[Saba El]

Don't you mean seconds? I think that was a typo.

You tried to stop but it was already too late right?

Did you accept a trip or had a pax arse warming the seat? Then your covered by Ubers commercial insurance policy.

If you were online but no active trip then just on their standard policy, but still it should cover the totaled car minus the deductible.

Get one of those accident lawyers. Your neck hurts right? Did you go to the hospital after totalling your car and why the heck not? Harder to prove after the fact but still possible. Often adrenaline rush numbs all sorts of pain and it comes back later.

- seconds to a few minutes, max

I was on a trip. Uber only gave me FMV. less than the 2.5K deductible, leaving me 9K, which my gap should have covered, but won't because it happened during an Uber trip, pax in the car.

I do have an attorney (medical) - and use there is neck and back pain

 

[Stevie The magic Unicorn]

If you thought you were getting Gap insurance that covered you when ridesharing then the E&o claim might save your ass. Not completely but $2,500 is massively better from $9,000.

IF you can get everything but the $2,500 covered, you might be able to negotiate with the bank for a longer loan term for the deductible with lower payments as an unsecured personal loan. Or get a personal loan to pay off the old car loan. The car loan won't be secured anyway so they aren't at any risk extending out the loan with different terms.

 

[oldfart]

that's where I am, I can't bare the thought of BK. Now, with computers, even if it comes off your report, creditors still have a record of it.

Dude, Your credit is already shot

 

[Disgusted Driver]

I wish I had some good advice for you but the problem is that you were living on borrowed time by using a regular loan to finance a newish car. You were killing it's value way faster than you were paying it off.

I hope you are able to reach a settlement with the agent over the type of insurance but keep in mind that it will take you a minimum of 2 years to ever see anything from that assuming you prevail. Things only stay on your credit report for 7 years, not saying you should default on the loan but it's a reasonable option. At this point your best option if you have to keep driving might be a buy here pay here place, as bad as they are they will still be cheaper than avis or hertz.

 

[elelegido]

Late night, dark ramp. Minutes before I came through, 2 drunk drivers collided. I ran through the debris field. Totaled my car. Owed 16k, after Uber insurance (and 2.5k deductible taken) of "fair market value ", I am left with 9k because my gap won't cover. Now, credit shot, can't get another car. I drove about 25 hrs a week. Now, still have to make my car payment plus Uber rental. My expenses monthly will increase $1,000 to $1,300 (depends on 4 or 5 week) and I'll have to pick up extra days a week. Been off a month in PT and Uber's trying to blame me, saying I should have seen the debris in the darkness @ 3:15 am.

I'm stressed, in shock, angry, scared, depressed, no idea what to do. I have a lawyer but they're not sure I can even get my medical expenses from the drunk drivers' insurance. For the car I'm only "entitled" to "fair market value ", no matter what. So i'm screwed.

I'm exhausted and no idea what to do, how to get out of this financial mess.

Any suggestions.

if you totalled your car in your accident, that implies that you didn't just hit debris, but one of the stationary crashed cars. So, Uber is probably right that it was your fault (one should always be able to stop in the distance that one can see to be clear, especially at night).

But that point is moot, given that Uber should be paying fair market value, and the value of a vehicle isn't affected by who is at fault in an accident.

A solution to this could be to buy a $3 - $4 car for U/L. They do exist, just may take a while to find. If you don't have that amount, then you could rent a car from Hertz or Avis and just work a shit-ton of hours due to the low take-home pay after deducting their sky-high weekly fees. Slowly but surely build up the money for a replacement car and then buy it.

With Hertz/Avis in California, though, you'll be making $10-$12 per hour after their fees. It would be better to get a $20/hour job in any fast food restaurant - you'd build up your money for a replacement car quicker.

When you do buy a replacement car, don't spend much on it. You want an older car that is already depreciated. I would not pay any more that $5k to $6k, absolute tops.

 

[Ubering4Beer]

Not sure what market you’re in but here in the great state of Nevada Rideshare vehicles can be up to 16 years old. Like a few have said, I would get on Craigslist or FB Marketplace and start looking for the absolute cheapest vehicle that meets Uber/Lyft’s requirements in your market. I’m sure you can find a 2010/11 minivan or sedan for around $3K. Even if you have to go out of state to find one, it might be your best bet. Just make sure to take it to Jiffy Lube and make sure it’ll pass inspection before you hand over any cash.

If you haven’t already, I’d also start looking into any businesses in your area that pay spiffs for bringing in customers. It’s common practice in Las Vegas for businesses such as strip clubs and marijuana dispensaries to pay $15 or $20 a head for bringing in new clients. If that’s an option go in during off hours and ask to speak to a manager, you might be pleasantly surprised.

 

[Saba El]

if you totalled your car in your accident, that implies that you didn't just hit debris, but one of the stationary crashed cars. So, Uber is probably right that it was your fault (one should always be able to stop in the distance that one can see to be clear, especially at night).

But that point is moot, given that Uber should be paying fair market value, and the value of a vehicle isn't affected by who is at fault in an accident.

A solution to this could be to buy a $3 - $4 car for U/L. They do exist, just may take a while to find. If you don't have that amount, then you could rent a car from Hertz or Avis and just work a shit-ton of hours due to the low take-home pay after deducting their sky-high weekly fees. Slowly but surely build up the money for a replacement car and then buy it.

With Hertz/Avis in California, though, you'll be making $10-$12 per hour after their fees. It would be better to get a $20/hour job in any fast food restaurant - you'd build up your money for a replacement car quicker.

When you do buy a replacement car, don't spend much on it. You want an older car that is already depreciated. I would not pay any more that $5k to $6k, absolute tops.

The ramp was pitched black, virtually no lights. So dark that if it was not in my headlights, it could not have been seen (which it wasn't), and to this day, we still don't know what it was. Whatever it was rolled up under my car, and I went a few hundred feet trying to slow down. The off-ramp is 65 miles per hour . I was slowing down because I knew the ramp and was looking for deer. The issue was the lack of lighting, the drivers were off the road. They were so drunk one was passed out drunk in his car, after it collided. The car was totaled by what ever rolled under it, shredding my undercarriage the only reason you see light is because I'm pointing a flashlight at my fender

 

[Saba El]

I wish I had some good advice for you but the problem is that you were living on borrowed time by using a regular loan to finance a newish car. You were killing it's value way faster than you were paying it off.

I hope you are able to reach a settlement with the agent over the type of insurance but keep in mind that it will take you a minimum of 2 years to ever see anything from that assuming you prevail. Things only stay on your credit report for 7 years, not saying you should default on the loan but it's a reasonable option. At this point your best option if you have to keep driving might be a buy here pay here place, as bad as they are they will still be cheaper than avis or hertz.

I'm still in shock, been off for 4 weeks. I'm still trying to figure out what's going on, make some decisions

 

[Antastic]

Just make sure to take it to Jiffy Lube and make sure it’ll pass inspection before you hand over any cash.

Or find a shop that will just sign the inspection form without looking at the vehicle. I know a guy in San Francisco at an independent shop that does it for $25 cash - total bargain!

 

[bobby747]

If your totally screwed at a 690 credit score. Go get a newer loan to earn cash if you have no choice. Take a hit on the credit report. Make a deal on repayment
Age plays and important factor in all of this.

 

[bobby747]

Honda CRV

2016

179k

Uber and my personal insurance totaled it out at the same


61 years old - no retirement (lost a business- never recovered)

Gross - average 50-60K

Score 690, but 102% of credit used

At 61 and not doing well. Gwt a used Toyota loan. Work out with the bank a repayment pay. Credit shot on 2 years. But still your 63 than.or get a newer small loan on a quality cheap used car. Get a small 2nd job to pay off balance to the totaled car. 690 is not a horrible score.
If your 102 % if payed down 50% your score will rise very risk. Maybe 1 big debt consolidation loan?? 1 payment.

 

[Saba El]

If you thought you were getting Gap insurance that covered you when ridesharing then the E&o claim might save your ass. Not completely but $2,500 is massively better from $9,000.

IF you can get everything but the $2,500 covered, you might be able to negotiate with the bank for a longer loan term for the deductible with lower payments as an unsecured personal loan. Or get a personal loan to pay off the old car loan. The car loan won't be secured anyway so they aren't at any risk extending out the loan with different terms.

I'm going after E&O with expectations of being made whole, pay off 9k, all expenses above what my payment a month would - Uber rental costing me 1-1.4k more a month. I want that back plus all the Uber fees paid to and from trying to get a Uber rental.

 

[Saba El]

Not sure what market you’re in but here in the great state of Nevada Rideshare vehicles can be up to 16 years old. Like a few have said, I would get on Craigslist or FB Marketplace and start looking for the absolute cheapest vehicle that meets Uber/Lyft’s requirements in your market. I’m sure you can find a 2010/11 minivan or sedan for around $3K. Even if you have to go out of state to find one, it might be your best bet. Just make sure to take it to Jiffy Lube and make sure it’ll pass inspection before you hand over any cash.

If you haven’t already, I’d also start looking into any businesses in your area that pay spiffs for bringing in customers. It’s common practice in Las Vegas for businesses such as strip clubs and marijuana dispensaries to pay $15 or $20 a head for bringing in new clients. If that’s an option go in during off hours and ask to speak to a manager, you might be pleasantly surprised.

Sweet, good idea. I'll keep it in mind

 

[Toocutetofail]

Not advice, I'm curious. Is the CR-V drive able or does it have major under carriage damage? What state are you in?

Too late repairing it anyway since it was totalled. I'm just curious because I can rebuild it for cheap.

 

[Ps4]

Late night, dark ramp. Minutes before I came through, 2 drunk drivers collided. I ran through the debris field. Totaled my car. Owed 16k, after Uber insurance (and 2.5k deductible taken) of "fair market value ", I am left with 9k because my gap won't cover. Now, credit shot, can't get another car. I drove about 25 hrs a week. Now, still have to make my car payment plus Uber rental. My expenses monthly will increase $1,000 to $1,300 (depends on 4 or 5 week) and I'll have to pick up extra days a week. Been off a month in PT and Uber's trying to blame me, saying I should have seen the debris in the darkness @ 3:15 am.

I'm stressed, in shock, angry, scared, depressed, no idea what to do. I have a lawyer but they're not sure I can even get my medical expenses from the drunk drivers' insurance. For the car I'm only "entitled" to "fair market value ", no matter what. So i'm screwed.

I'm exhausted and no idea what to do, how to get out of this financial mess.

Any suggestions.

Look into companies like MoveDocs. They provide medical funding while you are healing. They will pay for your medical treatments and testing.

 

[javsto69]

Late night, dark ramp. Minutes before I came through, 2 drunk drivers collided. I ran through the debris field. Totaled my car. Owed 16k, after Uber insurance (and 2.5k deductible taken) of "fair market value ", I am left with 9k because my gap won't cover. Now, credit shot, can't get another car. I drove about 25 hrs a week. Now, still have to make my car payment plus Uber rental. My expenses monthly will increase $1,000 to $1,300 (depends on 4 or 5 week) and I'll have to pick up extra days a week. Been off a month in PT and Uber's trying to blame me, saying I should have seen the debris in the darkness @ 3:15 am.

I'm stressed, in shock, angry, scared, depressed, no idea what to do. I have a lawyer but they're not sure I can even get my medical expenses from the drunk drivers' insurance. For the car I'm only "entitled" to "fair market value ", no matter what. So i'm screwed.

I'm exhausted and no idea what to do, how to get out of this financial mess.

Any suggestions.

Play the lotto because thats better than relying on Uber to take care of you. Good luck going forward.

 

[Rideshare drv]

Late night, dark ramp. Minutes before I came through, 2 drunk drivers collided. I ran through the debris field. Totaled my car. Owed 16k, after Uber insurance (and 2.5k deductible taken) of "fair market value ", I am left with 9k because my gap won't cover. Now, credit shot, can't get another car. I drove about 25 hrs a week. Now, still have to make my car payment plus Uber rental. My expenses monthly will increase $1,000 to $1,300 (depends on 4 or 5 week) and I'll have to pick up extra days a week. Been off a month in PT and Uber's trying to blame me, saying I should have seen the debris in the darkness @ 3:15 am.

I'm stressed, in shock, angry, scared, depressed, no idea what to do. I have a lawyer but they're not sure I can even get my medical expenses from the drunk drivers' insurance. For the car I'm only "entitled" to "fair market value ", no matter what. So i'm screwed.

I'm exhausted and no idea what to do, how to get out of this financial mess.

Any suggestions.

Unfortunately you are another sad example of what happens when you drive for ANY gig app,
there was a video I posted on YouTube warning driver on the (gig car insurance) it was nothing but a scam, and they will try not to pay for your car loss,
(even though they have an extreme high deductible)
there are two ways you can get out of your debt,
Número uno, get an hourly full time job and also a second hourly part time job, it is going to be painful but you will get out of that debt within a year,
Too much to handle because of age or anything else? like temporary or permanent injury from accident or previous job? Or other health issues? Then here comes número dos,
Bankruptcy, depending in the state you reside, you can apply for chapter 7 (total discharge of all debts)
Or chapter 13 (a way to consolidate all debts and pay back within 3 to 4 years) as you can read there is light at the end of the tunnel, but you must make a decision now before is too late.

Be thankful to our father in heaven you did not died or end up in permanent disability like many other drivers do,

And let it be this a lesson to all drivers,
Learn from this person unfortunately incident,
STOP DRIVING FOR ANY GIG APP.

 

[RandoM54]

Late night, dark ramp. Minutes before I came through, 2 drunk drivers collided. I ran through the debris field. Totaled my car. Owed 16k, after Uber insurance (and 2.5k deductible taken) of "fair market value ", I am left with 9k because my gap won't cover. Now, credit shot, can't get another car. I drove about 25 hrs a week. Now, still have to make my car payment plus Uber rental. My expenses monthly will increase $1,000 to $1,300 (depends on 4 or 5 week) and I'll have to pick up extra days a week. Been off a month in PT and Uber's trying to blame me, saying I should have seen the debris in the darkness @ 3:15 am.

I'm stressed, in shock, angry, scared, depressed, no idea what to do. I have a lawyer but they're not sure I can even get my medical expenses from the drunk drivers' insurance. For the car I'm only "entitled" to "fair market value ", no matter what. So i'm screwed.

I'm exhausted and no idea what to do, how to get out of this financial mess.

Any suggestions.

If your deductible on your primary insurance policy is lower than Ubers you should be able to get them to pay the difference. I had an accident where Uber (Progressive Insurance) had a $2500 deductible. My personal insurance had a $500 deductible. My carrier was excess coverage and paid me the difference between both deductibles, or $2000.

 

[todskv]

Honestly, the damage picture looks not that bad. This is a CRV, they are not complex vehicles and easily repaired, specially the 2016 (I also have 2016), my wife drives one and I have repaired things like this, in my garage, once a year as she drives over curbes, branches/logs and dear carcasses, also out of ditches that she flies into. Swing Arm, Bumper, Fender, A few other things is like $1000 in parts plus your labor, and they are easy to work on. If the car still drives, then you really didn't do that much damage, just bent a few things and yes they should be replaced. The reason the car was totalled was because of the OEM parts the shop would use and the labor for a car that is almost a decade old with almost 200K miles. It will cost close to 75% of the cars value, so the insurance totals the cars. 2016 CRV is probably the best last good car that is simple to repair and maintain. With proper maintance, 5K oil changes, 30K transmission and rear diffrenctial oil changes, or once every 2 years, the car will last 300K easily. and those are $40 maintance items, with 30minutes of crawling under the car, Find it on YouTube. 2016 CRV is a very thought after cars, A local mechanic will buy it from a salvage auctiuon for $1200, will repair it for another $1000 with in a month and will easily sell it for $8K the next day. Post more pictures of the damage. Did the airbags deploy?

 

[azndriver87]

been there. you’re not totally screwed. 1) buy a car now immediately, used one, a Toyota as cheap as possible, that’s still capable of Uber and Lyft. Before your credit take a hit. Let your insurance know you’re driving for ride share. continue to drive. If you get denied, Lyft and Uber has rental program, and you can do rentals on turo to rent a car. 2) work it out with the lending company to pay off that remaining $9000, or let it go to collections. There’s a chance the collections will just default it for car loans, or work it out with collections to pay monthly payments. 3) ignore medical bills if you can’t pay it. It will go to collections as well and take a hit on your credit, but it won’t affect your ability to buy a house but to be honest at your age your credit isn’t going to affect if you can buy a house or not 4) you should be old enough to collect social security if you’ve paid social security tax for at least 10 years in your life. To be honest having a bad credit at your age might not going to affect much, not like you’re going to take out a new house loan or credit card.