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The Dead Zone - Random thoughts and ramblings

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MrTim View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote MrTim Quote  Post ReplyReply Direct Link To This Post Posted: 12 Mar 2024 at 5:15am
"What the hell?!" I said as I watched my front bumper peel up and bounce off the hood and into the street.  Was stopped at a stop sign and a pickup truck making a left turn came into my lane and clipped my left fender.  Angry  I had a neighbor call a cop for me, the other guy drove to his driveway up the street (he wanted me to drive over & exchange insurance info.)  Long story short, I wasn't at fault & his ins.co is going to be paying for my repairs.  Already have an appointment at a repair shop Thursday (Say what you will about their ads, Progressive moved pretty fast setting it up.)  So, lost a headlight, cracked fender, torn off bumper (could actually fix it myself if I got the parts, but since the other ins.co is going to be paying for it...) Car is still driveable & looking back, at least the airbag didn't deploy... Big smile
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Thor View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Thor Quote  Post ReplyReply Direct Link To This Post Posted: 12 Mar 2024 at 9:34am

^ Back around 2005, I was driving at around 11pm on Rte 80 in California when something went sliding across the freeway in front of me. It happened so fast, I had no time to react, not even emotionally.

Another car drove up on my left side, honked and the passenger pointed to my rear bumper. I got off the freeway and found my bumper cover hanging from my car. I removed it, put it in my back seat and went home.

Next day, I contacted my insurance, went to a body shop got a rental (big ol' Dodge Ram), and within a few days, my car was fixed. Good matchup with the paint color, too.

The car also had a little gouge in the front bumper cover that was there when I bought the car. I told them that was new, too, and they covered it.

My insurance was Mercury. I think the total damages were $2,500. My deductible was $500.

I never did find out what it was that slid across the median in front of my car. It was weird.

Good luck.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Jimbo Quote  Post ReplyReply Direct Link To This Post Posted: 12 Mar 2024 at 2:24pm
It was probably a human body. 
...the ads take aim and lay their claim to the heart and the soul of the spender
Jackson Browne - The Pretender

C'mon, man!
Joe Biden - 46th President of the United States
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Thor Quote  Post ReplyReply Direct Link To This Post Posted: 12 Mar 2024 at 2:46pm

Naaah, I would've seen and smelled burning flesh coming from under the engine compartment or chassis.

But I did report it to CHP, just in case.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Jimbo Quote  Post ReplyReply Direct Link To This Post Posted: 12 Mar 2024 at 3:12pm
Originally posted by Thor Thor wrote:

But I did report it to CHP, just in case.

Another weird coincidence... I'm watching CHiPs on TV right now. 
...the ads take aim and lay their claim to the heart and the soul of the spender
Jackson Browne - The Pretender

C'mon, man!
Joe Biden - 46th President of the United States
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Thor Quote  Post ReplyReply Direct Link To This Post Posted: 12 Mar 2024 at 6:03pm

And I just finished up a bag of Kettle Brand Black Pepper potato CHiPs.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Jimbo Quote  Post ReplyReply Direct Link To This Post Posted: 12 Mar 2024 at 6:31pm
Wow, that IS weird!!!! 😯 

...the ads take aim and lay their claim to the heart and the soul of the spender
Jackson Browne - The Pretender

C'mon, man!
Joe Biden - 46th President of the United States
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Post Options Post Options   Thanks (0) Thanks(0)   Quote MrTim Quote  Post ReplyReply Direct Link To This Post Posted: 15 Mar 2024 at 4:52am
Well. The Progressive agent called me up today and said they aren't going to cover repairs ("It's an old car and the cost of the repairs is more than the car's value") and that they would total out my car and pay me $370 for it.  No, f**k you, Progressive.  So I called the collision center, got my car back (even they were shocked at the lowball attempt), found another auto place in town, and paid 80 bucks to put the front bumper back on (which turned out to be pretty easy, and it helped that I had collected almost all the plastic rivets that had popped off.)  And the car drives fine. So the next step is to track down the headlight parts I need & replace'em myself.  The fender has a small chunk out of it which I'll eventually epoxy back in.  Can't trust anyone these days...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Thor Quote  Post ReplyReply Direct Link To This Post Posted: 15 Mar 2024 at 11:29am

Nowadays, I think most cars have bumper covers. The actual bumper is underneath. The cover is just some sort of painted fiberglass mold. They're pretty expensive to replace, and you can't really repair them.

My Chrysler had shiny 12-spoke chrome rims. In the center of each rim was a shiny plastic hubcap about 3 inches in diameter. Real cheap. They snapped on. I once lost one. It cost $55 to replace. That was 20 years ago.

Car parts are expensive. Repairs are ridiculous. I remember years ago, labor was $90/hr. Not sure what it is these days.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote MrTim Quote  Post ReplyReply Direct Link To This Post Posted: 16 Mar 2024 at 5:28am
Yeah, it was the bumper cover that got knocked off. It's got one crack on the bottom, and I just need to buff out the paint scrape from the other guy's truck...  ;-)

The P-agent called this morning & said they'll send me a check for $2400-something for repairs and they'll collect it from the other guy's ins.co.   Yeah, right, I won't be cashing it until I look through all the fine print, because I sense a trap (the agent has a hard-on to get my car totaled, so I don't trust them to not pull some crap to try it, because endorsing a check is just like signing a contract...)

And also today, AOL sh*t on me as well, updating their software, and now I can't sign in to any of my accounts (I'm here through a search page.)  I think I'm about ready to give up on the internet...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Thor Quote  Post ReplyReply Direct Link To This Post Posted: 16 Mar 2024 at 10:23am

I found this on the net:

What if insurance wants to total my car but I want to keep it?

If you decide to accept the insurer’s decision to total your car but you still want to keep it, your insurer will pay you the cash value of the vehicle, minus any deductible that is due and the amount your car could have been sold for at a salvage yard. It then will be up to you to arrange to make repairs.

“They will cut you a check,” says Ward, and then you’re on your own.


https://www.insure.com/car-insurance/totaled-cars.html

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Jimbo Quote  Post ReplyReply Direct Link To This Post Posted: 16 Mar 2024 at 3:20pm
That's exactly what happened to me in 1998 after that taxicab pulled out in front of me and caused me to t-bone him.

They wanted to total my truck but I said no, so they gave me the current sale value of the truck, plus what they'd have gotten from the scrap yard.

I used about a third of it to put my truck back together using parts from junkyards and put the rest in the bank. 

Kept the truck another 20 years. 
...the ads take aim and lay their claim to the heart and the soul of the spender
Jackson Browne - The Pretender

C'mon, man!
Joe Biden - 46th President of the United States
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Post Options Post Options   Thanks (0) Thanks(0)   Quote MrTim Quote  Post ReplyReply Direct Link To This Post Posted: 16 Mar 2024 at 10:21pm
I'm going to fix the car myself anyway. Found headlight units on ebay for around $100, and it's easy pullout/plugin. Not going to go through the totalling bullsh*t just to keep my own car, a busted headlight is no reason to 'junk' it. P can keep their money, and I'll just keep my car. Salvage yard value?  Heh, they'd pay sh*t, then turn around and sell it as a used car for 10-15 grand (or more.)
Nope, I don't trust them, so they can go f**k themselves...
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