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dreamaker
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« Reply #1 on: November 20, 2015, 08:46:46 AM » |
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Guy you didn't loss nothing, you were given the gift of your life and your health, without that, you have nothing. Kiss the ground you walk on!!! But sorry about your truck!
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Dave Ritsema
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« Reply #2 on: November 20, 2015, 08:48:45 AM » |
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I am glad you walked away without being hurt. (Some may call THAT a win.)  My daughter was hit by an uninsured motorist and even though her deductible was $500 she had to pay nothing, as it wasn't her fault. Hopefully your uninsured motorist policy takes care of your claim the same way. |
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VRCC 2879
Lake City Honda Warsaw IN
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Wizzard
Member
Posts: 4043
Bald River Falls
Valparaiso IN
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« Reply #3 on: November 20, 2015, 09:00:51 AM » |
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Sad,, but vehicles can be replaced. Inconvenience but you are still alive.
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Bighead
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« Reply #4 on: November 20, 2015, 10:03:56 AM » |
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No Insurance  that should be an automatic trip to the slammer until someone can come up with $$$ (not for bail) to pay for damages caused by said driver. |
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1997 Bumble Bee
1999 Interstate (sold)
2016 Wing
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Flat6Valk
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« Reply #5 on: November 20, 2015, 10:12:05 AM » |
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Sorry about your bad experience. But you are alive and not hurt. I can understand the frustration. All will be well in the end.
Greg
Flat6Valk
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RIDE SAFE-RIDE OFTEN........GO BUCKEYES!!!
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Daddie O
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« Reply #6 on: November 20, 2015, 10:16:46 AM » |
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I'm glad you weren't injured. The truck is replaceable, and maybe the insurance company won't shaft you.
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Light moves faster than sound. That's why some people appear bright until you hear them speak.
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old2soon
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« Reply #7 on: November 20, 2015, 10:51:47 AM » |
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You and the young lady are STILL breathing GODS good air!  Calm down-take a deep breath-hold-exhale. REPEAT.  The pick up is a "thing" an 'item" -things and items can be replaced. We have financial responsibility laws here in Missouri-BUT that DO NOT mean everyone has insurance-they have insurance when they go get inspected for tags and buy their tags-but they usually only have a one month rider! :uglystupid2:You WILL get thru this. Sorry for your inconvenience!  RIDE SAFE. |
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Today is the tommorow you worried about yesterday. If at first you don't succeed screw it-save it for nite check. 1964 1968 U S Navy. Two cruises off Nam.
VRCCDS0240 2012 GL1800 Gold Wing Motor Trike conversion
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KY,Dave (AKA Misunderstood)
Member
Posts: 4146
Specimen #30838 DS #0233
Williamsburg, KY
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« Reply #8 on: November 20, 2015, 11:36:33 AM » |
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I know what everyone is saying and yes am thankful to be alive and uninjured. Just went thru totaling my other ranger in June and only had liability on it so had to eat the loss. Going thru this so soon afterward and not getting coverage by the at fault driver is annoying to say the least. That doesn't mean I am not thankful. Insurance co told me in KY it goes on my collision that I had on this truck and I am responsible for the deductible. I could go after the father of the girl but if he couldn't keep insurance on the vehicle he sure doesn't have anything to go after. Been down that road before and it ain't worth the trouble. I checked with the Company they said they had insurance with. They bought insurance in August and it cancelled on Nov 6 for non payment. That was for his truck. Her car was never on the policy. They won't answer my phone calls now. I was in touch checking up on her well being. Gave the info to the State Trooper who thanked me for doing his leg work. Says he will update the accident report and follow thru but agreed I won't get anything out of it. It happens ALL the time down here. People doing the right thing get messed over by those who break the law. They will probably have their license revoked but will continue to drive and harm someone else. I feel for the 18 wheeler driver who about puked in his truck thinking he killed her. Busted his front end up pretty good and lost all fluids. He wasn't making it home to Michigan that night.
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« Last Edit: November 20, 2015, 11:42:37 AM by KY,Dave (AKA Misunderstood) »
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Jess from VA
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« Reply #9 on: November 20, 2015, 01:01:22 PM » |
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Did they check her cell phone? Her sobriety? Did she have a brain?
Getting your damages fixed is number one. But seeing what punishment/consequences is meeted out to the dingbat is second (it fixes nothing, but feels good by way of justice).
Sorry for your troubles.
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WilliamRS
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« Reply #10 on: November 20, 2015, 01:33:52 PM » |
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No Insurance that should be an automatic trip to the slammer until someone can come up with $$$ (not for bail) to pay for damages caused by said driver. That is what lawyers and lawsuits are for. he can sue everyone else involved to try to recover his losses. |
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WilliamRS
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« Reply #11 on: November 20, 2015, 01:40:09 PM » |
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we have a $1000 deductible also. even when you both have insurance sometimes the insurance companies throw up their hands and say they can't decide between he said/she said (which really screws you if your damage is below the deductible and the other insurance company wont pay up without going to court
we bought dash cams for both of our vehicles.
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Michvalk
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« Reply #12 on: November 20, 2015, 01:49:58 PM » |
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I would take them to court regardless. Maybe that will keep them from driving without insurance the next time |
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Mr Whiskey
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« Reply #13 on: November 20, 2015, 03:21:31 PM » |
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Brother, I think you might wanna consider hibernation!
Glad everyone's okay
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Peace, Whiskey.
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art
Member
Posts: 2737
Grants Pass,Or
Grants Pass,Or
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« Reply #15 on: November 20, 2015, 03:53:02 PM » |
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Good thing you were not on your Valk. Could have been worse. Thank God you were not hurt, truck can be replaced. |
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cookiedough
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« Reply #16 on: November 20, 2015, 10:53:43 PM » |
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Yah, you am sure are pissed as anyone would be, but once you calm down some you realize that everyone is fine and that is what matters.
Somewhat same thing, but not to that degree, happened to me when my then new 16 year old girl teenage daughter took my 30K NEW truck to work and WAS NOT where she was suppose to be AFTER work of which I told her COME STRAIGHT HOME AFTER work. A deer jumped onto the road, she swerved to avoid it, and took out a mailbox doing damage to the right side of the truck. Worse thing was she 'technically' leaved the scene of the accident not informing the cops or homeowner of his trashed mailbox (was at night though in the country and all alone girl 16 years old) so I had to call the police that night to come to my home.
She got a GOOOOOOODDD talking to by the police officer and me as well. Since then now almost 2 years ago, she still has NOT driven my truck ONCE. I made her pay for damages as well since she did NOT listen to me thinking she is invincible or something.
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BobB
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« Reply #17 on: November 21, 2015, 05:15:08 AM » |
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Two Ford Rangers destroyed in one year? Maybe, you need to find another truck brand. Sorry for the loss... |
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« Last Edit: November 21, 2015, 05:17:25 AM by BobB »
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3fan4life
Member
Posts: 6996
Any day that you ride is a good day!
Moneta, VA
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« Reply #18 on: November 21, 2015, 05:55:15 AM » |
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Glad that you're OK.
I'm a little confused though, I thought that the Uninsured/Underinsured insurance was supposed to cover this type of thing.
I carry the max that the insurance company will allow in this area for just such a scenario.
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1 Corinthians 1:18  |
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KY,Dave (AKA Misunderstood)
Member
Posts: 4146
Specimen #30838 DS #0233
Williamsburg, KY
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« Reply #19 on: November 21, 2015, 09:22:56 AM » |
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Glad that you're OK.
I'm a little confused though, I thought that the Uninsured/Underinsured insurance was supposed to cover this type of thing.
I carry the max that the insurance company will allow in this area for just such a scenario.
Read carefully. My uninsured motorist is for medical only. They have multiple uninsured motorists policies types. Was an eye opener for me. Not been happy with insurance since moving to KY as they seem to have their own way of doing things........ |
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nogrey
Member
Posts: 939
Live every day as if it were your last
Nampa, Idaho
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« Reply #20 on: November 21, 2015, 11:31:40 AM » |
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Good points.
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nogrey
Member
Posts: 939
Live every day as if it were your last
Nampa, Idaho
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« Reply #21 on: November 21, 2015, 11:33:15 AM » |
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I know what everyone is saying and yes am thankful to be alive and uninjured. Just went thru totaling my other ranger in June and only had liability on it so had to eat the loss. Going thru this so soon afterward and not getting coverage by the at fault driver is annoying to say the least. That doesn't mean I am not thankful. Insurance co told me in KY it goes on my collision that I had on this truck and I am responsible for the deductible. I could go after the father of the girl but if he couldn't keep insurance on the vehicle he sure doesn't have anything to go after. Been down that road before and it ain't worth the trouble. I checked with the Company they said they had insurance with. They bought insurance in August and it cancelled on Nov 6 for non payment. That was for his truck. Her car was never on the policy. They won't answer my phone calls now. I was in touch checking up on her well being. Gave the info to the State Trooper who thanked me for doing his leg work. Says he will update the accident report and follow thru but agreed I won't get anything out of it. It happens ALL the time down here. People doing the right thing get messed over by those who break the law. They will probably have their license revoked but will continue to drive and harm someone else. I feel for the 18 wheeler driver who about puked in his truck thinking he killed her. Busted his front end up pretty good and lost all fluids. He wasn't making it home to Michigan that night.
You are absolutely correct. It's the "New American Way". Responsible, hard-working rule abiders like you (and me) are suckers and chumps. Paying the way for all of those who are irresponsible, unreliable, law-breakers who essentially get rewarded for their neglect by virtue of the fact they don't ever get penalized in any realizable fashion. And you (and I) are conservative a$$holes for even speaking out like there's something wrong with the way it's done in this country. Sorry for your losses brother, it's wrong. That's all there is to it. I especially like how they won't answer your calls now. tickedoff |
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The emperor has no clothes
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« Reply #22 on: November 21, 2015, 11:47:36 AM » |
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Glad that you're OK.
I'm a little confused though, I thought that the Uninsured/Underinsured insurance was supposed to cover this type of thing.
I carry the max that the insurance company will allow in this area for just such a scenario.
Read carefully. My uninsured motorist is for medical only. They have multiple uninsured motorists policies types. Was an eye opener for me. Not been happy with insurance since moving to KY as they seem to have their own way of doing things........ Damn, that is messed up. I'm going to have to investigate my policy now. Thanks for the heads up. Sorry about your truck. |
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DK
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« Reply #23 on: November 21, 2015, 12:06:35 PM » |
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I'm glad you weren't on your bike and riding it out on the cables / bike slicers.
Could have been a lot worse. Those cable barriers should be declared illegal and taken down.
Dan
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Machinery has a mysterious soul and a mind of its own.
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cookiedough
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« Reply #24 on: November 21, 2015, 02:37:48 PM » |
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take your police accident report and go to small claims court on the damages. You will win your claim and then they will get notice from the court they owe damages. Then, if no pay still, go to DMV (dept. of motor vehicle) with small claims judgment against them and if NO payment say within 60-90 days, the DMV will take their drivers license away.
I had to do that same thing for ONLY 1200 in damages guy rear ending my new truck. NO job, no car insurance, no money, nothing. He did not want me to even call cops, but luckily I did since that police report was needed for sure. After 10 months of non payment, the DMV letter convinced him NO drivers license, he would need that for sure. I got sick of calling him up leaving messages weekly and after 10 months of him saying he will pay, he will pay, decided to take my own action and after that, was handled quickly. I got sick of his excuses and was too nice to him but a dirtbag is still a dirtbag. He could have paid me 100 bucks per month for 12 months and I would have been happy.
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Oss
Member
Posts: 12766
The lower Hudson Valley
Ossining NY Chapter Rep VRCCDS0141
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« Reply #25 on: November 21, 2015, 03:15:34 PM » |
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Dave glad you were ok
So lets think of what if state legislature should pass a law
If you drive with no insurance you have a choice in event of an accident which causes injuries or damage
What would be pro and con say you
Loss of the vehicle which is sold to pay the deductible of the other owner within 10 days if no proof of insurance can be produced
Loss of driver license (except drive to work )
Siezure of any and all assets to pay after trial judgment is entered
Its a game get the insurance card and cancel
Yeah right maybe the ins co should be forced to sue the uninsured
once their profits get sucked down their PAC will find a better solution
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If you don't know where your going any road will take you there
George Harrison
When you come to the fork in the road, take it
Yogi Berra (Don't send it to me C.O.D.)
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