2008 pkg 4 destroyed - Insurance question

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.

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.

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.

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!

 

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!

 

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!

 

we are only a click away glad you are safe:rockon:

 

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

 

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

 

Are you still OK? No extra pains today? I hope not.

Thanks for the pics... Nice to see the Toyota Buyers Protection Plan (ie airbags) deployed apprpriately... since both went, I presume you werent alone.

BTW, it wouldn't look as bad....















... if you removed those trim rings.

 

Glad you are OK. Looks like Toyota builds them correctly as it didn't look like a piece of glass broke.

About the lawyer, I don't necessarily agree though. If there were injuries involved, absolutely get a lawyer. Since it doesn't seem like it, it might just be a waste to me. You can call three dealers to get estimates of your vehicles worth "to replace", not wholesale value. Look in the local autotrader online, cars.com, etc. All of those will give you a decent value to replace since that is what the insurance is contracted to do.

I guess having an attorney can't hurt anything but the bottom line since he has to get paid for his time. Hopefully you negotiated a fair amount for him instead of a percentage of your money. Since he is kind of family, I would think the latter isn't the case.

 

Oh yeah, I am very glad you took KK's advice and seeked out counsel. Wow, that is quite the list of injuries. Looks like it was a mostly head on collision.

And there are still people wondering why drinking and driving is such a stupid thing to do... Cabs are MORE than welcome to come pick you up nowadays. I even called a tow truck once. Just so I didn't have to take a cab back the next morning to get my demo.

 

Thank the good Lord you are alright. I was involved in a front and rear crush by a drunk driver in my 1997 Geo Metro Hatchback. Police were chasing her and she crashed into my car while I was stopped at a stop light behind a Ford Taurus wagon. Police told me he thought I was lucky to be alive. I became a total believer after that! At any rate, demand more from your insurance company. You did not ask for that drunk driver to hit you, and you want to have a car equivalent to yours back.

 

The picture album isn't public, you apparently need to be logged
into farcebook.
.
_H*