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Sue her for any excess that her insurance doesn't pay.Just wanted to share my experience from this past weekend, unfortunately I was rear ended by a girl in a Jeep not paying attention to traffic at around 30-35mph. Of course the Jeep had a bull bar front bumper and absolutely decimated the rear bumper, trunk lid, and trunk. The real kicker is that she only had state minimum insurance ($25k coverage) so I'll need to use my own if it exceeds that, which based on my research it definitely could. They did already assume 100% of the fault for the accident at least.
It's going to be closer to $20k when it's all said and done. I suggest going exclusively with the third party as your own insurance may not fully cover the body shop's hourly rate.
And look into filing a diminished value claim. They may need to cut and weld a new frame or panel piece.
Sue her for any excess that her insurance doesn't pay.
His insurance will cover the difference, then his insurance company will pursue the additional costs from her individually. There's no reason for him to do anything other than let the insurance companies deal with everything.Sue her for any excess that her insurance doesn't pay.
I agree completely, the only thing it does is damage the other vehicle more. In certain circumstances where they aren't at fault that could be a good thing, but in this case it was very bad given the value of the Jeep vs my Model 3. Would've rather had the Jeep absorb some of the impact as intended by the manufacturer.i absolutely HATE crash bars on trucks and Jeeps. they will use *your* vehicle as crumple zone and even worse...if they hit you it's usually by default their fault as it's a rear ending accident.
Exactly, I don't have to do anything other than sort out the repair location. Fortunately I look out for myself and have the appropriate coverage for these scenarios so my insurance can handle it without my involvement, that's the whole reason I pay for such coverage. I was glad that the damage was lower than her limits though, I feel like the process would draw out much longer if that wasn't the case.His insurance will cover the difference, then his insurance company will pursue the additional costs from her individually. There's no reason for him to do anything other than let the insurance companies deal with everything.
Really wish people would understand how this works, before they select the minimum coverage on their policy. It's like they have a false belief that anything above their coverage limits just magically goes away. NOPE. You're responsible for it. I'd much rather pay a few dollars more per month for a $250k or $500k policy than worry about getting personally sued later for $50k.
Hope it progresses quickly and you have good results!I agree completely, the only thing it does is damage the other vehicle more. In certain circumstances where they aren't at fault that could be a good thing, but in this case it was very bad given the value of the Jeep vs my Model 3. Would've rather had the Jeep absorb some of the impact as intended by the manufacturer.
Exactly, I don't have to do anything other than sort out the repair location. Fortunately I look out for myself and have the appropriate coverage for these scenarios so my insurance can handle it without my involvement, that's the whole reason I pay for such coverage. I was glad that the damage was lower than her limits though, I feel like the process would draw out much longer if that wasn't the case.
Also, I wasn't aware that I cannot track the parts ordered from Tesla by the repair shop anymore. I was informed by Tesla today that they are no longer doing that and to check in with my collision center early next week on the status. I'm hoping that's their way of telling me that the parts are arriving soon but I'm not getting my hopes up.
It also depends on your own insurance coverage. If you don’t have rental car coverage, you won’t get the coverage unless go directly to the other party’s insurance (third party claim). Your own insurance will also try to pay out the least possible. Just because they will subrogate won’t change their claim process. And you gotta pay deductible and wait months for the other party’s insurance to pay before you even get your deductible back.His insurance will cover the difference, then his insurance company will pursue the additional costs from her individually. There's no reason for him to do anything other than let the insurance companies deal with everything.
Really wish people would understand how this works, before they select the minimum coverage on their policy. It's like they have a false belief that anything above their coverage limits just magically goes away. NOPE. You're responsible for it. I'd much rather pay a few dollars more per month for a $250k or $500k policy than worry about getting personally sued later for $50k.
Since I initially went through their insurance I already have a rental through them, even though I don't have rental coverage on my policy.It also depends on your own insurance coverage. If you don’t have rental car coverage, you won’t get the coverage unless go directly to the other party’s insurance (third party claim). Your own insurance will also try to pay out the least possible. Just because they will subrogate won’t change their claim process. And you gotta pay deductible and wait months for the other party’s insurance to pay before you even get your deductible back.
And some body shops will negotiate and/or accept insurance rates whereas others won’t. I’ve known several people that needed to pay out of pocket because Tesla’s own collision center’s rates were higher and the insurance would not pay. As for the me personally, I went to an Tesla authorized body shop and they ended up agreeing to the reduced hourly rate.