Yep. Last night at a little after nine i totaled my 95 240. I was driving along a highway (and doing the speed limit for once) when a 2004 Dodge Hemi 2500 truck turned left right in front of me (Where there are about 10 signs that say no turns allowed= blind turn). From the time i saw him from time of impact was like half a second. T-boned him doing about 35-40. Air bags didnt go off, but my girlfriend and i both had our seatbelts on. We both walked away without a scratch, cept she rolled her ankle cause she had heels on. The car is messed up....
Fortunately for once its all in my favor...1. I was actually doing the speed limit2. I had not a drop of alcohol in me... for once3. It really was his fault4. Police showed up5. He was cited (two old people! get em off the road!)6. My insurance was current7. License valid8. 2 seperate valid witnesses stopped!!!!
The old man already called his insurance to tell him it was his fault, so thats cool. Have to get my strategy together when i return the agents call tomorrow. Got my lawyer ready, and im starting to get stiff and sore....
Oh, and i took a bunch of pics! ill take em to the one hour place tomorrow and post em. We can shed tears together...
-Jason
Totaled my S14 last nite...
-
NISMOdrift240
- Posts: 187
- Joined: Mon Jan 27, 2003 9:53 am
- Car: 1995 240SX AT 4-lug
- Contact:
-
Rockenreno
- Posts: 2891
- Joined: Sun Jan 05, 2003 5:48 pm
- Car: 1997 BMW M3
- Contact:
-
NISMOdrift240
- Posts: 187
- Joined: Mon Jan 27, 2003 9:53 am
- Car: 1995 240SX AT 4-lug
- Contact:
-
NISMOdrift240
- Posts: 187
- Joined: Mon Jan 27, 2003 9:53 am
- Car: 1995 240SX AT 4-lug
- Contact:
Start rounding up the reciepts for your mods/add-ons. You'll want those to couinter the adjuster's first offer. Keep in mind he's not going to offer you the most they'll give you for your car, it's almost like buying a car, you have to negotiate and defend the value of your car and accessories.
Search autotrader for some same year/same equip, that help justify your requested dollar amount.
Search autotrader for some same year/same equip, that help justify your requested dollar amount.
-
NISMOdrift240
- Posts: 187
- Joined: Mon Jan 27, 2003 9:53 am
- Car: 1995 240SX AT 4-lug
- Contact:
Rex wrote:Start rounding up the reciepts for your mods/add-ons. You'll want those to couinter the adjuster's first offer. Keep in mind he's not going to offer you the most they'll give you for your car, it's almost like buying a car, you have to negotiate and defend the value of your car and accessories.
Search autotrader for some same year/same equip, that help justify your requested dollar amount.
Its funny you say that... cause thats actually what i do for a living, negotiate for cars. I work for Nissan. I sell cars. So i fortunately have every reciept for every penny spent on file, the negotiating training i need, and free access to our dealerships lawyer... whom im told is feared by ins. companies in oregon!
-
XCrunner19420
- Posts: 242
- Joined: Thu Nov 28, 2002 4:06 pm
-
NISMOdrift240
- Posts: 187
- Joined: Mon Jan 27, 2003 9:53 am
- Car: 1995 240SX AT 4-lug
- Contact:
XCrunner19420 wrote:Not being seriously hurt, sounds like he is already ahead.
No kidding. Its so weird to. No airbags, and didnt hit my head on anything. Got out and walked around just fine.
Second car in a year i been in thats been totaled (first time driver) that i have walked away without a scratched. Last one was my friends 2001 Mitsu Galant. It was a drunk drift attempt. Basically he locked his ebrake up and we slid into a stone wall (my side) at 40mph.
I think someones watching out for me...
-
whiterps13
- Posts: 4217
- Joined: Sun Jul 27, 2003 9:45 am
- Car: white LE hatch
-
ShadowKnight006
- Posts: 650
- Joined: Thu May 22, 2003 7:09 pm
- Car: 95 240SX & 96 Altima
Ok I gotta agree with Seva on this one, too many people claim injury for no reason other than greed. C'mon guys, what if it was the other way around? Just because the other person has insurance doesn't mean your not hurting that person individually. It sounds like the guy was very honest and honorable in admitting it was his fault, don't make it worse on him for being a good person, we all make mistakes. NISMOdrift, it would seem you are atleast a little older than I am(20) to be a car salesman, so I would hope you would have the maturity to understand such things.
-
drifter_for_life06
- Posts: 5301
- Joined: Sat Jul 05, 2003 5:18 pm
- Car: Daily: '16 WRX
Toys: '92 RPS13 400whp
Exocet - Location: SoYoCo, PA
ShadowKnight006 wrote:Ok I gotta agree with Seva on this one, too many people claim injury for no reason other than greed. C'mon guys, what if it was the other way around? Just because the other person has insurance doesn't mean your not hurting that person individually. It sounds like the guy was very honest and honorable in admitting it was his fault, don't make it worse on him for being a good person, we all make mistakes. NISMOdrift, it would seem you are atleast a little older than I am(20) to be a car salesman, so I would hope you would have the maturity to understand such things.
I agree with Shadow about this.
Sorry to hear about your car, but it sounds like things will turn out all right for you in the end.
-
NISMOdrift240
- Posts: 187
- Joined: Mon Jan 27, 2003 9:53 am
- Car: 1995 240SX AT 4-lug
- Contact:
ShadowKnight006 wrote:Ok I gotta agree with Seva on this one, too many people claim injury for no reason other than greed. C'mon guys, what if it was the other way around? Just because the other person has insurance doesn't mean your not hurting that person individually. It sounds like the guy was very honest and honorable in admitting it was his fault, don't make it worse on him for being a good person, we all make mistakes. NISMOdrift, it would seem you are atleast a little older than I am(20) to be a car salesman, so I would hope you would have the maturity to understand such things.
Naw i agree with him too. I have no reason to go after the guy himself. He admitted fault and was very nice about everything, so this is between me and his ins. company.
Now his insurance company on the other hand, i wont just roll over and let die. I may be old enough (23) and adult enough not to cry wolf with fake injuries. But i am wise enough to know that most do. Insurance companies fear people like me right now cause of all the sleeze bags they have to deal with...and the real cases that cost em tens of thousands of dollars.
I am going to present my reciepts, replacement costs of my vehicle, and on top of that, tell them that with rising costs of insurance, and all the time and money attorneys take with cases like this, to make me an offer to just walk away.
(I already told them i was a little stiff and sore, but didnt know what it could be. I have to call em back today to get my rental car...Now i am real stiff and sore, i might go see a specialist...)
:ylsuper
Think NISMO Drift should pass on the medical injury comp because he is not bleeding from an open wound in his head? Think it is dishonest to expect or ask for this money? Think again.
If Nismo drift is ever has chronic pain of other issues later in life as a result of this jarring event do you think this insurance company is going to help him? No.
Do I think this insurance company will slip in a release of medical liability in his stack of release papers before they compensate him to repair the car? Damn straight they will. Why? Because they don't ever want to be held responsible for injury that not show up until much later in life...and yes SOMETIMES it will be years before a problem actually comes up medically.
If you not compensated for possible injury don't sign the medical release documents. Don't kid yourself into thinking you don't deserve some compenstaion even if you do not think you are seriously injured. You totaled your car. It wsn't your fault. You may be hurt. Get compensated!
If Nismo drift is ever has chronic pain of other issues later in life as a result of this jarring event do you think this insurance company is going to help him? No.
Do I think this insurance company will slip in a release of medical liability in his stack of release papers before they compensate him to repair the car? Damn straight they will. Why? Because they don't ever want to be held responsible for injury that not show up until much later in life...and yes SOMETIMES it will be years before a problem actually comes up medically.
If you not compensated for possible injury don't sign the medical release documents. Don't kid yourself into thinking you don't deserve some compenstaion even if you do not think you are seriously injured. You totaled your car. It wsn't your fault. You may be hurt. Get compensated!
-
NISMOdrift240
- Posts: 187
- Joined: Mon Jan 27, 2003 9:53 am
- Car: 1995 240SX AT 4-lug
- Contact:
-
912.0turbo
- Posts: 756
- Joined: Sat Jun 21, 2003 8:07 am
-
C-Kwik
- Moderator
- Posts: 8070
- Joined: Thu Aug 01, 2002 9:28 pm
- Car: 2013 Chevy Volt, 1991 Honda CRX DX
flyfishz wrote:Think NISMO Drift should pass on the medical injury comp because he is not bleeding from an open wound in his head? Think it is dishonest to expect or ask for this money? Think again.
If Nismo drift is ever has chronic pain of other issues later in life as a result of this jarring event do you think this insurance company is going to help him? No.
Do I think this insurance company will slip in a release of medical liability in his stack of release papers before they compensate him to repair the car? Damn straight they will. Why? Because they don't ever want to be held responsible for injury that not show up until much later in life...and yes SOMETIMES it will be years before a problem actually comes up medically.
If you not compensated for possible injury don't sign the medical release documents. Don't kid yourself into thinking you don't deserve some compenstaion even if you do not think you are seriously injured. You totaled your car. It wsn't your fault. You may be hurt. Get compensated!
This is about the most irresponsible post I've ever read. I work claims for a living. I have no problem with people getting compensated a fair and reasonable settlement. But in no way is anyone entitled to money just because they are involved in an accident. If an injury does not become apparent within a few days of an accident, chances are it probably never will. If there is no injury present at the time, you can choose not to claim anything, and if an injury arises later, then you can certainly claim it at that time. But it will be subject to credibility and your state's statute of limitations.
Keep in mind that generally, no medical liability releases are requested unless a payment for an injury claim will be made. And it is generally separate from the property damage claim which most companies do not request releases for(property damages are less subjective).
As far as the value of any injury claim, it is a case by case basis. You said it was worth $5K. I'm not sure if you were being sarcastic, but in any case, not everyone's injuries are the same, nor are everyone's ciircumstances the same. The same injury could be valued at different amounts for two different people. As an example, a scar on the face of a single person is worth more than on a married person. A person who has an injured right wrist would likely have a higher value if they are right hand dominant, rather than left hand dominant. There are a large number of factors to be considered. Injury settlements are never just as arbitrary as saying this type of injury is worth X amount of dollars.
And as victimless as you might think inflating or pursuing a false claim might be, it is not. We all as policyholders who pay premiums are the ones who actually pay for these claims. Insurance companies like any business need to try and make a profit. If they do not, there is no point to keeping the business open and if they are losing money, then it will go under. So if claims expenses and payments go up, so do premiums. Think about it.
I'm not expecting you to know all this, but try to think about the big picture when posting.
-
C-Kwik
- Moderator
- Posts: 8070
- Joined: Thu Aug 01, 2002 9:28 pm
- Car: 2013 Chevy Volt, 1991 Honda CRX DX
NISMOdrift240 wrote:Insurance companies fear people like me right now cause of all the sleeze bags they have to deal with...and the real cases that cost em tens of thousands of dollars.
I am going to present my reciepts, replacement costs of my vehicle, and on top of that, tell them that with rising costs of insurance, and all the time and money attorneys take with cases like this, to make me an offer to just walk away.
I doubt they fear you. It's not like claims adjusters don't deal with this on a daily basis. The most expensive claims are usually the ones that are litigated. Only a far percentage of claims make it that far. And that's usually because both sides do not want to risk losing or not getting at least what the last offer was.
Any settlements will be on the merits of your claim. Rising costs of insurance would not be a factor. You would be paying that anyways. It's not an additional cost as a result of this loss. And plaintiff attorneys are paid based on a percentage out of your settlement. And no consideration is given for this. You are not required to have an attorney to settle an injury claim so it is not something the insurance companies pay for. I'm sure if you presented your claim in that manner, they would give you a similar explanation.
As far as providing documentation for your total loss, there is usually no need to do so unless they are not considering a portion of your loss, or there is a disagreement. Insurance companies will usually run a valuation to determine the market value of your vehicle. And keep in mind, any mods are not adjusted on a dollar for dollar basis, but what the mod adds to the value of the vehicle. Usually this is less than what you paid. Most people tend to better off removing the usable aftermarket parts to sell or reuse on their next car.
I'm not flaiming you here...just trying to give you some realistic expectations.
C-Kwik -- No offenese buddy, but talk about pulling the company line... I suppose your partime job is with the IRS-- Maybe it was you that called me and said "I am from the IRS and I want to help you..."
The insurance industry is the most abusive industry in the country. From dictating inadequate treatment for patients with terminal illness to trying to pay the absolute minimum allowable on ligit claims. There is no such thing as as having a freind in the insurance adjustment business.
I don't usally go off like this, but don't pretend your industry is out for the greater good. Call like it is... you work in a greedy industry that looks to cut any angle possible. Maybe that is because some people are really trying to screw you, but our NICO freind here is a victim. Fix his car, pay him for the hassel, copnestae him for his discomfort and jack up the rates on the guy that caused that accident... Don't worry... you will still find a away to make a profit.
The insurance industry is the most abusive industry in the country. From dictating inadequate treatment for patients with terminal illness to trying to pay the absolute minimum allowable on ligit claims. There is no such thing as as having a freind in the insurance adjustment business.
I don't usally go off like this, but don't pretend your industry is out for the greater good. Call like it is... you work in a greedy industry that looks to cut any angle possible. Maybe that is because some people are really trying to screw you, but our NICO freind here is a victim. Fix his car, pay him for the hassel, copnestae him for his discomfort and jack up the rates on the guy that caused that accident... Don't worry... you will still find a away to make a profit.
couple things, flyfishz,
1. c-quik is obviously NOT representing the company that nismodrift will have to deal with. you're personifying him as that company, and its not really fair
2. I dont think he was supporting the insurance company's tactics, merely laying them out so nismo will know what to expect. He isnt saying that the victim SHOULDNT get compensation for whatever whatever, he's merely saying that he PROBABLY WONT.
3. We all have problems with insurance companies, but before you go off calling them the "most abusive industry in the country," understand the population that they have to deal with. I guarantee EVERYONE here has, or at least knows a friend who has blown a claim up to more than it was worth, or cheated the insurance company in some way. They may be underhanded sometimes, but understand also that insurance companies deal with a clients that are ALSO out to cut any angle possible. It works both ways.
1. c-quik is obviously NOT representing the company that nismodrift will have to deal with. you're personifying him as that company, and its not really fair
2. I dont think he was supporting the insurance company's tactics, merely laying them out so nismo will know what to expect. He isnt saying that the victim SHOULDNT get compensation for whatever whatever, he's merely saying that he PROBABLY WONT.
3. We all have problems with insurance companies, but before you go off calling them the "most abusive industry in the country," understand the population that they have to deal with. I guarantee EVERYONE here has, or at least knows a friend who has blown a claim up to more than it was worth, or cheated the insurance company in some way. They may be underhanded sometimes, but understand also that insurance companies deal with a clients that are ALSO out to cut any angle possible. It works both ways.
-
StrangeLove
- Posts: 2502
- Joined: Tue Dec 02, 2003 11:35 am
- Car: 1995 Nissan 240sx
-
C-Kwik
- Moderator
- Posts: 8070
- Joined: Thu Aug 01, 2002 9:28 pm
- Car: 2013 Chevy Volt, 1991 Honda CRX DX
You are certainly entitled to your own opinion. Frankly, you've only stated your opinion and said nothing to support it. I responded to your post because it is irresponsible. Even if insurance companies were ripping people off, does that make it right to ask for more than what is reasonable and fair? 2 wrongs do not make a right.
And certainly, the insurance companies are out to make money. They are a business. Saving money helps them to be competetive. Being competetive helps them to make more money. This benefits the customers(lower rates) just as much as it does the insurance companies. But I can't think of one insurance company that isn't going to try and settle a claim for a reasonable amount. It wouldn't be wise of any insurance company to do otherwise. The government already regulates the industry enough as it is. Poor claims handling, especially in 3rd party claims would have movements towards allowing 3rd party bad faith suits again. 1st party bad faith suits are bad enough as it is. It's truly in the best interest of any insurance companies to make a fair, reasonable and timely settlement of any claim.
Certainly, there are claims out there that were poorly handled or where bad decisions were made. It happens. Adjusters are only human. But considering the 100+ claims a month a typical auto adjuster handles, do you think it would be easy or effective to get into a confrontation on every claim? Claims would end up backed up for months. Adjusting claims is already in te top 10 most stressful jobs. I certainly wouldn't want to create more work for myself.
As far as the "victim" being a NICO friend, that's irrelevant to how a claim should be handled. I would hope all claims are handled fairly, regardless of who is a party to the claim. And as I've said before, I have no problems with a person receiving a fair and reasonable settlement. I do have a problem with irresponsible statements that imply we should try and get whatever we can from the insurance company. And what does jacking up the rates do? Of course I would expect his rates to increase, but not based on the claims cost, but on the risk he brings as a policy holder. Not only would increasing rates based on claims cost be immoral(an insurance company could then pay out whetever they want and then charge the policyholder more since they paid more), but it wouldn't be smart business. Statistically, the driver would fit in a certain new risk tier. If the claim was expensive and the premium increase was determined by that, well guess what, some other company will probably be writing him a policy for less. Losing customers unnecessarily is not really good for business. But then again with a statment like: "Don't worry... you will still find a away to make a profit." I'm sure you'll make a really good businessperson.
I had an attitude towards insurance similar to yours once. When I started working in claims, it truly opened my eyes to a much bigger picture and what insurance is truly there for. While I have no expectations that you change your opinion, I only say this so that perhaps you at least think about the things most people who aren't in the industry don't see or understand. When I form an opinion about who is at fault in an accident, I try to gather as much detail as possible. An informed decision is a good decision. And I try not to be closed-minded about my decisions after I make them. You never know what else you might be missing.
"There is no such thing as as having a freind in the insurance adjustment business."
I'll be sure to mention this to my friends. Oh wait, I must not have any.
And certainly, the insurance companies are out to make money. They are a business. Saving money helps them to be competetive. Being competetive helps them to make more money. This benefits the customers(lower rates) just as much as it does the insurance companies. But I can't think of one insurance company that isn't going to try and settle a claim for a reasonable amount. It wouldn't be wise of any insurance company to do otherwise. The government already regulates the industry enough as it is. Poor claims handling, especially in 3rd party claims would have movements towards allowing 3rd party bad faith suits again. 1st party bad faith suits are bad enough as it is. It's truly in the best interest of any insurance companies to make a fair, reasonable and timely settlement of any claim.
Certainly, there are claims out there that were poorly handled or where bad decisions were made. It happens. Adjusters are only human. But considering the 100+ claims a month a typical auto adjuster handles, do you think it would be easy or effective to get into a confrontation on every claim? Claims would end up backed up for months. Adjusting claims is already in te top 10 most stressful jobs. I certainly wouldn't want to create more work for myself.
As far as the "victim" being a NICO friend, that's irrelevant to how a claim should be handled. I would hope all claims are handled fairly, regardless of who is a party to the claim. And as I've said before, I have no problems with a person receiving a fair and reasonable settlement. I do have a problem with irresponsible statements that imply we should try and get whatever we can from the insurance company. And what does jacking up the rates do? Of course I would expect his rates to increase, but not based on the claims cost, but on the risk he brings as a policy holder. Not only would increasing rates based on claims cost be immoral(an insurance company could then pay out whetever they want and then charge the policyholder more since they paid more), but it wouldn't be smart business. Statistically, the driver would fit in a certain new risk tier. If the claim was expensive and the premium increase was determined by that, well guess what, some other company will probably be writing him a policy for less. Losing customers unnecessarily is not really good for business. But then again with a statment like: "Don't worry... you will still find a away to make a profit." I'm sure you'll make a really good businessperson.
I had an attitude towards insurance similar to yours once. When I started working in claims, it truly opened my eyes to a much bigger picture and what insurance is truly there for. While I have no expectations that you change your opinion, I only say this so that perhaps you at least think about the things most people who aren't in the industry don't see or understand. When I form an opinion about who is at fault in an accident, I try to gather as much detail as possible. An informed decision is a good decision. And I try not to be closed-minded about my decisions after I make them. You never know what else you might be missing.
"There is no such thing as as having a freind in the insurance adjustment business."
I'll be sure to mention this to my friends. Oh wait, I must not have any.