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@sodomyslayer69 That's when they must total it, insurers can total before if they want. You car has a salvage value too, that comes into play.

@sodomyslayer69 KBB is not a good valuation for the ACV of your car. However, let's assume your numbers are accurate. The vehicle is still likely to be totaled at the 5800 estimate. What state?

@raytheon here's a link to the damages

@rightway2truth There's a lot of assumptions here... 1) that the OP has that coverage 2) that It's going to be a smooth process for them to get UIM coverage quickly The smarter play all around is to use the collision coverage and let them fight ot out.

@estherkinyua Use your collision coverage. Be warned what you paid for your car has no bearing on the payout.

@amu Okay, buddy.

@amu Cause... You started this... You obviously have no idea how the insurance industry works. But keep doing you.

@tranquilcs There's not really at this point, they wouldn't have paid out if they thought it was excessive.

@amu Okay, buddy. Still doesn't change anything.

@amu Okay, buddy.

@amu Are you a body repair guy? Most states have thresholds where they have to total it. 100 dollars an hour for mechanical labor isn't bad. 50 an hour for other items is cheap. I just sent out a payment on Prius that needed a new bumper and headlight, nothing else and that was almost 5 grand.

@1036lynsey A lawyer isn't going to take a PD case. You're not looking at a ton of money on a run of the mill three model year old car.

@1036lynsey The reports you buy online, the people won't come to court. I've never seen one that would.

@whiteybeefcake That's why I said his statement was confusing, because it could mean different things. Throw on top the green arrow comment makes it even more confusing.

@sjp03 So, how do you know if she was going quickly? Sounds like she had made a bad choice to turn, but frankly almost no accidents are 100% one person's fault. Were you hurt?

@bfastpool I find it ironic that the OP didn't even consider this.

@sjp03 Your comments clearly state you were in the middle of two intersections... Im not aware of a lot places that are not intersections that have a traffic control device. You state you were in the middle of two intersections and had a green arrow... If you saw her quickly do the U turn...

@sjp03 So, I don't do claims in NY, but if they are 50/50 on the claim.. you should be able to get 50% of your damages paid for on your bike. Take this as a lesson to carry collision. If I am wrong, someone will point it out. For you injuries, a lawyer will only cost you money here. You should...

@sjp03 So, how do you know this? Did you witness her do this? Do you have collision on your policy?

@gatodeq Not as much as you're thinking. You don't even know this person's limits.