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wutamess
03-14-2006, 11:00 PM
Was driving to go pay a freaking bill and got distracted for a split second looked up and had a car perpinduclar to mine about to make a left turn (from the right to go the opposite direction I was going) right in front of me. I slammed on the breaks, looked up at the lights (they were red) before impact. My bent up hood & the deployed airbags blocked my view of the other car. Luckily I had my seat belt on and one of my little ones was secured in the car seat.

Immediately after impact I couldn't think for a split second and finally figured out to turn the car off. My little one started whining but I knew she was alright. My main concern was to check on the other driver as I'd ran right into him as I broadsided his driver side going about 35-40mph before I managed to hit the breaks with all of about 10 feet to spare.

I get to him and he stumbles out of the passenger side of his car and mumbles, "I had a green light" before he reduces to squirming on the ground not saying anything. After seeing that... I went to grab the little one out of the car seat and took her with me to the other driver. Still squirming on the ground, he looked and stared at her and asked me if she was alright. I explained for the passenger to remain still and tell me what his problem is while I called the police & that she's fine and I'm more concerned about him. He complained of not being able to breath.

Police, fire dept, and ambulance arrives. I call the guys mother as I got the information from him & keep in close communication with her to inform her of what hospital he'll be going to etc.

After everything settles down... The policeman tells me that a witness said that my light was green. By this time my aunt and mother is right there and they thought I was dillusional when i told them that I saw I had a red light. They said that maybe the witness saw better, but I knew I had ran the red light (accidently) & the driver of the other car said that his light was green before he stumbled so I knew I wasn't dillusional.

So I go to the hospital to where they're taking him St Lukes (on the plaza). Get to the emergency room and ask the lady at the desk for the patient. She tells me where he is and how to get to his location (which was weird I could've been there to cause him harm) without asking any quesitons. First words out of the guys mouth were, "how's the little girl?" Once again I assured him that she was fine and that I'm more concerned about him.

His mother comes in and I introduce myself. The nurses take him off to get XRay'd. At that point, (I didn't want to be imposing) I left my contact information and told them to call me if they needed ANYTHING.

Don't know why I went into all this detail but my actual question is... How much will my insurance go up for running a red light, my car totalled (1999 Isuzu Rodeo) & his car totalled (late 80's early 90's Chrysler Lebaron) as well as his medical bills & the money he'll probably get from settlement etc? our driving records on our insurance was spotless.

BTW: Policeman called me later tonight and needed some more information on my daughter. He later told me that the guy had no problems and was released after he was given XRays. That's the most important thing to me as I'd been shaken up all night about it.

My second question is ... how much do you think I would get back from insurance (full coverage) when they total out my car? 1999 Isuzu Rodeo 5 speed manual trans 110K miles. Should I expect KBB prices or should I expect what people are asking for that type of car in the area from cars.com (or other source)? Also, if I feel they're low-balling me (which I'm sure they will) is that negotiable?

Sully
03-14-2006, 11:06 PM
I don't know the answers to your questions, but I'm glad everyone ended up alright.
Sorry to hear about the car.

Ari Chi3fs
03-14-2006, 11:10 PM
crazy man... hopefully that football throwing shoulder is okay. Better go out and throw a ball around... just to see.

Seriously, glad everyone is okay.

Phobia
03-14-2006, 11:11 PM
I don't know, but if you need anything let me know. I'm just down the road. Glad to hear everybody is okay.

wutamess
03-14-2006, 11:12 PM
I don't know the answers to your questions, but I'm glad everyone ended up alright.
Sorry to hear about the car.

You & me both. I don't think I could've lived that one down if he would've died as a result of my doing/distraction.

I've always been a person to try to be gung-ho about doing things as tomorrow's not promised. Unfortunately, this event re-affirms my whole ideology.

wutamess
03-14-2006, 11:15 PM
I don't know, but if you need anything let me know. I'm just down the road. Glad to hear everybody is okay.

Luckily, when I bought the the minivan for the wife for the kids for Xmas , we kept her car parked on the curb. So when you guys see a 230lb black man dreadfully driving a white 1995 VW Jetta (I call it the bomb) honk at a brotha.

Actually I think I'm going to do what I've been putting off for a while. Get a suburban (probably sometime around Mayish).

Demonpenz
03-14-2006, 11:19 PM
Contact your local branch claims office to see if they can give you the underwriting departments numbers. Maybe they will let you in on the point scale system. Depending on who you have you should try to not have that vehicle in an impound lot that ususally just costs more money out of your policy. I would make sure your adjusters have all your numbers so they can contact you anytime, most the time they will call when your busy at work.

Demonpenz
03-14-2006, 11:21 PM
You will probably have an field claims rep investigating the accident. A Field claims auto dealing with actually settlement of the car. What insurance company you got?

Demonpenz
03-14-2006, 11:22 PM
I had an effing horrible day as well. Showing up for work everyday and working hard don't mean shit. You have to put up numbers.

wutamess
03-14-2006, 11:22 PM
State Farm

wutamess
03-14-2006, 11:22 PM
I had an effing horrible day as well. Showing up for work everyday and working hard don't mean shit. You have to put up numbers.

Fuggin attention whores. :rolleyes:







j/k

wutamess
03-14-2006, 11:25 PM
Depending on who you have you should try to not have that vehicle in an impound lot that ususally just costs more money out of your policy. I would make sure your adjusters have all your numbers so they can contact you anytime, most the time they will call when your busy at work.

1. Fuggin tow trucks must have scanners, they were there like Tyrrone Biggums showing up for the 5 o'clock free crack give away. Towed to Grandview lot by lazers tow... they said insurance would cover it.

2. I work from home so my cell or home phone is sufficient enough.

Demonpenz
03-14-2006, 11:26 PM
damnit sorry just wanted to let you know my advice would be with a grain of salt. I would just google around and see what other people got for similar vehicles. Ususally now though the adjusters will just stand pat on their first number and have the numbers to back that up, and when you don't take it they send the check and say take or leave it. Dirty state farmers :)

Demonpenz
03-14-2006, 11:28 PM
Tow truck drivers make crazy money. if you have collision your first tow is covered. They take it to a tow yard? I would just make sure you have all the adjusters numbers involved. Write down any questions you have during the day and call them. If you have a state farm agent they will ususally try to back you up on any disputes. You always have the right to talk to a supervisor over the adjuster.

wutamess
03-14-2006, 11:32 PM
Tow truck drivers make crazy money. if you have collision your first tow is covered. They take it to a tow yard?

I'm thinking that's where they took it.
When State Farm cuts me a check... are they buying the car (as in no longer mine)? So essentially I can't sale it to a junk yard or anything?

Demonpenz
03-14-2006, 11:37 PM
I'm thinking that's where they took it.
When State Farm cuts me a check... are they buying the car (as in no longer mine)? So essentially I can't sale it to a junk yard or anything?


You have the option of keeping it yourself and salvaging it, but i think that would probably be more hassle. I would mention it to the person if you were interested in keeping it. Most of the time they will cut you a check so now it state farm, then they will turn around and sell it and make good money.

Demonpenz
03-14-2006, 11:40 PM
The adjuster has to explain all that stuff to you when they call. If you wanted to keep the vehicle I would ask them about that. They can't sell it without you knowing, but I know you have to say it's alright to get rid of because most people are ususally like take this off my hands.

wutamess
03-14-2006, 11:40 PM
You have the option of keeping it yourself and salvaging it, but i think that would probably be more hassle. I would mention it to the person if you were interested in keeping it. Most of the time they will cut you a check so now it state farm, then they will turn around and sell it and make good money.

Don't want to keep it... I was actually wanting to sell it to a junk yard or something. Figure I'd be able to get another $500- $1000 for the parts I guess.

Demonpenz
03-14-2006, 11:41 PM
I would probably google some stories to see what exactly your rights are because I don't know the ins and outs some of the parts.

Demonpenz
03-14-2006, 11:45 PM
Don't want to keep it... I was actually wanting to sell it to a junk yard or something. Figure I'd be able to get another $500- $1000 for the parts I guess.


I would just mention that to them then. I wonder if then your required to pay the storage fees or something like that. Because they would probably let you buy back your car but then your talking money to get your car out of impound, towing and things. Then you have to tow it back to a junk yard that knows that your looking to get rid of a car. I will just end my speculation there because I don't know the exact details because I am not Field claims auto. I just take the recorded statements for non injurys.

beavis
03-15-2006, 12:13 AM
Don't want to keep it... I was actually wanting to sell it to a junk yard or something. Figure I'd be able to get another $500- $1000 for the parts I guess.
When I totalled my rig 3 years ago, they gave me pretty close to kbb for it. And yeah, they keep the car.

Glad to hear no one was seriously hurt. I got hit from behind on the highway. It's hard to explain the shock of getting smashed into by a truck at 50 mph when you don't see it coming.

Valiant
03-15-2006, 12:22 AM
damn that sucks... Luckily you both are alright and the other driver is a good person so far...

jspchief
03-15-2006, 06:09 AM
When I totaled my Jeep, the insurance company gave me the option of keeping it, but they would reduce the money they gave me to reflect the amount they thought it would net from salvage. My other option was letting them handle it, and getting more money. That was with Progressive.

CrazyHorse
03-15-2006, 06:19 AM
Dont assume your daughter is alright.

I remember having an accident several years ago and felt fine until the next few days, when I started getting headaches and had to go to the Chiropractor for upward of 15 or so visits before my neck and spine finally straightened out. The injury could have been more serious, but wasn't.

However, the bill was over 2600 bucks by the time I was rehabilitated.

I thought I was fine.

Mr. Kotter
03-15-2006, 06:26 AM
Sorry to hear about it, man. Glad you are okay though.

Inspector
03-15-2006, 06:29 AM
Glad everyone seems OK. Good luck.

Stick with that witness who said you had a green light. That may be important later on........

HMc
03-15-2006, 06:32 AM
I can't imagine them paying out the full assessed value AND letting you keep the wreck. Here, at least, they pay you out (in my limited experience the values have been fair), then take your wreck and sell it to mitigate their loss. Why you'd want the hassle of selling a wreck, i do not know.

phisherman
03-15-2006, 06:40 AM
i bet you won't be working today right roger?

bp

Bwana
03-15-2006, 06:44 AM
Ouch! Glad everyone came out of it in decent shape.

I would run down Gunther_Fan regarding the insurance issues, I saw yesterday he is an insurance adjuster in one of his posts He should be able to help you out with your insurance questions.

Good Luck

morphius
03-15-2006, 06:47 AM
Glad everyone is okay at least. Sucks about the car though.

I think the rate they give you is the selling rate, but don't quote me on that. I know my wife got more then trade in value on her car last year after it was totalled.

wutamess
03-15-2006, 07:03 AM
Glad everyone seems OK. Good luck.

Stick with that witness who said you had a green light. That may be important later on........

Well, I would've stuck with the witness if I'd hit a tree or something but in this case it was either him or me and he would've been stuck with everything & that's something else I couldn't have lived with.

StcChief
03-15-2006, 07:47 AM
They (insurance company) will sell your car for salvage to salvage yard.

You could bid on it if you have a car broker lic. or know someone who does....

Lzen
03-15-2006, 08:05 AM
Glad to hear you're all ok, Roger. Good to know you're doing the right thing, too. :thumb:

KCHawg
03-15-2006, 09:30 AM
State Farm will give you 2 offers, one where they keep the car and when where you keep it. You keep it and the offer is less. I have had this done a couple of times.

kaplin42
03-15-2006, 09:44 AM
got distracted for a split second

Driving + Cell Phones = Bad

Seriously though, I'm very glad to hear that your daughter, yourself and the other party involved are all right.

Moral of the story, your next car should be a big 4x4 so you can just drive over other vehicles.

wutamess
03-15-2006, 09:45 AM
State Farm will give you 2 offers, one where they keep the car and when where you keep it. You keep it and the offer is less. I have had this done a couple of times.

How much less and which did you take?
Were they fair in your eyes?
Was it kbb value or the asking price of cars listed forsale in your area?

Spoke with Insurance today and they said that because of the hail damage claims from the storms, it could be upto 2 weeks for the claim to be settled.

Of course I have to pay a $500 deductible which fuggin sux. :cuss:

dj56dt58
03-15-2006, 09:56 AM
Well, I would've stuck with the witness if I'd hit a tree or something but in this case it was either him or me and he would've been stuck with everything & that's something else I couldn't have lived with.
Just to make sure, most stop lights have cameras on them and they can match the time you were going through with the timing of the lights. They should be able to prove with a legal degree of certainty whose light was green.

beavis
03-15-2006, 03:58 PM
Dont assume your daughter is alright.

I remember having an accident several years ago and felt fine until the next few days, when I started getting headaches and had to go to the Chiropractor for upward of 15 or so visits before my neck and spine finally straightened out. The injury could have been more serious, but wasn't.

However, the bill was over 2600 bucks by the time I was rehabilitated.

I thought I was fine.
Very true. My accident was over three years ago, and my neck still isn't right.

KCHawg
03-15-2006, 04:51 PM
How much less and which did you take?
Were they fair in your eyes?
Was it kbb value or the asking price of cars listed forsale in your area?

Spoke with Insurance today and they said that because of the hail damage claims from the storms, it could be upto 2 weeks for the claim to be settled.

Of course I have to pay a $500 deductible which fuggin sux. :cuss:


The price they offer is wholesale value in your area. ( mine is KC ) the difference in offers was about 200 dollars. I let them keep the car because they wouldn't do a full repair estimate. They start estimating visible damage and if they reach the 'total' amount they stop the estimate. I wanted to know about undercarriage damage but they wouldn't do it. The offers I don't feel are ever fair since I can't purchase vehicles at wholesale prices.

wutamess
03-20-2006, 04:20 PM
$6400 assessment with a $500 deductible.
Totalling $5900.

Can someone find me links etc of 1999 Rodeo's within 100 miles of 64138 LS model 5 speed with around 100000 miles on it?

If I find enough vehicles in the area for sale above that price, they'll reconsider and possibly up the ante.

Anyhow... any help would be apprieciated.
I've searched cars.com and autotrader.

htismaqe
03-20-2006, 04:33 PM
That's what you get for driving an Isuzu.

Had you been driving a brand-new Tahoe, you would have escaped without even a scratch...

wutamess
03-20-2006, 04:34 PM
That's what you get for driving an Isuzu.

Had you been driving a brand-new Tahoe, you would have escaped without even a scratch...

Always a smart ass around when you DON'T need one.

htismaqe
03-20-2006, 04:47 PM
Always a smart ass around when you DON'T need one.

1) What did you expect when you came HERE?

2) I would argue that you DO need it. Not to belittle your situation, but it's just a car. You weren't harmed, which is far more important.

Bwana
03-20-2006, 05:04 PM
Damn dude, I think you had the only '99 Rodeo in the area. I still have access to the on-line information for every Manheim auto auction in the country. I went and checked out the Kansas City Auto Auction
3901 N. Skiles Kansas City, MO 64161 and not one has run that model / year in the month it goes back on the price sheets. I'll keep looking in a few other places for you. 2 or 4 WD, 4 or 6 cylinder and which model, the sport?

wutamess
03-20-2006, 06:33 PM
2WD 6 cylinder.

Bwana
03-20-2006, 06:37 PM
2WD 6 cylinder.

Did you get my second smoke?

wutamess
03-20-2006, 07:56 PM
Did you get my second smoke?

No sir... only got the one with 0 results.

wutamess
03-20-2006, 08:00 PM
1) What did you expect when you came HERE?

2) I would argue that you DO need it. Not to belittle your situation, but it's just a car. You weren't harmed, which is far more important.

"It's just a car", until you're in the same predicament.

At first I was j/kidding with the smartass post but dude... Get your fuccing head outta your ass. If I needed your lecture (about what type of car I should've been driving), random spew, or relatively pointless point of view I would've asked a freaking woman. If you have nothing pertinent to add, please do us both a favor and j/STFU!

htismaqe
03-20-2006, 08:21 PM
"It's just a car", until you're in the same predicament.

At first I was j/kidding with the smartass post but dude... Get your fuccing head outta your ass. If I needed your lecture (about what type of car I should've been driving), random spew, or relatively pointless point of view I would've asked a freaking woman. If you have nothing pertinent to add, please do us both a favor and j/STFU!

I was 100% joking.

I have been in the same predicament. I certainly didn't come here to talk about it.

Sorry that you're so bent out of shape that you can't take a simple joke. That's what happens here.

htismaqe
03-20-2006, 08:24 PM
OK, that came out completely wrong.

What I meant to say is that people make such jokes here all the time.

You're obviously pretty worked up about this to have taken me seriously in any way...

wutamess
03-20-2006, 09:03 PM
OK, that came out completely wrong.

What I meant to say is that people make such jokes here all the time.

You're obviously pretty worked up about this to have taken me seriously in any way...

Now is not the time... I'm really sensative at the moment :deevee:
Doc says it's because my estrogen levels have peaked.

Sorry for going off the deep end.

~ Mr. PreMenstralSyndrome

Halfcan
03-20-2006, 09:11 PM
You sound like a very stand up guy for admiting your mistake-lots of folks would have lied. That was an excellent example for your kid and worth whatever the insurance screws you on. Nice job and I am glad you guys are okay,.

htismaqe
03-21-2006, 05:46 AM
Now is not the time... I'm really sensative at the moment :deevee:
Doc says it's because my estrogen levels have peaked.

Sorry for going off the deep end.

~ Mr. PreMenstralSyndrome

So having a car accident is turning you into a woman? ROFL

Seriously, sorry about inadvertently being a dick last night...

Douche Baggins
03-25-2009, 08:14 PM
I totaled my car last week. I'm still wondering if I would be OK right now had I not been wearing my seat belt.

As I made my turn left, I got slammed into from the side by an approaching car, driven by chinese people. The impact drove me into a parked vehicle, which finally stopped my forward momentum. I walked away without a scratch despite the fact my car was undrivable. The radiator was belching steam like a locomotive.

Wear your seatbelt.

Bugeater
03-25-2009, 08:22 PM
I totaled my car last week. I'm still wondering if I would be OK right now had I not been wearing my seat belt.

As I made my turn left, I got slammed into from the side by an approaching car, driven by chinese people. The impact drove me into a parked vehicle, which finally stopped my forward momentum. I walked away without a scratch despite the fact my car was undrivable. The radiator was belching steam like a locomotive.

Wear your seatbelt.
WTF? Seriously? And you bumped a 2 year old thread to tell us this?

Douche Baggins
03-25-2009, 08:34 PM
Yes. And I didn't feel like starting a new thread.

Mr. Flopnuts
03-25-2009, 08:35 PM
WTF? Seriously? And you bumped a 2 year old thread to tell us this?

Actually, I posted it in the date thread the night it happened, but nobody believed me.