Rear Ended Monday

[SergioC]

New owner here, 2 months in.... I was rear ended by a commercial vehicle Monday, the company that owns the truck called me on Tuesday to take car and get quote to repair and they would just pay the repairs to bbody shop... no rental, no reimbursements, loss of use, diminished value etc... needless to say I declined and called their insurance to file claim.

I called Claim Adjuster on Wed, but she said nothing can be done until they get report from the company and driver to see who is at fault etc.

Car is not drive able, Tesla cannot get into the car remotely. I am paying the tow and storage fees to get it to Authorized shop today or tomorrow to get looked at asap, I will look to recoup those costs.

Anyone know how long I have to wait for company to give them their side of story before I might have to look at other options?

If the car is repairable I have to go thru their insurance anyway for diminished value, reasonable rental car etc.. if it's a total loss then perhaps file with my insurance and let them go after monies and the 500 deductible if they drag their feet.

Oh and I am fine so far, sore and bruises from the seatbelt, no airbag deployment. Already checked out at Hospital and my Dr.

Pics here....

 

[usafakid09]

I don’t know what report they are looking for but you were rear ended which means other driver’s fault. If it were me, I would’ve just contacted my own insurance company after I received the police report and let them sort it out. You have better things to be doing.

 

[derotam]

Yeah, with that damage, I don't know why you aren't just calling your insurance company. It's their job to deal with that mess. You just trying to go through the other insurance company on your own is going to take forever and cause you a lot of headache.

 

[kl118]

I agree. Just file a claim through your insurance company so they can deal with recouping the costs from the party at fault. Never deal with the other party's insurance because they are only after their own and their client's best interests. Your insurance company works for your own (and their own) interests. You don't even have to speak to the other insurance company. Instead, have them talk to yours so they cannot use your own words against you.

 

[ngogas]

Call your insurance. You paid them for a reason. Don’t deal with the other guys insurance as they don’t have your best interest. Let you insurance deal with their insurance. Don’t complicate things.

 

[Leeclanual]

I go through my insurance for all accidents... its their job to get reimbursement if other driver at fault. I NEVER trust the other insurer to do what's right.

 

[Lhshockey24]

Like you need anyone else to tell you this, but - CALL YOUR OWN INSURANCE AND THEY WILL HANDLE EVERYTHING

Worst case, you pay your deductible up-front but you'll be reimbursed swiftly as being rear-ended is always going to be the other driver's fault, especially if you were using the built-in dashcam.

 

[kl118]

Hopefully, you also have useful dash cam footage that proves the truck was at fault. My M3 was rear ended in a small fender bender a month ago, and I went through my own insurance. Based on my story, they knew the other driver was at fault and I told them I also had dash cam footage as the left repeater camera clearly shows the driver hitting me. My insurance said they didn't need it, but to keep it in my back pocket just in case.

 

[Msjulie]

That truck company is trying to avoid increases in their premiums... sorry, let your insurance get your car fixed properly..

 

[mobilesuit818]

Looks your car will be totaled.

I would do the following:
- Please document every conversation in an email, no verbal telephone calls.
- Create a google drive folder and upload everything there including date stamp photos and police report.
- Contact your insurance company and drop the car off at the body shop and leave it there.
- Get a rental right away.
- Also reach out to a few chiropractors for you and your pertinent passengers. Get treatment ASAP and pay out of pocket. Start documenting loss of work and medical appts. This will pay off in dividends later.

 

[5_+JqckQttqck]

Car looks totaled.

 

[Msjulie]

Car looks totaled.

Yeah actually probably true

 

[mobilesuit818]

Please execute the actions ASAP, as timing is of utmost importance.

 

[CuriousG]

Did the 24" HP monitor make it through the scrum?

 

[5_+JqckQttqck]

Did the 24" HP monitor make it through the scrum?

The 3's trunk took the brunt, only a slight dent on the box of the HP monitor. Five start safety rating shining through

 

[SergioC]

Ok convinced and calling my Agent! Thanks people.

To answer questions.

Yes have dashcam footage

The start shows me passing the truck and changing lanes, the end is him hitting me.

Front cam shows narrowly missing the truck in front. Video starts at 10 seconds.

Yes the 2 HP Monitors made it also had a HP Computer back there and all is well.

I hope the car is totaled, as hard as I was hit firm believer in the safety of the car! but was before anyway,.

Thanks again everyone

 

[SergioC]

Great advice, I am on the right track know just had a temporary moment of the silly idea thinking of trying to do this myself and not using my agent. Thanks!

- Already started documenting everything.
-Have a dropbox account with pictures and original videos, will scan the reports, thanks
- Waiting for call back already - based on the advice here.
- Body Shop picking up car today
- Have rental already (my expense for now, will keep receipts of rental plus gas receipts)
- Already seen my Dr, have physical therapy to do.

Looks your car will be totaled.

I would do the following:
- Please document every conversation in an email, no verbal telephone calls.
- Create a google drive folder and upload everything there including date stamp photos and police report.
- Contact your insurance company and drop the car off at the body shop and leave it there.
- Get a rental right away.
- Also reach out to a few chiropractors for you and your pertinent passengers. Get treatment ASAP and pay out of pocket. Start documenting loss of work and medical appts. This will pay off in dividends later.

 

[Lhshockey24]

Ok convinced and calling my Agent! Thanks people.

To answer questions.

Yes have dashcam footage

The start shows me passing the truck and changing lanes, the end is him hitting me.

Front cam shows narrowly missing the truck in front. Video starts at 10 seconds.

Yes the 2 HP Monitors made it also had a HP Computer back there and all is well.

I hope the car is totaled, as hard as I was hit firm believer in the safety of the car! but was before anyway,.

Thanks again everyone

That is INSANE you got hit at not even a full stop. I can understand if you slammed on the brakes but nothing about that traffic situation seemed abnormal and you still got rear ended. Very sorry!

 

[Msjulie]

So sorry what a way for the 3 to end but you're right, it was a hard hit and luckily you didn't make a Tesla sandwich.. clearly the truck behind not paying attention as the one in front of you was hard to miss.

 

[Beaver]

If they total it hopefully you can get a new one before the end of the month. That way you get the tax credit again.