have suffered pain and suffering or any time the at fault insurance gives you a hassle

good luck........

not to long ago an 18 wheeler had a blow out on the hwy... the whole tire pretty much stayed intact other than the inner wall... it hit a Jag infront of me and totalled that car... then it hit my car and did 9k in damage.... i managed to track down the 18 wheeler and the at fault insurance paid for the jag , my damage, and my "diminished value" claim.....NOONE will tell you about the diminshed value claim but trust me the at fault insurance will know what it is...On a 09 car you should have a great claim

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11-30-08, 03:33	#4 (permalink)
soccerjunky Registered User soccerjunky is offline Join Date: Nov 2008 Posts: 115	Re: I was rear-ended today at a stop light First.... call your own insurance....they should schedule an adjustor to look at your car and write you a check for the repairs with the body shop name on it... if there is no lien on the car they will write the check to you.. they will then pursue payment recovery from the other insurance once they get the police report...this way you can get your car fixed asap.. you will not get your deductable until your insurance collects on payment recovery...btw you choose the body shop so shop around... ask them where they order the parts .. it's your right SECOND... your car has now significantly reduced in value(even when repaired) because it has an accident which appears on the cars history...GET the car fixed and then go back to the dealer and ask the dealer how much the car has depreciated in value because of the accident history... get the dealer to put that in writing and also the fact that the car has not been involved in any other accident... then take these documents and file a "diminished value" claim with the at fault insurance... it takes time but is worth the money .. trust me.. i was fortunate my dealer is also a lawyer.. Third go to a doctor to evaluate your spine.. save the medical bills and contact the at fault insurance....the insurance can't deny you just because you didn't go to the hospital...infact they should love you for going the cheaper outpatient route get a lawyer if your doctor thinks you have suffered pain and suffering or any time the at fault insurance gives you a hassle good luck........ not to long ago an 18 wheeler had a blow out on the hwy... the whole tire pretty much stayed intact other than the inner wall... it hit a Jag infront of me and totalled that car... then it hit my car and did 9k in damage.... i managed to track down the 18 wheeler and the at fault insurance paid for the jag , my damage, and my "diminished value" claim.....NOONE will tell you about the diminshed value claim but trust me the at fault insurance will know what it is...On a 09 car you should have a great claim [IMG][/IMG] [IMG][/IMG] [IMG][/IMG] __________________ 08 viper - 675hp - "king of the ring" 07 F430 09 challenger srt8 2010 camaro SS Last edited by soccerjunky : 11-30-08 at 04:00.