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  • #1

    Doing Stupid Things

    I crashed into a tree this morning.

    I just drove from Houston to Austin at 5 am with 2.5 hours of sleep and not nearly enough caffeine to see Obama speak (and see my peeps for the rest of the weekend). Not the best of ideas, of course. So at some point, I spaced out for a second, drove into a muddy median, panicked, lost control of the car, skidded off the highway and access road, and the side of my car crashed into a tree. What can I say, I'm Asian.

    Pretty miraculously, I'm totally unscathed. Despite the impact basically occurring a foot in front of my door. But my car probably needs several thousand dollars in repairs (according to the tow truck dude). Quite a bit more than the car is worth. So, my question is, how do insurance companies assess the value of the car? Is it simply the blue book suggested retail value (the Kelley Blue Book website also mentions a trade-in value and a private party value)? Do they have to give me the full value (minus the deductible)?

    A month ago, I dislocated my kneecap indirectly due to campaigning for a Congressional candidate.

    Politics are trying to impoverish and kill me.
    "Beware of the man who works hard to learn something, learns it, and finds himself no wiser than before. He is full of murderous resentment of people who are ignorant without having come by their ignorance the hard way. "
    -Bokonon
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  • #2
    You went through all that, for HIM?


    Glad you're ok.
    Life is not measured by the number of breaths you take, but by the moments that take your breath away.
    "Hating America is something best left to Mobius. He is an expert Yank hater.
    He also hates Texans and Australians, he does diversify." ~ Braindead

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    • #3
      I just burnt my left index finger on an omelet frying pan.
      "The issue is there are still many people out there that use religion as a crutch for bigotry and hate. Like Ben."
      Ben Kenobi: "That means I'm doing something right. "

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      • #4
        Thanks, Sloww.

        And I missed the speech.
        "Beware of the man who works hard to learn something, learns it, and finds himself no wiser than before. He is full of murderous resentment of people who are ignorant without having come by their ignorance the hard way. "
        -Bokonon

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        • #5
          On top of everything else. He should have sent a driver for you.
          Life is not measured by the number of breaths you take, but by the moments that take your breath away.
          "Hating America is something best left to Mobius. He is an expert Yank hater.
          He also hates Texans and Australians, he does diversify." ~ Braindead

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          • #6
            The insurance company will give you the value of your car according to the red book (maybe blue in the US) and no more, or the amount of damage. Always the lesser of the 2.

            Spec.
            -Never argue with an idiot; He will bring you down to his level and beat you with experience.

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            • #7
              Argh.

              The important thing is of course that you didn't hurt yourself or other road users in the process. Whether you want to remember it as "doing something stupid" or having had a rather unexpected stroke of luck under the circumstances, well that's open to one's personal mood, I suppose.

              And good luck with the insurance thing.

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              • #8
                Glad you're okay, Omar.
                Christianity: The belief that a cosmic Jewish Zombie who was his own father can make you live forever if you symbolically eat his flesh and telepathically tell him you accept him as your master, so he can remove an evil force from your soul that is present in humanity because a rib-woman was convinced by a talking snake to eat from a magical tree...

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                • #9
                  I, also, am glad you are OK

                  it is really bad to drive without sleep.. I have done so, and am lucky that similiar or worse haven't happened to me

                  JM
                  Jon Miller-
                  I AM.CANADIAN
                  GENERATION 35: The first time you see this, copy it into your sig on any forum and add 1 to the generation. Social experiment.

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                  • #10
                    I'm the type of person who can't sleep sitting upright. Good, because I drove accross most of Texas and half of New Mexico on 1 hour of sleep.

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                    • #11
                      the insurance comapany will give you the blue book value of the car, if the repairs will cost more then the value of it. However you have the option to take the blue book value and offer to buy the car back at maybe a lesser rate and take any moneies left to try and repair it ur self. Most of the time it is better to just take the blue book value and search for another car.
                      When you find yourself arguing with an idiot, you might want to rethink who the idiot really is.
                      "It can't rain all the time"-Eric Draven
                      Being dyslexic is hard work. I don't even try anymore.

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                      • #12
                        Or don't tell the insurance company (they will raise your rates). And eat the cost yourself.

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                        • #13
                          Originally posted by chegitz guevara
                          Glad you're okay, Omar.
                          Omar? What's his origin?
                          "I realise I hold the key to freedom,
                          I cannot let my life be ruled by threads" The Web Frogs
                          Middle East!

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                          • #14
                            Is driving without sleep considered to be of dubious virtue in the States, like drink-driving?

                            After a high-profile multiple-fatality accident in the UK a few years ago, it's considered to be something best avoided.

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                            • #15
                              What was the name of the Bogart film about this?

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