Re: [bmw] Just got into and accident NEED ADVICE!!

[Robert Chase <beostar@xxxxxxxxxxxxxxxx>]

Manuel,

Call his insurance company and file a claim stating the facts of the 
case.  If you have an attorney that you deal with on a regular basis 
give them a phone call and find out what your rights are in your state. 
 Call your insurance company as well especially if you have full 
coverage insurance.  Regardless of fault your insurance company will 
repair your car and then just sue the other insurance company for the 
cost.  Its probably one of the more easy ways to deal with the problem 
as your own insurance company will try and treat you well and does not 
care about the expenses of the other insurance company.

Your description is kinda vague.  I would sit down and write an accurate 
as possible description of the events as they happened while they are 
fresh in your mind.  As well try and find out if there is any traffic 
cameras at that intersection and subpeona the footage when you go to 
court.

Did anyone get a ticket?  Tickets if not fought are usually a good way 
of determining fault regardless if fault actually existed.  If he was 
ticketed and just pays his ticket its essentially an admission of guilt 
to the insurance company.  If he was ticketed or if you were show up in 
court for the hearing.  Try and find out his hearing date and show up as 
well as a witness against him.

Good luck with your car.  This is one of those situations that I hate 
thinking about as I self insure my own cars for Comprehensive and 
Collision.  When a car gets to a certain dollar Value (Under 10K) it 
makes more sense to self insure if you can deal with the fact that one 
day you may take a total loss with no recourse.  Several years ago I 
lost a Honda Prelude and had no recourse.  I was selling it and my 
brother was taking the car to a tire place for new tires for a seller 
that was interested in buying.  A dump truck lost a shovel and the 
vehicle in front of him panicked and slammed on his brakes in the middle 
of an interstate.  My brother proceded to drive the Honda Prelude up the 
backside of this F250 pickup truck.  A nice and painful $7000 loss.  To 
make matters worse the driver of the truck who caused the problem tried 
making a claim on my insurance.  Fortunatly my insurance company 
rejected it because I was not driving the vehicle and did not admit 
fault and was not ticketed.  The truck owner was unable to find out who 
my brother was insured by.

Robert Chase



Mr wrote:

> Greetings all.  
> I could really use some advice from you guys on what
> to do here. Here's the situation,
> I was making a left turn at an intersection.  Light
> turned red.  I saw the traffic coming the oposite
> direction slow down so I begin my turn.  The car in
> the lane (2 lanes)closest to the street decides to try
> to run the red light and hits me in the passenger's
> front corner of my car (95 325i).  His car is a 77
> Chevy.  WHAT CAN I DO??  He claims he didn't run the
> red light and that the light was still yellow.  It
> wasn't.  I have no witnesses he dad his g/f in the car
> w/him.  I didn't get a police report taken because a
> sherriff (not in his area) that did stop said a police
> report wouldn't really help anyone out.  He said a
> report would only take down what we say and not really
> determine who was at fault.
> I could really use some direction here guys and would
> really appreciate some help. Thanks.
>
> Manuel Paredes
> 93 325i (Out of service)
> L.A. BMWCCA
>
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