Totaled or no?

[kah.mun.rah]

He was speeding away from running a bus stop with kids + on his phone delivering Amazon packages out of his own car.

Dang! Hopefully you both aren't insured by Geico.

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[Alyssa s]

Dang! Hopefully you both aren't insured by Geico.

I’m not too sure about him but I am and so far they have been super good to me

 

[kah.mun.rah]

I’m not too sure about him but I am and so far they have been super good to me

Since it isn't your fault they will be good to you. If he is covered by them or if he isn't insured, look out! They don't like taking money from themself. I am surprised that you haven't been working with his insurance from day 1. They are the ones that should be giving you the payout quote and requesting where to get the repair estimate from.

 

[Spank]

He was speeding away from running a bus stop with kids + on his phone delivering Amazon packages out of his own car.

So are you on the hook for the remaining loan balance or is your insurance company going after his for it?

 

[Alyssa s]

So are you on the hook for the remaining loan balance or is your insurance company going after his for it?

Yes it is

 

[AcesandEights]

He was speeding away from running a bus stop with kids + on his phone delivering Amazon packages out of his own car.

He was using his personal car for business use...excluded act and maybe no coverage. I didn't read all of the replies, but best to go through your own insurance and have them subrogate if they can. It's a bit more of a pain on your end (deductible), but you don't have to wait for his insurance carrier to determine coverage/liability. Hopefully all works out as it should.

 

[Alyssa s]

Since it isn't your fault they will be good to you. If he is covered by them or if he isn't insured, look out! They don't like taking money from themself. I am surprised that you haven't been working with his insurance from day 1. They are the ones that should be giving you the payout quote and requesting where to get the repair estimate from.

He didn’t put a claim or anything in until like Saturday I put mine in right away and they were just waiting on him and all his stuff he keeps dragging this out and I think he knows someone in the police department or something because they screwed up the police report badly too. Everything is fishy about this dude and whole situation.

 

[Alyssa s]

He was using his personal car for business use...excluded act and maybe no coverage. I didn't read all of the replies, but best to go through your own insurance and have them subrogate if they can. It's a bit more of a pain on your end (deductible), but you don't have to wait for his insurance carrier to determine coverage/liability. Hopefully all works out as it should.

Thank you. It wasn’t even his car too! It was his dad’s.

 

[AcesandEights]

Permissive use, business use, aye!

 

[Ratbert]

So the “no airbags=no total” myth dies again.
And again, and again, and again.

@Alyssa s Sorry about your Jeep. I hope you are able to get another one quickly.

I wonder if @JLfromCA got upset about being corrected and said something "inappropriate". Apparently he got banned.

 

[rohdawg]

I wonder if @JLfromCA got upset about being corrected and said something "inappropriate". Apparently he got banned.

It was only a matter of time for that guy.

 

[Overkill]

It was only a matter of time for that guy.

I didn't really want to say I saw some warning signs in a few threads.

 

[kah.mun.rah]

My experience with Geico:

Scenario A: My fault, other person not a Geico customer
Before collecting all of the facts (which later I discovered the accident actually wasn't my fault), Geico cut them checks right and left and doubled my premium for the next few years.

Scenario B: Other person's fault, both of us Geico customers
Other drive was underinsured. Geico used my policy instead of theirs. Instead of finding comparable Wranglers with the same options, Geico found striped down base model Wranglers for the pay out and then added "credits" for the options mine had (i.e. they gave me a $500 credit for my $2,500 auto transmission package, $75 for my $1,465 LED package, $200 for my $995 safety group package, $100 for my $845 tow package, $400 for my $1,625 leather package, $0 for my $1,745 steel bumper package, and $500 for my $1,545 hardtop package.) They gave me $0 for my mods. Overall I lost close to $20,000 (how much extra I had to pay to buy a used Wrangler exactly like the one that was totaled).

Scenario C: Other person's fault, other person not a Geico customer
Geico would not do anything to represent me or help me with my claim with the other company.

 

[AcesandEights]

@kah.mun.rah but did you die?

You stayed with Geico longer than I would have. Masochist-much?

 

[wibornz]

Hey everyone so today I got a in car accident and just wanted to know what people think I would be super bummed if it is totaled but im just waiting on to hear back from the shop it’s at. It’s only on one side too. Other side is fine beside driver wheel bent in. Little edit: I just hit 98k that morning and only had it about a year and 3 months. Along with its a 2014 and I’m the second owner and still owe on it.
Another edit- guy knows someone at police station so trying to blame me and play pitty, cops fucked up the report putting me down as him and him down as me. (Going his way him going my way) so far going smooth and easy body shop is wanting to total it but I will be able to pay it all the way over with a little extra. (Safety reasons driving 5hrs to college).

t

And this is just one of the reasons I run a dash cam.

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