Full Line Sales
How can I make full claim of my car after a car crashed me sending my car to hit the divider and overturn.?
The car travelling behind me did not see all the cars in front were stopping. It was not even a jam brake but a gradual slow down. He came behind me in full speed and tried to swerve, but hit the back corner of my car, sending me crashing against the center divider. The impact was so great that my car over-turn and was totally wrecked and had to write off! I just want to claim back my initial $3K downpayment so that I can quickly buy my next car as I'm in sales line and always on the road. Any advise? The other party has agreed to claim liability for my accident. If I sue the other party for negligence driving will it help my claim? I understand that write off, insurance will only cover the loss difference based on current market value, but I want back my downpayment to start buying a new car all over again! I really don't know how to go about it.
You are not owed the down payment plus the current market value of the car.
Then you would end up getting paid more than the car is worth - that puts you in a better position after the loss than before. No court is going to do that.
The other driver (or their insurance on their behalf) only owes you the market value of your car. What you could have reasonably sold it for prior to the loss given it's age, mileage, condition, options.
When you purchased the car -the down payment was considered in the value of the car. If you paid too much for the car---- that's your fault.
But even if you paid fair market value on the car when you bought it......cars depreciate. So you end up losing that money as the car's value decreases.
If you want to file a claim -- call his insurance company and report the loss to them. They will walk you through the process.
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