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Old 03-17-2011, 02:17 PM   #441
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Lent a car to a friend to go to work, who's car was in the shop.
It was totalled this morning, friend is okay.
It's just a car, right? the light post? the stress on the relationship. UGH!
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Old 03-17-2011, 02:56 PM   #442
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oh my goodness, glad friend not hurt. cars can be replaced. was the accident your friends fault?
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Old 03-17-2011, 03:43 PM   #443
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Much as I dislike the term, it seems to fit here -- that sucks.
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Old 03-17-2011, 03:58 PM   #444
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oh my goodness, glad friend not hurt. cars can be replaced. was the accident your friends fault?
Yes, no other drivers, hit curb, broke tie rod, hit light post. He doesn't know if tie rod broke first, then curb, or the other way around. Hardly matters.
I'm still waiting for his truck to get fixed so we can go and junk the totalled car. OR $25/day on that. Bluck Bluck Bluck.
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Old 03-17-2011, 08:51 PM   #445
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I'm really glad your friend wasn't hurt. Maybe you'll end up with a better car. Sorry, Bliss.
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Old 03-18-2011, 01:20 AM   #446
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Sorry, Bliss...that is lousy!
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Old 03-18-2011, 09:47 AM   #447
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Well...thanks for caring. When I read through the last page of venting, it just showed me how much I have to be thankful for in my life.

I didn't carry coll/comp, just liability, but remember it's a really old car '92, so it's a calculated trade off I'll bear. It's a little harder to bear right now because I'm unemployed (hopefully temporarily).

What I learned: insurance goes by the car, not the driver. The driver had liability/comp and collision insurance. (I think I knew that at some point earlier in life.) Exception--if you have liability/comp/coll, rent a car, your insurance will cover the rental--always check that with your insurer before you rent.

Insurance trivia not related to today's accident: did you know that in WI and I believe FL, if you are hit by a car, and the car's driver has a heart attack prior to losing control (so he's dead), his insurance does not have to pay. The reasoning is that the insurance only covers living drivers. I checked this with the Insurance commissioner of our state, and this is true. We went through this years ago.

So in trying to remain cheerful in the face of this--don't lend out your car unless you are willing to lose it if it isn't fully insured--and don't get hit by a dead driver.
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Old 03-18-2011, 01:01 PM   #448
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Originally Posted by blissful View Post
Well...thanks for caring. When I read through the last page of venting, it just showed me how much I have to be thankful for in my life.

I didn't carry coll/comp, just liability, but remember it's a really old car '92, so it's a calculated trade off I'll bear. It's a little harder to bear right now because I'm unemployed (hopefully temporarily).

What I learned: insurance goes by the car, not the driver. The driver had liability/comp and collision insurance. (I think I knew that at some point earlier in life.) Exception--if you have liability/comp/coll, rent a car, your insurance will cover the rental--always check that with your insurer before you rent.

Insurance trivia not related to today's accident: did you know that in WI and I believe FL, if you are hit by a car, and the car's driver has a heart attack prior to losing control (so he's dead), his insurance does not have to pay. The reasoning is that the insurance only covers living drivers. I checked this with the Insurance commissioner of our state, and this is true. We went through this years ago.

So in trying to remain cheerful in the face of this--don't lend out your car unless you are willing to lose it if it isn't fully insured--and don't get hit by a dead driver.
The Monkey Wrench Gang, by Edward Abbey. If anyone knows what I'm talking about!
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Old 03-19-2011, 12:37 AM   #449
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Whether the insurance goes by the car or by the driver, depends - maybe on location or maybe on the insurance company. Before I went to visit my sister, I phoned my insurance company and they told me that my insurance would cover my sister's car while I was driving it.
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Old 03-19-2011, 01:09 PM   #450
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Whether the insurance goes by the car or by the driver, depends - maybe on location or maybe on the insurance company. Before I went to visit my sister, I phoned my insurance company and they told me that my insurance would cover my sister's car while I was driving it.
I guess, not here, not with these companies, not on a claim. I understand you are in a different location, different company, different situation--do you ever wonder if you need to get everything in writing, just in case?
Things will get better. (Stuff's getting better--President Starkey)
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