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51 Posts
This morning, I was heading to an IDPA gun match when a young guy, driving on a suspended license, with no insurance or tag, ran a stoplight going 50-60mph. I didn't see him until the last second and basically PLOWED into him doing 50mph myself--I didn't have enough time to brake or turn at all hardly. The entire front end of my car is smashed, bumper gone, radiator pushed back to where it's touching the air-intake tube. Air-bag saved my face/body very well--I don't think my seat-belt was on, as I'd just pulled out of a store and (I think) I was putting it on when it happened). The dashboard is so low beneath the steering wheel that I did suffer bad leg cuts/bruises. People/paramedics all thought both legs/shins were broken--turns out one has a hairline fracture, the other, nothing; though one shin was swollen bigger than a tangerine under the skin. I also have some neck-pain, but that's to be expected in a 50mph head-on crash I'd think. Overall, my X really pulled through well--it crushed in a bit, but was still running when I fell out onto the pavement and began limping to the side of the road--the other driver was trying to crank his vehicle and leave the scene, but couldn't get it cranked (when people approached him, he locked his doors and kept trying to crank his car!!).
All I can do now is pray that on Monday Mike Shad Nissan of Orange Park Florida will tell me it's NOT totalled. IF IT IS, then I have no GAP insurance and owe 20K and will only receive 16K for a two-week old X with 1400 miled on it. If it's NOT totalled, I'll only owe all my deductibles ($500+) and 20% of medical bills. Meanwhile, the kid walked scott-free (well, with three tickets).
Question: IF it's not totalled, and I want to get a shrock-works bumper put on it (as that's probably the same price as a Nissan bumper/grill/fog-lamp assembly/etc), what should I tell the Nissan people and/or USAA? What parts do I tell them to leave off in their repair and will USAA pay for a cheaper-but-stronger aftermarket bumper...(even if it's more, I'll throw in a few hundred dollars)?
All I can do now is pray that on Monday Mike Shad Nissan of Orange Park Florida will tell me it's NOT totalled. IF IT IS, then I have no GAP insurance and owe 20K and will only receive 16K for a two-week old X with 1400 miled on it. If it's NOT totalled, I'll only owe all my deductibles ($500+) and 20% of medical bills. Meanwhile, the kid walked scott-free (well, with three tickets).
Question: IF it's not totalled, and I want to get a shrock-works bumper put on it (as that's probably the same price as a Nissan bumper/grill/fog-lamp assembly/etc), what should I tell the Nissan people and/or USAA? What parts do I tell them to leave off in their repair and will USAA pay for a cheaper-but-stronger aftermarket bumper...(even if it's more, I'll throw in a few hundred dollars)?