Last time I dealt with one, it was 75%
| > >> Does the car have full coverage on it? If it don't and your in a now
| > >> state take what you can get out of him.
| > >
| > >We have full coverage, not sure if he does. I assume he does. The body
| > >said it looked to him like the car was totalled.
| > The only way they usually *total* a car is when the cost of repairs
| > exceed the cost of the car. If the car is worth $9,000 I dont see how
| > the rear passenger door and rear quarter panel could result in that
| > much cost to repair. But the pictures are taken at night and you can't
| > really see the total extent of the damage to the car.
| > Have you called any junk yards to see if they have a replacement rear
| > passenger door for that make and model car? Why not?
| > Have you taken the car to a shop that has a welder on site who deals
| > with automotive repairs to see how much it would cost to have the rear
| > QP cut loose and replaced? Why not?
| > I have seen a guy take a car that hit a cow and rolled it over the
| > roof and across the trunk fix the car up in a way that it is
| > impossible to tell what happened.. he even added T tops to it and you
| > cannot see the welds where he replaced the roof.
| > If the frame isn't bent on the Honda, then it shouldn't cost $9,000 to
| > fix it.
| > And it doesn't matter if he has full coverage.. full coverage only
| > adds to the policy things like theft, self fixing in the event that
| > the other guy had no insurance at all, etc. Every state requires
| > liability.. which means he pays for a policy that will fix poperty
| > that he damages up to the limit of his policy.
| > So if he is carrying $10,000 liability, his insurance must pay up to
| > that amount to fix the damages to your car.
| > >> If you do have insurance on it depending on the car's value to the
| > >insurance
| > >> company (theirs don't match KBB) they may fix it.
| > >
| > >This is what I'm afraid of. The insurance adjusters haven't looked at
| > >yet, and that's what we're trying to aviod.
| > Why? Have the car looked at by 3 different body shops, and get written
| > estimates for the repair work. You could even find someone who isn't
| > an actual *body shop* but does restoration work on cars and see if
| > they are willing to look at the car and give you an estimate on the
| > cost of repairs.
| > At least that way, you know before you make any claims with the
| > insurance company, how much it might be to fix it. If you think you
| > can reach an agreement with the guy who hit the car over the repair
| > costs, then great, if not, then get a copy of the police report and
| > copies (good, during day time) of the pictures and submit them to your
| > insurance company.. if you have full coverage, then your insurance
| > company will go after the other guys insurance to make them pay for
| > the cost of repairs.
| > If they choose to total out the car, then find out what they are
| > willing to pay you for it.. then ask them what they are willing to
| > take as a buy back option on the car.. if they will take less than it
| > costs to fix the car, then negotiate with them and be willing to
| > accept the difference (between the total out price and their buy back
| > price) get the car and take it to someone who can fix it for you.
| > Assuming you want to keep the car in the first place.
| > >And there in lies the most outrageous part of this story. Where I live
| > >Humboldt County CA there is a combined population of about 60-65,000
| > >in the three major cities. Three neighbors, and us called the cops and
| > >said they could not send anybody for awhile 'cause they were about 25
| > >away where a motorcycle accident had occurred.
| > Vehicle accidents with injuries take priority over a hit and run where
| > only property damage is reported. If there had been injuries involved,
| > then police and medical personnell could have responded to the scene
| > asap.
| > > We even said a suspected
| > >drunk driver was involved!
| > Suspected.. but you had no proof.. and there were no injuries
| > reported, only property, which isn't a priority when there is an MVA
| > with possible injuries, no matter how far away it might be.
| > > Amost four hours later we get a call from the
| > >CHP. They come to our house, do their thing, and leave in about half an
| > >hour. Next day, we call CHP back and tell them somebody (brand new
| > >friend of suspect) is at the suspect's house and we think the suspect
| > >there. CHP comes, stops at our place, we tell him what happens, he
| > >what happened last night (didn't he read the report??!?!)
| > What makes you think he would have or should have read the report? Did
| > you provide a vehicle description and/or tag number of the car that
| > hit yours? In your first post, you stated that he fled on foot leaving
| > the other car behind.. did you tell that to the police when you talked
| > with them on the phone? Did you take pictures of the other car while
| > it was still sitting there? If not, why not? Did you write down the
| > license plate number and the vin number of the hit and run vehicle
| > when the suspect fled on foot? Did you provide that to the police when
| > they arrived? If not, why not?
| > If you reported a hit and run but were unable to offer the police a
| > description of the suspect or of the vehicle involved, then the only
| > thing the report would have said was that there was a hit and run,
| > what time it occured and possibly any damages to your car, there would
| > have been no suspect or suspect vehicle information on the report, as
| > you hadn't given any. Unless the police issued a look out order for
| > the suspect vehicle, then the other officer wouldn't have even known
| > about it, and would have had no reason to know about it, because
| > police officers cannot spend all their time reading the reports that
| > all the other officers file.
| > > and says he'll be
| > >back. We go around the corner to watch, he slows down in front of
| > >house, and DRIVES AWAY!! The cop didn't even drag his fat ass out of
| > >truck!
| > Exactly what did you want him to do? Walk up to the door, bang on it
| > and ask if anyone inside was involved in a hit and run the night
| > before?
| > >That's when Rudy (suspect) come to own up to his crime about fifteen
| > >mins later. CHP comes by about ten more mins later and asks if we saw
| > >suspect yet! LOL! I mean...good grief! We tell him we think the guy or
| > >somebody is home (which we didn't think at all we thought he was on his
| > >to Mexico) and he doesn't even KNOCK on his door!
| > If the *suspect* stpped by to *own up to his crime* then what made you
| > think that he was on his way to Mexico? And why did you tell that to
| > the police?
| > Did you tell the officer that one of the neighbors came by and told
| > you that he did it?
| > >I can take the crime, but I can't understand how a town of 15,000 could
| > >unpoliced for four hours?? Why is OUR sheriff in Rio Dell (accident
| > Maybe because they needed help directing traffic? Or maybe they needed
| > help blocking off an area for Life Flight (medical helicopter) to
| > transport the accident victim to the hospital? Maybe the motorcyclist
| > was in 5 pieces on the roadway and they had to block the area off and
| > do clean up of body parts?
| > What makes you think an accident with injuries should take precedence
| > of a hit and run with only property damage?
| > >We called a local, independent paper and while they said the story was
| > >interesting" they said they couldn't print it 'cause "they [cops] could
| > >screw us..."
| > Why would it be *interesting*? Because your car got banged up and you
| > dont understand why the police didn't drop what they were doing to
| > come running to take a written report and pictures of your car?
| > >Another reporter came by before this conversation and talked to my
| > >and took pictures of the car and him, and told him this might be in the
| > >papers. We'll see.
| > >
| > >Cindy
| > >'96 laser red auto GTS
| > I can understand your frustration in not having the police do what you
| > think they should have done, but as a motorcycle rider, I would be
| > more interested in knowing how the MVA victim is doing and whether or
| > not they will recover from any injuries they might have sustained in
| > the wreck.. your car can be fixed or replaced, no matter what type of
| > misplaced outrage you might feel.. the motorcyclist could have life
| > long problems as a result of their accident and your being upset
| > because the police refused to leave that scene for a dent in your car
| > is more *outrageous*
| > Jake