mharrison

So I'm sitting at a red light at a complete stop behind about a dozen other cars that are stopped and BAM. Clobbered by a Kia Amante. Hopefully her insurance (Progressive) won't give me a hard time about having it repaired correctly. If so, I'll have my insurance fix my car and go after them.

Even though my car is lowered, the girl that hit me was on her brakes hard, so the front end dove and only hit my bumper, bumperettes, and exhaust. So far as I can tell there is no heavy damage hidden beneath. We'll see!

Animus

Bummer man. Sorry to hear. Hope everything is ok with you and your car.

kmagnuss

Ugh that sucks man. I bet her eyes got pretty big when she realized she just rammed a 911.

m3driver

Why would her insurance pay for your damage? thats not how auto insurance works.

docmirror

I don't know about the state of MS but in the Republic of TX, if you are 'at fault', then your insurance company pays for the repair of the victim's damage. I don't care if it's another car, or a bike, or a house, airplane, boat, person, etc.

Sorry to hear about it. Hope you don't have any serious damage that will cause it to be totaled.

DTMiller

It's ok, we've all been wrong in our lives at least once or twice.

dporto

Wow...that sux big time I'd bet big $$ she was texting or something similar...Was she ticketed?

sweet victory

I'll take liability insurance for $200 Alex.

m3driver

Yes, but "you" cannot make a claim with the other persons insurance, "you" have nothing to do with that. You make a claim with your insurance, they will fix your car according to the coverage "you" have, then they will settle the costs with the other persons insurance company. You are totally out of the loop with that and have no say in it. And lets say the other person is at fault, and you don't have collision on your car, then your car is getting fixed out of your pocket, insurance isn't going to pay out a dime. Yours or theirs.

DTMiller

If fault is clear often you work directly with the at fault driver's insurance.

The more you know.....

m3driver

good luck making a claim with an insurance for which you do not have a policy with, that's not how it works....the more you know

DTMiller

Sometimes the person at fault calls their company and says hey, I screwed up. They submit a claim. The company then calls you and works directly with you.

sweet victory

http://www.nolo.com/legal-encycloped...laim-work.html

white out

Time for new aftermarket exhaust and rear bumper with bumperette delete.

Honestly though, glad to see that you're okay. Car's don't matter.

islaTurbine

Some states allow you to claim diminished value. Make sure you make a claim for it if your state allows it.