So I got rear ended yesterday at about a 50 MPH delta. My truck is likely totaled. I was stopped about three vehicles behind a bus that was dropping kids off. Bus had just turned off the red lights and we had started moving, I look in the rear view mirror and see a black Ram grill closing in a big hurry. In about the time it took to think "This SOB is going to hit me!", I was through two ditches, airborne exiting both and about 30 yards off the road. No immediate trauma, I refused transport by the meat wagon, planning to go to local urgent care for X-rays and such to get checked out. Neck and lumbar sprains. We are about 30 hours out now from the accident.
Idiot was 100% at fault. Texting, and he admitted to smoking a joint about 4 hours earlier to the popo, and was cited for possession. He passed all the field tests, so they didn't take him to jail. His attitude when he got out of the truck was extremely belligerent, dog cussing me, why the f did you stop in the middle of the road, etc. My first thought was "dang it I don't have my pistol with me, I'm going to have to kick this fool's arse, and I'm too dang old for that!
Questions are this- how does the system work regarding payoff of totaled vehicle? My truck was less than a year old, 18k on it. Does his insurance cut a check to my lien holder to pay it off? Then what do I have to trade in or put down on a new one? KBB value puts it at right about what I owe on it. Next payment due at the end of the month.
How they handle the medical bills? This is the first insurance claim or interaction I have ever had, at 46 years old. Part of me wants to lawyer up and sue, but that doesn't help anyone down the road. I'm not going to go any further into medical stuff until we decide one way or the other. Let's just say I will be very familiar with my recliner over the next week or so.
Anyone else dealt with this? Just looking for ideas and/ or options. Don't say call the Hammer, either!
Idiot was 100% at fault. Texting, and he admitted to smoking a joint about 4 hours earlier to the popo, and was cited for possession. He passed all the field tests, so they didn't take him to jail. His attitude when he got out of the truck was extremely belligerent, dog cussing me, why the f did you stop in the middle of the road, etc. My first thought was "dang it I don't have my pistol with me, I'm going to have to kick this fool's arse, and I'm too dang old for that!
Questions are this- how does the system work regarding payoff of totaled vehicle? My truck was less than a year old, 18k on it. Does his insurance cut a check to my lien holder to pay it off? Then what do I have to trade in or put down on a new one? KBB value puts it at right about what I owe on it. Next payment due at the end of the month.
How they handle the medical bills? This is the first insurance claim or interaction I have ever had, at 46 years old. Part of me wants to lawyer up and sue, but that doesn't help anyone down the road. I'm not going to go any further into medical stuff until we decide one way or the other. Let's just say I will be very familiar with my recliner over the next week or so.
Anyone else dealt with this? Just looking for ideas and/ or options. Don't say call the Hammer, either!
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