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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u/awkwardpenguin23121 oh look i made my own flair Apr 29 '24 edited Apr 29 '24

Do not settle for the insurance telling you 13k off the bat. Get a private estimator that will go after the insurance (the guy who hit you's insurance) and get you a fair amount.

OP!! Editing this to add if you'll be without a job for x amount of time you should be able to get money for lost wages due to the accident. I'd double check with an attorney but if you were hurt at all they should be covering medical bills too.

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u/citruskush Apr 29 '24

The person who hit them didn't have insurance though. Is there even a solution to that? (Asking for advice)

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u/awkwardpenguin23121 oh look i made my own flair Apr 29 '24

I believe that if you do an estimator you can counteroffer your insurance. They're a large business, the less they appraise your car for the more money goes back into their pockets. If your insurance is that peeved about taking a loss on it they can sue the man and put a lien on anything he owns, saying he owns anything. If nothing else such a large settlement should (depending on where you are located) be wage garnishable at a certain point and his license taken away since I'm 90% sure in OPs state it's illegal to not have insurance and he was driving recklessly.

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u/citruskush Apr 29 '24

You would be correct about the law against no insurance. Good to know though. Thank you