the car in front of her. The driver that rear-ended my wife’s vehicle has Farmers Insurance, we have State Farm and the lady in front of my wife – she apparently didn’t have proof of insurance on her at that time. so we’re not sure. A state Trooper took a report of the accident but we won’t be getting the report for another week or so, So the details of how the “story goes” or went from each driver perspective is anybody’s guess. So, Saturday, the day after the accident, my wife got her a rental car because there was damage to her radiator and the condenser fan for the a/c was destroyed, not to mention the damage that was done to the rear of her vehicle. On the same day, my wife notified (farmers Insurance) that she was going to do so – and they said – to just get it for 5 days. Why, just 5 days, when her vehicle is not mechanically sound, didn’t make sense to her, but okay so, that’s what she did. Later that day, my wife got a phone call from the State Trooper and notified my wife that the lady that she was pushed into, had admitted herself into a hospital because she was experiencing pain in her back. The Trooper also stated, that the lady had mentioned that she was once paralyzed a few years back, but recovered and was concerned that something my have been reinjured. After the phone call my wife contacted an attorney, they told her that she has done everything correct so far, and to just wait to see what the police report says before calling them back. My wife is now concerned that the lady that she was pushed into may want to take action against my wife and or her insurance. Can this be done, even though this whole accident was caused by the driver that slammed into the rear of my wife vehicle? Who has experienced something like and how many ways do you think this can possibly go?
One last thing, my wife has no car payments – it’s payed for, but the vehicle is 10 years old and has over 200.000 miles on it. From looking at the damage that was caused, I am thinking the repair costs will exceed the value of her vehicle. So how does that work from the standpoint of an insurance company?
Since her vehicle is payed for she only has the state required General liabilty coverage
#1 by SweetznTX on June 19th, 2011
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We have State Farm also. My husband’s care has over 200,000 miles on it too. It’s a 1993, I think.
When an uninsured lady hit my husband’s car, State Farm totaled it and said we could buy it for the blue book price, but it would have a salvage title, not a regular one. So, his car has a smash on one side. Obviously, he wanted to keep it.
Good luck!
#2 by Levi on June 19th, 2011
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Without knowing where you are from I can’t say with any certainty, but in many places in situations like this the car at the back of the accident (so the one that hit your wifes car) is liable for ALL damage to ALL vehicles and occupants in the accident. There was once a case where there was a pile-up of over 100 cars and due to the law the car at the back was legally responsible to cover all of the damage to every car even though in reality it only damaged the last few.
#3 by J on June 19th, 2011
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Your insurance company will take care of everything. You are getting way too excited. Nothing has happened yet. If something does happen, Your insurance company will defend you. Isn’t that why we have insurance?
RELAX !
#4 by UCANTCME on June 19th, 2011
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The five days is a starting point to get you around but after that they may extend it to 10 days or once you have received the check for the vehicle…
If the vehicle is totaled out you will be entitled to what is called (ACV) actual cash vale at the time of the accident and no more..
The person that caused the accident will be responible for all vehicles involved..