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I've never had an accident but I did learn one important thing about the insurance business when my homeowner's company recently replaced my roof for free due to hail damage.
This is what I learned:
1) Find a body shop that will negotiate directly with your insurance company. Just sit back and listen to those two go at it. There's a good chance the two went to school together and their reunion will result in a great settlement for you regardless of what happened.
Unless you know a lot about cars, the insurance company will probably want to give you as little money as possible. However, a 3K settlement sounds quite fair to me.
2) Don't admit guilt to anybody. Just because you don't have ABS brakes doesn't make you a bad person. Say as little as possible.
3) Cheer up! Just imagine how bad things could have been if somebody got seriously hurt.
4) It's not a bad idea to start taking the bus in these uncertain times: Save the Volvo for weekends and dates. You don't have to drive everywhere. Chasing the bus is good for your heart muscle.
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Please visit my webpage at www.chucksville.org and sign my guesbook!
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