Asmoran

Read your police report. It will clearly say that the kid was at fault, and there is nothing the kid or his parents can do that will affect how the insurance fixes your car. In everything you've written, I don't see any reason for you to be freaking out and talking about lawyers.

canaryrx8

iTrader: (3)

that's cool, the pinching was what I was concerned about. The guy at the bodyshop did tell me me the hood was bowed and that it would be getting replaced, along with all the stuff on the front etc. I don't know if you can tell from the pics but I can't even open it, so it may all be held together right now just by the wreckage, bumper was pushed on top of the hood and so it's wedged shut. I can't believe people are so assholish on here to think this is my fault, I mean , holy crap. I'm driving to work on Thursday, lady in front of me stops short, I see it in plenty of time, stop as well, and then bam. Sitting at work fighting over the phone with insurance people trying to explain to them there were 3 cars hit, we were all stopped etc etc and they're all like "we'll file it under yours and figure out the rest later" and a couple of seconds later I get to relive last years' hail damage all over again, only not quite 9 grand worth. To all the folks giving me **** and who think this is my fault, thanks a lot, it's awesome to have your prized possession ruined by some punk *** hs kid who doesn't even care, then catch **** about it on here as well. oh well, lesson learned for next time.

Feras

iTrader: (1)

your raates will not go up for an accident where you were not at fault.

yiksing

Canaryrx8, definitely get everything replaced without paying a dime, if someone trying to get away, get a lawyer.

Chrisbert

Canary, just to be clear I don't think this is your fault. Don't let people get you down about it.

SilverEIGHT

Canary, yea, me too. I don't think it was your fault and I hope you didn't take it that way. My posting Aratinga's car was not meant in anyway to discredit you but to simply say your damage could have been worse. Her car was not a total (should have been) so I think repair of your car should not be a problem, especially since you did not get if from both ends simultaneously.

Coming from a fellow accident victim (which I did total mine) I do wish you the best in the recovery of your baby. I know the problems associated with dealing with insurance companies very well and also the emotional issues dealing with the damage to your most prize possession.

If you took my post to be negative, I do apologize and extend my hand to you.

vegeta

sorry about the accident. Glad you were able to walk away without being hurt.

canaryrx8

iTrader: (3)

no offense taken at all, there were a few posts on here that seemed to question my fault and I know the back looks almost normal compared to most rear end collisons (which utterly blows my mind and is making this whole thing a lot harder than it should be), but I can assure anyone reading this I'm not the slammer, I'm the slammee. If they didn't total out Aratinga's after that mess, than I should probably quit car shopping and expect to keep mine then. (thank God, I don't want another car,I just want mine right) I'm sorry to hear yours was totaled Silver, apology accepted, no harm no foul. I'm sorry if I seem a bit on edge in my posts, but you can probably imagine why I would be.

ferretguy12

I used to be an insurance claims rep in MN, so I can only say how it works here - it probably works a little different in TX, but shouldn't be too different. First, you have two options - place the claim with your Ins. Co., pay your deductible, and get the car fixed. You Ins. Co will then go to arbitration with the other guy's company and if your company wins, then your deductible will be refunded to you (that can take up to a year or more). Option #2 is to try to deal with the other guy's ins co directly and if they will pay 100%, then you don't need to deal with your deductible. Even if he has your same insurance company, they should pay the claim through the other guy's policy if they find him 100% at fault, and in that case you would not pay your deductible. Only use a lawyer as a last resort. He very well may get you a 100% reimbursement, but then you'll have to give him something in the neighborhood of 1/3 of that, so you still lose!! Besides, very few lawyers will be interested in working a case that does not have an injury involved - not enough $$!!!
There was also a mention of the fact that your insurance will not increase if it is not your fault - that's not exactly true - they will take your accident history into account when renewing your policy. At fault accidents are definitely worse, but if you have multiple claims (hail, glass replacement, not-at-fault accident) in a short period of time, they will likely raise your rates or cancel your policy. Do I think that it is fair or ethical? No, absolutely not, but that is the way that it works...
Like I said, Texas insurance could be quite different from MN insurance, so keep that in mind when reading my comments. I hope everything works out for you!

canaryrx8

iTrader: (3)

cool, thanks for the info.

BlueEyes

Ouch, shitty deal. But, now we know why when we stop in traffic we leave stop a few car lengths behind the people infront of us.

canaryrx8

iTrader: (3)

yup, even leaving space is no good when yopu're hit from behind as hard as I was, unless of course I'm over 15 feet back or something, and anyone who drives in Austin traffic in the mornings can verify that there is no way in hell anyone can pull that off.

Dropped the car off today, driving an exploder right now. Bodyshop owner and some of his help said frame should be okay, maybe tranny, core support, hood latch blah blah blah, but no frame damage from what he could tell. They also confirmed everyone's comments on the gaps on everything, said it may have been thrown off from the hail damage repairs etc. from last time. So my hope is that everything gets fixed and I'm not out a ton of money, but we'll see. There's some question on the new hail damage and if their pdr guy can handle it, or if I'll need to make another claim (+ another 500..ugh) but they seem to want to work with me so I'll keep everyone posted. I'm already way more impressed with this shop, the owner sat and spent about 45 minutes bs-ing with me about the car and telling me we still might be able to pull off a surprise or something

SilverEIGHT

"Surprise"! MS Nose?

canaryrx8

iTrader: (3)

well the ms nose is out of my price range, even with insurance paying for a front end I'd still have to front over 6-700 bucks, not gonna happen, but there's there are small things we are looking into so we'll see

Howdy1606

Damn that is bad!

canaryrx8

iTrader: (3)

no news yet today, might know something by tomorrow. I'm very curious to know the extent of the damage to the rear.
I also got to speak with a claims investigator today who recorded our conversation over the phone, I got to fully and clearly explain exactly how everything happened and she was quite interested in hearing my side once I established I was fully stopped along with the 3 other vehicles in front of me being fully stopped. I also gave her contact info for all 3 of the other people and told her how the kid was telling me his brakes were bad etc. So that all makes me feel a little better, even if I can't escape a ding completely, maybe them knowing for sure that it was not my fault might save my insurance rates a little bit at least.

canaryrx8

iTrader: (3)

heard from the shop today, front and rear bumpers being replaced, front was chewed up pretty good and it may have gotten to the rails after all but they're planning on throwing it on a frame machine to see what's up. Tried trading in my rentabeast today for something a little cheaper/better on gas etc. and the Enterprise guy just laughed as he mentioned due to the hail damage there were over 10,000 claims over the weekend. (ouch). So maybe I'll try again in a few days, or just keep the exploder a few more days.

Pete

damn ....

topdownbackroad

He hit/rear ended you when stopped; his fault automatically in Texas, no excuses. His insur. pays for everthing including rental last time I checked. You don't pay deduct. if not your fault.

It doesn't hurt them to try & F--- you. Your insurance co., if any good, should protect you.
Don't let any of these 3 parties mess with you.

LD.

canaryrx8

iTrader: (3)

got an update this morning from the isurance folks, after speaking a claims investigator she notified me today that they have ruled in my favor, mostly due to the lady in front of me telling them she very clearly remembered me being completely stopped, she then looked down and got hit etc. They also went over the estimate with me over the phone and it is over 4 grand and there is some mention of a "sagging right side" which may indicate frame damage (?) or something. It's very tempting now to trade it in once I get it back but we'll see, maybe everything will drive fine and I'm just being a bit paranoid lol so ther's some good news today as I no longer have to sweat the 500 bucks

nycgps

iTrader: (1)

Phew, everything is going to be fine as long as u're ok.

That kid got some serious problem.

but good thing you got the lady in front of you to prove your innocent.

Sorry to say but I really hope that instead of killing someone else, I hope these kids just kill themself ASAP by hitting a tree or something, dont get anyone else into it.

canaryrx8

iTrader: (3)

yeah, she was smokin' hot too, maybe I should call her up and thank her

topdownbackroad

Frame/hidden damage, etc., whatever it costs, with the other driver at fault they cannot "total" your car, but may try to bluff. You paid for and/or have the legal right to complete repairs back to original spec.'s & condition for damage caused by another insured or uninsured driver. You have the right & should refuse anything less than like new; tell your repair shop that's what you want & are willing to wait. The at-fault driver's insurance is legally bound to cover all, including rental car.

Even if they (your or his insur.-whoever is at fault) try to F--- w/you to settle for less (it's legal to try), say NO, NO, NO - see the stupid, lying punk to save on the multi-car claim.

CanaryYellow WILL rise again good as new, no matter how long it takes. We need you both back. The last 2 hail damages & collision were not your fault; I know how cautiously you drive. It might be true if you drove like a maniac, but not the situation. So, there is NO curse on you or your car!! Get it back like new, forget the incident & keep your inique 8. There's nothing like a rotary; be happy.

LD.

canaryrx8

iTrader: (3)

heh, I don't always drive cautiously but I never drive like a dumb *** either, this time is most definitely not my fault so we'll see. I've got a good feeling about the shop that I took it to as they have been very thorough and very good about calling me whenever a problem comes up or they hit a snag they've let me know, the other place just got it in and out and made me deal with it later, even if for some reason I decide to trade it in due to the frame damage, I'm still getting another Rx, just will have to miss my yellow

edit: I really shouldn't say frame damage as I don't know that for sure, it may be something very minor that they're fixing as a precaution, I'll have to find out more before calling it that.