Ferrari Mailing List: Re: [NFC] Advice on a totaled car

[scott saidel (scott_saidel]

Britt

Not typically something that the police look for - at least not yet.  

However, The firm I work for has started (at my suggestion) demanding any 
recordings from in car cameras or by the insurance company's in car monitoring 
devices.  They can tell quite a story about the way people drive. 

Sent from my iPhone

> On Nov 4, 2016, at 12:22 PM, Britt2Asa via Ferrari <ferrari [at] 
> ferrarilist.com> wrote:
> 
> That's why so many people are driving around with an in car traffic recording 
> camera. Only problem is (here at least) the police can use it to prove if the 
> fault is YOURS in the event of an accident. Not sure about the states.....
> 
> I'm guess you have a battle ahead. The charger is still perfectly useable so 
> I doubt you can claim for it as with the cleaning supplies but good luck.
> 
> BR in the UK
> 
> Sent from my iPad
> 
>> On 4 Nov 2016, at 15:15, Matt Boyd <ferrari308driver [at] gmail.com> wrote:
>> 
>> A couple things up front.
>> 
>> i) Our 2013 Tesla Model S is totaled.
>> 
>> ii) Please consider buying gap insurance for when you have a total loss and 
>> the balance on your loan is much higher than the depreciation on your 
>> expensive car. We do not have gap insurance. No need to taunt, but instead 
>> internalize and take our lesson learned.
>> 
>> iii) Jennifer and the two kids were in the car (I was not). She is in a soft 
>> cast with what the podiatrist suggests is a second grade or third grade 
>> sprain of her ankle, and her wrists are recovering from being 
>> swollen/bruised due to the impact of the airbag.
>> 
>> BLUF: Jennifer was driving with the two kids in the car and was within a few 
>> blocks of home. Someone cut in front of her, and both cars are a total loss. 
>> She was brought to the hospital by ambulance but is recovering fine. The 
>> other driver is 24, has an international driver's license, was driving a 
>> rental car (Sentra), and listed a hotel as his home address. Both drivers 
>> claim they had a solid green light, there were no witnesses who say they saw 
>> the signal lights, there are no cameras at the intersection, so the police 
>> have said that it is a "no-fault" accident and that the insurance companies 
>> can work it out on their own. Our insurance (USAA) says that they might do 
>> some sort of investigation to see if they can determine if the other driver 
>> is at fault. Whether they try to do that or not, I don't think they will be 
>> able to prove anything, as it now is a "he said she said" thing. 
>> Additionally, our insurance has already told me that in the event of a "no 
>> fault" accident, our deduct
> ible will be waived, and the accident will not reflect at all poorly on our 
> driving record on our policy. If you look at the current value of the car and 
> the current balance of our loan, we will likely have to pull $10k-$15k our of 
> our pocket to cover the delta, and we will no longer have our car.
>> 
>> Advice requested: What things can I do to help better reflect what I have in 
>> the car? Here are some things I'm gathering receipts for. First, the 
>> original invoice that reflects that our car was a fully loaded P85 with all 
>> the options (except the "plus" option at the time, or the 21" wheels). 
>> Second, I have about $5k into a multi-stage paint correction at the time we 
>> bought it, Suntek film to protect the paint (it didn't have a single rock 
>> chip before this accident), Modesta coating (so that the car was always 
>> protected from water spots and always looked freshly waxed). I have a 
>> receipt for over $900 for having Photosync window tint installed on all the 
>> interior glass. I have used up my $7500 federal tax credit for buying an 
>> electric vehicle (a one-time thing) so I'd have to add that onto a new 
>> purchase (not sure if this counts for anything). I had a separate electrical 
>> circuit and Tesla High Power Wall Connecter installed at home when we bought 
>> the car (totals over $2k), and now I 
> have no use for it. I had Tesla upgrade our original 3G cellular radio to LTE 
> ($500). I was recently invited and participated in the Classics on the Green 
> car show as one of the "trendsetting" feature cars. I've requested (with 
> George Parker's assistance) the judging sheets from that day. The car was 
> truly in showroom condition, even better after the paint correction actually. 
> I had purchased special equipment to clean and dry the car fully hands-free 
> (several hundreds of dollars) with a power washer (which is possible due to 
> the Modesta coating). Now that stuff is pretty much useless.
>> 
>> Any other thoughts/recommendations/advice is appreciated.
>> 
>> A few of my friends here are Facebook friends of mine, and have given advice 
>> that I haven't meant to ignore, particularly to consider suing the other 
>> driver. I think it is good advice and might promote a more thorough 
>> investigation, but given that my insurance company has basically told me 
>> we'll get off with no deductible or ill-results from a no-fault judgment, my 
>> incentive to sue is lower. There are a few things we could gain from it if 
>> the other driver would be found at fault, but I have high confidence that 
>> the investigation would turn up nothing.
>> 
>> Thanks for any helpful advice.
>> 
>> -Matt
>> '85 308
>> etc
>> 
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