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Posted by Jen on July 12, 2001 at 06:22:59:

This is my first experience in dealing with an insurance claim, and I'm not sure what will happen. I've been looking everywhere for advice!

A week ago, I was rear-ended by a car going 40 MPH, which pushed me into the car in front of me (I was stopped at a red light; the person behind just didn't stop). I have been in and out of the hospital, and beginning therapy. I'm lucky just to be alive. my car is completely destroyed - I took it to two shops to get estimates, and both places told me that it is "unestimatable", that the damage is so great that there is no way it can be fixed.

Besides the fact that I was only a year away from paying it off, I just had over $2,000 of mechanical work done on it, including a new transmission, less than 2 months ago.

The blue book value of the car is only $3000, but the same vehicles with the same mileage are going for $5000 and up through private sales around here. Is it too far fetched for me to expect to get at least $5000 out of it, for the settlement? What about the new transmission and engine work I just had done? That car would have lasted me many more years. Is there any way I could get some type of reimbursement for that? And now, I will have to buy a new car...how will I do that? My credit stinks now. Can I get the insurance company to help? After all, I wouldnt have to worry about it, had their client not hit me!
Thanks for any advice. The claims adjuster is supposed to come out and look at my car in 4 days, after he returns from vacation.

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