Nightmare of a day

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Dec 17, 2016 | 12:45 AM

#11

rpg51

Joined: Jun 2016

Posts: 3,296

Likes: 260

From: Vermont

How many miles does it have on it? Model year?

Dec 17, 2016 | 07:32 AM

#12

Saki GT

Moderator

Joined: Jul 2004

Posts: 36,017

Likes: 226

From: Queen City, NC

While the manual does state to only tow the S on a flatbed, I think that is more because of its low ground clearance and chance to damage things like the exhaust tips and front bumper cover - don't know if the LSD could be damaged though...

Normally though, always have a flatbed.

Dec 17, 2016 | 07:43 AM

#13

Chuck S

Joined: Jul 2014

Posts: 13,806

Likes: 1,540

From: Chesterfield VA

Back to the beginning.

You don't deal with the other party or their insurance company. You deal with yours. Only. They deal with the other stuff, including the other insurance company. This will be simple since you both have USAA but that's their job not your's. Get hit from behind? Prima facie fault of the other driver. Slam dunk.

Task now is to work out repairs to your car. Stress classic value.

-- Chuck

Dec 17, 2016 | 09:15 AM

#14

Spartarus

Joined: Oct 2016

Posts: 117

Likes: 11

From: Philadelphia, PA

Quote:

Originally Posted by Chong

thank you for clarifying. I was told exactly that; the transmission would mess up because the diff would be spinning and the trans wouldn't be and all that
I'm not sure if you've worked with USAA. But since we both have it,when I called, my adjuster said no worries go use his and his adjuster said the same. Because our stories matched up exactly and he told them it was all his fault that he wasn't paying attention. So when I spoke to his adjuster to line up a rental and appointment; he said he's doing everything off his insurance and if I were to have any questions when I call to use the other guys information; policy number and stuff; not mine. That my name or insurance isn't even going to be apart of it. I did end up calling the police anyways; explained to them exactly what I just said and they said they weren't going to send anyone. So idk. Pretty much I was just worried about what damage the towing may cause because I was worried insurance wouldn't cover it; but I think it'll be lost in all the damage anyways. I guesss now I'll just pray that it isn't deemed totaled. Or I'm completely screwed.

The statutory total loss threshold in North Carolina is 75%. If the repair quote is more than 75% of the pre-loss actual cash value, they can decide to total it, and it becomes a salvage car.. If it's less, and they still want to total it (perhaps because it exceeds their total loss formula) they can ask you to total it, but you can say no. They all use NADA values.

Good thing is, an '02 with ~65K miles books at almost 13K, so you have a lot of value to eat up before it's totaled, and even if it is, you'll end up with a check big enough to replace it right away.

Quote:

Originally Posted by Chuck S

You don't deal with the other party or their insurance company. You deal with yours. Only. They deal with the other stuff, including the other insurance company. This will be simple since you both have USAA but that's their job not your's. Get hit from behind? Prima facie fault of the other driver. Slam dunk.

First part true, second part not necessarily true. I've seen that cookie crumble lots of different ways. I know more than one attorney who would beat you with a belt for making that assumption and leaving the scene... And that's if you hired them to defend you.

In this case, it seems like OP has all the bases covered, and that the other driver already admitted fault to the insurance company.

Last edited by Spartarus; Dec 17, 2016 at 09:21 AM.