Had an Altercation Today

[RawleyD]

damn. that silver one looks like it had to be pried off of a light pole.

that doesn't happen going <20mph in a parking lot.

[recycledsixtie]

Big Jake I feel sorry for you with your accident. I had a minor incident/accident about five years ago with my small Nissan suv. I hardly could contain my anger at the guy that sideswiped me . It was only a $1 k damage but I started getting p-ssy with the offender and giving him deadlines for remedy. Then I calmed down and let my insurance co. handle it. It really upset me for about a week, time consumed, running around getting claim quotes etc. Yours is way worse than mine was.

In addition I would try and stay calm and know your rights. Fortunately you are not hurt? And I trust you will get another car out of it?
Cheers, Guy
PS. A year from now this will seem like a bump in the road.

[BIGJake111]

Originally Posted by recycledsixtie

Big Jake I feel sorry for you with your accident. I had a minor incident/accident about five years ago with my small Nissan suv. I hardly could contain my anger at the guy that sideswiped me . It was only a $1 k damage but I started getting p-ssy with the offender and giving him deadlines for remedy. Then I calmed down and let my insurance co. handle it. It really upset me for about a week, time consumed, running around getting claim quotes etc. Yours is way worse than mine was.

In addition I would try and stay calm and know your rights. Fortunately you are not hurt? And I trust you will get another car out of it?
Cheers, Guy
PS. A year from now this will seem like a bump in the road.

Personaly i see this as an opertunity to capatalize on, i was already looking at S's yesterday, and would be pretty chill about it if I only wouldnt have been hit by of all people litterally one of the only students in the school i absoloutly do not get along with, never have. His friends of course are getting inovled and his mother despite non of such being witnesses. I cant wait to stop dealing with the low life other party and to start dealing with insurance, recoded my side of the story with their adjuster today, they are playing phone tag with the other party... go figure, they sure have time to say stuff everywhere else but mouths shut when talking to the company.

[Timco]

Take the high road, bud. Let them crow all they want. At the end of the day you and the police know where fault lies. It's all about actual damage cost and zero to do with ego and he said / she said.

[Nine8Six]

Here in China, you have 48hrs to appeal the official (police) decision. Once initiated, it all takes a long time and both cars gets impound during the process. Do you guys have the same in the USA?

I'm guessing the same.... the one at fault would need to sue using the regular lawyer/judge/court way? It is how it is usually done there?

[JayG]

Originally Posted by Nine8Six

Here in China, you have 48hrs to appeal the official (police) decision. Once initiated, it all takes a long time and both cars gets impound during the process. Do you guys have the same in the USA?

I'm guessing the same.... the one at fault would need to sue using the regular lawyer/judge/court way? It is how it is usually done there?

Dueling pistols at 10 meters

[Perfectlap]

Originally Posted by Nine8Six

Here in China, you have 48hrs to appeal the official (police) decision. Once initiated, it all takes a long time and both cars gets impound during the process. Do you guys have the same in the USA?

I'm guessing the same.... the one at fault would need to sue using the regular lawyer/judge/court way? It is how it is usually done there?

impounding the car of American while the gubimint decide what to do is tantamount to an act of totalitarian, fascism, Satanism, flag-burning, and puppy-kicking all rolled into one. China is a very different place but that much is obvious.

Cars are only impounded here generally if you have an obscene number of parking tickets or if you kill someone like a cyclist (which happened to a colleague of mine) requiring a mechanical inspection of your brakes.

[Nine8Six]

Originally Posted by Perfectlap

impounding the car of American while the gubimint decide what to do is tantamount to an act of totalitarian, fascism, Satanism, flag-burning, and puppy-kicking all rolled into one. China is a very different place but that much is obvious.

Cars are only impounded here generally if you have an obscene number of parking tickets or if you kill someone like a cyclist (which happened to a colleague of mine) requiring a mechanical inspection of your brakes.

Satanism..... lolll

So in all traffic accident cases the police officier's last word is, what it is (solid). Interesting. Looks like friend Jake there is safe then

Then still doesn't make sense to me why any party would need to hire a lawyer. I was convinced the insuranceCo' adjuster had a black book in hand and was quoting accordingly - in case of total loss anyway. Lawyers or not, not sure with what they could assist.

Re repairs, that's defined by the adjuster as well or they normally leave it to an insusranceCo' appointed bodyshop to quote? or is that the same..... confusing

15+ years driving - never been in any accident (touching wood with one hand, typing with the other)

[BFeller]

Originally Posted by Nine8Six

Satanism..... lolll

So in all traffic accident cases the police officier's last word is, what it is (solid). Interesting. Looks like friend Jake there is safe then

Then still doesn't make sense to me why any party would need to hire a lawyer. I was convinced the insuranceCo' adjuster had a black book in hand and was quoting accordingly - in case of total loss anyway. Lawyers or not, not sure with what they could assist.

Re repairs, that's defined by the adjuster as well or they normally leave it to an insusranceCo' appointed bodyshop to quote? or is that the same..... confusing

15+ years driving - never been in any accident (touching wood with one hand, typing with the other)

The insurance companies now see themselves and their stockholders as the most important people to be protected.

Either party can hire a lawyer to handle the claim in what is called Civil Court. If some one had been ticketed, it would be handled in Criminal Court. Major differences in the two courts can be best be summed up in the OJ Simpson murder cases. He was found Not Guilty in criminal court, but held liable for the deaths in civil court.

Most policies state that if your at fault, they will only pay what their preferred repair shop says it will cost. There is more leeway when someone has hit your car.

In this case, it does not work well for the insurance company to find Jake at fault. If they do, they pay his repair, and the Bronco repairs. If the Bronco is at fault, they likely do not have comprehensive, so they only pay Jakes repair. However, if they find both at fault, they pay Jakes repair minus the deductible. I see them try to make the latter stick.

[Nine8Six]

Originally Posted by BFeller

The insurance companies now see themselves and their stockholders as the most important people to be protected.

Either party can hire a lawyer to handle the claim in what is called Civil Court. If some one had been ticketed, it would be handled in Criminal Court. Major differences in the two courts can be best be summed up in the OJ Simpson murder cases. He was found Not Guilty in criminal court, but held liable for the deaths in civil court.

Most policies state that if your at fault, they will only pay what their preferred repair shop says it will cost. There is more leeway when someone has hit your car.

In this case, it does not work well for the insurance company to find Jake at fault. If they do, they pay his repair, and the Bronco repairs. If the Bronco is at fault, they likely do not have comprehensive, so they only pay Jakes repair. However, if they find both at fault, they pay Jakes repair minus the deductible. I see them try to make the latter stick.

top quality, understood... thx

[BIGJake111]

Originally Posted by BFeller

The insurance companies now see themselves and their stockholders as the most important people to be protected.

Either party can hire a lawyer to handle the claim in what is called Civil Court. If some one had been ticketed, it would be handled in Criminal Court. Major differences in the two courts can be best be summed up in the OJ Simpson murder cases. He was found Not Guilty in criminal court, but held liable for the deaths in civil court.

Most policies state that if your at fault, they will only pay what their preferred repair shop says it will cost. There is more leeway when someone has hit your car.

In this case, it does not work well for the insurance company to find Jake at fault. If they do, they pay his repair, and the Bronco repairs. If the Bronco is at fault, they likely do not have comprehensive, so they only pay Jakes repair. However, if they find both at fault, they pay Jakes repair minus the deductible. I see them try to make the latter stick.

If they somehow say I am guilty, the bronco people will likely not even pay their deductible as all the car needs is a stupid new bumper.


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[Perfectlap]

Originally Posted by Nine8Six

Then still doesn't make sense to me why any party would need to hire a lawyer. I was convinced the insuranceCo' adjuster had a black book in hand and was quoting accordingly - in case of total loss anyway. Lawyers or not, not sure with what they could assist.

Because lawyers here know how to work the insurance adjusters who make out the checks. They're more like 'inside men' who have been down this road countless times. They know what is an outrageous claim and what is a reasonable one. They may reach out to a Porsche shop and ask them to provide an appraisal of what an old Porsche is worth and then forward that to the adjuster to refute. My own indy did this for a 944 that caught fire or something but was fully covered by the owner. The owner was able to get a higher pay out than what the standard valuation for a 20+ year old car would be. 986's are not quiet 20 years old yet but values can vary wildly in the our markets depending on region, condition and supply. My take is that a person filing a claim like this entirely on their own expecting the best price possible is going to get screwed.

[Nine8Six]

Originally Posted by Perfectlap

Because lawyers here know how to work the insurance adjusters who make out the checks. They're more like 'inside men' who have been down this road countless times. They know what is an outrageous claim and what is a reasonable one. They may reach out to a Porsche shop and ask them to provide an appraisal of what an old Porsche is worth and then forward that to the adjuster to refute. My own indy did this for a 944 that caught fire or something but was fully covered by the owner. The owner was able to get a higher pay out than what the standard valuation for a 20+ year old car would be. 986's are not quiet 20 years old yet but values can vary wildly in the our markets depending on region, condition and supply. My take is that a person filing a claim like this entirely on their own expecting the best price possible is going to get screwed.

You'd think the common citizen, insured driver, would have a concise and detailed policy in a written format handed over by his insurance company at that price (saying that, I'm realizing I don't myself). That could help in avoiding being screwed by the insurers or getting slammed by additional legal fees.

The problem is likely to be same as elsewhere.... having just too many insurance companies, policies, catches, some scammers, to be able to feel fully insured these days :/

Feel really bad for Jake on that one... school kid with a Porsche car. How cool is that.... not the type of event you want to see happening to him (to anyone of course)

HE IS GOING TO WIN ANYWAY. GO-GO JAKE (screw the insurance mood thing... kick his arse bigjake style lol)

[Timco]

Originally Posted by Perfectlap

impounding the car of American while the gubimint decide what to do is tantamount to an act of totalitarian, fascism, Satanism, flag-burning, and puppy-kicking all rolled into one. China is a very different place but that much is obvious.

Cars are only impounded here generally if you have an obscene number of parking tickets or if you kill someone like a cyclist (which happened to a colleague of mine) requiring a mechanical inspection of your brakes.

Or if drugs are found.

[Timco]

Ask your agent how many days they would gladly want to be without their Porsche. It's been how many days now? What progress has your insurance company made exactly in getting you back on the road?? Ask them where they are in the process and exactly what you can expect.

Stay on them! Insist this moves forward today as per the police report, no further delay. You are at a loss every day you are without your vehicle or even a loaner.

[Nine8Six]

I get it... the bronco guy doesn't have that 'comprehensive' option and fight to have Jake at fault

So that's why this Bronco dude is making a lot of noise (I was really wondering why?!). Here the insurance co doesn't allow drivers on the roads without this "comprehensive" little addition. You just have no choice to get/pay it

So not only Jake stole his GF (mentioned in previous post) and never got well with him, in a way he also managed to trash his bronco and its' owner's wallet on that one. Bad Bad Bad Jake lol

I wouldn't look for a lawyer if I were Jake.... I would invest this money into finding a real BIGjake for personal protection for a few weeks

[BFeller]

Originally Posted by Nine8Six

I get it... the bronco guy doesn't have that 'comprehensive' option and fight to have Jake at fault

So that's why this Bronco dude is making a lot of noise (I was really wondering why?!). Here the insurance co doesn't allow drivers on the roads without this "comprehensive" little addition. You just have no choice to get/pay it

So not only Jake stole his GF (mentioned in previous post) and never got well with him, in a way he also managed to trash his bronco and its' owner's wallet on that one. Bad Bad Bad Jake lol

I wouldn't look for a lawyer if I were Jake.... I would invest this money into finding a real BIGjake for personal protection for a few weeks

Not having to pay comprehensive, if you have tickets, accidents, drunk driving, etc, can be a cost saver, if your driving a cheap car. My step son totaled a car a few months back. It could cost 2 grand or more to insure insure. He can get a beater car and drive it for 3 years and be way ahead. In the States I've lived in - we don't force people to have comprehensive, but you have to have liability to be responsible to other guy. We have 50 of them, so some other States may vary.

[BIGJake111]

They came to take photos of the car in the driveway today, said likely totalled, the appraiser also said that the reason why the other is likely fighting it is because it happened on private property and he did not get a citation and there is possibly not a full police report, rather just one saying the other individual is at fault. The money for aprasil will not be paid out at all until liability is taken care of. The other kids parents work bail bonds as I said and have likely found out that they have the slightest fighting chance because it is on private property. The kid is also trying to claim I moved my car to sway the cop, but the photos taken today will likely prove otherwise... An issue here is that both parties do not only have the same in co but we even have the same adjuster working with both of us. If I was hit any normal individual this would be likely resolved rather not only got hit by a student but one that can't stand me and has a decent portion of the student body wrapped around his finger.


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[BIGJake111]

Just called the agent apparently no full police reports from private property, so f* me. He was shaking in his boots and stuttering about when we mentioned an attorney. Big lesson here is for everyone to call a cop in the case of an altercation and if their is not a citation make sure the officer makes a full report or something in order to protect you.


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[Nine8Six]

Originally Posted by BIGJake111

Just called the agent apparently no full police reports from private property, so f* me. He was shaking in his boots and stuttering about when we mentioned an attorney. Big lesson here is for everyone to call a cop in the case of an altercation and if their is not a citation make sure the officer makes a full report or something in order to protect you.

This makes me want to puke, and buy you another BRAND spanking new car mate

feel ya from the other side of that globe