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Old 09-04-2018, 10:25 AM   #51
Chuck H
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No one else has mentioned this, but in the initial post you mentioned you were going about 60 on the main road and the woman pulled out of a side street right in front of you. Is that a 60 mph zone, or were you over the speed limit? And did you mention how fast you were going in the police report? That could come back to bite you if you did, and it could be why the insurance company is taking the easy (and more profitable for them) way out by assigning 50-50 fault and saying that only uninsured motorist insurance applies.

Also, for what it's worth, your poor car took a heck of a beating, but unless you managed to scrub off a fair amount of speed with your quick braking, that doesn't look like a 60 mph collision. At that speed, I would have expected the engine to be in the front seat with you.

Best of luck, either way, and "no fault" really sucks. We have it in MA, but what it means is that each party's insurance pays their client's claim, then they take care of suing each other in court, instead of you having to do it. So your company would have paid your claim, then gone after the uninsured driver in court to recover their costs, instead of leaving you hanging.
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Old 09-04-2018, 04:03 PM   #52
Dr. Dirty
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I’m sure you know, but are you sure that your uninsured motorist is only 10k? My wife was just rear ended by a Columbian chick with no drivers license and no insurance. USAA told me that we are covered up to 100,000 for uninsured motorist, and 10,000 in medical payments. Basically the same as our 300/100 policy. The deductible is 100 bucks if it falls under uninsured motorist. They are fixing it and going after her for the money, and will ding her credit or try to put a lien on her if they can’t get her to pay.

Last edited by Dr. Dirty; 09-05-2018 at 09:35 PM.
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Old 09-04-2018, 04:59 PM   #53
SirBrass
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Quote:
Originally Posted by Dr. Dirty View Post
Iím sure you know, but are you sure that youíre uninsured motorist is only 10k? My wife was just rear ended by a Columbian chick with no drivers license and no insurance. USAA told me that we are covered up to 100,000 for uninsured motorist, and 10,000 in medical payments. Basically the same as our 300/100 policy. The deductible is 100 bucks if it falls under uninsured motorist. They are fixing it and going after her for the money, and will ding her credit or try to put a lien on her if they canít get her to pay.
I'm getting the feeling that this could be one of those things where the difference between "a great low rate you can get online!" insurance and the more expensive insurance (like USAA or State Farm) is going to show.

I've always had USAA, so I don't know. But I'm beginning to think that this is where we start to see "You get what you pay for."
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Old 09-04-2018, 05:22 PM   #54
rtv900
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Quote:
Originally Posted by SirBrass View Post
I'm getting the feeling that this could be one of those things where the difference between "a great low rate you can get online!" insurance and the more expensive insurance (like USAA or State Farm) is going to show.
Ha, seriously

Hopefully he didn't call "The General"
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Old 09-04-2018, 05:31 PM   #55
SirBrass
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Originally Posted by rtv900 View Post
Ha, seriously

Hopefully he didn't call "The General"
I heard that blasted commercial so often for so long that it was the first thing that came to mind when I thought "bargain basement insurance."
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Old 09-07-2018, 10:15 AM   #56
LMass9
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that's even heartbreaking to look at. Cars are like kids but I'm sure you'll have new experiences soon
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Old 09-09-2018, 01:25 PM   #57
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Really glad you're okay OP. Be thankful that you were in a safe car and walked away from the accident.

I'm sure you feel like **** but to give you some perspective, my other toy is a SV650. You see **** like this happening all the time because people don't look, especially not for bikes. We will life to drive (and ride) another day.
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Old 09-09-2018, 07:16 PM   #58
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I just double checked my insurance policy and it covers both collision and uninsured driver. I use GEICO in MD and have had issues in the past with uninsured drivers. I’ve elected maximum payout and deductible to help offset the costs on insurance. When I changed from a CrossTrek to a WRX my rates went up about $200 but I chalk that up because of the nature of a WRX and the value for the car compared to the XV.

Sorry about your loss and I’m glad to hear you were able to walk away from the incident mostly unharmed.
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Old 09-14-2018, 10:52 AM   #59
Royal Navy
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Find out where she lives... visit her in the wee hours and.... put a BAT up her nigh gown ha ha ha. What she really needs is a kick up the arse... and another.... and another...
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Old 09-14-2018, 11:25 AM   #60
SirBrass
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Quote:
Originally Posted by Royal Navy View Post
Find out where she lives... visit her in the wee hours and.... put a BAT up her nigh gown ha ha ha. What she really needs is a kick up the arse... and another.... and another...
Considering she has kids... no.
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Old 09-14-2018, 02:25 PM   #61
Mulder
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Looks like he said farewell the day he made this thread-

Last Activity: 08-21-2018 04:35 PM
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Old 09-14-2018, 04:08 PM   #62
outback4xx4
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That suckssss
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Old 09-17-2018, 11:22 PM   #63
mitoh
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Quote:
Originally Posted by SirBrass View Post
I heard that blasted commercial so often for so long that it was the first thing that came to mind when I thought "bargain basement insurance."

On the same league of the late 90s advert for "Cheap Insurance Company" Not sure if it's nationwide, it always shows up late night here in Sacramento, CA back then.
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Old 09-19-2018, 03:13 PM   #64
SubieGoober
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Sorry to leave you guys hanging,

This whole deal has been a nightmare, and has consumed me...
I did get an attorney involved, and I managed to get a decent settlement from my insurance (By the way, No I don't have the General ), but it's nowhere near enough to replace my STI.

I didn't think it looked that bad on the outside, but it had extensive chassis damage, and the engine was actually pushed and tilted back at an angle.
I was given an estimate of approximately $17k to fix it all, and that even repaired it would never drive the same again.

She was officially totaled out, and is now at a salvage yard somewhere.
Still waiting on that check, nearly a month later...

Here's the final pictures I snagged before they hauled it from the body shop.
[IMG][/IMG]

[IMG][/IMG]

[IMG][/IMG]

[IMG][/IMG]
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Old 09-19-2018, 03:28 PM   #65
SirBrass
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But is it enough to be a decent down payment on another STI?
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Old 09-19-2018, 06:30 PM   #66
SubieGoober
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Quote:
Originally Posted by SirBrass View Post
But is it enough to be a decent down payment on another STI?
It would be, but my problem is finding one.
STI's are not common at all where I live. The closest one I've seen on the market is 2 hours away, crazy overpriced, and it is a 2015 which honestly I don't love the newer body-style in comparison to my 2011... I really lucked out when I stumbled across my old one.

The only Subaru Dealership "close" to me (an hour away) never has STI's unless they're special ordered. Having one ordered takes months, and I'm not in the mood for the ~$600 a month on a brand new car.

I'm fortunate to have my beat up old Chevy to get me from A to B.
Now it's a waiting game. Hopefully something will turn up for me.
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Old 09-20-2018, 08:27 AM   #67
SirBrass
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Quote:
Originally Posted by SubieGoober View Post
It would be, but my problem is finding one.
STI's are not common at all where I live. The closest one I've seen on the market is 2 hours away, crazy overpriced, and it is a 2015 which honestly I don't love the newer body-style in comparison to my 2011... I really lucked out when I stumbled across my old one.

The only Subaru Dealership "close" to me (an hour away) never has STI's unless they're special ordered. Having one ordered takes months, and I'm not in the mood for the ~$600 a month on a brand new car.

I'm fortunate to have my beat up old Chevy to get me from A to B.
Now it's a waiting game. Hopefully something will turn up for me.
Perhaps consider a WRX this time? The situation sucks, I know, but WRX is better than a beat up old Chevy .
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Old 09-20-2018, 09:32 AM   #68
rtv900
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Man that thing is F-ed.
That took one hell of a shot.

You should ask what the salvage value is and consider buying it to sell your wheels and whatnot.
If it's just $500 or something you could make a little if it's worth your time.
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Old 09-20-2018, 11:35 AM   #69
SirBrass
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Quote:
Originally Posted by rtv900 View Post
Man that thing is F-ed.
That took one hell of a shot.

You should ask what the salvage value is and consider buying it to sell your wheels and whatnot.
If it's just $500 or something you could make a little if it's worth your time.
He could get some decent cash if he gets those wheels off and sells them. They don't look like they took any damage.
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Old 09-20-2018, 01:06 PM   #70
rtv900
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exactly, that's the first thing I noticed as a cake thousand bucks with virtually no effort.

Put in some effort pulling engine parts off like intake manifolds and certain pipes and you can get some money.
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Old 09-20-2018, 05:44 PM   #71
mcursch88
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where's it located, ill go scoop it up
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Old 09-23-2018, 01:23 PM   #72
SubieGoober
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Quote:
Originally Posted by rtv900 View Post
Man that thing is F-ed.
That took one hell of a shot.

You should ask what the salvage value is and consider buying it to sell your wheels and whatnot.
If it's just $500 or something you could make a little if it's worth your time.
I would've liked to buy it back, but they wanted almost $1000 for it, and on top of that I'd have to get it towed back to the house (another $300) and I really don't have anywhere I could've put it that wouldn't be in the way or just outright and eyesore. So I just let it go... A d*mn shame, but I wasn't left with much of a choice.
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Old 09-23-2018, 01:25 PM   #73
SubieGoober
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Quote:
Originally Posted by mcursch88 View Post
where's it located, ill go scoop it up
Beats me , they wouldn't disclose the location unless I bought it back
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Old 09-27-2018, 05:07 AM   #74
Fahrenheit85
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Stories like yours is why I always tell people to make sure they got coverage in case of a underinsured driver hits them. It's only a few bucks more a month and would have covered you.
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Old 10-01-2018, 10:32 PM   #75
R4FFY
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Quote:
Originally Posted by SubieGoober View Post
Sorry to leave you guys hanging,

This whole deal has been a nightmare, and has consumed me...
I did get an attorney involved, and I managed to get a decent settlement from my insurance (By the way, No I don't have the General ), but it's nowhere near enough to replace my STI.

I didn't think it looked that bad on the outside, but it had extensive chassis damage, and the engine was actually pushed and tilted back at an angle.
I was given an estimate of approximately $17k to fix it all, and that even repaired it would never drive the same again.

She was officially totaled out, and is now at a salvage yard somewhere.
Still waiting on that check, nearly a month later...

Here's the final pictures I snagged before they hauled it from the body shop.
[IMG][/IMG]

[IMG][/IMG]

[IMG][/IMG]

[IMG][/IMG]
Congratulations! I'm glad to see that you sought legal counsel and were able to get a settlement from insurance. What sucks though is your lawyer still took 30-40% of that settlement. Was there no course of action to go after the motorist without insurance? Despite being a no fault state she was still breaking law by not carrying the proper insurance.

Also, don't be afraid to purchase a vehicle out of state. In my opinion buying locally most of the time is just plain stupid. For example, I'm located in Alabama and purchased my Passat in Missouri. The local dealers within a 250 mile radius would only take $2,500-$3,500 off MSRP. I ended up flying to Missouri and purchasing the same car for $5500 off OTD. In southern Alabama there is Koby Subaru who is supposed to sell a lot. Another place worth a check may be the Subaru dealer in Schaumburg, Illinois. This was 13 years ago now but at the time my father purchased my WRX they were and had been the number one selling STi dealer in the country. It was 5/5/05 when my car was purchased and they currently had over a one million dollars of just STi's in stock. Either way just find a high volume dealer and you'll get the best pricing possible.
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