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Hey guys, had bad day today. A truck hit my car. Serious damage. Called cops, they said that report will be available tomorrow. Do I go to my insurance company then or to the collision center who works on insurances and does everything? Which way is better? Do I get a compensation for the lost days/hours? Any advices would be much appreciated. Thanks and safe driving everyone.
 

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So, I'm trying to understand the purpose of the Black Car Fund. I think I heard that they pay drivers but I think that's for Workman's Compensation and not days out of work. Wish I could let you drive my car while yours is getting fixed...it's just sitting here.

Good thing you have collision insurance... well, if you're talking about calling the insurance company, I am assuming you have collision insurance. I took collision off of my Accord because I wasn't driving for-hire and I didn't wanna spend the extra money. Now I started driving again but I'm super careful. Not even a tiny scratch.

If you're renting, maybe they'll give you another car while you wait for the repair.
 

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So, I'm trying to understand the purpose of the Black Car Fund. I think I heard that they pay drivers but I think that's for Workman's Compensation and not days out of work. Wish I could let you drive my car...it's just sitting here.
Black car fund is only if you are personally hurt on the job. Not your car.
 

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Hey guys, had bad day today. A truck hit my car. Serious damage. Called cops, they said that report will be available tomorrow. Do I go to my insurance company then or to the collision center who works on insurances and does everything? Which way is better? Do I get a compensation for the lost days/hours? Any advices would be much appreciated. Thanks and safe driving everyone.
No you don't get paid for lost days.... You aren't an employee.

Also yes contact your broker and they'll walk your through the steps.

If you are at fault and don't have full coverage (only liability) you have to pay from pocket for repairs.

If you are at fault and have full coverage, your insurance will pay your damages.

If you aren't at fault it dosnt matter if you have full coverage or not, the other dudes insurance will pay for repairs.
 

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Black car fund is only if you are personally hurt on the job. Not your car.
OK.... thanks for teaching me something new. Zubera mentioned that his neck was hurting when he turns it... and his back is sore.... I think his knees is also in pain (sorry, Zubera... but I'm trying to help your BCF claim) lol
 

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Hey guys, had bad day today. A truck hit my car. Serious damage. Called cops, they said that report will be available tomorrow. Do I go to my insurance company then or to the collision center who works on insurances and does everything? Which way is better? Do I get a compensation for the lost days/hours? Any advices would be much appreciated. Thanks and safe driving everyone.
Yes you can claim counterparty insurance for time lost from work and other expenses. You will have to prove what you make daily
 

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No you don't get paid for lost days.... You aren't an employee.

Also yes contact your broker and they'll walk your through the steps.

If you are at fault and don't have full coverage (only liability) you have to pay from pocket for repairs.

If you are at fault and have full coverage, your insurance will pay your damages.

If you aren't at fault it dosnt matter if you have full coverage or not, the other dudes insurance will pay for repairs.
He said the other truck hit him, so I hope the other guy is at fault.
 

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Hey guys, had bad day today. A truck hit my car. Serious damage. Called cops, they said that report will be available tomorrow. Do I go to my insurance company then or to the collision center who works on insurances and does everything? Which way is better? Do I get a compensation for the lost days/hours? Any advices would be much appreciated. Thanks and safe driving everyone.
Dude go to the hospital get your self checked make sure you are ok
 

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Well, I believe you can get your car fixed quickly with your insurance and then THEY (your ins. company) will fight w/ the other guy's insurance company to get their money back. The goal is to take care of you ASAP...because the other guy's insurance may try to drag their feet with you, as a bunch of question, try to look for ways to not be responsible, etc.
 

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What they can do?
Just try to make it seem like there was 50/50 responsibility... like doing depositions that are pointless... asking you to complete loads of paperwork, asking you a lot of questions about your life... your education, your family, your criminal record, etc. This is used to determine whether you're credible or more likely easy to beat in court.
 

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Discussion Starter · #17 ·
Just try to make it seem like there was 50/50 responsibility... like doing depositions that are pointless... asking you to complete loads of paperwork, asking you a lot of questions about your life... your education, your family, your criminal record, etc. This is used to determine whether you're credible or more likely easy to beat in court.
There would be a police report and it will say that it was at his fault. I have pics and witnesses.
 

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If it was the truck's fault, their insurance should handle everything. Your insurance company can know if you want, but they shouldn't have to do anything. And their insurance will pay your worker's compensation for lost time. Expect to give them your earning statements.

Is the car totaled? Was it towed somewhere? Do you have their insurance company's contact info? Did the other driver admit fault?
 

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Discussion Starter · #19 ·
If it was the truck's fault, their insurance should handle everything. Your insurance company can know if you want, but they shouldn't have to do anything. And their insurance will pay your worker's compensation for lost time. Expect to give them your earning statements.

Is the car totaled? Was it towed somewhere? Do you have their insurance company's contact info? Did the other driver admit fault?
He said, he didn't see me, he refused to give me his insurance card and license. Car still can be driven, no tow needed
 

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He said, he didn't see me, he refused to give me his insurance card and license. Car still can be driven, no tow needed
So you'll just have to wait to get the police report then. It will all be in there.

Assuming the police report says it's the other driver's fault, what's going to happen is their insurance company will send out an adjuster to look at your car. They'll look over the damage and do some research regarding how much it will cost to fix. Say they come back with an estimate of $5,000 just to make it easy. They'll cut you a check for $5,000 and you'll have that money to get the car fixed. You bring the car wherver you want and if the amount comes out to more than $5,000, the body shop will contact their insurance company and work out the difference. If you can find a body shop to do it for less, you keep the change.

You will also be paid workers comp for lost time. They'll need to see either tax returns or pay statements. They'll probably low ball you with an offer, but you'll probably be able to negotiate about $150 to $200 per day of time you can't work. They'll offer you something small, but you negotiate it with them. Don't take their initial offer.

That's pretty much how it works. You'll just have to play the waiting game for now until you get that police report. Once you get that, you can get on top of everything.
 
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