So my car was totaled a few nights ago by a college student who fell asleep at the wheel. She ended up slamming into the back of my car while it was parked in front of my apartment (street parking is all that’s available). It was so loud that it woke me up. She wasn’t injured, the police came and took all of our insurance information, and both of our vehicles were towed. I have been in contact with her insurance agency and she had already made a claim and admitted fault seeing as I wasn’t even in my vehicle. I talked to my insurance but wanted to file with hers so I wouldn’t have to pay a deductible. Her insurance agent said she was fully covered and I could get a rental vehicle and that I would be fully reimbursed for it.
Fast forward to today. I called her insurance agent back because I hadn’t heard anything. He said the claim was canceled because she hadn’t been making payments so she wasn’t insured with them anymore and now I would have to file under my insurance. They were going to send me a letter to inform me instead of calling me back. I mentioned this to my insurance because it sounded fishy for her to have already filed a claim with them and gotten a claim number. My insurance doesn’t cover rentals and I would have to pay a larger deductible for being hit by an uninsured motorist. I filed a claim with them but they advised I take her to court to claim the rest. I am now paying over $1000 already and they haven’t even inspected the vehicle yet or hired a lawyer. I just graduated college last semester and have a very small emergency fund ($2500). I had just finished paying off my vehicle (2014 Mazda CX-5) last month and I had just put all new tires on it two weeks ago which totaled around $600.
I looked at the same model vehicle in my area and have an idea on price. Do I need to make sure the settlement includes sales tax and dealer fees? Could I put the receipt for the tires in the claim? I contacted her today and left a voicemail but I’m almost positive she won’t call back. I know she is probably broke since she’s in college (hell I was and still am) and I wanted to give her a chance to make amends without lawyers. Any suggestions on what I should do or where to go from here? Any advise would be great because I’m very new to all of this.
Thank you my Reddit heroes.
Submitted April 26, 2018 at 09:59PM by Coarez https://ift.tt/2HW1byz
