Hey, I haven't been on here lately but seeing as it's the only message board I've really used in a long time I'm hoping I can get a little help here, maybe from someone who's had this happen.
Saturday night/Sunday morning (depending on how you look at it...) I got in a wreck on the interstate. I was getting on and some woman was fighting with her husband and was trying to get over on the shoulder, she cut across the on ramp and I hit her. My truck is done for. She admitted to the cop that she was getting over, but changed her story when she found out she was getting a ticket. She then said I hit her, I came in her lane. Well, the debris was all in my lane and the police report takes my side. Plus she got ticketed.
So now I'm dealing with the insurance companies (mine and hers) and her company is saying she says I'm at fault and suddenly she has a witness. They, for some reason, take this "witnesses" statement over the police report. They say they have to do an investigation. In the mean time, I got no truck and I have to borrow my dad's (luckily I can) to go to work. No settlement. No rental. Nothing until they're done.
Okay, I can kinda understand that they need to investigate. It sucks, but this chick is lying and I understand they have to look into it. (BTW the police report reflects that she changed her story...)
My main question is what kind of money do you think I can get out of this? I mean, I just want to replace my truck with something equal or better, but not worse. The blue book on my truck is between $2100 and $3000. I had a remanufactured transmission as well as sound proofing, a bad assed alarm system and other things. Plus now I have to move my sound over, and I have expensive wiring in that truck that I probably won't be able to remove. This truck was in GREAT shape and would have lasted me a long time. High miles, over 220,000 but still running perfectly after some repairs and the basically new transmission. For $2000ish bucks, I ain't gonna get crap. Also, considering TT&L after I buy it. Then, knowing me, something will break on it... Anyway, I'm afraid of only getting "fair" quality blue book value when I think I deserve more.
Her insurance company is Progressive. I love Flo... But I'm wondering if she's gonna screw me over. Anyone been in this position? How'd it work out? Experience with Progressive? How long did it take you? What happens if you don't like their offer?
I really don't want to end up in court... but I'm afraid it may end up that way. I am not accepting $2000 and a kiss on the cheek.
unless it's from Flo...