Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 04-29-2016, 11:09 AM   #21
Thinks s/he gets paid by the post
Sunset's Avatar
 
Join Date: Jul 2014
Location: Chicago
Posts: 4,719
Quote:
Originally Posted by TromboneAl View Post
I called this morning and got the other driver's insurance info, and called Progressive. They were very good, and said a claim rep will contact me.

Yes, I called my insurance company (Farmers) from the scene. I'd hoped they'd "take it from there," but I was on my own.

Is it "leaving the scene of an accident" even if you give information first?

Yes, the other person's car was left at the scene.

Yes, talking on the phone while driving is illegal here. I've reported other drivers for doing that (as well as for texting!).....
Al
Just my thoughts, you need a different ins. company after this is settled as you are the second person who has detailed how Farmers failed them. Other was a homeowner when entire neighborhood was damaged.

my opinion, the other side didn't give information before leaving, as they didn't give you drivers licence and insurance proof.
Giving only a phone number simply does not count.

Don't be surprised to find out the "driver" has suddenly changed, since maybe the one that hit you wasn't insured and just borrowed the car.
__________________

__________________
Sunset is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 04-29-2016, 11:19 AM   #22
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 16,411
DD got hit by a drive insured by Progressive about 15 years ago. It was clear that their driver was at fault and I had a check for the car in less than 12 hours, followed up months later by a check for DD's medical bills and pain and suffering. Progressive handled the whole thing very professionally.
__________________

__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
pb4uski is offline   Reply With Quote
Old 04-29-2016, 11:20 AM   #23
Moderator
MichaelB's Avatar
 
Join Date: Jan 2008
Location: Rocky Inlets
Posts: 24,426
Quote:
Originally Posted by TromboneAl View Post
I called this morning and got the other driver's insurance info, and called Progressive. They were very good, and said a claim rep will contact me.

Yes, I called my insurance company (Farmers) from the scene. I'd hoped they'd "take it from there," but I was on my own.

Is it "leaving the scene of an accident" even if you give information first?

Yes, the other person's car was left at the scene.

Yes, talking on the phone while driving is illegal here. I've reported other drivers for doing that (as well as for texting!).

I'm taking Lena to the doc in a few minutes.

Thanks for the help!

Al
The police will decide if leaving the scene applies to the other drive, but it won't do much for Lena. What she needs is a formal police determination that the other driver was at fault. A citation for failure to yield would be very helpful.

If her car is totalled the insurance policy should pay the replacement value immediately, no need to wait. You should make sure, however, that the claim remains open, as there are possible medical issues. If the claim settlement says it's final, you might want to consider waiting until you are certain there are no lasting health concerns. Back and neck problems resulting from accidents frequently show up a few days after the accident.
__________________
MichaelB is online now   Reply With Quote
Old 04-29-2016, 11:22 AM   #24
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 16,411
+1 that is why we waited with DD's claim... to make sure that there were no medical issues that lingered or were not noticed right away.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
pb4uski is offline   Reply With Quote
Old 04-29-2016, 11:33 AM   #25
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: May 2005
Posts: 13,263
Do you have comprehensive insurance on the car? With it being so low in value I would think not.

Also, uninsured/underinsured?


If you do not have either of these then you insurance company could care less about your car as they are not responsible to pay anything.
__________________
Texas Proud is offline   Reply With Quote
Old 04-29-2016, 11:33 AM   #26
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
harley's Avatar
 
Join Date: May 2008
Location: Following the nice weather
Posts: 6,422
Quote:
Originally Posted by pb4uski View Post
+1 that is why we waited with DD's claim... to make sure that there we no medical issues that lingered or were not noticed right away.
That's a good idea. It's amazing how it can sometimes take a few days for the results of a trauma to surface. I got hit from behind many years ago, and felt fine after the accident. Three days later I couldn't move my neck or back, and was in severe pain. It was a massive PITA dealing with the insurance company about it, since I had said I felt fine immediately after the impact. Luckily it was just whiplash and muscle stiffness, but it could have been something longer lasting. Take your time and make sure all bases are covered before signing off on anything.

I hope Lena recovers quickly and without much pain. Rib injuries suck. It's not like you can stop breathing until it heals.
__________________
"Good judgment comes from experience. Experience comes from bad judgement." - Will Rogers, or maybe Sam Clemens
DW and I - FIREd at 50 (7/06), living off assets
harley is offline   Reply With Quote
Old 04-29-2016, 11:35 AM   #27
Thinks s/he gets paid by the post
 
Join Date: Mar 2004
Posts: 1,988
About 3-4 years ago, I was just taking off on a green light when the front corner of my SUV was hit on the left by a car that had run the adjacent red light. Luckily, the driver stopped and I had several witnesses who also stopped. The police report declared her 100% at fault.

I had minor whiplash (As I have scoliosis, I went to my usual chiropractor that afternoon to have him adjust me). Luckily, that's all the care that I needed.

I live in a no fault state and had Farmers Insurance. Farmers handled everything very professionally, including getting the maximum allowable ($500) deductible refunded to me from the other party's insurance company.

I'm wondering why my experience with Farmers seems radically different that what others have had?

omni
__________________
omni550 is offline   Reply With Quote
Old 04-29-2016, 12:00 PM   #28
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,705
Quote:
Originally Posted by TromboneAl View Post
I called this morning and got the other driver's insurance info, and called Progressive. They were very good, and said a claim rep will contact me.

Yes, I called my insurance company (Farmers) from the scene. I'd hoped they'd "take it from there," but I was on my own.

Is it "leaving the scene of an accident" even if you give information first?

Yes, the other person's car was left at the scene.

Yes, talking on the phone while driving is illegal here. I've reported other drivers for doing that (as well as for texting!).

I'm taking Lena to the doc in a few minutes.

Thanks for the help!

Al
It will work out for the auto damage. Progressive will put together an accurate description once they get police report.

The most important part of this is Lena's injuries. Get the best medical treatment you can.
__________________
target2019 is offline   Reply With Quote
Old 04-29-2016, 12:52 PM   #29
Recycles dryer sheets
 
Join Date: Aug 2010
Posts: 359
Hi, hope Lena is fine.

I have another simple question for anyone. When trying to call the police to report an accident, who do we actually call? Do we just call 911?

Thanks
__________________
fh2000 is offline   Reply With Quote
Old 04-29-2016, 01:04 PM   #30
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 16,457
Quote:
Originally Posted by fh2000 View Post
Hi, hope Lena is fine.

I have another simple question for anyone. When trying to call the police to report an accident, who do we actually call? Do we just call 911?

Thanks
Yes. The dispatcher will figure out who to send and whether an ambulance needs to be sent as well as police.

We had the car engine start smoking bad once and called 911 to get a fire engine sent to our location. Damned house sparrows had built a nest next to the manifold while we were on vacation!
__________________
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
audreyh1 is online now   Reply With Quote
Old 04-29-2016, 01:55 PM   #31
Thinks s/he gets paid by the post
JPatrick's Avatar
 
Join Date: Jun 2005
Posts: 2,494
I found the "nolo" book titled, "How to Win Your Personal Injury Claim" to be a life saver when I had to work through a serious accident DS was involved in.
Highly recommend..
__________________
JPatrick is offline   Reply With Quote
Old 04-29-2016, 02:10 PM   #32
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
TromboneAl's Avatar
 
Join Date: Jun 2006
Posts: 11,197
Got back from the doc. Lena's fine but sore. Nothing broken.

Of course, that didn't prevent him from prescribing 30 Vicodins.
__________________
Al
TromboneAl is offline   Reply With Quote
Old 04-29-2016, 02:15 PM   #33
Moderator
Walt34's Avatar
 
Join Date: Dec 2007
Location: Eastern WV Panhandle
Posts: 16,511
Quote:
Originally Posted by TromboneAl View Post
Is it "leaving the scene of an accident" even if you give information first?
It depends on how the statute is written in your state. In MD giving a valid phone number would probably be enough to fend off a hit & run charge since doing so negates the argument that the person was trying to avoid accepting responsibility for the collision.

The whole scenario of her leaving in such a hurry does make it sound like the driver was uninsured, unlicensed, or similar though. Or it could be something as simple as she had severe pain from a bad toothache and was on her way to the dentist. That would account for her actions as well, although it is admittedly highly unlikely.

The police officer who took the original report will probably be in contact with you in a few days. If not, call their office/station and ask what the outcome was. You'll probably need to get a copy of the report for your insurance company anyway.
__________________
I heard the call to do nothing. So I answered it.
Walt34 is offline   Reply With Quote
Old 04-29-2016, 02:44 PM   #34
Thinks s/he gets paid by the post
 
Join Date: Jan 2014
Posts: 1,318
Al, Hope Lena's okay. She will have sore muscles. As someone else said, it's takes a few days for the aches to begin. I cracked a couple of ribs one time and they didn't show up the first time on the x-ray that they were cracked. Hurts just as bad as broken ribs. Did she have any damage to her face from the air bag? Was wondering how the other car hit Lena's car rear side panel and the front corner?
__________________
splitwdw is online now   Reply With Quote
Old 04-29-2016, 02:46 PM   #35
Thinks s/he gets paid by the post
JoeWras's Avatar
 
Join Date: Sep 2012
Posts: 2,518
Quote:
Originally Posted by omni550 View Post

I'm wondering why my experience with Farmers seems radically different that what others have had?

omni
Al hasn't confirmed, but if he and Lena didn't have coverage due to an old car, they won't help unless you are asking for uninsured coverage, which is not the case yet.

I went through this with Amica -- a great company -- a while ago. I had only liability coverage. Someone hit me, admitted fault, gave me their info. I called Amica and explained and the nice lady said I was on my own while I work it out with the other company, since I didn't have collision on my car. She was very nice and helpful, but made it clear that I had to work with the other company.

The other company was Erie, and they were fantastic. Enough so that if Amica ever makes me mad enough to change, I'll go to Erie as an alternative. (The Amica lady said as much and said that Erie should take care of me... She was right. They know their worthy competitors.)
__________________
JoeWras is online now   Reply With Quote
Old 04-29-2016, 02:57 PM   #36
Thinks s/he gets paid by the post
Free To Canoe's Avatar
 
Join Date: May 2008
Location: Cooksburg,PA
Posts: 1,738
Quote:
Originally Posted by TromboneAl View Post
Got back from the doc. Lena's fine but sore. Nothing broken.

Of course, that didn't prevent him from prescribing 30 Vicodins.
I am glad Lena is OK.
Sorry to hear about the Echo, too. You had a good run with her.
__________________
Free to canoe
Free To Canoe is offline   Reply With Quote
Old 04-29-2016, 04:28 PM   #37
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
TromboneAl's Avatar
 
Join Date: Jun 2006
Posts: 11,197
Quote:
Originally Posted by REWahoo View Post
Al, I hope Lena is OK.

This car (Toyota Matrix).
Wow.

I was surprised at how bruised Lena was from the seatbelts. It would have been bad without them.

>Sorry to hear about the Echo, too. You had a good run with her.

Yes, it still drove like new at 250,000 miles.
__________________
Al
TromboneAl is offline   Reply With Quote
Old 04-29-2016, 05:17 PM   #38
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
travelover's Avatar
 
Join Date: Mar 2007
Posts: 9,878
Quote:
Originally Posted by TromboneAl View Post
...........Of course, that didn't prevent him from prescribing 30 Vicodins.
You can sell these on Craigslist. jk
__________________
Yes, I have achieved work / life balance.
travelover is offline   Reply With Quote
Old 04-29-2016, 06:58 PM   #39
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
harley's Avatar
 
Join Date: May 2008
Location: Following the nice weather
Posts: 6,422
Quote:
Originally Posted by TromboneAl View Post
Got back from the doc. Lena's fine but sore. Nothing broken.

Of course, that didn't prevent him from prescribing 30 Vicodins.
Even bruised ribs can cause a lot of pain. However, I can guarantee that if I went to a doctor with a piece of rebar sticking through my chest they'd only give me Motrin. It's funny, I used to be able to buy booze underage with my innocent look, but it completely fails me in the doctor's office.
__________________
"Good judgment comes from experience. Experience comes from bad judgement." - Will Rogers, or maybe Sam Clemens
DW and I - FIREd at 50 (7/06), living off assets
harley is offline   Reply With Quote
Old 04-29-2016, 06:59 PM   #40
Administrator
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 38,846
Quote:
Originally Posted by TromboneAl View Post
Got back from the doc. Lena's fine but sore. Nothing broken.

Of course, that didn't prevent him from prescribing 30 Vicodins.
Al, I just saw your post. What a dreadful accident, and what a huge relief to learn that Lena has nothing broken.

I do recall from an accident 40 years ago, that I was was not aware that I had (minor) whiplash until a few days after the accident. So, you may not be out of the woods yet but I sure hope so!

The important thing here, as I see it, is Lena. The car can be fixed or replaced. Give her our best.
__________________

__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities.

- - H. Melville, 1851
W2R is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
'New Driver' or 'Student Driver' regulation in NY noelm Other topics 2 07-26-2012 09:16 AM
Best place to get a cell phone / cell phone plan? bank5 Other topics 4 09-18-2009 06:01 AM
Re-activate old cell phone, or keep new phone? thefed Other topics 10 05-09-2009 10:42 PM
The driver who really gets the education during driver's ed Nords Other topics 17 10-06-2008 08:32 PM
Replacing The Landbased Phone With a Cell Phone Danny Other topics 12 11-04-2005 07:12 PM

 

 
All times are GMT -6. The time now is 07:12 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.