2008 pkg 4 destroyed - Insurance question

[nooaah]

Hi everyone,

My 2008 silver pkg 4 was totaled by a drunk driver over the weekend. Pics will be at the bottom of the thread but we're basically being watched over by God because we shouldn't have made it out of there alive.

Anyway, the police report is still pending and I don't even know if the drunk is insured. Without the police report, basically nothing can happen for me as far as getting a replacement is concerned. My question is, what sort of value would you estimate a 13 month old 2008 pkg 4 with no dents and 14,000 miles to be worth?

I just need peace of mind right now. It's been nearly a week and I have no information whatsoever on anything!

My car was killed but we survived. pt I | Facebook

[KK6PD]

Originally Posted by nooaah

Hi everyone,

My 2008 silver pkg 4 was totaled by a drunk driver over the weekend.
Anyway, the police report is still pending

Saw the pics, if that were my car, boy would I be PISSED!!! Glad however you made it out ! It takes up to 14 days to get a final police report. Usually they are ready in 72 hours. Last accident I had, that's how long it took to get my copy.

HOWEVER, GET A LAWYER!!!!!

Right now, not later, now. Do not answer the insurance companys questions, his or yours, without one. The Insurance company is NOT your friend. They want to pay you as LITTLE as they can.

Originally Posted by nooaah

I don't even know if the drunk is insured.

This is why you are going to get a lawyer, you have no idea, unless you are a laywer, of the scope of this accident. THE DRUNK PAYS FOR EVERYTHING!!!
The legal system will work it out.

Originally Posted by nooaah

Without the police report, basically nothing can happen for me as far as getting a replacement is concerned. My question is, what sort of value would you estimate a 13 month old 2008 pkg 4 with no dents and 14,000 miles to be worth?

Again the Lawyer will talk to your insurance and get the best settlement.
You did not ask to be clobered, "The Drunk" took it upon himself to get loaded, and find a target, YOU!!!
Thankfuly things were not worse.

Originally Posted by nooaah

I just need peace of mind right now. It's been nearly a week and I have no information whatsoever on anything!

Google Philly Accident Attorneys. Call several, talk is free, and you find one you feel comfortable with, have him take the case. I would bet there seveal PROMINENT Attorneys in Philly who specialize in this kind of matter.Usually the first visit is aways free, talk to the attorney, tell him what happened, show, email, link him the photos.
You will come out WAY ahead of this mess with an Attorney, rather than without one.

Good Luck, please let us know how it resolves out!

[daniel]

Glad you were not hurt!

This is the kind of thing I'm talking about when I advise people to buy insurance from the best company, not from the cheapest company. A good insurance company would have had someone look at your car, and then would have settled with you immediately. The police report would have determined whether your insurance company takes it out of its own pocket, or goes after the other driver or his insurance company, assuming you have both collision insurance and uninsured driver coverage.

Of course, if you didn't have collision coverage, then you're not covered unless there's a determination that you were not at fault, and that will depend at least in part on the police report.

But if you are fully insured, your insurance company has no excuse for delaying.

I've never had an accident of this magnitude, but I've had several fender-benders, and my company covers it immediately, and then makes a determination if it's my fault (in which case my rates will go up, but they'll still pay) or the other driver's fault (in which case my company pays me, and then gets it back from the other company.)

If your insurance company is stalling, then maybe you do need a lawyer. But then you need another insurance company, that won't make you hire a lawyer to get the coverage the insurance company promised you!

[nooaah]

Originally Posted by daniel

Glad you were not hurt!

This is the kind of thing I'm talking about when I advise people to buy insurance from the best company, not from the cheapest company. A good insurance company would have had someone look at your car, and then would have settled with you immediately. The police report would have determined whether your insurance company takes it out of its own pocket, or goes after the other driver or his insurance company, assuming you have both collision insurance and uninsured driver coverage.

Of course, if you didn't have collision coverage, then you're not covered unless there's a determination that you were not at fault, and that will depend at least in part on the police report.

But if you are fully insured, your insurance company has no excuse for delaying.

I've never had an accident of this magnitude, but I've had several fender-benders, and my company covers it immediately, and then makes a determination if it's my fault (in which case my rates will go up, but they'll still pay) or the other driver's fault (in which case my company pays me, and then gets it back from the other company.)

If your insurance company is stalling, then maybe you do need a lawyer. But then you need another insurance company, that won't make you hire a lawyer to get the coverage the insurance company promised you!

They're doing that today. The only reason they hadn't done it already was because I couldn't get to my car to remove my stuff. The police forgot to give me back my license at the scene so I don't have access to transportation. Ugh!

I do have a lawyer identified I just didn't know if I should retain one until the report is ready. My insurance has been awesome throughout this whole mess, btw. I have Nationwide and I paid for just about every option worth having on the policy. They called 2 days after the accident to get my loan information so they could pay that off. They told me today to start looking for a new car. They told me since it's a Prius, it should retain most of it's value since it's only a year old.

Okay, contact my lawyer now. got it! I've never been involved in anything requiring a lawyer so this is all brand new.

[nooaah]

Okay, I officially retained a lawyer. He's the brother of a good family friend. He has an excellent reputation in the city and a great record.

I can't wait to start getting SOME closure. This whole thing is worse than a nightmare.

[KK6PD]

Originally Posted by nooaah

Okay, I officially retained a lawyer. He's the brother of a good family friend. He has an excellent reputation in the city and a great record.

I can't wait to start getting SOME closure. This whole thing is worse than a nightmare.

Good for YOU!!!

As I have sooo painfully found out on my own, things wil just not happen fast enough for you!!!

This is NORMAL, it's like Time Dilation on the Event Horizon of a BLACK HOLE.....
Everything around you is normal but YOUR life will drag behind until it's over.

Been there, Done that!! I found Marguerita's help!
My Attorney did all the work. One day I received that wonderful call, CASE CLOSED!!!
He handed me a check, and I had already picked up my NEW 4Runner!!! This was in '95, today it would Be a "V with AT"!!!
WooHoo I was now back in real time!!!

You day WILL come, look forward to it!

[nooaah]

The worst part is leaving you guys for the gen 3 crowd!

Seriously, it's a huge weight off my shoulders just knowing i have someone going for war for me. Hopefully I get my license in the mail tomorrow and at least I'll gain some autonomy again!

[Sandy]

Originally Posted by nooaah

The worst part is leaving you guys for the gen 3 crowd!

Seriously, it's a huge weight off my shoulders just knowing i have someone going for war for me. Hopefully I get my license in the mail tomorrow and at least I'll gain some autonomy again!

we are only a click away glad you are safe

[boppo]

Originally Posted by nooaah

The worst part is leaving you guys for the gen 3 crowd!

Seriously, it's a huge weight off my shoulders just knowing i have someone going for war for me. Hopefully I get my license in the mail tomorrow and at least I'll gain some autonomy again!

Man,
glad you are ok and I hope you like your 2010, Trying to sell my 2006 to go that route.

[JRitt]

KBB says that with 14,500mi retail value is $22,800