Car accident today

I would get a copy of the accident report and go to the insurance company of the driver who was responsible. Your insurance company shouldn't have to pay anything and really doesn't need to be involved. I'd also, as others have said, get checked out at the hospital and get an attorney.

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Maybe I missed something, but I honestly didn't see that the OP "ranted" at the accident scene. It seems to me that she just came here to vent.

I had a woman run a stop sign and hit me about 4 years ago. I did go through my agent to get things taken care of, but then they went after HER insurance to get their money back. Think the term is "subrogation". In KY, PIP insurance (for medical stuff) took care of medical. My ins probably subrogated her insurance for that as well, I imagine.

Definitely get checked out medically....even if you don't believe you are hurt, if nothing else, go see a chiropractor. If stuff is knocked out alignment on you, they can help on that.

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In 2000 my Dh and th efamily were on our way home,stopped to make a trun with our left sginal on when a car hit us going 55. It was not a 55 zone the guy admitted total fault,got no ticket, my DH and DD were takne by ambulance, I drove the van home the few miles called my SIl to take me tot he hopsital because i could no longer move my left arm. My DD & DH she was OK DH had a neck injury. I was checked out at the hospital-no xrays nothign-just didnt feel right, major problems months later after many Dr appts I was diagnosed with brain injury, back injuries. Got a settlement but not nearly worth what it should have been.

ALWAYS got to a DR after a MVA! Always document daily your issues. Do not accept what insurance tells you-they just want to be cheap. Do get a good lwayer.

If the laws are in your favour her insurance should have to pay everything. We paid not a nickel for any of our care, repairs etc.

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if I were you I'd be on the phone with a lawyer ASAP! Here in NY, you can back into someone and it's the other person's fault (well, not really, but the person who hits you from behind is always at fault and they have to pay).

Thank God that you weren't hurt. The car, like others said, it's just a car.

Ifi

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I'm sorry this happened to you. I understand being very upset about a car you've pampered. But, cheer up, the auto body and mechanical people are fantastic about fixing things to where you'd not know anything had ever happened to it.

I had my cute little Mitsubishi Lancer OZ in yellow. Loved that car, it was spiffy and made me feel good. 4 months after buying, I was rear ended. Her insurance did pay, even though I had to report it to my insurance company. I got a quote from where I wanted it fixed, they talked to the insurance company/s and within a week, my little car was looking brand new.

Same car 14 months later. Someone could not make up their mind to stop or not at a rainy intersection. The last time they sped up to go through the intersection - they slamed the brakes and I hit them gently. I could not go to either side due to traffic on one side and poles on the other.
My front got messed up some, and a friend with a body shop fixed it and gave me a "deal" on the cost. It looked brand new. When I traded it in, the dealer was putting down that it had not been in any accidents, and I had to correct them about it. The fixers do remarkably good work. (at least the ones I worked with)

My insurance had lapsed due to a $5 dispute - and I had to pay the whole thing myself - including their insurance company and that subregation thing. I did get a ticket then, and next day had the insurance back. A lapse of one day, cost me $5,000.

The causer of the problem will have to have insurance coverage or pay it herself - if subregation happens, it is reported to the state and they can pull your driver's license and not even tell you they've done it. I found out the hard way, as I paid it off, and they forgot to tell the state. I found out when I went to cash a check. That cost me reinstatment fees and about $300 of various charges since it had been 30 days.

So, the other party may seem to be getting off lightly, but they are not.

I'm glad you are okay.

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"Live your life, and forget your age." Norman Vincent Peale

Alice I'm glad everyone is ok! I hope you have good dealings with Nationwide. A few years ago, a woman beating a red light hit the turn too fast and her big suv jumped the median and slammed into my drivers side where I was sitting at a light waiting to turn left. Her insurance was Nationwide and they contacted me the next morning, told me to fax the receipt for replacing the baby seat (grandaughter was in it when we got hit, not hurt but I insisted on a new seat since it was an impact and the officer agreed it should be replaced right away) Nationwide had me take my car to body shop for estimate, okayed and even wating for parts all was fixed in a few weeks. I did drive mine until fixed - they had to unbend my door so it would open and close at the scene. Hopefully your experience is as good if your state isn't no fault.

Accidents suck.

I was t boned once, wrecked my sweet car, my first car I owned that I loved. I was 17. Rather than fly off the handle into a mindless rant, however, I hobbled over to the other car with severe leg injuries, mind you, and asked if they were ok. The kind older couple were alright, and glad I asked.

I'm with the others who mention gently that your overbearing temper and your worry about a piece of plastic, steel, and rubber, as though it is a family member is troubling. When you started on your post, I was fully expecting a death, broken bones, or a totalled mangled car, like mine was in my accident. But alas, the bumper is scratched, shifted a "good inch"? WOW! and again WOW!

Don't sweat the small stuff. This is small stuff. When one has truly nasty things happen in their lives like death, cancer, debilitating injuries, one realizes how petty a simple vehicle is.

I am sorry you had this misfortune, but sheesh, it sure could have been worse. I am worried how you may react when something actually truly bad and life changing may occur someday.

In the meantime, take heart, it will work out! Good luck on the insurance issue etc..

And one other thing as I re-read your post. You plan to give her insurance company a piece of your mind? It won't be friendly? Where do you suppose that will get you? If you can, just hold it together and ask normal questions. I believe this will get you further!

It's been a while since anyone in our family has had that kind of problem, thank goodness, and Texas may be different, but I'm thinking be calm and allow the insurance companies to try to work it out, first.

Sometimes involving an attorney can lead to a much longer time getting it settled.

Sometimes insurance companies can be tough to deal with - but I'd give them a chance.
If it 'didn't hurt the runnin' of it none' - then drive it until things have a chance to get worked out.

Yes, people shouldn't talk on the phone while driving - but would it have made a difference if it was some other distraction?

I will fall back on my oft stated philosophy.

1. No bones are sticking out.
2. No one is bleeding.
3. We aren't calling the fire department.

and... the new one.... No one has cancer.

I'm sorry you were in an accident, but..... perspective is important.

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Alice
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"No great thing is created suddenly." ~Epictitus

Oh, you are so right -

I am up-set at the person driving the BMW, the girl behind us is a sweetie and can even less afford the damage that was done to her car. She wasnt on her cell phone, she was stopped at the red light as well. the idiot driving the BMW that was on the cell phone and not paying attention, just driving on through.
You all say it was just a car, well it was, but it was MY car and now we dont have reliable trasportation. When we did nothing wrong and she has nothing happening to her.

To the rest I dont have high blood pressure in fact it is too low most of the time. Not sure where you got that I was ranting at the scene. I didnt. At first I got out of the car and asked the person behind me "what were you thinking?" she said "I didnt do anything," and pointed behind her. I looked and the BMW had the front end all smashed and there were liquids pouring out and then steam. I said to the woman "What were you doing?" She said nothing, asked if we were ok and then sat down and started to cry. I then told her I thought she should turn off her car as it didnt look very healthy.
With the policeman it was totally friendly. I was upset when he said he didnt give her a ticket, that she was crying and felt bad enough. I didnt say anything, what could I say?? He had already made his decision. Now really, crying and "feeling bad enough" will repair anything?? SHE caused an accident where there was major damage to three cars, she should get off because "she felt bad enough??"
I'm not sure where many of you got the anger issues?? I guess you would be happy someone hit your car, damaged it, and now YOU have to pay to repair it.
A lawyer is pretty much out of the question, it would cost way too much. On top of everything else.
Actually the fire department was called out.....
I dont know the cell phone laws in NC, I dont know the insurance laws in NC. I dont, nor have I ever lived in NC.
There is a reason there is a saying "the squeakie wheel gets the grease," When I talk with the insurance company I will start easily, but if/when they start saying it isnt their responsilbilty I will escalate, and escalate to whatever is necessary.
As far as the displaced one inch, in our csr that is the same as the engine being displaced one inch. The car is propelled by the batteries located in the rear, where the car was hit. We do not know what damage was caused by the hit.
Obviously many of you think I am out of line,and the I should somehow be happy she hit us. (Not sure how that works) But I am not and I dont want to pay her HER mistake. I guess this is enough on this subject.

Alice in Virginia

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There is nothing any worse than an angry little old lady, they've had a lifetime to learn all the dirty tricks and people get upset if you hit them!

I didnt rant at the accident scene. I said to her "What were you doing??" and then I told her I thought she should turn off her car as it didnt look very good and was steaming all over. That was it.
I did say to the police officer, after all the reports were taken and he told us that he didnt give her a ticket because she was crying because she felt bad and her car had the most damage. I said, "She caused the accident, the rest of us were stopped at the light. She deserves the most damage, auto karma." The police officer laughed.
So I'm not sure where the "ranting at the scene" took place?? Perhaps because I didnt skip around say "Oh Happy days my car was damaged and I have to pay for it!!"
"And the idiot that was responsible is off scot free!!! Oh Happy Days!!"

Alice in Virginia

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There is nothing any worse than an angry little old lady, they've had a lifetime to learn all the dirty tricks and people get upset if you hit them!

I hit a car after the driver ran a stop sign....really just scrapped the side as she ran through and ripped her bumper off. She was 18, had been driving legaly for 5 days, and was a cry baby also. I got out of my car to see if she was ok and she was crying and fussing about her mom killing her as she wasn't supposed to be out (at noon) but her dad let her go(?). Still don't get that one. Anyway, I told her to stop crying, wipe her nose and sit down as her nose was bleeding and I could see the tubing for an insulin pump. She stated " I was only doing 45 when I tunred off State Street" Hello, it's 35 there..I know, but if you go that slow people get mad at you!!!! I so wanted to slap her. but kept my cool, called the police and my dad as we were very close to the house and I needed him to keep my cool. I had a huge bump on my forehead, with a D branded in the middle, the cop asked me how I bumped my head if I had my seat belt on...Sorry dude but even I know the answer to that one.

Her mother showed up and she was a true piece of work, I felt instantly sorry for her kid. BUt, never the less, it was her fault and the insurence was prompt and very polite.

"A lawyer is pretty much out of the question, it would cost way too much. On top of everything else. "

??? Sorry, but you really are naive if you think that. Accident attorneys work on a percentage and don't charge a dime unless you win.

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"...started to yell at the girl..." "...said "Who cares, she hit us, she deserves the most damage, auto karma...." etc.

As well "I am so angry!!! Tomorrow I will get on the phone and her insurance company Nationwide will have a piece of my mind!! A large peice!!! And it wont be friendly!!" It leads one to believe you're rather...angry.


Your version of the conversation now is markedly different than your original post.

Version 2: At first I got out of the car and asked the person behind me "what were you thinking?" she said "I didnt do anything," and pointed behind her.

Version 1: I got out of the car and went to the car behind us, that hit us and started to yell at the girl, she held up her hands and said "I didnt do anything!!" And she pointed behind her.

Not to sound like a shill but if she has USAA everything will work out fine. USAA is always ranked as the #1 or #2 insuracne company. They also are more willing to send lawyers after other companies because they know the more they can legally get the other companies to pay the less they do and the lower the cost to their customers.

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Nope exactly the same......in version one I started to yell at her......... by saying "what were you thinking." Hummmm seems to be the same story.
Alice in Virginia

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There is nothing any worse than an angry little old lady, they've had a lifetime to learn all the dirty tricks and people get upset if you hit them!

I never understood why people feel the need to scream at someone who caused an accident, UNLESS the perpetrator has an attitude and expresses no remorse. Wouldn't you assume the other person feels terrible? Your hostility towards a devastated young woman is troubling.

It's your lack of compassion that bothers me more than your rage. I seem to remember posting to you a long time ago over that very subject.

No one's expecting you to be HAPPY about the situation, absolutely not. It's a major pain, you are totally innocent and no, you CERTAINLY should not be paying a cent. Just inform yourself, arm yourself and go after her insurance. The girl certainly is not going unscathed. But wanting the revenge... wow. And that's what it is since you mentioned jail as one of the ways you wished she would be punished. She will suffer in her own way, both financially AND emotionally.

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