VictorWilliams

Hi,

My 2008 Honda Civic LX was involved in a crash with a state vehicle (Pick-Up truck) in Rhode Island . I was waiting to take a left to move to the opposite lane and the truck guy smashed the front of my car (bumper, two headlights, the radiator (a bit) and the hood). I frantically want help with two questions now:

(a) While I am sure that it was his mistake, myself and my insurance are waiting for the police and crash report. My claims adjuster told me that it will ultimately be depicted in the police report as if it was my mistake and I may at least end up taking the majority of liability for the damages, if not full liability . In case if the mistake is also identified with the truck guy, then will the state bear at least a part of the repair cost for my car? Any idea? I also read about something like Federal immunity for government employees, TORT law, etc.. so this has gotten even more confusing now.

(b) In case if the government doesn't give a penny and if it turns out that expecting justice from them is as useless as **** on a boar, then I would like to pay for the repairs out of my pocket, without even involving insurance. Here are pics of the front damage of my car: "http://postimg.org/gallery/14n7v98r2/". I would be very thankful if I can know a ballpark estimate of the cost to fix the car, based on all your previous experience. I don't even want much paint job, I just want to get my car back on road without beautifying it much.

Any help is greatly appreciated and apologies if this is not the forum or section to post it. Thanks.

ezone

Evidence? Cop says? BS right off the bat?

Buy a dash cam!
WTF do you pay for insurance for?
Unless you are only covered for liability, let the insurance company do what they do.
You need to get the damage and repair estimate figures from your insurance company, that will be your ballpark.

Expect it to go higher if more damage is discovered during repairs.

You may want to get other transportation during the repairs (you may as well buy another car now LOL)... Between insurance and body shops, these things can take months to complete.

VictorWilliams

Actually the main reason I did not want to go fix it through my insurance company is because my monthly premium will go up ridiculously and I have to live with this increased amount for almost the rest of my life. If it is up to $2500 total, I'm willing to pay it out of my pocket.

ezone

Have you asked your insurance company about your rates going up?

I've been there, I was quite surprised at how little my rates changed after a couple large claims due to eff-ups on my part.

TiggerDX

iTrader: (1)

You already involved your insurance company and they may raise your rates even if you don't go through them. The minute you called them and brought an adjuster in on the ordeal, you opened a file under your policy. Rates don't go up for life. You can change companies. The records only last for a max of 5 years.