Car Accident tonight!

Mita · November 20, 2005

Sending you good vibes that you are doning better today. But like others have commented please get yourself checked out.. Whiplash is nothing to mess around with..

coyotegirl · November 20, 2005

Oh Tammy, How terrible! Hope you are feeling better today. Take care of yourself!

DevilMayKare · November 20, 2005

Oh Tammy, that is a frightening experience. Please go to the chiro tomorrow and get adjusted for whiplash. This will be paid for under your medical coverage with no deductible up to the limit (average is $1,000). It's already a chargeable accident w/ bodily injury so as far as your insurance there is no reason not to go.

I hope you have rental car coverage. IF your car can be fixed (& my guess is it's a total) it almost always takes over a week. Start shopping now because w/ most policies the rental car benefit runs out 5 days after the car has been determined a total. (Even if you have 30 days coverage.) If you have comp & collision (I HOPE) the ins will pay you "Acutal Cash Value" which is what you could have sold the car for. This is partially based on blue book, but also on what like-cars are going for in the ads. I would suggest you print-out both items from the websites (KBB.COM & AUTOTRADER.COM---or whatever is in your area) and fax them to the adjuster along w/ an itemization of any reason your car might be worth more (just got new tires, etc...) What they will offer you in a pay out varies greatly among companies, but I do think you are likely to get a better offer if you document (Not verbally--in writing) these things. Insurance companies don't want to mess w/ people who put things in writing.

I'm a Mercury agent out here in CA and have also worked for State Farm so I know a lot about how these things work. Another state some different rules might apply--but I doubt it. And I am currently on the "claiment-end" of this as my son was the middle car in a 3-car on the fwy last weekend. His car was declared a total. Even tho it didn't LOOK like a total, the back flooring was wrinkled (common) and that costs a lot to fix. We haven't been offered a buyout amount yet, but you'd better believe I did the above. I HAVE seen people question the ACV amount & have seen it increase by as much as $800 after documentation.

Iluvharleys · November 20, 2005

Awwww, sorry you have to go through this. Sometimes problems won't show up for a few days, so if you are feeling pain, you need to go have a check up. Hugs, and hope you feel much better.

paula · November 20, 2005

Tammy,

here's a big ole' bear hug, from us - to you....

((((( H U G S )))))

Remember, its an accident. An ACCIDENT! No one plans for these things to happen.

Hang in there!

tambonzjo · November 20, 2005

Thanks all for your support! I am feeling pretty good today but haven't gotten out of my PJ's yet, just layin around. My neck isn't really too stiff but I have a good friend that is a Chiropractor and will treat me when ever I call him. I may call him tommorrow, I will see how I am feeling.

The car didn't really look that bad this morning. It is still very drivable. It is a PT cruiser convertible. I could propbably clean all the black off from the other guy's car and it would probably be ok. Yes I have rental car insurance and when I bought the car I had that thing put on the note about if it was totalled they would pay the loan off completely, not just what is owed.

Mom just called, LOL!! She is having car trouble but is still in Abilene at a friend's house. They know a mechanic that works for a dealership and he is checking it out.

I am bored sitting here at the house. I am going to work to try to make my Monday a little easier. Maybe a movie too. I have a coupon for a free movie down the street from my office. I wonder what is showing. But I will take it easy and find some Advil, I never went and got any last night. Maybe get something to eat. A shake sounds good...thanks for all the advice everyone...I love you guys!!!!