We were on vacation mid June in Indiana, and guy ran a red light hit a brand new Ford Edge which in turn hit me, and the other driver hit me also. It initially lookedlikemostly cosmetic, but it's looking like they are gonna total it, and of course I owe more then they aregonna give me. The original guy didn't have any insurance. We are just stuck with this bill I guess. I just wanted to thank everyone over the time I have been coming here for all the help when I've asked questions. We are probably gonna move to a truck/trailer combo now due to cost.
I can certainly feel your pain...in May 2011 on the EastTex Freeway in Beaumont...I had a guy...a kid...pass me on the shoulder...broadside my car and kep going...there was enough coonass in me to chase him...I did for about 5 miles...I went through a stop sign...and past an undercover police car...the police car began pursuing me...pulled up along side...with our windows rolled down I told him what I was doing...he then pursued and caught the guy...fortunatley, he had insurance...for a while I didn't know how it was going to turn out...eventually I got my money...it was a horrible summer...I'm still driving the car...
Mike LeBlanc, "The Digital Guy"
Professional Photographer, Retired Art Educator
Sour Lake, Texas
I found out after an accident where I was just sitting at a traffic light,
one car ran the light, hit the car in front of me, who had just started to take off (I saw car coming and thought "he is not going to stop".. he didn't.) Long story short, I was hit sitting still. I did not/would not take the first offer the insurance offered. They wanted to total my Saturn toad. As it worked out,
it did not get totaled, but fixed, and went on to drive/tow it for another couple of years. Just food for thought. May not be worthwhile in your case, only you know your circumstances.
I don't know the entire situation and am not a congressman, so I am not prepared to be an expert on your case. But, if you think the damage is mostly cosmetic (and it may well be), don't take the check until you get the opinion of an RV or truck guy.
A 30' Class C had to be built on a truck frame with truck parts. Unless it is REALLY old, parts to repair it will be available. Even if the frame has been distorted, that can be straightened.
Most insurance carriers have no idea how to deal with it, so they try to write it off at the value in the NADA guide. At the very least, negotiate with them and you should be able to end up with the NADA valve and the coach. Then shop for someone willing to take it on. At the very least, have some truck shop make sure it is safe to drive and then take your good old coach shopping for a good frame and body guy.
Matt (who has an agreed value policy on his old coach)
Matt & Mary Colie
A sailor, his bride and their black dog going to see some dry places that have Geocaches in a coach made the year we married.
Don't take the hit for anything not covered by your insurance!
Go after the at-fault driver civilly if you can.
On another track, I don't know the rules in the US, but severla years ago, I had managed to stop on an icy road and was only a couple of feet behind a vehicle. The driver behind me was no so lucky. He plowed into me and drove me into the vehicle in front of me.
Because I hit the vehicle in front, my insurance had to pay for his damage. My insurance company then went after the guy who hit me for those damages as well as my own.
Me, DW, Five Crazy Felines, One RB Angel
2011 Ford F350 SD, PSD 6.7, SRW, CC
2011 Komfort 3230FRK