CRUNCH!

[David Jones]

Dan, surely you mean maximum coverage is $5K from what you wrote. Minimum coverage insinuates that you will get no less than $5k for any claim. Or is being a Brit mean my American english is screwed up.

[Jim Nelson]

Unless I misunderstood him, Dan said he was looking for a shop in San Diego.
Jim: Hung Luu Auto Body.

Mike

Ah, I thought he was in Irwindale...

[Dan Epperly]

Dan, surely you mean maximum coverage is $5K from what you wrote. Minimum coverage insinuates that you will get no less than $5k for any claim. Or is being a Brit mean my American english is screwed up.

Hi David, what I mean is that in Cal, the minimum policy is $5k for collision damage, so even though I got an estimate of $10k to repair the damage and their estimated put it at $5,300, the maximum I can get is $5k from his insurance.

[Dan Epperly]

Dan: maybe one of those paintless dent-removal guys could work out some of the dents?

Mike

Hi Mike, I doubt it. The metal was pushed down and in, I will have to counter that force using some heavy force. I have some ideas in mind that include welding, heavy plate steel, chains, 4x4s and horsepower.

[Mike Wilson]

Jim: on West Foothill right off Irwindale exit.

Mike

[Edwin Ek]

Our little, slow cars require defensive driving. In my view, that means expecting every driver to do exactly the worst, most dangerous thing at every moment. Driving well yourself is not nearly enough.

[Doug McDonnell]

Hard to defend against stupid drivers. Until phones are electronically blocked in moving cars s#$t is going to happen.

[Steven Murray]

Hi David, what I mean is that in Cal, the minimum policy is $5k for collision damage, so even though I got an estimate of $10k to repair the damage and their estimated put it at $5,300, the maximum I can get is $5k from his insurance.

It doesn't seem to be totally your problem that he is under insured. You can sue him for the difference which could be another $5K++. He has the money if he has a fancy 300 hp jeep. If you have coverage on your 356 just put in the full claim against your policy.

If you have been injured for $10K, i don't think there is a law that says you can only collect $5k on your injury because that's all the insurance the dude has. The dude probably has a $3,000,000 home you can go after He took the risk when buying minimum insurance, not you.

Of course - this is all a headache. If you have a $3,000,000 home it might be best to just forget it.

[Steven Murray]

Life is a learning experience.
So, the insurance comoany found the guy at fault. That's the good news.
Now for the bad. How many of you know that in the state of CA, minumum coverage for collision damage is a whopping $5,000? I didn't, but now I do. So basically that is all I will get.
The shop I took it to estimated repair costs at $10k.

Found the guy at fault huh. If I read between the lines the guy only has $5k coverage and the damage , once things are opened up are likely to be double that. So why should the insurance company piss you off and start assigning fault percentages? Just pay the $5k and say our guy is 100% at fault. Where liability is concerned if the driver just has the minimum allowed (which might be $25k or less depending on the state) if the guy crashes into a school bus full of kids, the insurance company doesn't waste any time. They just pay out the $25K and say - bye bye. No need to attribute fault or waste a second of time on the legal team. Now if the driver has a million in coverage - they'll take a peek.

Hey - if you accept that $5k settlement does that mean you won't go after the guy for more $$$? I'd say Ill take your $5k but I'm going after your insured for the remainder. I don't think they'd care anyway. Like I say - i think they're only on the hook for $5k regardless of anything else.

[Dan Epperly]

Life is a learning experience.
So, the insurance comoany found the guy at fault. That's the good news.
Now for the bad. How many of you know that in the state of CA, minumum coverage for collision damage is a whopping $5,000? I didn't, but now I do. So basically that is all I will get.
The shop I took it to estimated repair costs at $10k.

Found the guy at fault huh. If I read between the lines the guy only has $5k coverage and the damage , once things are opened up are likely to be double that. So why should the insurance company piss you off and start assigning fault percentages? Just pay the $5k and say our guy is 100% at fault. Where liability is concerned if the driver just has the minimum allowed (which might be $25k or less depending on the state) if the guy crashes into a school bus full of kids, the insurance company doesn't waste any time. They just pay out the $25K and say - bye bye. No need to attribute fault or waste a second of time on the legal team. Now if the driver has a million in coverage - they'll take a peek.

Hey - if you accept that $5k settlement does that mean you won't go after the guy for more $$$? I'd say Ill take your $5k but I'm going after your insured for the remainder. I don't think they'd care anyway. Like I say - i think they're only on the hook for $5k regardless of anything else.

Yes, legally they can only pay out $5k if that's what the policy states. If there was personal injury the amount would be higher.
Yes I could try small claims, but then his company is claiming $5300 in repairs, the shop I went to claimed $10k, so first there would have to be a settlement of the difference, which means it would be somewhere in the middle likely. Then there is the issue of actually getting the money...
My time is worth something, actually quite a bit, and trying to squeeze $2500 out of a turnip is not worth it since I can repair it myself for far, far less.

[Martin Benade]

Yes, there are times when it is not worth standing up for what is right. Similar to those times when you apologize to someone when you are sure that actually they should apologize to you, but better to be done with it.

[Jim Alton]

Jim: on West Foothill right off Irwindale exit.

Mike

Turn just before this sign:

Sign near Hung Luu's shop

The address is:

Hung Luu Auto Body
952 W Foothill Boulevard
Azusa, CA 91702-2842

There's no "Hung Luu" sign anywhere near Foothill Blvd.

[Jim Alton]

Speaking of USAA, I was rear-ended on Sunset Blvd while trying to get to a concours at Greystone Mansion:

My Boxster

Of course, it wasn't the fault of the guy who hit me. Someone ran into HIS rear and pushed him into me.

Heavily damaged rear of pickup that was forced into me

This is California, after all. USAA didn't hold it against me, but I was out the $ 500 deductible.

[David Jones]

His buffed out very quickly Jim.

[Jim Nelson]

Jim: on West Foothill right off Irwindale exit.

Mike

Turn just before this sign:

The address is:

Hung Luu Auto Body
952 W Foothill Boulevard
Azusa, CA 91702-2842

There's no "Hung Luu" sign anywhere near Foothill Blvd.

Thanks, Mike and Jim, I've always wondered where he was. I've come across a car that needs a good deal of metalwork, and you never know....