Truck lost its load next to me - what would you do?

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Driveitlikeuboughtit

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Another update - my insurance company was able to get in contact with the truck driver and she acknowledged it all. She gave her insurance info and now I potentially don't have to pay a deductible.
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CTRFK8

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Another update - my insurance company was able to get in contact with the truck driver and she acknowledged it all. She gave her insurance info and now I potentially don't have to pay a deductible.
So it WAS her fault thats why you wouldnt need to pay a deductible. Make sure you get a rental and all parts fix/repainted. All that coming out of her insurance company. It was her fault theu didnt strap whatever it was on correctly. It busted open and could of done serious harm.

Can I neglect tying down a couch correctly, driving in and out of traffic going 80mph? Couch flies out n does some serious damage. Someone sure as heck is at fault here.

The comment about "like hail". If your insurance company told you that at first and now somehow saying other party was at fault, somethings off.

In a accident, always stay calm, exchange insurance information. If minor, see if both party can agree on repair without reporting it to insureamce company.
 
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JayDiem

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Driveitlikeuboughtit

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So it WAS her fault thats why you wouldnt need to pay a deductible. Make sure you get a rental and all parts fix/repainted. All that coming out of her insurance company. It was her fault theu didnt strap whatever it was on correctly. It busted open and could of done serious harm.

Can I neglect tying down a couch correctly, driving in and out of traffic going 80mph? Couch flies out n does some serious damage. Someone sure as heck is at fault here.

The comment about "like hail". If your insurance company told you that at first and now somehow saying other party was at fault, somethings off.

In a accident, always stay calm, exchange insurance information. If minor, see if both party can agree on repair without reporting it to insureamce company.
In theory, she is at fault.

However, as my insurance explained to me, if she just denies it ever happened it would be hard to prove that it did in fact happen and prove her liability in court. It becomes he said she said and at that point, it's like hail in that it will get fixed and I'm not at fault.
 

SCOPESYS

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In theory, she is at fault.

However, as my insurance explained to me, if she just denies it ever happened it would be hard to prove that it did in fact happen and prove her liability in court. It becomes he said she said and at that point, it's like hail in that it will get fixed and I'm not at fault.
That's when a Dash Cam starts to really pay for itself !!!

Driveitlikeuboughtit said: ↑
Another update - my insurance company was able to get in contact with the truck driver and she acknowledged it all. She gave her insurance info and now I potentially don't have to pay a deductible.
But it is amazing to see these days, someone actually taking responsibility for their mistakes, so while she messed up, I do respect her for being honest and admitting that it was her fault. :thumbsup:
 
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tinyman392

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In theory, she is at fault.

However, as my insurance explained to me, if she just denies it ever happened it would be hard to prove that it did in fact happen and prove her liability in court. It becomes he said she said and at that point, it's like hail in that it will get fixed and I'm not at fault.
Did you get a picture of the fridge and the unsecured load on the truck? Possibly her putting the fridge back onto the truck (if she did that)?

Edit: awesome to see she is being honest about the damage :D Awesome to hear.
 

CTRFK8

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You would think when something like that happens name, insurance, and pictures taken right at the scene. You would have more evidence of what happened. Glad she admit to what happened but if she didn't and denies the incident. You can speak to a lawyer, counter sue for the time, stress, money spent on the matter.
 

Robotaz

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Fuck it. I'd be more pissed off about a door ding. I would take it to a body shop to have them detail everything that bothers me but probably not go through insurance personally.
Find yourself a good paintless dent repair shop and it’ll set you free. I always worried about dings, until my wife’s brand new car got $3500 in hail damage. They not only got every single dent out, but also got out a couple I noticed from the factory/dealer. My shop will perfectly remove dings for $50. I just don’t worry about it anymore. It’s liberating to say the least.
 

Zatannaz

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She should pay for it of course. Why would you have any money come out of your pocket? That’s her responsibility.


I was cruising down the interstate at ~70 mph and I noticed a lifted truck driving like an asshole in my rearview. It had a cabinet/fridge strapped in the bed - standing up tall above the cab but with giant straps on top. When I see guys with loads like this, I usually see them in the right lane going 65 mph. This person was weaving in and out of traffic, trying to pass at 80 mph.

So this truck is the left lane, I'm in the lane next to them. They pass me. Just as they pass me, I see the cabinet/refridgerator/safe/vault whatever it is start to wobble - and then it happened so fast. The second I saw it wobble, I started to press on the brake. The cabinet crumpled and a door came flying off in a shower of what looked like beads - probably shattered plastic or safety glass. Anyways, I react as I can - slow as quickly as I dare (there was traffic behind me) and weave within my lane. I didn't veer off because traffic. I still get *showered* with these bead looking things but I am spared the door hitting me.

The truck pulled over and I pulled over with her. She gave me her info, said the guy she bought this thing from strapped it in and she didn't know what to do and as I didn't see any major dents, I chose to keep going.

Now that I'm home, I see that there are a sprinkling of chips in my paint - mostly the CF lip spoiler (no paint damage but impact marks) and the painted part above it. It's all recent impact damage, I did not have these chips before and they're concentrated on the driver's side, which is the side that got the brunt of the damage. You have to get close to see them, but they're down to the plastic/primer and there are many of them. This picture shows the type of damage best, although it's not limited to that area. All the little white lumps are bits of paint knocked off by impacts.

This is a 1 year old car with 15k miles on it. It's my daily so I am not expecting a garage queen. However, there is now more paint damage on this car than the 5 year old Accord I traded in for it.

Would you bother with insurance and that pain in the ass? Would they even care? Since it's not my fault, I wouldn't expect a deductible but I halfway expect them to laugh at me for trying to get chips fixed.

Or would you live with it because it would probably happen again anyway? I'm mostly worried about the damage in the clearcoat I can't see that might cause peeling in a few years. Or then again, it might not.

tldr - minor damage from a truck losing it's load next to me - would you bother with insurance or repainting or paint pen and move on?

IMG_20190831_141241.jpg
 

Zatannaz

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Her insurance.should pay for it of course. That’s her responsibility. I’m glad she acknowledged it. However driving 80 mph with that in the back of her truck is very very dangerous. I’m glad you and she were both okay. .
 


CTRFK8

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Your insurance will speak to her insurance company, nothing will come out of your pocket. A adjustor will come out and check out your car, they might recommend a bodyshop or YOU can try to look for one yourself.

The bodyshop will fix and repaint the WHOLE door/fender and any area that needs repair even if its a small dent or 1 1/2inch scrap, they will repaint the WHOLE area/panel and not just the damage part. if damage is only to the clear coat, it just needs a buff but if damage goes through the paint/primer, they'll repaint the whole(hood, fender, bumper, ect).

from what I know...….hehe
 

Donkeyhotay123

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In theory, she is at fault.

However, as my insurance explained to me, if she just denies it ever happened it would be hard to prove that it did in fact happen and prove her liability in court. It becomes he said she said and at that point, it's like hail in that it will get fixed and I'm not at fault.
Time to get a dash cam. I got one after an infuriating time with insurance.

They said the dash cam is only good for catching yourself committing traffic violations. Imho its good for recording myself car-karaoke and other drivers doing dumb stuff.
 

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Do follow up. You have damage, and both you and her are fortunate that someone wasn't injured or killed.
She may not have loaded it, but if she does not know any better than to speed and swerve with a load like that she
probably should not be driving.
You are owed whatever an approved body shop requires to restore it to new.
And her insurance should be paying for it, so your deductible is not an issue.

Hopefully you called it in. To her insurer.
 

ez12a

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Thankfully she's honest. But in the future, invest in a dash cam. Saves a lot of hassle in case the other party isn't as honest.

even if she denied it to her insurance...she stopped for a reason, no? I'm assuming you have pictures of her whole setup and the broken glass. But again, a dash cam would help there too.

I have SoCal AAA and never had a hassle dealing with insurance claims.
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