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T-Bone
Mar 29, 2024 19:45:59 GMT -5
via mobile
Post by Leftee on Mar 29, 2024 19:45:59 GMT -5
We all get to decided what our great life is/should be.
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Post by Larry Madsen on Mar 29, 2024 20:23:15 GMT -5
hope you have uninsured/under insured coverage We do not purchase insurance in order to meet the law. We purchase insurance to have coverage. |
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T-Bone
Mar 29, 2024 21:31:40 GMT -5
Post by RufusTeleStrat on Mar 29, 2024 21:31:40 GMT -5
Larry I hope that you have Uninsured motorist coverage. If so then you do not need to worry, regardless of her PD your collision coverage should cover this. I would not trust her coverage to be sufficient, but then again you may be surprised.
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T-Bone
Mar 29, 2024 22:10:10 GMT -5
via mobile
Post by Larry Madsen on Mar 29, 2024 22:10:10 GMT -5
I would not trust her coverage to be sufficient, but then again you may be surprised. As noted, I anticipate she does not have sufficient policy limits to cover the damages. We have opened claims with both her insurance and our insurance. We are covered one way or the other. It will most likely be our insurance making us whole and then a subrogation process between insurance carriers. Edited to add: I confirmed with our agent (of over 30 years) that this being handled through our insurance would not impact our rate going forward. He confirmed that to be the case. |
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T-Bone
Mar 29, 2024 23:14:44 GMT -5
Post by RufusTeleStrat on Mar 29, 2024 23:14:44 GMT -5
This is the exact advice I would have offered as well.
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T-Bone
Mar 30, 2024 7:09:06 GMT -5
Post by oldnjplayer on Mar 30, 2024 7:09:06 GMT -5
glad you and the missus are OK. My niece and her one and three year old were t boned a few weeks ago in a fairly new Toyota Rav 4. every one was OK, the child seats did their jobs. Car was totaled. They were able to buy a newer used Rav 4 without much additional dollar outlay. In NJ we are required to carry insurance against getting hit by under or non insured drivers.
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Post by Larry Madsen on Mar 30, 2024 11:42:38 GMT -5
Queenie looked at Kelly BlueBook.
It appears high retail on our 2023 CR-V is pretty much the same as a new 2024.
$32,000.00 to 35,000.00ish
Surprising indeed.
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T-Bone
Apr 1, 2024 10:30:18 GMT -5
Post by Larry Madsen on Apr 1, 2024 10:30:18 GMT -5
Well, hopefully we get some definitive info on Queenie's car soon. Queenie is feeling better every day. It was the seatbelt that gave her the biggest painful issues across her chest. My head (foggy sensation) is clearing up and the headache clearing up. The sharper head pain is gone now mostly dull headache at times. Neck stiffness about gone and the arm is looking better. We are still well aware of how much worse this could have turned out for us.  Hematoma lump  elbow by Larry Madsen, on Flickr Bruising, still painful in the arm, but it is looking better.  IMG_6214 by Larry Madsen, on Flickr |
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T-Bone
Apr 1, 2024 10:36:49 GMT -5
Post by Taildragger on Apr 1, 2024 10:36:49 GMT -5
Ouch!
Hope y'all heal up ASAP, Larry.
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T-Bone
Apr 2, 2024 10:17:17 GMT -5
via mobile
Post by rickyguitar on Apr 2, 2024 10:17:17 GMT -5
Glad you are both on the mend. We got hit once and the guy tore us up. He walked away. Took me year of surgery and therapy to walk.
Prolly wise to continue to monitor your wellness.
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T-Bone
Apr 2, 2024 10:20:24 GMT -5
Post by Leftee on Apr 2, 2024 10:20:24 GMT -5
She showed a Nevada ID card, not a driver license. ^ Makes me suspect she didn't have a license. |
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T-Bone
Apr 2, 2024 12:18:28 GMT -5
Post by Larry Madsen on Apr 2, 2024 12:18:28 GMT -5
Sounds like she was cited for that. Got that info from her insurance company, probably stopped there not wanting to make any admission of running the red light. Also were told they (at fault) have insufficient coverage limits, so we will be going through our own insurance. Still waiting on our insurance to evaluate the Honda.  |
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T-Bone
Apr 2, 2024 12:23:15 GMT -5
Post by Larry Madsen on Apr 2, 2024 12:23:15 GMT -5
Prolly wise to continue to monitor your wellness. Yes indeed. I am still feeling the effects of the blow to the head. Just a dull heaviness/low grade headache. Sometimes more noticeable than at other times. Your ordeal obviously much worse than ours on the injury front. |
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T-Bone
Apr 2, 2024 14:57:58 GMT -5
Post by insanecooker on Apr 2, 2024 14:57:58 GMT -5
Given the extensive damage, I'm not sure I would be happy with a repair. In any case, this is likely to show up in a Carfax as more than minor damage, so I would investigate if it's also possible to be compensated for diminished value as part of the insurance process if not totaled.
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T-Bone
Apr 2, 2024 16:39:09 GMT -5
Post by Larry Madsen on Apr 2, 2024 16:39:09 GMT -5
Given the extensive damage, I'm not sure I would be happy with a repair. In any case, this is likely to show up in a Carfax as more than minor damage, so I would investigate if it's also possible to be compensated for diminished value as part of the insurance process if not totaled. Not sure how quickly the insurance company will evaluate the damage. I just called our agent. I'm wondering if we would make things easier or more difficult by paying the final $607.00 off. Under normal circumstances that final payment would have been made last Thursday morning. It would cut the lien holder out of the picture. However, with the process moving along we might put the title in a bit of limbo by paying it off, regarding lien holder status. My initial position was to leave it be and not put something else in motion as this plays out.  |
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T-Bone
Apr 2, 2024 16:55:27 GMT -5
Post by LTB on Apr 2, 2024 16:55:27 GMT -5
Sorry this happened to you Larry! In 2012 I was T-Boned on the drivers side in a company Ford F-150. It spun me around. It took me many months to get over the fear of being T-Boned again. Hope all works out for you in getting your CRV repaired.
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T-Bone
Apr 2, 2024 17:56:30 GMT -5
LTB likes this
Post by Larry Madsen on Apr 2, 2024 17:56:30 GMT -5
Sorry this happened to you Larry! In 2012 I was T-Boned on the drivers side in a company Ford F-150. It spun me around. It took me many months to get over the fear of being T-Boned again. Hope all works out for you in getting your CRV repaired. Personally, I don't have much fear of being T-Boned, if I am driving. many years ago I was quite friendly with our mail man. He was a guitar player and we had some other interests in common, plus he brought our mail for a very long time. He told me that during the post office "driver training" one thing they engrained into their heads is this: Never be the first car to enter an intersection ... and for this very (T-Bone) reason. I took that to heart and if I am at the front of the line I will hold back until the car next to me has moved forward. If I "have" to be the first car out, this lesson ensures I carefully verify cross traffic before I move forward. It has kept me out of a few instances where I probably would have been in, or come very close to, a crash. Edited to add: It's a bit late, but after this incident I did pass that little lesson along to Queenie. |
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Post by LTB on Apr 2, 2024 18:13:21 GMT -5
My wife always slows down at an intersection even if the light is green. Use to bug me as the light sometimes changed and we had to miss it. I don’t say anything now as I see it as good driving habits.
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Post by Larry Madsen on Apr 4, 2024 20:35:53 GMT -5
Our insurance has deemed Queenie’s Honda to be a total loss.
Queenie is happy to be getting a new car.
We went to our Honda dealer this afternoon to get an idea of what is available, what they cost, how to handle the extended warranty/service policy, see colors, etc.
Should know more by the first of next week.
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T-Bone
Apr 9, 2024 10:26:05 GMT -5
Post by Larry Madsen on Apr 9, 2024 10:26:05 GMT -5
Settled on the total loss this morning. Looks like Queenie will have $36,000.00 to start her hunt for a new CR-V. We feel like that is fair enough. We paid the final payment on the 2nd, loan closed out on the 4th ... then 10 days wait to get the title. Next week will hopefully put a new 2024 in the garage. Now we see what we can do for medical. We have not enlisted an attorney and don't want to. Queenie was back to see the doctor yesterday for some follow-up. I am certainly not 100% back to normal yet after 2 weeks. |
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T-Bone
Apr 9, 2024 10:39:52 GMT -5
LTB likes this
Post by Auf Kiltre on Apr 9, 2024 10:39:52 GMT -5
Glad things worked out on the insurance side. Sucks that you guys are still feeling the bumps and bruises though!
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T-Bone
Apr 9, 2024 13:40:09 GMT -5
Post by LTB on Apr 9, 2024 13:40:09 GMT -5
Wishing you the best in your endeavors to obtaining a new replacement vehicle Larry
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T-Bone
Apr 12, 2024 12:46:02 GMT -5
via mobile
Post by markfromhawaii on Apr 12, 2024 12:46:02 GMT -5
My wife and I went through that as well. We got flipped over but luckily this happened across from a fire station and got immediate assistance. The guy who had run the red against us had multiple MVAs and no insurance. Other than a little soreness I was fine. My wife had a few bruises but later would suffer from chronic back and shoulder pain exacerbated by the T-bone. She’s gone through a couple corrective surgeries as a result. As others have mentioned, please monitor yourselves for any residual pain that shows up later. Take care.
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Post by Larry Madsen on Apr 19, 2024 21:24:48 GMT -5
Title arrived yesterday and Queenie traded it for a check this morning. 🙂
CU has a 3 day hold on 30k of the funds, so no car shopping until after Wednesday of the coming week. 🫤
It’s progress. 👍🏻
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Post by Larry Madsen on Apr 23, 2024 19:07:13 GMT -5
Proceeds from the check came available today.
We are at the Honda Dealership.
Taking her intended CRV out for a test drive. 👍🏻
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