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Don't drink and drive:(

4K views 38 replies 24 participants last post by  Owen_TJ 
#1 ·
Didn't even have him two months. Drunk driver hit him going 50 in a 25 while parked on the curb of my neighborhood. Snapped the frame and everything :( probably totaled. Extremely bummed about it.

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#5 ·
That's a real shame my man. Do you have full insurance to cover it?
 
#7 ·
I feel your pain, bro. Same thing happened to my CJ-5 a bunch of years ago. Bozo shoved it clear up on the sidewalk, pretty much folded it in half and still managed to drive off in his car. Cops never found him, never even looked for him. I cleaned up all the pieces and managed to ID the make, model and color of his car (part # on a turn signal lens and chunks of bondo with gold paint), cops just said "we don't have the time to look for it". Only good thing was that it was paid off. Used the insurance money to buy my first XJ. Just thinking about the whole deal still sets me off, and it happened 19 years ago! Some things can never be forgiven....

I'm glad your driver stopped and 'fessed up. I don't suppose she had insurance?
 
#10 ·
Same thing happened to my neighbor across the road about 12 years ago except it was a Honda Civic. Some guy came hauling down the street in a Silverado, came around the corner too fast and smashed into the drivers door and ripped it and almost the whole front end right off the car, he drove away. The cops found him the next day, he lived 2 streets over. She had just got home from work, she was unlocking her front door when it happened, 30 seconds earlier and she would have been dead.

Sorry about your Jeep but thank God no one was in it.
 
#13 ·
Every time I see these accident pictures it feels like a kick in the crotch. We all put much time, $, and pieces of ourselves into our Jeeps--often more so than other vehicles we have owned. It's not like they are just replaceable.
 
#17 ·
The insurance company I have experience with uses CCC for the valuation of the vehicle. They do not use KBB or NADA. They'll look for vehicles in the surrounding area with comparable mileage/options/condition and base the value of it that way. They'll also provide the report of the vehicles and their location they used for the value determination.

Hopefully your company will do the same
 
#24 ·
If a person is really worried about being covered in case of something like this then you need to contact your insurance company BEFORE something like this happens.....

My insurance covers my Jeep and all parts / mods. Per my State Farm agent (in writing), I need pictures and ideally I will also have receipts. I keep both. My Jeep is covered.

I had a claim that involved one of my motorcycles..... same deal. I had more mods than what the bike cost new. Had a claim and EVERYTHING was covered.

You guys need to talk to your insurance companies before you have to file a claim. Get the details ironed out and in writing. Then you will not have any surprises or heartache.

Not trying to preach here but sometimes cheaper insurance isn't worth the hassle...you get what you pay for.


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#28 ·
Why are you even going through YOUR insurance? If it was not an AT FAULT accident an be other driver has insurance weather it be liability or full coverage their insurance is responsible. You shouldn't even need to involve your insurance. Don't make your premium go up for someone else's accident.
 
#31 ·
Your premium won't go up if it wasn't your fault - even if you involve your insurance company...

Sometimes your insurance company is easier to deal with than the other party's insurance will be. Then you let the two insurance companies duke it out vs you trying to argue with the other party's insurance.
Just makes your life easier... once again this is providing you have a good insurance company.

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#30 ·
CCC value scope is a rip off. They have been taken to court on class actions suits for fraud several times. They continue to be the only game in town that the insurance companies use due to their fradulent and blatent resistance to work with you. I had a 2004 ford lightning with 60k miles it was perfect mint beyond showroom condition. I got 2500$ less than I had paid for it 6 months earlier. I fought with them for 3 months before just literally giving up. They do not look for what vehicles will be selling for only vehicles that are already sold by dealerships. They will pick 3 of the closest they can that are cheapest. Its up to you to dispute it and it gets to the point of hiring multiple independent appraisers.

Not to mention no aftermarket additions are covered in their evaluation. 0. none. adds no value to the vehicle.

This is why I made sure my loan to value was very very good when I bought my jeep and am not spending huge amounts on additions.


You are very lucky because as you know her insurance will be eager to settle. Mine was an at fault claim with geico and good god it was a freaking nightmare.
 
#32 ·
I don't know about anybody else in this jeep community but I'm not opposed to sending the OP a check for a few bucks to help him out. Are we not our own little community. If we saw a fellow Jeeper broke down on the side of the road would we not stop to see if we could lend a hand. If we all kicked in a few bucks it would certainly help out a fellow jeeper.
 
#33 ·
Well the OP was insured, and will be paid for his Jeep. Insurance valuation happens at the beginning when you are signing the contract with them. Up front I was informed that unless specifically written into the insurance policy, mods would not be covered. The difference was about $500 more per year to cover the mods on my tj.

As Florida is a "no-fault" state, yes your insurance does go up if you are not at fault... My wife's new vehicle was rear-ended, two months later it is raised for having a claim. I would have to pay an addt'l fee to have that Allstate protection where they dont raise your rates for the first accident ($300 year diff per veh).

Insurance companies are in business to make money...
 
#34 ·
Even if the insurance company treats you right, prepare to be dealing with this for a couple of months. It takes a while for all those wheels to turn. Make sure you keep copies of EVERYTHING involving the accident.

In the meantime, contact their insurance company and request (nay, demand) a rental vehicle until everything is resolved and you get your settlement. If their client was indisputably at fault you are usually entitled to a rental....either they should be paying for it directly or you pay for it up front and they reimburse you.

I went through all this a few months ago when my TJ was totaled. I felt like I was treated fairly by the other party's insurance company, although it was a PITA for a few weeks dealing with it. I paid $6,000 for my '97 TJ and put about $1,000 into it to address some mechanical issues. I put 13,000 miles on it before it was wrecked and insurance gave me $8,200 for it.

Of course, I had got a steal of a deal when I bought it so my payoff was probably closer to its actual value. They even added a couple hundred extra for the brand new top I had just put on it a couple of months earlier, since I was able to provide a receipt. I was also paid $6,000 for a very minor cut I sustained (hit my head on one of the door surround brackets and required a couple of staples to close). This was in addition to them paying my actual medical bills. I was also provided with a rental car while I was waiting to receive my payout....they didn't argue with that at all, just told them I'd need a rental and they said no problem. But you have to ask.

Another piece of advice I read, and it makes sense, is you do NOT say anything to the agent about having a lawyer or fling a lawsuit or anything along those lines. They will immediately stop talking to you. You are in a negotiation process with these people and you don't have to accept their first offer. If you think your vehicle is worth more than they're offering say so, but be prepared to prove it. But save any talk of getting an attorney as a last resort when all other reasonable negotiation has failed. Getting your attorney involved means they will get their attorneys involved and the whole process will now take months instead of a few weeks. Try to work it out with the agents first.
 
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