mayasmommy
New member
About a month ago, my DH and I brought an incredible new car. I never dreamed I would have a car like this. But the stars aligned perfectly and we were able to buy a 2012 Infiniti QX.
Then last night, I was driving, with the two kids, and my inlaws in the car, and I stopped short to avoid hitting the car in front of me that had stopped short, and the person behind me stopped a little less short than needed. And he hit the back of my car.
Really, the car is built like a Sherman Tank. I didn't even feel the impact, I just heard it. I am pretty sure that the only reason that there is damage in because I have a tow hitch in the back, and he has something sticking out from his bumper. He was driving a small Ford Pickup. There is a small dent on the bumper of my car. Of course, it all needs to be repaired, but thankfully, no one was hurt, and the damage was minimal.
Anyway, my question, of course is about replacing the car seats. The other guy's insurance covers $5000 in liability. And, I am thinking labor and parts to repair a brand spankin new QX is going to be pricey. If the damage is over $5000, they basically said that I would have to go through my own insurance company to get further coverage, and then my insurance company would essentially have to sue them. I have a $1000 deductible, not to mention how much my premium would go up. So not sure this is the best option for us.
IF, the cost of damage plus new car seats is below $5000 then 100% I would get new car seats.
My question is, let's say there is $5000 damage to the car. It wouldn't make sense to contact my insurance company, bec the cost of the car seats would be under my deductible, and my premuim would increase. In that case, I would need to pay for the car seats, or I guess I could call the gentleman from the accident and ask him to cover them.
But my question is, let's say the car seats are not covered, and I am responsible for buying new ones. It is absolutely necessary to replace them? I didn't even feel the car move. I didn't even lurch forward. The car didn't even move forward. It is a super heavy car, and for that I am thankful.
What do you guys think? I know it may be a moot point, as it most likely will get covered, but just wondering what you guys think.
thanks.
By the way, the kids were awesome. They were realy troopers. Oh, and today is DS's birthday, he is 2!! (he was RFing in his BLVD, and DD was FF in her Radian in the third row).
Then last night, I was driving, with the two kids, and my inlaws in the car, and I stopped short to avoid hitting the car in front of me that had stopped short, and the person behind me stopped a little less short than needed. And he hit the back of my car.
Really, the car is built like a Sherman Tank. I didn't even feel the impact, I just heard it. I am pretty sure that the only reason that there is damage in because I have a tow hitch in the back, and he has something sticking out from his bumper. He was driving a small Ford Pickup. There is a small dent on the bumper of my car. Of course, it all needs to be repaired, but thankfully, no one was hurt, and the damage was minimal.
Anyway, my question, of course is about replacing the car seats. The other guy's insurance covers $5000 in liability. And, I am thinking labor and parts to repair a brand spankin new QX is going to be pricey. If the damage is over $5000, they basically said that I would have to go through my own insurance company to get further coverage, and then my insurance company would essentially have to sue them. I have a $1000 deductible, not to mention how much my premium would go up. So not sure this is the best option for us.
IF, the cost of damage plus new car seats is below $5000 then 100% I would get new car seats.
My question is, let's say there is $5000 damage to the car. It wouldn't make sense to contact my insurance company, bec the cost of the car seats would be under my deductible, and my premuim would increase. In that case, I would need to pay for the car seats, or I guess I could call the gentleman from the accident and ask him to cover them.
But my question is, let's say the car seats are not covered, and I am responsible for buying new ones. It is absolutely necessary to replace them? I didn't even feel the car move. I didn't even lurch forward. The car didn't even move forward. It is a super heavy car, and for that I am thankful.
What do you guys think? I know it may be a moot point, as it most likely will get covered, but just wondering what you guys think.
thanks.
By the way, the kids were awesome. They were realy troopers. Oh, and today is DS's birthday, he is 2!! (he was RFing in his BLVD, and DD was FF in her Radian in the third row).