Anyone who has the time for this, I'd appreciate some good advive.

The short of the story is this (the long is below)

I had a dude plow into the front driver side fender and door of my 89 240 waggon.

My car was not far from immaculate looking. I have done a lot of suspension work to it,and baby her as if she was a baby. The damage is pretty severe to the fender, and semi severe to the door. It is still drivable, but I hear noises, brakes squeel, and the motor actually seems to shake a little more than it did earlier in the day "AFTER I GOT THE FRIGGIN CAR BACK FROM MY MECHANIC" ! Yes , less than 5 hours after getting my car back some jack nut plows into me.

I want some advice on how to deal with insurance, and how to write up what my damages are.

I was thinking about things like.

"My upper strut tie bar snapped and fell out of the car on the way home" , and my Turbo was completely knocked out of my car, and I couldn't find it on the street. (I don't have either of the two by the way).

THE LONG STORY… (READ IF YOU WANT A CHUCKLE)

I am sitting at a traffic light waiting to make a Right turn. The road I am on is fairly busy during the day, but this is 10:30 pm on a Monday. This is your typical 4 way traffic light at which houses line the street .

To my LEFT (where I patiently sit and wait for the green arrow) Sits a BLACK Ford F 150. My best friend (my passenger) Looks over at the truck and says to me , "What the fuck is that Guy doing in those peoples yard"? I glance over and don't' really realize that the guy is actually half in a driveway and half in a yard over the top of a drain pipe. My friend Chris says.. "What would you do if that guy pulled out and ran in to you"? I said "I'd shoot him ,but my Gun ain't in the car, because I took it out when I took it to the mechanics". (for those of you that have a problem with this, just disregard it, I am a fairly peaceful person who follows Taoism, and Buddhism fairly closely, but I do have some weird leanings )

Not more than 15 seconds late… (Please excuse all expletives , and If you would like a Clean version of this I could send you one, with all curse words omitted)

NOT MORE THAN 15 motha fuckin seconds later, this stupid jack ass slowly pulls out and runs right into the side of my car. Everything happened so slowly that all I could do was think about what my friend Chris had just said. "Whaaaaaaat Iffffff Th attt Guyy Raaaaan right Innnn to Youuuuu"?

I am sure that I was laughing inside. But IT WAS NOT FUCKING FUNNY AT ALL!

So the guy runs into me, stops and sorta looks at me and backs Up a few feet. I jump out of my car, and walk up to his door and open it (not knowing exactly what to expect) The first thing I say is.. "Are you alright"? the guy mumbles something then I say "How Fucking drunk are you , you dumb ass"? he Mumbles that he had a couple beers.

I basically ranted and freaked out at the guy for 15 minutes before the cops showed up. As I went to my car to call my "Mommy and Daddy" (Yes I love Mommy and Daddy, and I still live in their basement at the age of 29 . I guess I thought my Dad could keep me calm, but I think all He did was laugh at the conversation that he could hear me having with the wasted dude over the cell phone) he approached my car mumbling and completely wasted not making any sense. I kept telling him to go back to his car before I freaked out. He was beginning to insist that I let him write me a check for the Damages.

After I had "wasted dude" Back his truck out of traffic and stand on the sidewalk , I started talking with him. Of course I am extremely pissed because although I love Mommy and Daddy , They did not pay for my car, and my blood was in that car. I honestly feel kinda bad for telling the guy he was a stupid mother fucker, But I think he knew he was a dumb ass. He wanted to write me a check to cover the damages , but I told him "Look this is life, you are a dumb ass, and you fucked up"! "What if you had killed someone you stupid fuck"! "This is for insurance and the cops to deal with".

He said "I'll do anything to not involve the cops" I said "You go buy me a new P 1800 and I'll call it even" . He actually grinned at that. I asked him if he remembered what it was like to be young and care about his car more than any other possessions. He pretty much fell against his car and was back in outer space after that.

The cops come , Hand cuff him , and put him in the car. I asked the cop if I could have the Dudes pink slip and I'd call it even.

My friend who was with me is a Toxicologist, as The cop starts pulling stuff out of "wasted dude's" car, Chris notices the bottle of pills that cop pulls out. It's Soma (for those of you who don't know, Soma is a strong muscle relaxant) the cop also finds a twelve pack in the guys car, with two beers finished. the Dick head didn't even blow anything on the breathalizer, but he was wasted on pills and a little beer.

(I like pain pills as much as the other person , but you guys better never do something this stupid)

That jack ass wasted dude only had a 1 inch by ¼ inch split in the rubber in his bumper.

My car is screwed! It's like having a girlfriend with Acne and Braces who shits her pants. I don't want this….

I am sorry to you who had to read this, but You should have been there. It was FUNNY…

Was the guy's name Jon?

"...my Turbo was completely knocked out of my car, and I couldn't find it on the street. (I don't have either of the two by the way)..."

Don't shoot yourself in the foot, man. The insurance company will probably know, or figure out, that the last year for a turbo in a 240 was '85.

"...beginning to insist that I let him write me a check for the Damages..."

And you didn't say, "OK, make to out to me, my name is Cash, for $10,000?"

"...should have been there. It was FUNNY..."

Somehow I think you don't think so.

Damn, i thought i had problems (read air con firework display) but i really am sorry for you. i nearly pissed myself laughing when i read this.

On a serious note if your making an insurance claim include copies of service bills and any other expences you have paid on the car to back your claim value up. Insurance companies are real bitch,s in the UK i assume this is a world wide thing, so they wont offer you what you insured your car for, remember you dont have to accept the first offer as they may better this and allow you more.

example, my car got wrote off the 1st offer was for £1800, i declined and the rung 3 hrs later and offered £3000, i accepted.

If the insurance company dont want to scrap your car try getting some quotes for repairs about 3 should do and send copies to ins comp if they pay up get the parts from the breakers yard and fit them yourself and you will profit from this unfortunate scenario.

By the way only put down what was damaged in the crash anything else and the ins comp WILL find out they are very good at this.

Cant you sue the twat who pranged you or make a claim of his insurance(thats how ins works in UK) it sounds like it was obviosly his fault if he was hammered.

Hope this helps

I was only kidding about the Turbo thing. And the way I see it , is I can't stand how "sue happy" Our culture is right now, and I don't want to become part of the "Problem".

But of course if the insurence company gives me a hard way, then I'll go after him.

i FEEL YOUR PAIN! The insurance company WILL give you a hard time. Its their way of trying to work you down so that you will settle for less. Do not back down at all from your fight with insurance. The problem? "oh I am sorry sir but how old is your car? Well you know it's only worth so much". My wife was in our 87 245 and got run over by an 18 wheeler while she was at a stop, with my 2 and 3 year old in the car.(Dumbass ran over the enitr front end, stuts were completely horizontal) As luck would have it the local television station was filming some kinda report and got the whole thing on tape! It took us over 2 months to get any type of compensation from his insurance and then they still didn't want to cover medical expences. Moral of the story "The friggin insurance company forced me to get a lawyer to get them just to cover my cost". Let the buyer beware!!

was anyone seriously hurt? Did you get a copy of the Video, and can you look back at it now and count yer blessing while laughing?

I will fight, I talked to my mechanic about the "suppliment" that should be tacked on to the insurence for things that are not body related.

I know he messed up my strut tower, because my steering wheel is not straight when traveling straight. I got some pops and stuff happening in my steering.

I hate the hastle that all this causes. I wouldn't have been so mad if it was some old lady. BUT THIS JACK ASS COULD HAVE KILLED SOMEONE!