cardinalkarp wrote:What kind of cars are you buying that get totaled in an accident where someone runs a stop sign? Those are typically low impact accidents aren't they?
It's 23 years old. Excellent car, runs perfectly but the driver's side front tire is bowed in indicating frame damage. No insurance company is going to pay for frame damage on a car that old.
Been there Molly, they go in threes -so be careful.
Let me just say, glad nobody was hurt. Now that we got that out of the way:
The rough thing with other people hitting you - you are never made whole financially. Replacement of car that works (but is not worth a lot in insurance proceeds) is a loser. Or Uninsured motorists - so you lose deductible.
The worst was when we had minivan slammed into us by some uninsured dumbass kid - damages were assessed within $500 of totalling - so it was repaired and we signed off on it. Then 4 months later - when summer comes around, the A/C turns out to not work - mechanic says it is beat up. So we are out another $1000 plus more in repairs for something that was probably related to accident that wasn't our fault. Then after plunking down that money, the engine blows on vacation in Colorado.
Then there is all the time involved with this crap. Insurance companies don't exactly do it all for you without you hounding their ass.
I could go on with related woes, but have hijacked Molly's rant enough.