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@smiles917 because decades of experience with millions of drivers like OP have shown that people who go uninsured are riskier drivers and more likely to cause an accident and what do you know! the insurers were right lol

@urbi123 your injuries are usually settled separately from the vehicle damages itself. your post is unclear if that’s what they’re offering

@resjudicata That’s why it’s so aggravating when people run quotes and ask for the lowest price possible A solid chunk of agencies won’t even quote state minimums anymore out of principle lol

@sdahasaqueation Yup. My company automatically flagged every claim within X time frame after a coverage change to investigate further. Huge red letters in the claims system at the top too. Impossible for adjuster to ignore lol

@urbi123 Yup. No collision means you’re at the mercy at whatever they offer you. Which is $12k at this moment if the valid damages are higher than $12k once they start repairs, Tesla will send a request for additional funds to the insurer

@ron902 They’re gonna ask you “when did the damage occur?” regardless of when you report it. If you choose to lie, that’s fraud

@kings9111 I’ve always wondered if the UIM/Liability linked cap was ever listed as a law/regulation or it’s just the insurer’s policy. With pretty much every insurer Ive dealt with, they’ve had the two coverage caps linked so it feels too consistent to be company policies lol

@ren207 I took a pee test at my job. As long as you peed clean it wasn’t an issue. D8 doesn’t stay in your body for more than a few weeks so if you get the interview, just don’t partake for a few weeks lol The background check for the overwhelming majority of jobs is basically just running your...

@dixiegypsy31 Sounds like the salvage company didn’t properly fill out the transfer paperwork It wouldn’t have created an issue if they cancelled/transferred your registration correctly because when your insurer transmitted “we no longer insure this vehicle” to the DMV, there’s no issue since...

@asong4him Wait so you negotiated $300 off of $4k in repairs? lol

@skipster God, the last week of the year and first few weeks of this year were nonstop pipe burst posts in this subreddit lmao

@sithum You’re overthinking this After the total loss offer is made, you are given a deadline to return the rental and the rest is out of pocket. 72 hours sounds about right. In the day of internet car shopping, online approval for loans, and dealers being easier to call than ever, it does not...

@jobinseattle A very important distinction is regardless of if they are covered by their insurance policy, they are still personally liable for your damages if they are at-fault. It’s not a get out of jail free card to cause an accident with an invalid insurance policy. You always have the right...

@caymele Nope - call the DMV or check their website on making totaled cars road legal again

@sparks117 the damages you caused to the other vehicle will be covered up to your “property damage liability” limit on your policy. no money out of pocket the damages to your own vehicle will be covered under your collision coverage. you’ll have to pay your deductible but the repairs will be...

@caymele Just tell them you want to owner retain the vehicle. your payout will be reduced since you’re keeping the salvage but you can keep your vehicle your vehicle is old enough that many states won’t even require a salvage title but that’s between you and the DMV

@sophyjo Ooh yeah you definitely should have added that upfront. That potentially makes things super ugly since it would potentially bring the innocent customer into the scenario. It also explains why the dealer is so intent on settling it outside of insurance. Personally I’m still going...

@sophyjo If you have the state minimums (no “collision” coverage) then your insurance won’t do anything in the first place so you can save the call You can either go through the dealership, or the truck driver’s insurance. your call!

@burpaholic2 Then there you go - problem solved lol Now if they say “we’re denying your claim because you looked up how to file a claim” THEN you have an actionable way to dispute that But don’t borrow stress that hasn’t happened yet from the future. Cross that extremely unlikely bridge when...

@burpaholic2 because people crack and admit to fraud when pressed even the slightest bit if you’re telling the truth about the facts of the claim re: date, conditions, time, etc, you’ve got nothing to worry about with this claim