So tonight My mom my fiance and me were driving into the Colony (30 miles north of Dallas) from Albuquerque to visit some family and we were on 35e South when a line of traffic suddenly stopped in front of us and I slammed on my brakes, skidded to a stop, and about two seconds later I was rammed in the back thrusting me into the car in front of us and well .....
Well anyway the police officer and the tow truck guy both told me that it was pretty much guaranteed to be totalled. I liked the car for the gas mileage, interior space, nice Ipod deck, and price (17k with everything I wanted), but I was thinking about maybe looking at a different car if mine is in fact totalled, so I was wanting some possible suggestions if you guys don't mind.
Oh, and everyone is just fine! Bruised and bumped but overall pretty good shape considering.
UPDATE 12/20: So, after many days of dealing with douchebag insurance agents and other various assholes, we are at the same
ing spot we were in before. Apparently the shithead that hit us had insurance, but his liability on vehicle damage is 15,000, my car alone is worth 17k+ AND he's responsible for the guy he hit me into. Come to find out that here in Texas the insurance company of the liable party isn't required to provide us a rental car. If that's not ed up, I don't know what is. There needs to be a SERIOUS federal law change! So were stuck without a rental car, and the his insurance company seems less than willing to help us (what a shocker!). Since I'm 20 my mom is going to have to pay out of pocket for a rental car to get us back to Albuquerque, not to mention our vacation has essentially been ruined, due in large part to the fact that we have no car. Suffice to say I'm a bit beyond irate.
Luckily we have uninsured motorist coverage, so State Farm will be cutting me a check for a new car, thank god, since the scumbag who hit me has the minimum he could possibly have (which is ridiculously low, and shouldn't be legal).
I don't know what to do at this point, and the guys insurance company is recording everyones statement to make sure were not at any fault, which unless getting slammed into someone else is my fault, i'm not, and they're taking their sweet ass time to boot. We also had at least 600 dollars in medical between the 3 of us getting checked out and xrayed.
I'm wondering if we should contact an attorney and see what we should do, as this ruined our vacation, caused all 3 of us moderate pain for a few days (and we're all still sore and uncomfortable), and left us to take care of arranging a vehicle to get back home.
Any help from you CAG's would be great, especially Javery! Thanks guys!
UPDATE 12/30:
So most of the dust has settled and since the guy who hit me was WAY underinsured my insurance company gave me about $600 less than I paid for my car total, which was enough to pay off my loan and leave me a bit over 7k for a down payment on a new car. They are going to try to collect from his insurance company. Unitrin (his insurance company) is going to refund my $250 deductible and pay back what the rental car cost to get us back to Albuquerque.
I have the loan approval and the down payment for my new car (07 Civic EX) but we've been pounded with over 2 feet of snow, and since we live in the desert and this is the biggest snow storm in at least 20 years in New Mexico I'm not able to get my car. At least I have my money for my car, and I can't go anywhere anyway.
We are still waiting for medical repayment from Unitrin, and we have no clue how long that will take.
Well anyway the police officer and the tow truck guy both told me that it was pretty much guaranteed to be totalled. I liked the car for the gas mileage, interior space, nice Ipod deck, and price (17k with everything I wanted), but I was thinking about maybe looking at a different car if mine is in fact totalled, so I was wanting some possible suggestions if you guys don't mind.
Oh, and everyone is just fine! Bruised and bumped but overall pretty good shape considering.
UPDATE 12/20: So, after many days of dealing with douchebag insurance agents and other various assholes, we are at the same
ing spot we were in before. Apparently the shithead that hit us had insurance, but his liability on vehicle damage is 15,000, my car alone is worth 17k+ AND he's responsible for the guy he hit me into. Come to find out that here in Texas the insurance company of the liable party isn't required to provide us a rental car. If that's not ed up, I don't know what is. There needs to be a SERIOUS federal law change! So were stuck without a rental car, and the his insurance company seems less than willing to help us (what a shocker!). Since I'm 20 my mom is going to have to pay out of pocket for a rental car to get us back to Albuquerque, not to mention our vacation has essentially been ruined, due in large part to the fact that we have no car. Suffice to say I'm a bit beyond irate. Luckily we have uninsured motorist coverage, so State Farm will be cutting me a check for a new car, thank god, since the scumbag who hit me has the minimum he could possibly have (which is ridiculously low, and shouldn't be legal).
I don't know what to do at this point, and the guys insurance company is recording everyones statement to make sure were not at any fault, which unless getting slammed into someone else is my fault, i'm not, and they're taking their sweet ass time to boot. We also had at least 600 dollars in medical between the 3 of us getting checked out and xrayed.
I'm wondering if we should contact an attorney and see what we should do, as this ruined our vacation, caused all 3 of us moderate pain for a few days (and we're all still sore and uncomfortable), and left us to take care of arranging a vehicle to get back home.
Any help from you CAG's would be great, especially Javery! Thanks guys!
UPDATE 12/30:
So most of the dust has settled and since the guy who hit me was WAY underinsured my insurance company gave me about $600 less than I paid for my car total, which was enough to pay off my loan and leave me a bit over 7k for a down payment on a new car. They are going to try to collect from his insurance company. Unitrin (his insurance company) is going to refund my $250 deductible and pay back what the rental car cost to get us back to Albuquerque.
I have the loan approval and the down payment for my new car (07 Civic EX) but we've been pounded with over 2 feet of snow, and since we live in the desert and this is the biggest snow storm in at least 20 years in New Mexico I'm not able to get my car. At least I have my money for my car, and I can't go anywhere anyway.
We are still waiting for medical repayment from Unitrin, and we have no clue how long that will take.
