This f****n sucks!!

[92teggsr]

so are you just gonna drive your parents car for the next 6 months ? Damn you're lucky. If I was in your shoes I'd make my mom get me a car just like that one cause after all she wrecked it. But that's just me. Also do you like integras ? Cause for 8500 ou could get a nice GS-R because for my taste preludes are too small and civics unless it's an Si are too weak. Or if you want you can buy my integra with a B16 and a 14.7 1/4 mile........do you live in Redmond ? Cause I live right in Everett and it would be kinda cool if we could get a meet together with some people from around here or something.

[99civic03]

Im really not mad at her, and I dont really plan to be either, cus it was an accident, something she couldnt really avoid, and afterall, her and my dad bought the car for me in the first place.

About getting a teg...They are pretty sweet cars, I really like them a lot, but there are a few problems. First of all, 3 of my best friends have Integras, so Id like to get something different than them. Secondly, I have to pay for gas, and a civic ex gets about 10-12 mpg better than an integra, so thats another downside. Third, my friend pays $3200 a year for insurance for his 00 gs, and on my civic I only paid $2400, so big difference there too. I dunno though, Ill see what suits me best in 6 months.

[Jetts]

Originally posted by eckoman_pdx
Hey man, I seriously feel for you. I mean, I feel really bad for you. I know how you feel. I know from experience. Last year, I was at a red light, and an F-250 nailed me from behind. The guy himself was cool, totally admitted fault at the scence (officer said it was complelty obvious it was his fault, so he thanked the guy for being honest and saying me trouble). Of course, I got trouble. I had a B18B1 with really low mileage just put in, and a slew of other mods. I have just purchused Z3's, plus a body kit. His insurance tried to offer me only like $3000. I got them up to $5000. But I wouldn't budge. I called an attorney, who I actually later hired. He told me they have to give me "fair market value" for my vechile. Since a vehcile like mine (or yours) isn't listed in a "blue book," fair market value can be legallly determined by finded as many for sale ads as you can of cars with simliar things done to them with the price listed. I did this, and gathered about 15 local ads, all between $9000-$13000 for cars of a simliar year and simlier mods. Anyways, I hired him becuase they along wanted to screw me. Long sotry short, he legally proved my "fair market value" to be around $10,000 at the time. So finally, insurance opted for the fix and not the total. Anyways, what I am getting at is don't let them screw you. You don't have to settle. You can fight. Since it's your car, they can't touch it unitl you let them. They can try and total it, but in the end, you have the final say as to weather you agree or not. If you don't agree, hired an attorney. If they try screwing you, just take the damn engine, tranny and ecu out. It's your car, so you can do whatever the hell you want in that regard. I was ready to strip my car if I ended up totaling it. Good luck with all this, man.

you are lucky cause some insurance companys can get away with not giving you shit cause they arnt insuring the custom car you drive they are insuring the stock one
so you can get screwed out of all the money and dont get shit!
and this is true, it happened to a friend of mine

[dreemkill]

problem #1: letting you mother drive your lowered / non-stock engine car.

[eckoman_pdx]

Originally posted by Jetts



you are lucky cause some insurance companys can get away with not giving you shit cause they arnt insuring the custom car you drive they are insuring the stock one
so you can get screwed out of all the money and dont get shit!
and this is true, it happened to a friend of mine

I had a few things working in my favor. First off, it was his insurance that has to pay everything, since he adimmted fault. My insurance already knew about all the mods to my car, they were dropping me because the worth of the car was well over that of a civic. Third of all, they had to give me "fair Market Value," per oregon law. So even if they weren't insuring the mods, they still had to give me the fair value I could get for the vehicle in it's pre-accdient conditon. I wouldn't have gotta it at all though, had I not hired my attorney. He was really good too. When Argueing didn't get anywhere, Filing a lawsuit did...They settled right before we did. They finally admitted that my car's fair market value was 10 grand. I had more than enough info to prove I could have gotten 10 grand on the open market selling too. But it was a lot of work to do all that. Plus normally you have to pay the attorney for the work. I guess since he was my attorney for the realted injuries, he did that part out of the goodness of his heart, lol, since I was never billed. But you are right, without an attorney, insurance will give you that stock line, and that's all you'll get. That's all they were trying to give me. But I knew about the fair market value thing. So I contancted my attorney to see if I was right. and I was, If I could prove I could have sold my car for 10 grand on the open market, that 10 grand was a "fair market value" for the sale of the vehicle pre-accdient, thats the price they would have to give me. That's eventually why they settled right before the lawsuit was filed. We had more than enough info to back up the judge and jury. I know it's the same way in Washington, they have to give you the "Fair Market Value" of your vehcile. Definied the same way as here. I am not sure about other states. But if you ever get in a wreck, check with a good attrney if you are in that boat before you settle, because insurance would like you to belive (they they tried to tell me) that it just isn't true. But legally, it is, so if you fight it long enough, you might just win. But it took me like 3 months.

[Jas_M]

It shouldn't take the insurance company 6 months to cut you a check. That sounds like a crock to me.

[/\/imbus]

Insurance companies invest a lot of their money in stocks, bonds, and mutual funds. The longer they can hang onto the money the more they will make on the markets, assuming they make gains in these markets.

My Dad is really picky about getting his money fast, cuz he also has a nice portfolio, and likes to make sure he is using his money effectivly all the time. It isnt a big deal tho, like you said, the value of the car you want to buy should drop a little in those 6 months so the money you lose by not investing that money for those six months will be regained by the depreciation of the car.

[/\/imbus]

And i wish my parents would buy me a car, my dad sure has the money for one, but he is really crazy about making me work for everything i ever get. He does not want to baby me, thinks it will make me a more potent buisinessman or something...

[eckoman_pdx]

Originally posted by Jas_M
It shouldn't take the insurance company 6 months to cut you a check. That sounds like a crock to me.

I know why they would likw to wait to cut a check. But you are entitled to the money as soon as you agree to the total value loss assessment for your car.