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Car is a goner. Sorry for your loss.

Some years ago when I took my driving lessons I had an amazing instructor. He wanted me to stop behind the other vehicle that I could see the tires of that car. His explanation was, if car rearends me it would be that driver's fault, if car rearends me and my car hits car in front of me that would be my fault. That what your insurance thinks as well.
Get well, get over it and move on.
 

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When my 2005 X was totaled in 2019, All State gave me 5500 for the loss of my vehicle. The other guy was at fault, however I retained a private Personal Injury Lawyer (not a big Law Firm), due to the fact that I fractured my right knee and it caused a lot issues with work, family life and most likely on going issues as I age. My medical bills were payed. I received a nice little settlement, which I purchased a 2015 Pro 4X with only 45,000 miles. So you should look into getting a personal injury Lawyer or just a consultation of what your rights are.
 

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State Farm. They are returning calls but not accepting liability until the police report is accessible and that might take "two or more weeks". Which is BS. The driver admitted fault and the driver of the truck I hit stated several times that I had stopped prior to hitting him. I believe the kid may have lawyered up, and I don't necessarily blame him.
That's standard operations with insurance companies. There's no way they will even start processing the claim without a police report, even tho the offending party admitted fault (which is great for you). Unfortunately things just don't run that quickly.
 

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Discussion Starter · #25 ·
I consulted with a local Personal Injury Lawyer. After a brief discussion with my wife, I decided to hire him. I'm not looking to "get paid" so much as I just need someone who's skilled in personal injuries/insurance companies to handle it so I can focus on my health.


Car is a goner. Sorry for your loss.

Some years ago when I took my driving lessons I had an amazing instructor. He wanted me to stop behind the other vehicle that I could see the tires of that car. His explanation was, if car rearends me it would be that driver's fault, if car rearends me and my car hits car in front of me that would be my fault. That what your insurance thinks as well.
Get well, get over it and move on.
I've been through the motorcycle safety course, advanced rider course, and EVOC. I drive with the expectation that everyone is out to kill me. I was stopped over a car length from the vehicle in front of me with my foot pushing the brake pedal to the floor (I was expecting the hit). Still made little difference.

The TBI specialist that I was referred to said that studies have proven that a frame-to-frame hit can propel the impacted vehicle 2.5 times or more than the speed of the impacting vehicle.

And with that, I have to limit my screen time so I am signing off. Thanks, everyone for the advice and comments. They have been very helpful.
 

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I consulted with a local Personal Injury Lawyer. After a brief discussion with my wife, I decided to hire him. I'm not looking to "get paid" so much as I just need someone who's skilled in personal injuries/insurance companies to handle it so I can focus on my health.




I've been through the motorcycle safety course, advanced rider course, and EVOC. I drive with the expectation that everyone is out to kill me. I was stopped over a car length from the vehicle in front of me with my foot pushing the brake pedal to the floor (I was expecting the hit). Still made little difference.

The TBI specialist that I was referred to said that studies have proven that a frame-to-frame hit can propel the impacted vehicle 2.5 times or more than the speed of the impacting vehicle.

And with that, I have to limit my screen time so I am signing off. Thanks, everyone for the advice and comments. They have been very helpful.
This is very true, the forces involved are shocking to say the least and not what most people would expect.
 

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I've been through the motorcycle safety course, advanced rider course, and EVOC. I drive with the expectation that everyone is out to kill me. I was stopped over a car length from the vehicle in front of me with my foot pushing the brake pedal to the floor (I was expecting the hit). Still made little difference.

The TBI specialist that I was referred to said that studies have proven that a frame-to-frame hit can propel the impacted vehicle 2.5 times or more than the speed of the impacting vehicle.

And with that, I have to limit my screen time so I am signing off. Thanks, everyone for the advice and comments. They have been very helpful.
You know, I understand that maybe my comment had a bad timing and I would not said anything else but your snarky comment made me change my mind.

I took defensive driving coarse and refresher coarse during my driving years. The biggest mistake IS to hold break with your foot. The best is to put car in Neutral gear as it helps to avoid or minimise knee injuries, the problem with that that accidents happen really fast and usually inexperienced drivers don't have time to react but you sew it coming. If it is freeway you should keep one car length per every10 miles of speed. Just saying.
 

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You know, I understand that maybe my comment had a bad timing and I would not said anything else but your snarky comment made me change my mind.

I took defensive driving coarse and refresher coarse during my driving years. The biggest mistake IS to hold break with your foot. The best is to put car in Neutral gear as it helps to avoid or minimise knee injuries, the problem with that that accidents happen really fast and usually inexperienced drivers don't have time to react but you sew it coming. If it is freeway you should keep one car length per every10 miles of speed. Just saying.
Good information.
Even if he was a car length away from the car in front of him an especially with his foot off the brake he would still have hit the car in front of him. Getting hit at 40 mph especially in the Xterra he had no chance.
 

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Discussion Starter · #29 ·
You know, I understand that maybe my comment had a bad timing and I would not said anything else but your snarky comment made me change my mind.

I took defensive driving coarse and refresher coarse during my driving years. The biggest mistake IS to hold break with your foot. The best is to put car in Neutral gear as it helps to avoid or minimise knee injuries, the problem with that that accidents happen really fast and usually inexperienced drivers don't have time to react but you sew it coming. If it is freeway you should keep one car length per every10 miles of speed. Just saying.
My apologies if you perceived any snark in my comment. It was sincerely not my intent.

However, I take issue with your blanket anti-braking stance.

The rebound forces from not braking could increase the severity of whiplash/TBI as well as total loss of control of the vehicle, even with the most experienced defensive driver. Perhaps if I were in a scenario of a low-speed impact where there was no risk of being pushed into oncoming traffic, confluent traffic, pedestrian traffic, or a stopped vehicle in front of me, lifting the brakes might have been a viable option. But in my scenario, braking - even at the risk of ankle, knee, hip injuries - was the best option as it would typically allow the crumple zones to perform as designed. Except that my trailer hitch matched perfectly with the impact vehicle's bumper.

Again sincerely, my original reply (or this one) is not intended to be snarky.
 

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The biggest mistake IS to hold break with your foot. The best is to put car in Neutral gear as it helps to avoid or minimise knee injuries,
How is holding the brake a mistake? Are you advocating that it's better to let your vehicle launch into the car in front of you with zero resistance? That makes no sense. Also, how does putting it in neutral make any difference in getting rear ended? I don't see any way that you're minimizing knee injuries by shifting to neutral.
 

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Insurance adjuster here. When searching for comps make sure it is the exact same trim level and year model. Mileage needs to be as close as possible. The comps need to be in the area too. I get people all the time wanting me to compare a 4WD top trim level to their 2wd base trim. Also if there are several examples similar and going for what insurance offered, a few more expensive ones won't trump. Meaning for example, I had to total an Accord. We offered him 21K. There were about a dozen going between 19K and 22k. He found 2 going for 24K. We didn't change since there several going in the range we offered. Also a lot of people think we owe for the next car. We owe for the car that was totaled. So if yours had a trashed interior, hail damage, missing trim pieces etc, yeah the offer is going to be less than a similar one sitting on a dealer lot but without damage or missing pieces.
 

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Discussion Starter · #33 ·
Insurance adjuster here. When searching for comps make sure it is the exact same trim level and year model. Mileage needs to be as close as possible. The comps need to be in the area too. I get people all the time wanting me to compare a 4WD top trim level to their 2wd base trim. Also if there are several examples similar and going for what insurance offered, a few more expensive ones won't trump. Meaning for example, I had to total an Accord. We offered him 21K. There were about a dozen going between 19K and 22k. He found 2 going for 24K. We didn't change since there several going in the range we offered. Also a lot of people think we owe for the next car. We owe for the car that was totaled. So if yours had a trashed interior, hail damage, missing trim pieces etc, yeah the offer is going to be less than a similar one sitting on a dealer lot but without damage or missing pieces.
The comps in the area from range about $9,200 - $11,900, with the average around 10K. NADA is $10,500 on a clean 2011 Xterra so I am going to push for that.

Despite it not being officially totaled, I purchased a 2016 Pro 4X Luxury with 55K miles from the same dealer/salesman back home (about four hours away) that I purchased the Xterra from. Since I can't drive, they delivered it yesterday afternoon. If insurance doesn't total the Xterra (I'd be shocked), I'll take the check and eventually rebuild it myself.

137809
 

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Sorry to see this happen. Hard to imagine that Xterra isn't a total loss even without frame damage but good to see you were not injured any worse than what you were. Any accident where a car is totaled and you live to tell about it is not a bad outcome in the grand scheme of things. Wishing you a speedy recovery and favorable outcome with your insurance company.
 

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Sucks to see you lose the X. Nice replacement Fronty though!
And damn glad you are ok and have retained some legal help.

I was t-boned by a red light runner in an old Ford pickup 20 years or so ago. Seriously crushed the driver side of our car and pushed us 20 feet. I had to be pulled out the back through the pass side rear door. Truck barely looked hit. Same with that Camero in your wreck. Blows my mind that the front end isn’t folded in at all… Crazy compared to your damage.
We got lucky with girlfriend’s insurance, as the Ford driver was uninsured. All medical bills paid, etc.
(Yeah, I was driving her car…….o_O)

Take the time you need to recover. My shoulder was (is) never the same after that one.
 
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Discussion Starter · #37 ·
I don't buy it, lol. Your truck is f'd and that camaro is completely drivable.
It's insane. Granted, the Camaro's impact bar was touching the radiator - I feel like there is likely damage to the frame rails as it shortened the impact bar, but I'll probably never know.

It just sucks all the way around.
 

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Discussion Starter · #38 ·
Sorry to see this happen. Hard to imagine that Xterra isn't a total loss even without frame damage but good to see you were not injured any worse than what you were. Any accident where a car is totaled and you live to tell about it is not a bad outcome in the grand scheme of things. Wishing you a speedy recovery and favorable outcome with your insurance company.
Thank you for the kind comments, Badlander.
 

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Discussion Starter · #39 ·
Sucks to see you lose the X. Nice replacement Fronty though!
And damn glad you are ok and have retained some legal help.

I was t-boned by a red light runner in an old Ford pickup 20 years or so ago. Seriously crushed the driver side of our car and pushed us 20 feet. I had to be pulled out the back through the pass side rear door. Truck barely looked hit. Same with that Camero in your wreck. Blows my mind that the front end isn’t folded in at all… Crazy compared to your damage.
We got lucky with girlfriend’s insurance, as the Ford driver was uninsured. All medical bills paid, etc.
(Yeah, I was driving her car…….o_O)

Take the time you need to recover. My shoulder was (is) never the same after that one.
Thanks, MartinX. Sounds like a terrible hit that you took. I was a firefighter for a few years in the early '00s. Just in that short period of time, I cannot count the extractions that I was part of. My daughter and I are very blessed to walk away without being severely injured. Had we been in her Civic, or my wife's Maxima, things could have been different.


Now that I am 50 with pre-existing spinal injuries, I am going to take a very patient road to recovery, where I like it or not.
 

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Love the truck.

I've actually considered looking for a nice Frontier with the hope that a new body style would provide for a good deal on the latter.
 
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