Re: FML

by Bluemouse Sat Jul 19, 2014 12:35 am

Someone rear-ended me today, and I'm pretty sure my car is going to end up being totaled.

Fuck

My

Life.

This actually isn't what I was hoping would happen today.

by Lobo Sat Jul 19, 2014 12:36 am

by Teenwrestler Sat Jul 19, 2014 1:03 am

DAMN! Is your car insured?

by Lunchador Sat Jul 19, 2014 2:07 am

Damn, so sorry to hear about that, Blue. Hope you're doing alright, health-wise, and that the car is ... well, as salvageable as possible. Good luck, in dealing with all of that.

by KillerV Sat Jul 19, 2014 4:36 am

Aww

" title="Sad" /> *hugs*

by **killcarrion** Sat Jul 19, 2014 5:34 am

I don't know what I would do if anything ever happened to you [url=https://www.youtube.com/watch?v=mztSN4OqY_8:1fof30o2]Blue[/url:1fof30o2]!!! <img src=

" title="Crying or Very Sad" />

by kerflubble Sat Jul 19, 2014 10:02 am

[quote="Teenwrestler":3bb17d4t]DAMN! Is your car insured?

I don't know about the States, but in UK you have to have your car insured before you can drive it. Whether the insurance companies pay out is another thing all together.

by Bluemouse Sat Jul 19, 2014 2:46 pm

Same, you're required to have insurance. The difference would be whether you have collision or liability. If your car has a lien, you are required to have full insurance. If you drive an old beater and it wouldn't be worth doing body work, then you can just get liability.

Why wouldn't the insurance pay, though?

by Teenwrestler Sat Jul 19, 2014 3:02 pm

This is just a guess, since I don't know how insurance companies work, but not everything is covered in insurance. Like, umm if you have taken out a life insurance without disclosing you have a heart condition and you die in a car accident the insurance company asshole's can refuse to pay out your insurance because you failed to disclose everything about you, the fact that you died by some other way than the thing you didn't disclose is irrelevant.

Same is with car insurance, for example, your insurance company had a clause in the contract that they won't be required to pay for the damage caused to your car, where the fault of the accident is yours. Etc etc

Okkkkk I've gone rambling too far now, I'm sure you'll get your insurance money <img src=

" title="Smile" />

by Bluemouse Sat Jul 19, 2014 3:30 pm

Well, in this case I got rear ended, and fault is entirely on the other driver, and I have collision. So the insurance company will pay out what the car was worth before the accident, and then I have the real problem of finding a new car without having to spend money I don't have.

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