Quote:
Originally Posted by Cazzzidy
Why?
The only thing calling the police is going to do is make an accident report. All that is going to do is raise my premiums.
I talked to my insurance agent and he said it is probably not worth it. My car will be totalled, I will get a court settlement saying he owes me blue book (nothing), I get a collection agency to try and get the money, and if I am lucky I get a grand over the next several years. Meanwhile, I will have payed for it in raised premiums. And yes, my company raises costs even if the accident isn't your fault.
I am screwed anyway I go.
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In some if not most states YOUR insurance has to cover for damage caused by uninsured motorist, comprehensive is if YOU screw up. YOU didn't. AND they can't jack up your rates for it. I would talk to your states insurance commissioner.
You had a cherry car, they have to make you whole. Generic blue book is a cop out they use to screw you. You don't have to settle for blue book, particularly if you have reciepts for a lot of recent work. They have to give you a car in equal condition or give you the money to buy one in equal condition. Even if thats more than Blue book.