Insurance questions, car got rear ended
 

Hey guys, my car got rear ended pretty fucken hard last night. I was sitting at a stop light and a Cadillac CTS wasn't paying attention and slammed into the driver's side of my rear bumper. I have a feeling my car is going to be totalled because of the low book value of these cars...but it was really nice.

I've got a few questions:

If the insurance company decides to total it, how do I go about buying it back? It's got a good B16 and good wheels on it and a couple hundred dollars of fresh front end work that I CAN'T afford to lose, no matter how much money they give me for it.

We both have the same insurance company / agent, will that affect anything?

My neck and upper back are sore as ----...should I go to the hospital or just take some vicodin I have left over? I'd like to go but I'm afraid I might get a bill and have trouble paying it or forwarding it to the insurance company to pay.

Basically I just want to know how to come out of this without getting screwed, and maybe coming out on top. The guy already admitted it was totally his fault (no ----) and he is a chiropractor so I can go to him if I need anything.

Pics:

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Re: Insurance questions, car got rear ended
 

goto the hospital NOW NOW NOW NOW NOW, seriously, complain about your NECK NECK NECK NECK, make sure you emphasize neck pain. You will be billed for everything, the insurance compnay will cover it, goto the doctor AS OFTEN AS YOU CAN, once a week is good. complain more and more, get a CT scan, x-rays, EVERYTHING, this will rack the bill up SUPER HIGH, and take you lots of time, therefore your payment from the insurance company for pain and suffering will be more, they will most likely try to jew you at first, DO NOT TAKE THEIR FIRST OFFER AND KEEP ALL RECIPTS, they wanted to give me 2500 at first, i was like ---- no, loook at all this ---- i went through, and in the end i had 7200 dollars in my pocket that i had to pay NOBODY back. My health insurance paid for all the stuff, and the guys insurance company paid me, and from what i hear, if it takes over a year you can keep the money without paying it back to your health care company. It probably will take a long time to get the money in your hand, but it will be worth it, and whatever you do, DONT TALK TO THE GUY THAT HIT YOU, ---- if hes a chiropractor, he ------ rear ended you. ------ -------. youre in pain, youre hurt, now GOTO THE HOSPITAL

Re: Insurance questions, car got rear ended
 

you may be chingchongmeow import, but you're right

Re: Insurance questions, car got rear ended
 

Attachment 32099

OUCH..



Scott is right, ---- your insurance co. as much as possible, they tend to ---- us (males 18-25) as much as possible. Now its your turn. i'll pay top dollar for your vicodin... ;)

Re: Insurance questions, car got rear ended
 

Dude.... You're in IL and asking about what to do in such a case?


Say it was a hate crime :P

Re: Insurance questions, car got rear ended
 

I'm white though. How do I get into the hospital if I can't pay for it? I've got insurance but I don't know if it covers this type of ----.

Re: Insurance questions, car got rear ended
 

Another thing...my car is swapped, if the insurance adjuster looks at it and sees that it is swapped do you think he will say anything?

Re: Insurance questions, car got rear ended
 

Dosent madder and u always have the right too keep the car.

Re: Insurance questions, car got rear ended
 

i think the best thing is to have a picture of your engine bay. and point out all the aftermarket parts and reciepts if you have them. name the company and product to them and tell them they can price it out on the internet. or better have prices already for them. never had to do this but i think this is the best way to get your money back.

Re: Insurance questions, car got rear ended
 

honestly, you have atmost, 24 hours to get to the hospital, dont waste your time.

Re: Insurance questions, car got rear ended
 

I went to Carle clinic today and they wouldn't ------- see me. They said that they don't do auto accidents because they're too much of a liability or something. The fucked up thing is that if I got in there I would have been seen by the guy that hit me.

So I went to the ER today and sat there for a good 3-4 hours waiting for somebody to help me but people kept coming in missing arms and fingers and ----. I got pissed and walked out, tomorrow I'm gonna see if I can set up an appointment with the dude that hit me instead of just walking in and trying to be treated. If that doesn't work out I'm gonna have to drive 45 miles to the next hospital that actually has more than one doctor working at a time.

I talked to the insurance people today and told them I was hurt BAD and can't work, drive, or sleep. They said they had no idea I was injured and the claim had to be refiled as an injury claim as well so hopefully that'll buy me some more time since I told them I didn't know where I could go and be covered by their insurance.

Re: Insurance questions, car got rear ended
 

theyre going to lol in your face when you tell them you JUST now got around to trying to claim over a week since it happened :l :S

Re: Insurance questions, car got rear ended
 

Insurance company wasn't open on the weekend, what am I supposed to do about that. I can't really help it that the health care sucks in this town. I'm not trying to get rich but it'd be nice to have some spare cash in my pocket.

Re: Insurance questions, car got rear ended
 

Jeez where are you in Chicago?

Re: Insurance questions, car got rear ended
 

No I'm in downstate IL. About 30 mins East of Champaign (think U of I).

Re: Insurance questions, car got rear ended
 

what kind of ------- moron gets an appointment to get checked out by the doctor that hit you. that is abso-------lutely retarded. see how quick he dismisses you as fine and there goes any hope after that. moron

Re: Insurance questions, car got rear ended
 

WTF

Re: Insurance questions, car got rear ended
 

"tomorrow I'm gonna see if I can set up an appointment with the dude that hit me"

rofl, he'll just say you're fine :P

Re: Insurance questions, car got rear ended
 

I doubt that, he'd get ---- for malpractice or something like that. Besides, he's really the only doctor in town other than the ER.

Re: Insurance questions, car got rear ended
 

Dude, I travel ~50 miles to go to my doctor. And I drove there even after my car accidents.

Go elsewhere.

Re: Insurance questions, car got rear ended
 

I don't have a car to drive right now, I've been bitching at the insurance company all morning cause my neck hurts and nobody can get me in locally.

Re: Insurance questions, car got rear ended
 

Oh, and in this time of pain and whatnot, would you be willing to sell that CRX for cheaper? :P

Re: Insurance questions, car got rear ended
 

Considering it's wrecked now...if they don't repair it then the shell will probably be up for grabs. I'd rather see somebody fix it and DD it or just drive the ---- out of it than having to part it out and give it to the junkyard.

Re: Insurance questions, car got rear ended
 

Get off your lazy ass and check the links I put in the wanted section ;)

Re: Insurance questions, car got rear ended
 

Four and a half hours in the emergency room with zero sleep all day or all night and I come out looking like this:

Attachment 32052

1st doctor I talked to said that it looks like I've got a chipped or fractured bone in my neck, then his shift was over and he went home...another doctor said the CAT scan came out okay even though the X-Ray showed some nasty ----.

So basically they gave me painkillers and muscle relaxers said go see your regular doctor.

I'm gonna go to my regular doctor and a different ER.

Re: Insurance questions, car got rear ended
 

^^^^^ there ya go, send me your vikes ;) that picture should be worth some of the insurance dollars

Re: Insurance questions, car got rear ended
 

I forsee a used Benz in your future if you don't ---- it up :D

Re: Insurance questions, car got rear ended
 

That is some funny ----.

Re: Insurance questions, car got rear ended
 

If you want my advice, lay off the painkillers whenever you gotta see anything related to this, and say you're on them. Trust me.

Re: Insurance questions, car got rear ended
 

Yeah the painkiller and muscle relaxer they gave me knocks me the ---- out so I've been avoiding it. My regular doctor is on vacation so I'm going to drive half an hour to go to a neck and back specialist to get a second opinion on the 17th, that's the soonest they could get me in.

Re: Insurance questions, car got rear ended
 

oh and the CRX will be written off, you can see folded sheetmetal near the gas filler cover.

too bad, looked like it was in great shape.

Re: Insurance questions, car got rear ended
 

1) you tried to see the foolio that hit you for medical treatment. ???

2) you and foolio have the same insurance company. :3

Be very careful, you racist cracker assmallet, you might get fucked over this.

Re: Insurance questions, car got rear ended
 

I don't think he even knows I tried to get into his office, and I ended up going to the ER anyways. I'm going to a completely different doctor/ medical center for a 2nd opinion / follow up.

I'm not sure if the CRX will be written off or not, the body shop I took it to is one that works closely with my insurance company and they quoted me $2700 to fix it with brand new parts. They said they were waiting to hear back from some junkyards.

I still haven't heard back from the insurance company when they said they'd call me back the same day 2 days ago. I'm getting pissed.

Re: Insurance questions, car got rear ended
 

Buy it back and just get a cheap sedan I posted. They're around $600; better than nothing or what the company gives

Re: Insurance questions, car got rear ended
 

Just got off the phone with the insurance company, I've got a check in the mail for a rental car to cover a rental car since the day after the accident until about a week from now. They also said that an adjuster will be out to look at my car within 24-48 hours.

I also let them know about what the hospital said about my neck injury and that I'm going to another doctor. If they decide to total my car and don't want to give me what I want out of it...that's when I'll get an attourney.

Re: Insurance questions, car got rear ended
 

youre on the right track, i'd post what you need to do here but im not sure that you'll take what i say to heart, hit me up on AIM if you want to know what to really do in order to get paid. aim = ihateslhs