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Thank you very much for your advice. I also apologize for the late reply.
I have an update for you on my situation. I finally received a call from that lady I was waiting on. She told me that she had spoke to both the gentleman who hit me, and his insurance company. They came to a settlement, and are blaming me for 50% of the accident because I was backing up. They agreed that the other guy was simply not paying attention, and that I was backing up. That's the BS conclusion these people came to, when it sure as hell was not like that at all. I asked her if she read the police report, because in it, it clearly states that the gentleman not only admitted it was his fault, but he also admitted to 'SPEEDING in a parking lot'. She then tells me she has not read the police report, but she would be happy to take a look at it. I was told to get 2 price quotes, and get back to them. Paul, I'm sure as hell not going to pay for damages to my car when it was 100% (since these people like talking percentages) someone else's fault. I went ahead and gave a call to the officer on the scene to ask how I can get a copy of the police report, but he wasn't there so I ended up speaking to someone else. The lady I spoke to told me the report is waiting supervisor approval, and that it should be ready in about 2 weeks (I'll of course be calling back in one).
My question to you is, at this point, should I settle for the low ball offer from the insurance company's? Or should I pursue this knowing it wasn't my fault, and the police report will also back me up on that? My other question is, should I feel pressured in looking for the price quotes, or should I put it off till everyone gets to have a look at the police report?
PS: I apologize for bothering you with this again. I just really have no one to go to about it, and the one's I do, seem to be on the other gentlemen's side, including my own damn insurance company. So I really appreciate your advice.
So I just wanted to give you an update on my situation. Well I wen't out and got my first estimate yesterday, and I'm setting up an appointment for the second.
The first place came to a total of $10,000, with the parts and materials alone being $4,500. I honestly cant imagine my second estimate being any cheaper. I spoke to the lady representing the state, and she told me how it works. Basically, I go out and get two estimates. Then they take the lower of the two estimates (go figure) and cover 50% of that.
My question to you is, do you think they will cover half of the $10,000? Or only half of the $4,500 (parts and material), and leave me to pay the other half ($2,250) plus the $5,000 of labor? If so, I'm seriously gonna cry Lol.
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