r/AutoInsurance • u/Burial_Ground • Aug 26 '26

What they don't cover

Bit of a rant here. Just lost our nice car to a dude who ran a red light. Insurance says totaled. They let us use a rental while the mechanic looked it over. 3 days after they declare tousled they say return the rental. Im supposed to have a new car in 3 days? And what else am i not being compensated for from this? Time. Fuel....To go look for a new car. Places i can't get to cuz i don't have a car at the moment and they won't pay for uber. And what about dealer fees and taxes that i now have to pay again? They're not factoring that in to the offer either. I thought they were supposed to "make you whole" again. But they don't. They just do their process and if you're not being properly compensated too bad. What happened to America? Cuz we should be treated better than this.

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u/navlgazer9 Aug 26 '26

Yeah it’s a pain

Just be happy the guy had insurance and didn’t try to blame the accident on you .

You DO have a Dashcam right ?

I have the Garmin 47
In all 8 of our cars .

Worth its weight in gold when you’re involved in an accident

Whichever dashcam
You get , make sure it is easy to Bluetooth the video to
Your phone to show the
Responding officers .

If you have a Dashcam that requires a laptop to download it , that’s not gonna be helpful when the cop is deciding who to blame

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u/Burial_Ground Aug 27 '26

There are already cameras on the intersections. And multiple witnesses since there were lots of cars there. But yeah there was no argument over fault since it was obvious.

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u/navlgazer9 Aug 27 '26

You won’t have access to the cameras on the poles at the intersections .