You will learn that right of way means nothing and that avoiding accidents by all possible means is the best way to go. This isn't meant to be an insult, and the accident might have been completely unavoidable. Things like you have the "right of way" and changing lanes instead of braking are signs you are not a mature, defensive driver. Even on a POS Dodge, the full brakes allow you to steer better, and give you more time to stay away from danger.
I appreciate the criticism and perhaps you are right. But in the heat of the moment I honestly thought he would see me when I switched lanes and he would stop, but his blind ass just kept going. Cops and paramedics were all over his ass while I was just standing next to my ruined truck . Several motorists passing by shook their heads in disbelief at me like if somebody died.
LOL, he always places blame on the blind ass driver that didn't recognize his authority to occupy that lane, carte blanche. This, I can tell you, is the majority of how Texas drivers think. Don't get in my way and we won't have any trouble, buddy. I have never lived in a state with more clueless and inconsiderate drivers as there are in Texas. Not to bring up a touchy subject, but only in texas would there have been a 200 car pile-up on a foggy morning since the fog, it appears, should recognize that I am on the road and get out of my way.
Doesn't matter what you think, miserable troll. The cops who arrived didn't even bother to question me as it was clear as water who was at fault.
The insurance carrier can consider your vehicle a total one of two ways: it can be a structure total (ie no matter what the cost, the vehicle can not be practically restored to preloss condition) or it can be a constructive total loss (this is where the insurance companies repair exposure (cost of repair plus loss of use plus potential diminished value) would exceed total loss exposure (actual cash value (which is replacement cost minus depreciation) plus TTL minus salvage value (which is what the insurance company can sell the vehicle for in its post loss condition)). Contrary to popular belief, most carriers dont use a fixed threshold % to determine a constructive total loss, but rather the aforementioned acv/ttl minus salvage. On average this can be around 75%, but depending on the vehicle can range from 65% to 85‰. Based on such, neither you or an attorney are going to have much say so om how much you get for your repairs. That amount is fairly objective and is determined by the insurance company appraiser and the repair shop of choice. Unless there are injuries or a liability dispute, an attorney will just lose money for you. If it is repaired, you will have the choice of repair shop, although the insurance can refuse to warranty the repairs. Given the age of your vehicle, most carriers will only use OEM parts so I wouldnt worry about used and/or aftermarket parts, although if they do, I wouldnt worry much about it. On your upgrades, only if it is a total would you normally need to be concerned about not having it covered, and thats only if you file with your own insurance company (who can limit how much coverage you have for upgrades if you didnt notify them you had them). If repairable, both your insurance company and the other will consider the repair or replacement cost on the damage appraisal. Hope all that helps and clears up any misinformation.
If you link up with a reputable repair shop that the insurance trusts and doesn't send out an adjuster for anymore they can help you make a case for whichever way you want to go.
Not really. If they are an approved facility, they have a lot of oversight and follow the same appraisal rules that the insurance staff appraisers follow.
They can persuade the company one way or the other. I don't even see how it is possible to disagree with what I said.
Thankfully you survived. But dem stereotypes doe. Your post, contextually, could have just been the stuff between "begin" and "end."
They give an estimate, they can push for repairing it or declaring total loss. You can say not really all you want it happens all the time. If they have cars backed up they ask for total, if they need work they push for repair. The estimate doesn't change.
My truck got structually ruined and I hope the insurance doesn't try to dick around and tell me that it's repairable. The lift alone was $6,700.
Not interested in a pissing match. Based on my 22 years as a body shop estimator, body shop manager, independent auto appraiser, licensed auto insurance adjuster and ASE and I-CAR Platinum certified physical damage appraiser and I-CAR Instructor who has handled over 20,000 auto claims, you are wrong. An insurance company cares about their exposure. They never factor in a shop's workload. Sorry.
