Can't say enough about maximum limits on vehicle insurance.  Hate paying the extra dough but anything above and beyond the minimum and they will come after anything you own for the difference.

I got in a minor accident that was my fault (tired and went straight at a left green arrow) the lady looked right at the logo on my truck and hit me broadside.  Both of us from a dead stop to mid intersection.  Yet, somehow despite no injuries on-site and damage we both drove away from she still managed to think it worth 300k.  Her husband was not as bad; He only went for 15k for wait for it.......... Loss of Conjunctive Relationship.  Needless to say she got damages and a few bucks for a chiropractor.  luckily my insurance company managed to keep the payoff under my limits.

BTW she was deposed before I was and I felt fairly confident after my attorney informed me it was not going to end up costing me any money.  Why did I feel so confident?  He was laughing about how well her mouth worked when he deposed her.

Moral of the story?  Buy as much as you can afford.  If you assets, buy insurance for your insurance.  There is always someone somewhere looking for a free ride. 

Quote from: DexterMorgan on April 10, 2014, 06:32:19 PM
100%. She was cited, I was not.

From what I understand, I can file a claim against her insurance company for $1000 maximum.  I know it is my fault for thinking I had collision and I didn't. Just sucks big time. :/

You are the claimant, he company MUST return your vehicle to pre accident condition. Get in contact with them as well and see if you can't get a legal referral. Let her company know you're seeking legal damages. Keep a record of all calls and get first and last names.

That makes no sense.  Her fault, her liability, she pays.

Quote from: DexterMorgan on April 10, 2014, 06:32:19 PM
100%. She was cited, I was not.

From what I understand, I can file a claim against her insurance company for $1000 maximum.  I know it is my fault for thinking I had collision and I didn't. Just sucks big time. :/

Uhh, yeah. You don't need collision if she's at fault. Her insurance has to fix your car to the same condition it was in before she wrecked it. Do not accept any money from her insurance company yet. They will try to get you to as that will close the case.

I got backed into in a parking lot.

I didn't even call my insurance co. 

First call I made, besides the police (they tried to drive away) was to their insurance co.

They hadn't reported the accident yet, so I had to wait for the ins. co. to corroborate my story with their customer, and then they took care of everything.

God my luck sucks.  MI is a no fault state. So my insurance pays for my damages and here covers her (and my deductible). Boo

Call the dept of insurance.

NY is a no fault state as well.

Her insurance still has to pay.

No fault has nothing to do with your collision claim.  She is liable.

I just feel like i am getting jerked around here.  I wish i knew more about this or could talk to someone who would tell me an honest answer.

Red Baron- Dept of Insurance?  Of MI?

Quote from: DexterMorgan on April 11, 2014, 09:07:37 PM
I just feel like i am getting jerked around here.  I wish i knew more about this or could talk to someone who would tell me an honest answer.

Red Baron- Dept of Insurance?  Of MI?

Yes, of Michigan. You are indeed getting jerked around. Are you in the Detroit area?i can try to have one of my local colleagues assist you.

Yes sir I am. About 40 mins north of Detroit. Pm me if you need more details. I can use all the help I can get.   :/

Quote from: DexterMorgan on April 12, 2014, 04:17:59 PM
Yes sir I am. About 40 mins north of Detroit. Pm me if you need more details. I can use all the help I can get.   :/

pm sent

Quote from: DexterMorgan on April 10, 2014, 06:32:19 PM
100%. She was cited, I was not.

From what I understand, I can file a claim against her insurance company for $1000 maximum.  I know it is my fault for thinking I had collision and I didn't. Just sucks big time. :/

What you understand isn't correct.
Her insurance company owes you the full amount it takes to bring your truck back to the condition it was in before you hit her.
There is no deductible amount for you in this accident.

Whomever it is that is feeding you this information is lying to you, in order to keep more money in their pocket.

If it's the repair shop, find another repair shop.
If it's her insurance company, then you need to tell them that you are about to contact a lawyer, in order to get the amount you are due, unless they change their tune, immediately.
Oh, and mention that your neck, back, and shoulders have been stiff and sore since the second day after the accident, and you're about to start seeing a chiropractor, a masseuse, and your doctor due to the accident. That will make them work things out a lot quicker.

BC.

Well, well, when it comes to automobile insurance the state of Michigan is FUKED up.

http://www.michiganautolaw.com/no-fault/mini-tort/faqs

Adam,

It's true, all you can collect is $1,000. Sorry to hear that. If I can help, let me know.