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Originally Posted by Ahdidah10
Yeah I was the only one in the car and yes I was ok other than my back hurting. I talked to my insurance person about the diminished law issue and they said it applied to underinsured and under aged. HOWEVER I have called their insurance have another claim open with them and am going to ask for this exact thing again and throw in my new car experience. I will tell you this though it actually held up in this crash and the damage to that mini van, you would have thought my car was on steriods or something. LIKE A TANK...although not something I want to do again or have happen again. Here is a kind of pic of his mini van...now compare that...it went under my freakin' car   and I think I need  |
YES your back in hurting. My has been crap since 1999. 16 yr old rear end me while i was stopped. And you need to stress to them Diminished value on your car. Insurance hate that. It has nothing to do with underinsured and under aged drivers. He was lying or stupid or both. Diminished value is the fact that after your car is repaired to its fullest it is not and will not be worth the amount before the crash. Your vehicle has a strike against it that it will carry with it forever. Another trick the insurance tells you is that DV is excluded from coverage in the policy. Probably true. However the policy is an agreement between the insured and the Insurance company. You are a third party and those exclusions do not apply. If they give you crap then see an attorney. You can hold your personal injury claim out till after your car is repaired and you get your dimished value check. They will be more interested in getting the injury claim off their books, but hold off. Even if you do not have any injuries, hold off. It is a very good piece of leverage. And by all means go ahead and see a doctor. I thought I would be okay at first, now I have 2 disc that are relocated into the sciatic nerve canal at L4 and L5. No feeling in the very ends of both my feet and a bad case of droop foot in my right leg. The girl that hit me was messing with the radio. So because she didn't like that particular song I have to live with complications and pain the rest of my life. She was only going 30 at the time, but only slammed on the breaks at the last second before hitting me. I was wearing my seatbelt and yet I have never been the same since. The insurance company only gave me $20k (her insurance limit).