Had an Altercation Today

[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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[Nine8Six]

Originally Posted by BIGJake111

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.

Jake, you can't be responsible, it's a private property and there is no official report in neither of your hands (serious?). Seems this is only going to be settled 50/50 and someone is not telling you and watching the show. What's up with that man

[BIGJake111]

Originally Posted by Nine8Six

Jake, you can't be responsible, it's a private property and there is no official report in neither of your hands (serious?). Seems this is only going to be settled 50/50 and someone is not telling you and watching the show. What's up with that man

Oh yes at the least i will not be guilty, and it will be 50/50 but he needs to be held liable for failing to yeild to right away, we are planning to contact the corproal who we personally know about this and we just talked with our adjuster which it appears it was a misunderstanding on our agent that the adjuster is working with both sides because our adjuster happened to take their statement and theirs took mine it made things slightly complicated, but we do have our own adjuster and she said all they are waiting for at this time is photos of the other parties car, which i just hope he has not altered since the scene.

[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)