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Thread: Lightning DOES strike twice

  1. #1

    Lightning DOES strike twice

    I've been rattled, so I may have already posted about this.

    Anyway, I got rear-ended to the tune of a little over $10,000 damage back in December, and didn't get my car out of the shop until about Jan. 20th or so. The body shop did a good job with it, and it looked like new.

    Then, last Wednesday, I got rear-ended again. Sitting stopped at a redlight when a Chevy Siverado pickup truck slammed into me. I was looking up at the traffic light when it happened, so I was completely unprepared for the impact. I did the ragdoll thing and ended up banged up pretty good. No blood or guts, but back and neck and ribs. I've been checked out and x-rayed by one doc and I'm going to my regular MD on Monday.

    My poor car looks like it might have sustained another 10 grand in damage, but it's hard for me to tell. The perp's lizard insurance company (GEICO) has been put on notice and between my injury and the damage to the car, they'll be opening their checkbook before long.

    Two rear-enders in less than 120 days. In both cases I was stopped dead still when hit. My car is less than 10 months old and has only 10,000 miles on it.

    I've looked, and there's not a target on the back of my car. But lightning does sometimes strike twice.
    If someone blows up a school with a bomb they go after the bomber ... if someone shoots up a school they go after the gun.

    A privilege is just a right that has been taken away by government.

    Political correctness is cowardice wrapped in a lie.
    ________________________________

    2013 Acura RDX Tech, 30% tints, hardwired Escort 8500 X50

    2011 Infiniti M56, 30% ceramic tint, hard-wired Escort 8500 X50, LED cabin and trunk lighting - traded!


  2. #2
    Senior Administrator palmerwmd's Avatar
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    Jun 2002
    Location
    Maryland
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    Thats crazy!!!!

    Did you get any diminished value money from the last accident??

    I hope you are physically ok!
    Same thing happened to my ex wife while we were married.
    totaled the car (it was much cheaper than yours)

    Sorry to hear you will have to deal with the hassle !!

    At least that guy was insured!
    When it happend to Lena the culprit was an uninsured illegal which caused us tons of extra problems.
    "In the end we all just play the roles given us... Sometimes they dont fit so well,... but I guess we make do."

    Dont forget MultiMedia forums!!
    http://www.freshalloy.com/forumdisplay.php/55-Multi-Media-Forum

    2x91,92,94 Q45s, 2x 350Z, 1x 240SX w/ SR20DET, 1x Sentra SER SPEC-V, 2k2 Maxima, 2x03 G35, 09 Maxima, 2k2 Maxima, 2015 XTerra, 2005 Xterra, 2012 Pathfinder,

  3. #3
    Yeah, it's nuts. No diminished value from the other accident, because it's a leased car and they pay it to the owner (the car company) ... not the person leasing the car ... and I saw no reason to pursue it.

    This time, however, I'm pushing for them to total the car, and I'm going to use DV as leverage. Even if I don't get the money myself, I'm going to make sure they know they're going to end up paying it to Kia, and that will be part of the overall cost to them. So, pay $10k to fix the car, another $1k for the car rental, and maybe $5k for DV, and it becomes easier for them to just total the car. On top of that, they can recover a few thousand on my car selling it as salvage, so totaling it just makes sense.

    And yeah, I was fortunate in both cases that the people were (are) insured.
    If someone blows up a school with a bomb they go after the bomber ... if someone shoots up a school they go after the gun.

    A privilege is just a right that has been taken away by government.

    Political correctness is cowardice wrapped in a lie.
    ________________________________

    2013 Acura RDX Tech, 30% tints, hardwired Escort 8500 X50

    2011 Infiniti M56, 30% ceramic tint, hard-wired Escort 8500 X50, LED cabin and trunk lighting - traded!


  4. #4
    Fortunate in both cases you were not injured !!!
    2016 Challenger Hellcat, Max Steel/Blk - A8 trans, Navi, C Fiber Stripes
    2018 Durango R/T, Vice White/Blk, Tow, Blacktop pkg, Perf Tires
    2017 Honda Accord Touring V6, Basque Red Pearl/Ivory

    GONE:
    2003.5 G35s Caribbean Blue - Prem, Wood, Spoiler
    2009 G37 Vert Athens Blue/Bone - Prem, Sport, Nav
    2016 Mustang GT Prem, Guard/Ebony - Roush SC +++ ** Lmn Law 1200 mi
    2009 M45s Obsidian/Graphite - Sport, Tech, Adv Tech, Wood, Spoiler
    2007 Titan LE Crew Deep Water Blue
    2002 Q45s Desert Platinum

  5. #5
    Quote Originally Posted by MikeD View Post
    Fortunate in both cases you were not injured !!!
    Well, actually, I DID get injured in this last one. No broken bones or anything, but I have classic whiplash injuries to the neck and upper back, along with miscellaneous issues like tendon/muscle injuries to my left knee and right shoulder. I'm just kind of generally banged up right now.
    If someone blows up a school with a bomb they go after the bomber ... if someone shoots up a school they go after the gun.

    A privilege is just a right that has been taken away by government.

    Political correctness is cowardice wrapped in a lie.
    ________________________________

    2013 Acura RDX Tech, 30% tints, hardwired Escort 8500 X50

    2011 Infiniti M56, 30% ceramic tint, hard-wired Escort 8500 X50, LED cabin and trunk lighting - traded!


  6. #6
    Ugh, sorry to hear that !
    Be sure it's all well documented & don't accept any medical settlement until you are damn sure it's all taken care of !
    The lizard will push hard for a quick settlement !
    2016 Challenger Hellcat, Max Steel/Blk - A8 trans, Navi, C Fiber Stripes
    2018 Durango R/T, Vice White/Blk, Tow, Blacktop pkg, Perf Tires
    2017 Honda Accord Touring V6, Basque Red Pearl/Ivory

    GONE:
    2003.5 G35s Caribbean Blue - Prem, Wood, Spoiler
    2009 G37 Vert Athens Blue/Bone - Prem, Sport, Nav
    2016 Mustang GT Prem, Guard/Ebony - Roush SC +++ ** Lmn Law 1200 mi
    2009 M45s Obsidian/Graphite - Sport, Tech, Adv Tech, Wood, Spoiler
    2007 Titan LE Crew Deep Water Blue
    2002 Q45s Desert Platinum

  7. #7
    Pig-pen has always had this issue. Do you see dark clouds forming around you on a frequent basis? Do you have any friend named Chuck?

    The Gecko is not always as it seems. I would either get a male chastity belt or purchase some good quality Vaseline.

    Damned though you bought a Kia. It may have a special attraction to people who have strayed from a Japanese brand.

    Hope your back and other parts feels better though. This can ruck.

  8. #8
    Quote Originally Posted by Indemand View Post
    Pig-pen has always had this issue. Do you see dark clouds forming around you on a frequent basis? Do you have any friend named Chuck?

    The Gecko is not always as it seems. I would either get a male chastity belt or purchase some good quality Vaseline.

    Damned though you bought a Kia. It may have a special attraction to people who have strayed from a Japanese brand.

    Hope your back and other parts feels better though. This can ruck.

    Yeah, I think that Chevrolet truck was pissed when he saw how nice my Kia was, and tried to do a kamikaze on me.

    By the way, the initial estimate on the damage is $10,000. They came and trucked it to the body shop yesterday to do a teardown to find out how much hidden damage there is.

    The Geico adjuster tells me the damage has to be 80% (!) of the value of the car for them to total it. 80%!
    If someone blows up a school with a bomb they go after the bomber ... if someone shoots up a school they go after the gun.

    A privilege is just a right that has been taken away by government.

    Political correctness is cowardice wrapped in a lie.
    ________________________________

    2013 Acura RDX Tech, 30% tints, hardwired Escort 8500 X50

    2011 Infiniti M56, 30% ceramic tint, hard-wired Escort 8500 X50, LED cabin and trunk lighting - traded!


  9. #9
    Wow! You would think it would be around 50-60%. Any hidden damage and they lose big time. Well, someone does.

  10. #10
    Did you file a claim with your own insurance company? I think this is part of the deal. They are supposed to work for you in these cases to a good degree.

  11. #11
    Quote Originally Posted by Indemand View Post
    Did you file a claim with your own insurance company? I think this is part of the deal. They are supposed to work for you in these cases to a good degree.
    As a matter of fact, I went to my agent's office yesterday and discussed that very thing. I thought I'd wait to see what Geico says before I file a claim with my insuror. Then, if they're not working to my benefit i can bring my company in.

    By the way, the guideline for State Farm is 70%.
    If someone blows up a school with a bomb they go after the bomber ... if someone shoots up a school they go after the gun.

    A privilege is just a right that has been taken away by government.

    Political correctness is cowardice wrapped in a lie.
    ________________________________

    2013 Acura RDX Tech, 30% tints, hardwired Escort 8500 X50

    2011 Infiniti M56, 30% ceramic tint, hard-wired Escort 8500 X50, LED cabin and trunk lighting - traded!


  12. #12
    Senior Administrator palmerwmd's Avatar
    Join Date
    Jun 2002
    Location
    Maryland
    Posts
    14,051
    Las time I had a car totaled I was a bit disapointed with USAA
    Told them I would accept a short total at 65% of the cars value.

    Went form one office , sent to the next, from there tro the next then finally back to my original case worker.
    No one considered himself qualified to take a short total.
    "In the end we all just play the roles given us... Sometimes they dont fit so well,... but I guess we make do."

    Dont forget MultiMedia forums!!
    http://www.freshalloy.com/forumdisplay.php/55-Multi-Media-Forum

    2x91,92,94 Q45s, 2x 350Z, 1x 240SX w/ SR20DET, 1x Sentra SER SPEC-V, 2k2 Maxima, 2x03 G35, 09 Maxima, 2k2 Maxima, 2015 XTerra, 2005 Xterra, 2012 Pathfinder,

  13. #13
    You need hoodlums with bats & crowbars to pay a visit to the collision place where it's being kept
    2016 Challenger Hellcat, Max Steel/Blk - A8 trans, Navi, C Fiber Stripes
    2018 Durango R/T, Vice White/Blk, Tow, Blacktop pkg, Perf Tires
    2017 Honda Accord Touring V6, Basque Red Pearl/Ivory

    GONE:
    2003.5 G35s Caribbean Blue - Prem, Wood, Spoiler
    2009 G37 Vert Athens Blue/Bone - Prem, Sport, Nav
    2016 Mustang GT Prem, Guard/Ebony - Roush SC +++ ** Lmn Law 1200 mi
    2009 M45s Obsidian/Graphite - Sport, Tech, Adv Tech, Wood, Spoiler
    2007 Titan LE Crew Deep Water Blue
    2002 Q45s Desert Platinum

  14. #14
    Quote Originally Posted by MikeD View Post
    You need hoodlums with bats & crowbars to pay a visit to the collision place where it's being kept
    What are you doing this week? It's not too late ...
    If someone blows up a school with a bomb they go after the bomber ... if someone shoots up a school they go after the gun.

    A privilege is just a right that has been taken away by government.

    Political correctness is cowardice wrapped in a lie.
    ________________________________

    2013 Acura RDX Tech, 30% tints, hardwired Escort 8500 X50

    2011 Infiniti M56, 30% ceramic tint, hard-wired Escort 8500 X50, LED cabin and trunk lighting - traded!


  15. #15
    LOL, I'll pack my hoodie & bat. Will need to borrow a ski mask tho .....
    2016 Challenger Hellcat, Max Steel/Blk - A8 trans, Navi, C Fiber Stripes
    2018 Durango R/T, Vice White/Blk, Tow, Blacktop pkg, Perf Tires
    2017 Honda Accord Touring V6, Basque Red Pearl/Ivory

    GONE:
    2003.5 G35s Caribbean Blue - Prem, Wood, Spoiler
    2009 G37 Vert Athens Blue/Bone - Prem, Sport, Nav
    2016 Mustang GT Prem, Guard/Ebony - Roush SC +++ ** Lmn Law 1200 mi
    2009 M45s Obsidian/Graphite - Sport, Tech, Adv Tech, Wood, Spoiler
    2007 Titan LE Crew Deep Water Blue
    2002 Q45s Desert Platinum

  16. #16
    They did the teardown on my car last week and the latest estimate is $14,000.

    I fought with Geico and then with my own insurance company (State Farm) for a total, but the NADA on the car is $27,325, so the damage is only in the 51% range ... far from the level needed to total it.

    So I gave up and authorized the shop to start repairs. Bummer.
    If someone blows up a school with a bomb they go after the bomber ... if someone shoots up a school they go after the gun.

    A privilege is just a right that has been taken away by government.

    Political correctness is cowardice wrapped in a lie.
    ________________________________

    2013 Acura RDX Tech, 30% tints, hardwired Escort 8500 X50

    2011 Infiniti M56, 30% ceramic tint, hard-wired Escort 8500 X50, LED cabin and trunk lighting - traded!


  17. #17
    Good thing it's a lease, will be next to impossible to sell with $24K in previous collision damage on the record ! There's no way the leasing co. will even come close to getting back their residual on this one.
    2016 Challenger Hellcat, Max Steel/Blk - A8 trans, Navi, C Fiber Stripes
    2018 Durango R/T, Vice White/Blk, Tow, Blacktop pkg, Perf Tires
    2017 Honda Accord Touring V6, Basque Red Pearl/Ivory

    GONE:
    2003.5 G35s Caribbean Blue - Prem, Wood, Spoiler
    2009 G37 Vert Athens Blue/Bone - Prem, Sport, Nav
    2016 Mustang GT Prem, Guard/Ebony - Roush SC +++ ** Lmn Law 1200 mi
    2009 M45s Obsidian/Graphite - Sport, Tech, Adv Tech, Wood, Spoiler
    2007 Titan LE Crew Deep Water Blue
    2002 Q45s Desert Platinum

  18. #18
    Quote Originally Posted by MikeD View Post
    Good thing it's a lease, will be next to impossible to sell with $24K in previous collision damage on the record ! There's no way the leasing co. will even come close to getting back their residual on this one.
    Yeah, but as I previously stated, I'll probably get dinged by the leasing company if I take it to the end of the lease and turn it in. They allow only "normal wear and tear", and I suspect previous damage doesn't fall in tha category. I've never had to test it, but it seems like a real possibility.

    No, I'll probably trade it and take my licks. Maybe some hungry dealer won't pull carfax reports and find out about the collisions. In any case, it will be returned to new condition or I won't take it, so wherever it ends up, it will be a sound car. It's just the unknown quantity that scares people.
    If someone blows up a school with a bomb they go after the bomber ... if someone shoots up a school they go after the gun.

    A privilege is just a right that has been taken away by government.

    Political correctness is cowardice wrapped in a lie.
    ________________________________

    2013 Acura RDX Tech, 30% tints, hardwired Escort 8500 X50

    2011 Infiniti M56, 30% ceramic tint, hard-wired Escort 8500 X50, LED cabin and trunk lighting - traded!


  19. #19
    You should push the lizard & SF for some diminished value $$ if you think you are going to get tagged for excess wear & tear !!
    2016 Challenger Hellcat, Max Steel/Blk - A8 trans, Navi, C Fiber Stripes
    2018 Durango R/T, Vice White/Blk, Tow, Blacktop pkg, Perf Tires
    2017 Honda Accord Touring V6, Basque Red Pearl/Ivory

    GONE:
    2003.5 G35s Caribbean Blue - Prem, Wood, Spoiler
    2009 G37 Vert Athens Blue/Bone - Prem, Sport, Nav
    2016 Mustang GT Prem, Guard/Ebony - Roush SC +++ ** Lmn Law 1200 mi
    2009 M45s Obsidian/Graphite - Sport, Tech, Adv Tech, Wood, Spoiler
    2007 Titan LE Crew Deep Water Blue
    2002 Q45s Desert Platinum

  20. #20
    Quote Originally Posted by MikeD View Post
    You should push the lizard & SF for some diminished value $$ if you think you are going to get tagged for excess wear & tear !!
    Well, as stated, any DV dollars would go to Kia as the owner, and if I trade before the lease is up (over 2 more years), I get no gain out of it. And I'm pretty sure I'll be trading. Not to mention it will cost me $350 to get a diminished value workup. I was going to pursue it just to punish Geico (lol), but I'm wondering if I want to waste $350 to do it.
    If someone blows up a school with a bomb they go after the bomber ... if someone shoots up a school they go after the gun.

    A privilege is just a right that has been taken away by government.

    Political correctness is cowardice wrapped in a lie.
    ________________________________

    2013 Acura RDX Tech, 30% tints, hardwired Escort 8500 X50

    2011 Infiniti M56, 30% ceramic tint, hard-wired Escort 8500 X50, LED cabin and trunk lighting - traded!


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