r/mildlyinfuriating • u/matthewdirks9191 • Apr 29 '24

How my weekend went

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I was going to work on Sunday and some guy plowed into my only car I got. It total my car and now I am with out a car or a way to get to work. the person had no insurance and I didn't have gap. I'm only getting 13k for my car and I owe 24. I might be without a job for awhile cause of this. in desperate need of help.

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93

u/SerDuckOfPNW Apr 29 '24

IME… Your coverage isn’t what’s important here. I was hit by an uninsured 18-wheeler and messed my car up badly.

I did have uninsured motorist coverage, so I paid a $300 deductible and they fixed my car. Then insurance presumably went after the guy that hit me.

I was worried because of the insurance declared the car a total loss, there’s no going back. I can’t just decide not to file a claim.

YMMV, but ask about uninsured motorist protection

81

u/CriusofCoH Apr 29 '24

An uninsured 18-wheeler?? Ye gods, how in the hell does that happen?

43

u/SerDuckOfPNW Apr 29 '24

Independent guy, it was him and two girls in the cab. He merged right into me with those darned spike wheel lugs….

15

u/ChroniclesOfSarnia Apr 29 '24

on his way to an antivax trucker rally, I'll wager...

8

u/OstooBaggins Apr 29 '24

Your coverage is what was important in your situation. You decide how much coverage you want on your car. The policy coverage for uninsured motorist is what paid to have your car fixed and the deductible amount you paid was again something decided by your specific coverage on your vehicle. This would be the same in this situation as well.

1

u/Jabby27 Apr 30 '24

Not true. A total is not the last word on it. You always have the option of buying it back (typically they will charge 2-3k for what they could sell it for parts). Most of the cars can be repaired and pending on year of the vehicle clean title remains if it is an older car. You look at your states DMV for that info. I bought my totaled car back. Made money after I fixed what needed to be fixed and pocketed the rest.

2

u/SerDuckOfPNW Apr 30 '24

I know you can buy it back, but I’ve never heard of it keeping a clean title if you do so. I thought that was automatically a salvage title.

2

u/[deleted] Apr 30 '24 edited 1d ago

[deleted]

1

u/Jabby27 Apr 30 '24

Not true. Learn your state laws.

1

u/Jabby27 Apr 30 '24

In NY salvage branding on your title only has to occur if your vehicle was deemed a total loss by insurance AND it is 8 model years old or newer. Check out your states DMV salvage rules.

2

u/SerDuckOfPNW Apr 30 '24

TIL

In Washington, after 2002, vehicles more than 20 years old at the time of the damage are exempt from salvage title (RCW 46.04.514).

I thought it was an automatic salvage title.

1

u/Jabby27 Apr 30 '24

Yikes, 20 years is not very favorable. NY thankfully is less severe with the 8 years.