Now, since this colision is clearly the result of ), excessive speed and wreckless driving, (Why do they call it "wreckless" when it clearly resulted in a wreck.

Actually they call it "reckless" and not "wreckless" driving.

 

Holy **** thats a bad accident. Hope all gets sorted out smoothly with the insurance company.

 

Were you racing? Just asking to talk about your original question.

If he was completely at fault, you will have to see what their insurance will do. At the very least, they should pay for your immediate medical expense and the value of your car at the moment before the accident. However, considering the nature of the accident, I would expect to be paid to replace the car. A stern talk to the insurance company should probably afford you this. Otherwise, I would consider legal action to be fully reimbursed for the car so that you can replace it fully. I have never sued anyone, and I am not suggesting for you to get more than what is necessary to take your life back to what it was before this accident. I just would not want to be out of pocket anything for such stupidity. This depends a lot on what the police record indicates as the cause.

Let us know what insurnace company they have and what they say.

 

Glad everybody came out ok, including the kids.

 

Thank God you're ok - hope your hand fully heals quickly and the poor passenger is able to get fixed up.

I am curious though - how on a two lane road did the two cars collide in this manner?

Your G's hit in the front and their car's actually hit on the passenger side
- were you both heading in the same direction and did they perhaps try to pass you and then cut back in too soon?
- or were you heading in opposite directions and collided as they were losing control?
Just cursious how they got perpendicular to you at the time of impact

no need to answer my questions - just over analyzing - Thank God you're ok.

 

I'm glad you're okay.

I'm sure the kids were racing 'safely...' Isn't that always the case?

 

take a look at the skid marks in the 1st picture. It looks like the eclipse lost control and slid into the left lane....probably sideways...and then got T'ed up by the G.

 

QuadCam is exactly correct.

If racing in opposite directions becomes the "new thing to do", well then I am a pioneer. For the record, and flame all you want. Racing a street car on a street is stupid. Racing a street car on a street where non participant vehicles are driving...is inexcuseable, should be cause for automatic loss of license and a good *** whoopin'. First I hope the kids are safe. Second I think they should not be allowed to drive a motor vehicle until I am satisfied they learned their lesson. Which could be never. Depends how I feel about it in 20 years. Their stupidity could have killed me. What if I was in a Honda Civic or a motorcycle. I'd be in a casket.

No Pun gets past you. Here I thought I was clever.

 

Glad you're okay, that's the main thing. Yes, there is a God and you should be thanking Him for your life.
As for paying your car off, as long as you have no blame for the accident, your insurance will pay the book value for your car. If you don't have gap insurance, there will be a gap between the book value and what you owe. It's better than nothing though. You can sue for the rest but there's no guarantee on that. I'm no expert and anyone who is can correct me.

 

Yea, thank God you didn't get killed! Sorry to see
these kinda things happen.......have your insurance
recover 100% of your losses. If not find yourself a
good lawyer and go for the max.....new car..vacation
house away from the country. Sounds like you have
a good attitude, keep smiling and never give up! LOL

 

damn, another bad one.....So sorry to see that bro, but you're right: the G probably saved your life too, (along with help from the Big Guy upstairs.)

Get well soon and I hope another G is in your future.
C.

 

Glad you're ok. As for the other part of your post. Your insurance will pay the value of the vehicle before the idiot killed it. The check will most likely be sent to your financial institution that holds the title. You will receive the difference of the payoff amount and the value of the car. The difference will vary depending on how much of a downpayment you made on the vehicle and how many payments were made. Basically the equity you have invested.

 

Been in 2 wrecks where cars totaled, both were at fault of 16 yr old female drivers pulling out in front of me. First accident I was the passenger in my buddies brand new 3 series bmw. Girl pulled out of side street, we bounced of her and shot into a ditch going about 50-60 mph. Air bag hurt like a bitch didn't it. These new cars are designed really well to absourb impact. Just like u said, thanks engineers at bmw. Second was my jacked up chevy Z71 on 35" tires vs ford torus. T-boned it going 45 mph. I miss that truck. 16 yr old playing with radio blew straight thruogh stop sign. Girl was in a coma for a week with broke neck and leg. She had a 100% recovery thank God. I've Been very lucky, looks like you were too. Be careful everyone.