Im 16 and i just got in a car wreck and totalled my car and now im totally depressed. anyone know some advice
Take driving lessons
What to do if you car is totaled because of the engine?
Well Valerie; you are in a pickle. First off I do want to agree that one can not see the timing belt while doing standard, under-the-hood maintenance. Second: I wanted to make sure that the engine undergoes severe damage when the timing belt breaks on your car (some cars do - some don’t). I found that, yes indeed, that engine is toast. During this rudimentary research, I found that a lot of people were experiencing the same problem. Most car manufacturers recommend routine belt replacement at around 75,000 miles. It appears Kia recommends at 60,000. And, I found a lot of blown engines. More odd still, is that some of them were breaking timing belts before the 60,000 mile mark. Now Kia knows that the engine is zero tolerant for valve clearance if the belt breaks. That’s why they recommend the belt be changed sooner than most. But, it seems that is still a problem. I am rambling - the reason I’m explaining all this is to lead you to the service bulletin. This is a sort of silent recall the manufacturer puts out regarding design and engineering problems. Sometimes you can get repairs and replacements free of charge, even if you are not the original owner. I found one specific to your car and problem. You are on your own to pursue it further. Here is the information you need to get started. Engine: ENGINE AND ENGINE COOLING:ENGINE:GASOLINE:BELTS AND ASSOCIATED PULLEYS Service Bulletin Number: 82 NHTSA Number: 10015272 Model Years Affected: 2001, 2002, 2003, 2004, 2005 Date of Bulletin: 07/2005 Bulletin Summary: IMPROVED TIMING BELTS FOR THE KIA RIO AND OPTIMA.
My car is totaled?
I got into a bad accident yesterday and my car is unfixable and totaled sitting at the pound. The other driver hit me and he made me hit two more cars. Long story short I'm still making payments on my car , so what's exactly going to happen now ? What will happen with my payments and my insurance? I have about $13,000 left to pay off my car ( now I'm without a car and still with a big car note) ... wI'll I get any help from my insurance or the bank ?
My son totaled my car. How should I punish him?
Yesterday I picked up a young lady who needed a ride to work. She couldn't drive because she had a DUI. As a consequence, her father took away her car. Not only did she lose her driving priviledges but she also had to take some courses. Plus, work two jobs in order to recover financially. Luckily she was regretful and she still loves her father. Bottom line, whatever you do, do it with love.
My car was totalled, now what? Am I gonna get screwed over by insurance companies?
I was in a car accident yesterday. The State Trooper said it was the other drivers fault and 4 witnesses made statements verifying that. My car is fully paid for. The other driver and I are both fully insured. My car is totalled. I was transported to hospital by ambulance but I have no injuries, just very sore. What can I expect through the insurance companies? My blue book value on my 2015 Honda Civic coupe is 11K to 15k. I missed one day of work and school. I also had medically authorized window tintiing(meaning darker than NC law says you can have) on my car that cost 1k . How screwed am I as far as not getting much money to buy another car?
Car accident -Car is "totaled" by Ins. Co. Now what?
Something is very fishy. A 2005 Prius with 12000 miles on it has a retail book value of $26050. according to Kelly Blue Book. A 2006 with less than say 2500 miles would be at least that and more. The $17500 estimate by the adjuster is less than the industry 85% standard for a total. Not knowing the items damaged on your car, I am sure that the adjuster has put a notation on the estimate that there will most likely be additional damage found if repairs are done that will push the repairs over the 85% figure. Assuming that to be the case, then the very least that the adjuster should be offering you is in the neighborhood of $22800. as a settlement value on the car. Since the 2005 is still valued at $26050 in excellent condtion then a 2 month old 2006 should book at at least the same. Very good arguement to demand full replacement. PERIOD. Contact a good accident attorney (one that is not affraid to go for the jugular) and ask him to write a letter to the company indicating that it is a demand for payment of the full value of the car. Additionally, have him write a letter to the insurance company of the person that hit you. Same type of letter -- demand for immediate replacement. If your insurance company does not want to cough up the full price let them know that you are very internet savvy and will spread the news that they are a lousy company that do not do right by their insureds. The same goes for the insurance company of the person that hit you. Then really get serious. Have your attorney set in motion an action against the person that hit you freezing all of his assets. Real Estate, other autos, any personal property and liquid assets, retirement accounts and bank accounts. If ANYONE WAS HURT!!! Go for the jugular. DO WAIT FOR THE TWO INSURANCE COMPANIES TO DO A PATTY PATTY BEHIND YOUR BACK. And turn your attorney loose.
How is it that someone rear ends you, your car is totaled & the person hit ends up with nothing?
Great answer from Ralph Mitchell.I just want to add that this is a problem many people encounter who have lovingly looked after their car. Low mileage, well maintained, beautiful paintwork. Spotless inside. Probably not a popular car. Older with a low trade-in value.It's best to take the insurance pay out, buy the car as scrap and get it repaired by a little shop round the corner that doesn't have the overheads of a regular concessionary.
I got a ticket for no insurance, but now the car is totaled. what should I do?
The fact that your car has been totaled only affects the need for insurance in the future. Obviously, without a car, you do not need insurance. However, it has absolutely no bearing on the citation you already received for driving without insurance. You will still have to attend whatever court date(s) you were assigned for that citation.When you appear in court, the judge may ask you if you have acquired insurance for your car yet? That would be a good time to tell the judge that you no longer have the car and you no longer need insurance for it. The judge may ask what happened to the car, so explain how the car was totaled. If you crashed the car while driving it after getting your no-insurance citation, the judge may not have much sympathy for you.If you live in a State which requires insurance for all cars on the road, you may be facing a mandatory minimum fine amount. In Illinois, the minimum fine for driving without insurance is $500. That's they minimum, mind you. The judge may decide to fine a higher amount, up to the maximum allowed by your local law.
Car accident, not at fault but my car is totaled, what happens now?
A truck crashed into me because he failed to yield at a left turn and was found at fault by the police. I have liability and he has Farmers insurance. Both my mom and I were taken to the hospital, I have a broken arm and my mom is in trauma for broken legs, wrists and ribs... My car is also totaled and is in the impound (I had barely bought new tires for it 3 days ago)! What will his insurance cover? What could be the worst case scenario?
What happens if my 3 months old car gets totaled?
If your car is totaled, the insurance company will replace the current market value of the car.This means even if you paid $25,000 for it 3 months ago, if the market value is only $21,000, that is all you get.What does this mean for you?Let's assume you've paid $1,000 towards the price of the vehicle. You still owe $24,000. Subtract the $21,000 from the insurance, and you still owe $3,000 on the loan.This means you have to make payments on a car you don't even have anymore.The solution:Purchase Gap insurance.Gap insurance was designed for this exact reason. It will cover the remaining balance, should your car be totaled and you owe more than it's worth. Otherwise known as Negative Equity.If you don't have Gap insurance and don't plan on purchasing it, the best course of action is to pay ahead.Bring your loan balance below the current market value of your car, otherwise known as Positive Equity.Not only is this good in case of this specific scenario, but it will help you pay off your vehicle faster.It doesn't have to be much, but every bit counts.Let's say your car payment is $375. Even if you just round it up to $400, this can save you a significant amount of money in interest over the course of the loan.There will be no downside; you will end up with positive equity, save money in the long-term, and pay off your car quicker.