Totalled my Car... - Page 2 - The Horse Forum
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post #11 of 61 Old 02-25-2013, 12:48 PM
Join Date: Oct 2009
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Iseul, it's too late for this accident, but you might want to consider putting rental car coverage on your insurance for the future. I've had it for years, and it really paid off last year when I HAD to get to work while shopping for another truck.

This is what Bertha looked like after the accident, and the last picture is my new truck, Velma. Exact twin, down to the same features.
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File Type: jpg Bertha1.jpg (50.1 KB, 84 views)
File Type: jpg Bertha2.jpg (53.2 KB, 83 views)
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post #12 of 61 Old 02-25-2013, 01:16 PM
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Well, now I know you weren't racing... It was a Ford.

Iseul, they should pay you out for your car, use that as a down payment or purchase, depends what you want. I think I got mine back in a couple of weeks.
You guys must be liberal with pain killers. You'd get ad advil and they'd tell you to go home here. I had to break my entire left side to anything stronger, and then they still took me off them within three weeks!
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post #13 of 61 Old 02-25-2013, 01:19 PM
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Originally Posted by WSArabians View Post
Well, now I know you weren't racing... It was a Ford.
Imma cut you, man! No dissin' my Ford!

Iseul, you might also want to add towing to your insurance as well, and drop your deductible as low as possible. All of that will help in the future if you have another accident, or need windshield replacement/repair. My deductible is $250, and $100 if I need a windshield replacement. Windshield repair is covered completely.

WSA, as long as she didn't have a loan on the vehicle they'll send the check to her. If she has an active loan, that money goes to the lienholder. Another thing to consider is GAP insurance. Saved my butt last year, since insurance only paid book value and the loan payoff was higher than that.

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Last edited by Speed Racer; 02-25-2013 at 01:27 PM.
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post #14 of 61 Old 02-25-2013, 01:26 PM
Green Broke
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Yikes scary stuff! Really glad your not super injured! I was in a 4 car pile up on the freeway last march and that left me with many many problems.

Hopefully the insurance is good to you and you get a new car :) I was driving my moms old suberau in my accident (not my fault) and it was so totalled!! I got her a brand new off the lot 2012 subaru forester in her favorite color :)
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post #15 of 61 Old 02-25-2013, 02:53 PM
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I would worry about your mom being upset-I bet she'll be thankful that your ok!! :) When I totaled my truck a couple years ago I was terrified to call my dad. Well the convo when something like this.

Are you okay?
Yeah, Dad I'm ok.
Was anyone else hurt?
No, I just hit the embankment.
Is the truck ok?
I think I totalled it Dad. *sobbing*
Long pause....
Is the tool box ok?!

The truck is gone but the toolbox is still sitting on the deck today waiting until my dad buys another truck that will fit it :)
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post #16 of 61 Old 02-25-2013, 02:58 PM
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Glad to hear you are ok and sorry this happened to you.

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post #17 of 61 Old 02-25-2013, 03:04 PM
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Geeze, sounds like quite the accident!
I'm glad to know you suffered no serious injuries.
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post #18 of 61 Old 02-25-2013, 04:29 PM Thread Starter
Green Broke
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SR, I believe we do have rental car coverage, I don't believe it covers me because I'm only 18/19 though (and you have to be 21 or 23 I believe).

I have towing and my copay will be nothing for my ER visit.

I think my mum has a personal loan and not a car loan for it..hopefully, haha.
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post #19 of 61 Old 02-25-2013, 04:30 PM
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Iseul, if she's using the car as collateral for the loan it doesn't matter what type of loan it is; the money will be paid to the lienholder on record.

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post #20 of 61 Old 02-25-2013, 04:48 PM
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Glad to hear you're okay. I've had the displeasure of having two cars totaled while I was driving. Both in rather minor accidents where only my car was left not functioning on the side of the road.

The first accident was my fault, the second was not. Oddly enough I got blamed more for the second one. My step-father didn't want me driving anything of theirs. Even though I had been stopped when someone rear ended me, so I was no way at fault.

Honestly for my first accident it was a major hit to my pride more than anything. I've always valued my driving skills and considered myself a good, safe driver. It took a long time for me to feel that way again.

Just glad you're okay and the insurance should take care of most of everything so you can get back on your feet. Both times I had about a month between getting my money then finding a new car.

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