momof4babes Posted May 24, 2015 Share Posted May 24, 2015 Life is feeling like it's one step forward, two back. :( 2014/2015 has been a hard year financially. I'm commission, and brought in less than half of what I normally do, while still paying out all of my fees. Hubby hurt his shoulder at work, but was denied any comp. he had to take time off with physio, and may still require surgery. I was so happy when we got a decent tax return. It meant that we could catch up, and I could have a slightly larger curriculum budget. This morning my husband was taking the kids to his parents for a visit, and an older man made a left hand turn in front of him. Everyone is alright thankfully aside from sore soreness. Our paid off van that was in great shape, is now a total loss. We will get maybe $1500 for it. I could cry. :( So much for catching up. Quote Link to comment Share on other sites More sharing options...
Greta Posted May 24, 2015 Share Posted May 24, 2015 I'm so sorry. :grouphug: Glad that no one got hurt, but still very sorry that it happened. Quote Link to comment Share on other sites More sharing options...
marbel Posted May 24, 2015 Share Posted May 24, 2015 :grouphug: :grouphug: I'm sorry. I can relate right now with a very similar situation. :grouphug: :grouphug: Quote Link to comment Share on other sites More sharing options...
creekland Posted May 24, 2015 Share Posted May 24, 2015 :grouphug: Can you appeal the workman's comp? I know some who did and got it accepted after an appeal. Just a thought. Still... :grouphug: and glad no one was hurt, but I fully understand not getting paid what a vehicle is really worth after an accident. It's frustrating. Quote Link to comment Share on other sites More sharing options...
unsinkable Posted May 24, 2015 Share Posted May 24, 2015 :grouphug: I'm so sorry. We had (2 very serviceable to us) vehicles totaled thru others' negligence* and the replacement money didn't come close to how valuable the vehicles were to us. *one was totaled by someone running a stop sign and the other by a drunk driver. 1 Quote Link to comment Share on other sites More sharing options...
happi duck Posted May 24, 2015 Share Posted May 24, 2015 (Hugs) Quote Link to comment Share on other sites More sharing options...
MedicMom Posted May 24, 2015 Share Posted May 24, 2015 We are dealing with an injured shoulder and workman's comp as well. Sooo frustrating. Hugs. It will work itself out. Quote Link to comment Share on other sites More sharing options...
Twigs Posted May 24, 2015 Share Posted May 24, 2015 :grouphug: :grouphug: :grouphug: Quote Link to comment Share on other sites More sharing options...
Junie Posted May 24, 2015 Share Posted May 24, 2015 :grouphug: Quote Link to comment Share on other sites More sharing options...
momof4babes Posted May 24, 2015 Author Share Posted May 24, 2015 Thank you so much for the kind words, they mean so much right now. We intend to appeal the decision, but we have to retain a lawyer to the tune of $1000.00. Quote Link to comment Share on other sites More sharing options...
fraidycat Posted May 24, 2015 Share Posted May 24, 2015 :grouphug: :grouphug: :grouphug: Quote Link to comment Share on other sites More sharing options...
Rachel Posted May 24, 2015 Share Posted May 24, 2015 I'm so sorry, I am glad everyone is ok. Have you looked up the private party value on Nada or Kelley Blue Book on your car? If it's worth more than the insurance company offers, try to negotiate for a higher offer. 1 Quote Link to comment Share on other sites More sharing options...
Jean in Newcastle Posted May 24, 2015 Share Posted May 24, 2015 If the other person caused the accident won't their insurance pay for everything? Quote Link to comment Share on other sites More sharing options...
Rebel Yell Posted May 24, 2015 Share Posted May 24, 2015 If the other person caused the accident won't their insurance pay for everything? When a low-value vehicle is totaled, all you get from insurance is the value of it. So it might be "worth" $1500, but you would be very unlikely to actually replace it for that amount. Not fun going car-shopping with $1500. This has happened to us several times, an older paid-for car in perfect running condition, not worth much as far as selling it, but we could never replace it for the tiny amount given. 2 Quote Link to comment Share on other sites More sharing options...
Catwoman Posted May 24, 2015 Share Posted May 24, 2015 I'm so sorry. :grouphug: Obviously, the most important thing is that no one was seriously hurt, but you must be so angry and frustrated about your van. What rotten luck. :( 1 Quote Link to comment Share on other sites More sharing options...
Lizzie in Ma Posted May 24, 2015 Share Posted May 24, 2015 :grouphug: :grouphug: Quote Link to comment Share on other sites More sharing options...
kewb Posted May 24, 2015 Share Posted May 24, 2015 I am glad everyone is okay. I totally understand where you are coming from. 1 Quote Link to comment Share on other sites More sharing options...
marbel Posted May 24, 2015 Share Posted May 24, 2015 When a low-value vehicle is totaled, all you get from insurance is the value of it. So it might be "worth" $1500, but you would be very unlikely to actually replace it for that amount. Not fun going car-shopping with $1500. This has happened to us several times, an older paid-for car in perfect running condition, not worth much as far as selling it, but we could never replace it for the tiny amount given. That is what we're dealing with right now - someone crashed into our car in a parking lot. It is an old car, but it was running well. We had just put new tires on it! We will not get much if anything for it. Someone who witnessed the accident actually told me to look on the bright side, we could take the money we'll get for it and buy a new car! I guess she does not know how insurance works. We don't have collision coverage on it anymore, but maybe comprehensive will cover something. If nothing else, we may get a few hundred for the brand-new tires! (Not meaning to derail the thread, here... more :grouphug: :grouphug: to OP.) Quote Link to comment Share on other sites More sharing options...
Rebel Yell Posted May 24, 2015 Share Posted May 24, 2015 That is what we're dealing with right now - someone crashed into our car in a parking lot. It is an old car, but it was running well. We had just put new tires on it! We will not get much if anything for it. Someone who witnessed the accident actually told me to look on the bright side, we could take the money we'll get for it and buy a new car! I guess she does not know how insurance works. We don't have collision coverage on it anymore, but maybe comprehensive will cover something. If nothing else, we may get a few hundred for the brand-new tires! (Not meaning to derail the thread, here... more :grouphug: :grouphug: to OP.) :grouphug: :grouphug: :grouphug: :grouphug: :grouphug: to the OP and everyone else who's been through this. If we put new tires on our car and filled the gas tank, we'd double it's value. :glare: Also, a PSA: for those of you wth older, low-value cars: Check your rates for collision coverage. We found out that, on our van, we were paying more in premiums EVERY 6 MONTHS than the van was actually worth! Meaning, we were paying more money than we'd get back if it was totalled. So it could be smart to drop the coverage and put the money in savings instead, although if you're in the same sinking boat we're in- that money would be desperately needed for some other emergency and then the car gets totalled and you have no savings AND no coverage. :cursing: :driving: 1 Quote Link to comment Share on other sites More sharing options...
Mimm Posted May 24, 2015 Share Posted May 24, 2015 If the other person caused the accident won't their insurance pay for everything? They'll pay for every penny of the bargain basement abysmally low value that they place on the car. It's really unfair how insurance works. But that's a whole other rant. OP, :grouphug: I hate money stress. 1 Quote Link to comment Share on other sites More sharing options...
momof4babes Posted May 25, 2015 Author Share Posted May 25, 2015 Sorry to hear you are going through something similar rebel yell. :( 1 Quote Link to comment Share on other sites More sharing options...
Entropymama Posted May 25, 2015 Share Posted May 25, 2015 :grouphug: :grouphug: We faced something similar last summer. So frustrating. Here's hoping things turn around for you! Quote Link to comment Share on other sites More sharing options...
Jean in Newcastle Posted May 25, 2015 Share Posted May 25, 2015 Not if she lives in a "no fault" state. Gotcha. I live in a fault state. Quote Link to comment Share on other sites More sharing options...
Murphy101 Posted May 26, 2015 Share Posted May 26, 2015 That's how it has been for us for a few years now. So frustrating. (((Hugs))) Quote Link to comment Share on other sites More sharing options...
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