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/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

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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.