Prius 2010 in Collision

why are you dealing with your insurance co? isnt the other lady's insurance company paying you for car and rental?

 

Does your insurance company do a "new for old" benefit? What I mean by that - in Australia for example, with Toyota Insurance, if your new Toyota is totaled in the first 3 years, they arrange to give you another new Toyota, same model and all (if available). Naturally in that case the policy finishes and a new policy would need to be commenced for the new car.

Yeah but she still would've had to make the claim with her insurance company regardless. She just doesn't have to pay an excess, as the other party is at fault.

 

Glad that nobody was hurt...and that it was totaled...

 

Great point (and glad no one was hurt). Dealers always try to sell this to cover the loan in the event car was totalled. They wanted $600 and my credit union was $300. Both ONLY cover the loan; they have nothing to do with getting a new car.

So I asked my Allied insurance agent about it (first time ever) and it was ONLY $30 a year to add it. Not only does it pay off the loan, but gives me a new car replacement the first 3 years and then coverts to gap coverage for the loan the next 3. At year 7, no longer offered. My loan is 4 years.

I expected the dealer to be a rip-off but was surprised how much the credit union was charging. Guess they have to recoup $ since I have a 3.5% fixed loan with no prepayment penalty (received extra .5% off for green car)

 

i just came from a black car

my advice

don't pick black

it shows the dirt and scratches way too much

 

So glad no one was hurt.
I hope everything works out with the insurance. I cannot imagine what a pain it would be,

Those photos make me want to cry. We also have a black Prius.

 

Glad it was totalled. I don't think they can perfectly repair a car after an impact like that. One of my BIG concerns about dealing with a repaired wreck is that when future problems inevitably arise, the dealer will likely say it's not a warranty issue with the manufacturer, it's an issue with the repair shop. And naturally, the repair shop will point their finger the other way. That would be one heck of a lousy situation to be in.

 

I would NOT waste my time talking to the insurance people at all! Spend your time doing a couple of things:

1) start a daily journal. Document as much detail as you can about every impact (pun intended) of the accident to you and your family.

2) shop around for a good lawyer who specializes in accident claims. Careful, this is where you can find some unsavory types, so ask friends, relatives and interview a few attorneys. You should be able to get 30 minutes of free time with a good lawyer to determine who you want to hire. They should not charge you up front - they'll get their fee after the case settles.

3) have everyone in your family who was involved in the accident go to your family doctor for a check up - there may be hidden injuries or problems that have yet to surface.

Good luck.

 

It's standard for insurance companies to only give you three days worth of rental to get a new car if yours is totalled. However, you could certainly go to small claims court to recoup the extra rental cost since the car is not readily available at dealerships.

I would suggest you get it in writing from a bunch of dealerships as to whether they have the same car in stock and how long they would expect it to take to get one. That could be used for evidence if you needed to take it to court to get payment for the extra rental car expenses.

P.S.: You're not allowed to get your new car before I get mine back. That would just be uncool. :tongue1:

 

I did the same thing and when I bought my car, used the switch over to find a new agent. I asked a friend who they use and ended up with state farm. I feel much better about them. They sent me a free coffee coupon and my friend one... then they sent another for my bday! The customer service at that level is better for sure, I haven't had to deal with any claims so can't speak to that personally, but I dealt with a call center claims adjuster with my last insurance and it was difficult. They kept transferring me to different adjusters etc.

That's good information that it's standard practice, at least it doesn't feel like they are trying to manipulate and cheat you specifically. Oh wait.... that's what insurance companies do...

 

Wisconsin isn't TOO far from Ohio!!

http://priuschat.com/forums/gen-iii-2010-prius-main-forum/70850-passed-our-gen-3-a.html

Might be your lucky day!

 

You probably already have an attorney, have him/her make a few calls. I've heard the insurance companies seem to listen better when someone (an attorney) other than the policy holder calls. If you're within "a few thousand" I'd think the attorney could help the company decide to go ahead and total out the vehicle.

 

I'm sorry to hear about your car. I was traveling down rt.66 in va. last week and a truck tore out a big chunk of a gray 2010 Prius. I felt so bad for them.
I heard about someone that ordered a new Prius in June and it finally came in. They had to turn the car down because the dealer wanted a lot more money for the car. You may want to check on that, and don't sign off on the medical until everything is worked out. Were you sore the next day? You probsbly took a harder hit than it seems. You may need to consult a lawyer to see what your rights are. If you let your insuance handle the claim, you may end up paying a deductible.