I had a similar experience with someone who came to a complete for a stupid goose wandering across a busy arterial. Didn’t cause an accident but backed up traffic…I went around; the goose moved rather quickly as I drove slowly into his space…. Geese are as numerous as sparrows where I live….
lol
Not to crap on your thread, and I'm glad you're OK. Accidents happen which was the point I tried in vain to make to those guys in the other thread. You didn't see stopped traffic on a blind hill and tried to avoid a collision. It happens and that's why we have insurance. It's no different if it happens on a dirt road or in the dunes. File the claim, get it fixed, and just be glad everyone's OK.
It's the liability coverage they're talking about. Never disclose your liability limits to anyone no matter what they are.
I got ya man, from here on out I’ll try to keep post in the spirit of the forum. Thanks for the input
No, I'm pointing out that accidents happen on and off road. Some members act like an accident off road was intentional or negligence and shouldn't be covered. I'm all for sharing your experience and I appreciate seeing how well the Jeep seems to hold up to a pretty significant impact. It happens and so long as nobody is hurt it's no big deal. Glad you're OK.
I've been with USAA for 33+ years. I know how they used to do things vs how they do them now. You used to call in and speak with a person to report an accident/file a claim. Now you do it through the app, with no opportunity to speak with a sentient being. The app asks a number of very unspecific questions and can make really dumb decisions based on your yes/no answers to poorly selected questions. For instance, after my hit-and-run, I was able to change a tire and drive the Jeep back to my home. However, the front suspension and steering were significantly out of whack. It was OK to get it off the road and home, but I didn't want to drive it down the mountain, into Denver in that state. The app asked me if it was "safe to drive". I answered "No." From that single question and response, USAA's dumb app leapt to the conclusion that it was likely totaled and they were sending a wrecker to take it to Copart. There it sat languishing and after 10 days wasted, they figured out it wasn't totaled, USAA finally called and said I needed to tell them where to have it towed then to get repaired. Of course, Copart pulled one of the plates so that when I finally did get the vehicle back, I had to go through the process of getting new tags for it. None of that would have ever happened before or even if I had the option to halt the Copart tow.
Oh, gotcha. I’m still relatively new to the community so I don’t know the individuals in question. I appreciate the clarification and agree with you 100%! and yeah, thank god everyone walked away, except the Nissan lol. Hope that family is still good. Everyone was very cordial and shook hands at the end. I talked to the adjuster and Repair Shop today. Driving my JL to the shop tomorrow morning. All this place does is work on jeeps so I’m hopeful. Thanks again.
So I got a call from my adjuster asking me to sign a form to do exactly that. Progressive wanted to know my coverage limit. Assuming my adjuster has my best interest in mind I signed it. The other car is a total loss. He said me signing the form was to protect me.
Update: when I was talking about the Repair Shop hooking me up with a steel bumper and winch in place of the original OEM bumper because they cost about the same price. If everything goes according to plan, this is what I should end up with once I get the jeep back!Was driving down a road at about 35mph and crested over a hill and there was stand still traffic. Unusual because the road never has traffic, except for today. So I slam on the brakes, swerve right, and clipped the car in front of me.
Pretty sad about the whole thing but thank god everyone walked away uninjured.
But the other vehicle got towed.
Just a reminder, stay frosty folks.
Jeep is still drivable, but it definitely got messed up in the wreck. We’ll see what insurance does. That’s how the cookie crumbles!!!! lol
Was driving down a road at about 35mph and crested over a hill and there was stand still traffic. Unusual because the road never has traffic, except for today. So I slam on the brakes, swerve right, and clipped the car in front of me.
Pretty sad about the whole thing but thank god everyone walked away uninjured.
But the other vehicle got towed.
Just a reminder, stay frosty folks.
Jeep is still drivable, but it definitely got messed up in the wreck. We’ll see what insurance does. That’s how the cookie crumbles!!!! lol
I had a few not at faults over the decades and USAA has taken care of me every time, but everytime they send an adjuster my vehicle is already at a shop with my mechanic ready to give them the run down of exactly what needs to be fixed. Did you do that or just had the adjuster look at it by themself?
I don't have any real advice. If it was my situation and I was being asked to sign a form for the other guy's insurance company regarding policy limits, I'd probably be speaking with my own insurance company about what I should and shouldn't do, and/or seeking real legal advice.
