Merry friggin' Xmas

[Bront]

You're a frickin' black cat...I'm not standing near you!

Next to him is safe, just don't be in his truck.

Hope your holiday improves.

 

[Bront]

Btw, I have a question about all this actually. I took out a personal loan this past summer, with the car as collateral. If they decide the car is totalled, how will that work?

Most of the time loan companies take out insurance on your car. Well the company I used did (Woot paid off that load this month) You will still have to pay the loan back. Talk to them, keep all the papers you get. MOST people want to help you if you don't feed them a line of BS.

Actualy, insurance is usually your responsability, and if you don't have it, they will often include the insurance cost (usually fairly steep) in the loan at your expense.

Now, hopefully you had comprehensive, and you should be fine. Homeowners insurance may cover it instead however. And, obviously, the logging company should ultimately cover it. But for your loan, it will probably be transfered to your new car in the form of a car loan of some kind.

Glad everyone's safe.

 

[LogicsFate]

Oh! One more thing...

... it fell on my car.

Now that's comedic timing, o and sorry for your loss better luck next year

and by luck I mean good luck, as it seems your already drenched in all the other types

 

[WayneLigon]

If you have those trucks coming through regularly, you and the neighbors might want to go have a little talk with a laywer. (And get Pop to reccommend the guy to go to, it sounds like). Or the city - or whatever - needs to.

 

[Palskane]

Now, hopefully you had comprehensive, and you should be fine. Homeowners insurance may cover it instead however. And, obviously, the logging company should ultimately cover it. But for your loan, it will probably be transfered to your new car in the form of a car loan of some kind.

Oh yes. I have full coverage. Comprehensive, collision...

The logging company is supposed to take care of everything. I shouldn't even have to pay the deductible. The more I think about it, the more it looks like they might total the car. I only have one caveat about them fixing it. If it won't drive the same, or they can't fix it back to truly be the way it used to, I'd rather them not fix it at all. I'll be very upset if they spend a bunch of time to fix it, then I always end up having problems with it from here on out.

 

[Psychic Warrior]

A little note about the last pic: the pole hit the car so hard the numbers on the plate that identify the pole... those are what is in the pic. As well as a distorted reflection of some guy.

So, once again, Merry F'in Christmas!

Sweet Jebus! I have never seen anything like that! It would have cut you in two if you had been anywhere near it. Merry F'ing Christmas indeed.

 

[Palskane]

Yeah. I think the number might actually have been on the transformer. From what we can tell, the pole hit closer to the roof of the car. The transformer had broken free from the pole and was what hit the front fender.

I just hope I don't end up getting a raw deal with this. When I bought the car, I bought it outright. Then, I got the personal loan about a year after I got the car. They didn't loan me much, not even the value of the car. So, my payment on the loan is only about $160 a month.

If they total the car, I should be put back into a position that is equitable to what I was in before. A car with about the same mileage, that I "own", and with the same payment. At least, that's what I think should happen.

I've already looked online, and the value for the car varies wildly. I've checked Kelly Blue Book, and the NADA sites. Depending on trade-in value, or retail value, the car varies anywhere from a little over $5000 to $8900. I paid about $9700 when I bought it. I'm guessing that if they total it I'll only get the least value given for the car. Which puts me in a bad spot because I can't buy the same car for that.

 

[Rel]

If they total the car, I should be put back into a position that is equitable to what I was in before. A car with about the same mileage, that I "own", and with the same payment. At least, that's what I think should happen.

I've already looked online, and the value for the car varies wildly. I've checked Kelly Blue Book, and the NADA sites. Depending on trade-in value, or retail value, the car varies anywhere from a little over $5000 to $8900. I paid about $9700 when I bought it. I'm guessing that if they total it I'll only get the least value given for the car. Which puts me in a bad spot because I can't buy the same car for that.

My advice is, for the next 48 hours, try to stop thinking about it. The one thing you KNOW for ABSOLUTE CERTAIN is that they're not going to resolve this on Christmas or the day after. Try and relax and enjoy things. There will be plenty of time to haggle over that kind of stuff in a few days.