Accident Prime Advanced - Collision (released from hospital)

Discussion in 'Prime Main Forum (2017-Current)' started by Sid786, Jun 3, 2018.

  1. bresna

    bresna Active Member

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    Nope. Not at all.

     
  2. Skylis A

    Skylis A Senior Member

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    See the post that you quoted, I already answered that question.

    And whatever "replacement insurance" is doesn't matter. Use GAP coverage for totaled new car.
     
  3. toyopri808

    toyopri808 Active Member

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    OP, glad you are okay. Times like this is why I have a dashcam in all my vehicles. Good luck with everything!
     
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  4. Sid786

    Sid786 Active Member

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    I did receive the call today from Geico indicating that based on the police report, they are declaring that I am not at fault and the other party is at fault. Now they will proceed to work with the other party, who has progressive insurance. Now these two companies will fight with each other and I am not sure, when will I get the money to buy a new car.
     
  5. Sid786

    Sid786 Active Member

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    Here is how the road looks like where the accident happened. There is only a stop sign. There are no marks on the road indicating to clear the road when traffic is stopped. It is a major highway with a speed of 45 mph.

    I am also talking to Accident and Injury Lawyers, as I wanted to get a fair settlement. Anyone has any experience with Accident and Injury lawyers, do they help?

    upload_2018-6-5_14-9-47.png
     
  6. Sid786

    Sid786 Active Member

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    As far as I recall, the cars in both lanes were moving. My lane was a bit faster moving than the right lane. In the police report, the other driver is claiming that she was stopped at the stop sign and a driver in the left lane gave her the indication to cross the road.
     
  7. Mendel Leisk

    Mendel Leisk Senior Member

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    Should the bold text read "right" lane? You were coming up in the left lane?

    As to the other car's destination, maybe it was that that two-way left turn lane in the centre?
     
    #67 Mendel Leisk, Jun 5, 2018
    Last edited: Jun 5, 2018
  8. xliderider

    xliderider Senior Member

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    Sorry to hear about your accident. Your car is definitely a total loss, and the other driver is at fault.

    One thing that no one else has brought up, as an owner of a dark gray (winter gray metallic) Prius, I can definitely say that when you drive a charcoal gray colored vehicle, you might as well be driving a stealth car that blends into the surrounding blacktop roadway. There have been many times when other drivers have pulled out in front of my oncoming car like I wasn't even there.

    I have installed DRLs, which my 2011 did not come with from the factory, and it has helped immensely to make my car easier to see.

    When you do get a replacement for your Prime, I'd recommend getting a different color. Stay away from charcoal gray and black vehicles, and always use DRLs, if equipped.

    Posted via the PriusChat mobile app.
     
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  9. jerrymildred

    jerrymildred Senior Member

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    It will depend on how busy the adjusters are. The car that crushed our car was insured by Geico and they did well. They started poorly though with offering a fair price for a base trim Gen two. When I explained that it was a trim 6, they increased the payout quite a bit, plus gave us part of what we had just spent on air conditioning work and a brand new 12V battery. We got our check just over a week after the accident. It would have been a couple days quicker if not for their wrong assumption of the car's value.
    IMG_3200 copy.jpg


    The lawyer recommended to us by a good friend who used to be one of the prosecutors here did a great job for us. It was a royal pain for almost a year with all the treatments and fighting with medical providers and insurers. But, once we got the lawyer involved after the first few months, we were finally able to feel a little more optimistic and not be spending all our time on the phone. He saved us a ton of money and untold hours of haggling. I'm not a fan of lawyers in general because so many are crooked and people over use them. But in this case, I'd say ask your friends who they would trust and get one. Your life will get a lot less complicated.
     
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  10. Sid786

    Sid786 Active Member

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    You are correct, it should read "right" lane. I was in the left lane i.e., I was in the lane near the center divide.
     
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  11. PCPrime

    PCPrime Member

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    To her, it is the car on her left side.
     
  12. Sid786

    Sid786 Active Member

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    Changing color is a great suggestion. Only reason I picked grey, as someone told me that with lighter colors a small dust or mud will look a whole lot bad and I will be running around to the car washes. But safety trumps everything else. So I will definitely look at a different color.

    And this is also correct. If I get the chance, I will post the exact wording of police report with the image.
     
    #72 Sid786, Jun 5, 2018
    Last edited by a moderator: Jun 8, 2018
  13. cramer77

    cramer77 Junior Member

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    GAP (enough of this word already) insurance only covers what you owe on a financed or leased car.
    Replacement insurance covers you if you paid hard cash as in a money order or cheque (check for you Americans)
    Where I live, I have 5 years of new car replacement coverage in case of a total loss on my 2018 Prime.
     
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  14. PT Guy

    PT Guy Active Member

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    About hiring an attorney...what damages did you suffer in addition to the loss of your car? Add those up. If it isn't significant, it isn't worth the lawyer's time to take your case. If you were injured, take all the time you need to get stable and recover as much as it will recover before you sign off on any settlement for the injury. You can sign off on the car settlement as soon as you feel it is fair, and keep the injury settlement open until you know more.

    Read and understand all the fine print in your insurance policy. That's the coverage you bought, so that's what you can expect to get from them--if everything goes right. If you use a local insurance agent, put the agent to work for you. They may get their calls answered more quickly than your calls get answered.

    Here's something I found on the internet about hiring a lawyer, so it must be true...
    Do You Need to Contact an Attorney After a Car Accident?
    "Generally speaking, it depends on what happened and what injuries were suffered, and to whom. If you have not been hurt, the answer is probably no. If you or anyone you care about has been injured in the car accident, especially if there is any permanent injury, or significant time is lost from work, school or household duties, you should see a lawyer about representing you in a claim against anyone who may be responsible for your injuries."

    Not quite. Gap coverage (if you bought it) covers the difference between what you owe and the car's book value. I'm not familiar with insurance for leased cars. I've found the cheapest place to buy Gap coverage is from one's own insurance. The most expensive is from the dealership.
     
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  15. Since2002

    Since2002 Senior Lurker

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    Quite possible, although then again maybe not. Yes the proper procedure is to always turn into the two-way lane first then merge into the traffic lane. However someone could argue (not me) that if there is no traffic coming from the right, but traffic approaching from the left, that it would be safer to go straight across in order to get clear of the oncoming cars faster, then essentially conduct most of the left turn in the traffic lanes on the other side, since there are no cars on that side. However the reason I say I wouldn't make that argument is because if the oncoming cars are close enough for that to make a difference then I'm not going anyway, I will wait until it is safe. But I'm just saying that is what I think goes through some people's minds in these situations. Either she saw the Prius but misjudged his speed and thought she could shoot across in front of him, or she didn't see him, but not being 100% sure that there were no cars coming she decided to shoot straight across. Or like you said she planned to turn into the two-way lane. All are possible. Maybe if we eventually get to see photos of the other car it will be possible to make a better determination.

    By the way I always remember my high school driving instructor calling the two-way lane the "suicide lane". Maybe a bit over-dramatic but I always think of that whenever I have to use one.

    Just want to say thanks for providing all of the information that you have. I realize you're still shook up, and also it's not easy to remember everything. We are picking this all apart only because we all want to be safe, and we are learning from your experience, at least I am, and I assume that you are also. Regardless of all of our armchair accident investigation discussions, I think everyone here wishes you the best that you will fully recover, and the financial reimbursement will go smoothly and quickly, and that you are able to get a nice replacement car equal to or maybe even better than the one that you lost.
     
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  16. Sid786

    Sid786 Active Member

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    I am learning from this experience and wishes everyone to learn from my example. So that you guys are better informed. For example "no-fault" NJ law for injuries and loss of pay etc was a total surprise for me. Next surprise was finding the cost of Emergency visit, which was $2500 (another friend told me after her auto accident). So initially I was thinking that for PIP insurance, I will just pay for ER visit via Self Pay, but now I am finding out that my $2000 deductible on PIP will still be cheaper.
     
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  17. Andyprius1

    Andyprius1 Senior Member

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    Incidently, if a driver, road worker, Policeman waves to you indicating to cross or whatever.....YOU are still responsible. So never let a cop rush you across a intersection, he’s not liable.
     
    #77 Andyprius1, Jun 5, 2018
    Last edited: Jun 5, 2018
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  18. MagnetoBlue

    MagnetoBlue Junior Member

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    I'm glad you're ok. I'm still researching the functionality of Prius Prime Advanced. If anybody has time, what and how did the feature of Prius Prime Advanced help in this car accident?
     
  19. El Dobro

    El Dobro A Member

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    Maybe she was on a cellphone, a lot of that going around lately.
     
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  20. Andyprius1

    Andyprius1 Senior Member

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    This will come out of the other insurance company after you are found not at fault, DO NOT settle personal injury now, put it off til last. It’s your wedge to getting a better car deal. Making a fault determination can take a month or more. Any hospital care cost can be delayed and included in the settlement. Do not pay out of pocket.
     
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