ace47

hi everyone

last night as i was heading down to SF from north, a STUPID FUUKING truck crashed into my car in the rear, i was hospitalized for the night and diagnosed with concussion. no serious injury discovered at this point.

i went to see my s2k, the rear is pretty much smashed in. i don't know if it can be totaled or what not.

does anyone has any knowledge about this sort of situation? what do i do with my car? if it's totaled, do they insurance company usually compensate and pay as much as the car worth? who has the ownership after the car is totaled ?

is it beneficial for me if the car is totaled or not?

thanks guys.

be careful with truck, this is the 3rd time in a year my car was hit by trucks. so be aware.

tkeyyy

D=! glad to see that you're ok!
do you have pictures of the s?

ace47

i don't bro, i couldn't do anything last night. i was sent directly to the hospital.

tkeyyy

oh =/ do you know where your car is located or what they did to it?
was your car stock?

ace47

yeah, my car is sitting in a tow yard right now, it's completely stock.

tkeyyy

i'm not exactly sure how it works in these kind of situations, but from others the insurance would give them what it's worth

ace47

ok. thanks.

espelirS2K

Contrary to popular belief, the car is not the insurance companies. It's either yours, or your lien holders. They will try and bargain with you to give you the lowest value it's worth as "you have no other option." When, in fact, you do. If you don't like the offer, tell them to write you a check for the amount they estimate the repairs to cost (or the value if it's totaled), and you get to keep the car.

From there you can then pocket the cash, part the car out, and start fresh. Or you can fix it if it's fixable. But the car is not legally theirs until you sign the papers.

ace47

but i'm not obligated to repair after they paid for it, am i?

espelirS2K

No. You can have them give you a check, and you get do whatever you want with it. I don't recommend it, because you (could) be carless. But it's "your" money