Don't Forget Your Neck Brace!

mishuko

i wouldn't say it's just women.

cab drivers.

old drivers.

young drivers.

middle aged drivers.

essentially everyone is guilty of getting distracted one way or another.

birdman71

Which is why CA made calling or texting illegal to do while driving,(plus revenue lol). Of course that's a lot like the issue with Gun Control right now.. Lets take away their privilege/ability to do something, but wait the people who do not care about the law will still do what they want regardless.

Driving is dangerous..

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VABAM

Sorry to hear about your accident.

Get better soon!


Don't forget about filing a loss of value claim.

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dant1127

Yeah, our B pillars are pretty tough. There wasn't any frame/structure/suspension damage besides the door, but that's an easy replacement. I was surprised. I figured with all the aluminum and crumple zones nowadays, an SUV bumper would have done more damage. Fortunately we have like 20 airbags. The inflation punch may hurt, but I'll take that over the alternative any day.

I'm not worried about the crazy one. Besides the car wreck, she didn't interfere with my life. People like that set themselves up for their comeuppance, I just hope she doesn't actually hurt someone in the process.

dant1127

I plan on it, but my insurance agent has set me up to expect nothing. Apparently TX isn't as strict on this as other states... once I get the car, I plan on having a few dealers give me a trade value that I can fax in with the book values. The wreck was on my Carfax before I was even back to work

VABAM

Good luck!

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Fuzzzy

Here's a sign of the times:
I had my annual physical exam this morning. I've previously had a few docs ask me if I wear my seat belt. Routine. The one today not only asked that but if I text or use Facebook while driving.

Dant, sorry for your experience. But glad it wasn't worse.

dant1127

I definitely keep uninsured, and I've always had comprehensive just to be safe. What I did learn, though, is that I've been guilty of sticking with the default coverage dollar amounts. I've been a bit naive with insurance over the years, and since I don't cause wrecks and I've never had a nice car it didn't matter. But, this woman's insurance is paying more to fix my Z than my last 4 cars put together cost... made me look into things a bit deeper.

Now that we have a 370Z and a new Maxima, I looked over my policy and realized just how crappy default coverage amounts are here in TX. Basically, if one of us were at fault, and we hit a nice car, we would have been liable for thousands. 30K property damage doesn't stretch far if 2 cars that cost over 40k collide ....

If any of you out there haven't picked through your policy, I would take the time. It could save you some major money if you're ever at fault, or if you're hit by an uninsured/under insured motorist. Full Coverage may sound safe and cozy, but it isn't as Comprehensive as it sounds. Hah! SWIDT?!

birdman71

What do you mean your agent is telling you to expect nothing? Certainly not how I would do things. In a time like this yeah expect the worse (which is nothing) but also look at the best parts of this so you don't make it seem only bad. Just my prerogative. Always like to please my clients.

As for coverage, mind you I am a 21 year old male that is self-supporting in all ways and living in my own apartment with no assets besides this car and my job working at State farm; I still hold the coverage limits of:

$50,000 up to $100,000 for Bodily Injury
$100,000 for Property Damage
$5,000 per person in Medical Payments
$500 Collision Coverage Deductible (Car on car/object collision)
$0 Comprehensive Coverage Deductible (for theft, vandalism, key marks, tree branch falls on car etc.)
Emergency Roadside Service
Rental Car Coverage $50 per day up to $1,200.00 MAX per claim.

Like I said before I work for State Farm Insurance, So I make sure that my coverage covers me. I have always said base your coverage off your assets. If you have a Home that costs $900,000 and two cars adding up to another say $75,000, I would have not only have my Auto Insurance set a up like this:

$250,000 up to $500,000 for Bodily Injury
$100,000 for Property Damage
$5,000 per person in Medical Payments
$500 Collision Coverage Deductible
$0 Comprehensive Coverage Deductible
Emergency Roadside Service
Rental Car Coverage $50 per day up to $1,200.00 MAX per claim.

With Adequate Homeowners Coverage with Personal Liability limits of $100,000 and then on top of all that a Personal Liability Umbrella Policy which starts at $1M and goes up from there increasing by $1M. I would get the $1M Umbrella Policy so I have personal liability limits of $1M over both cars coverage and the home's coverage at that point. So anything you are personally liable for can be claimed through your personal liability.

Just my

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Johnny6.1

Yea I just bought a house myself birdman and I have a 250/500 policy with an additional mil in an umbrella policy. Insurance is no joke! Can never have too much.

Dantz can't believe ur agent said that. Like others said, may be time to involve attorneys

mayday813

.....from an old risk manager and claims adjuster from both private industry and an insurance company...."Never risk more than you can afford to lose."

birdman71

That should be the minimum you should have when you have a home and autos. An umbrella policy is a must pretty much.
Whenever I have a new client and I am quoting their autos and home together I already throw in the Umbrella of $1M if their home is of a certain value or it looks like they just have completed upgrades to the home, and quote the cars with the increased discounts as well for having the added umbrella. So not only are you saving $$$ but you're saving your a$$

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dant1127

Unfortunately my auto company said at first, my home isn't insurable by their standards. After, it changed to a price of literally double what my current home insurance costs, with the exact same protection, and that's with a 3 car multi discount, 10 year policy discount, and some other mess. I left it alone, but this umbrella policy sounds like it might be worth it for me to look for a new company for both our home and cars..

birdman71

I would definitely be looking for a new Agent atleast, if not company. Ill send you a PM and help out since I'm in the Insurance Industry.

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Felix 808

Glad it was not worse. Hopefully no new health problems arise from all this.

Good luck with it all.

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