Beyond morals test

[Tik-Tok]

I know what I'm doing, but I'm curious what the rest of Beyond would do.

Say you're in a not-at-fault accident, in which you were re-ended while you were hard braking to avoid hitting a 3rd party (who was driving stupidly), and the 3rd party drove away not even noticing the accident. You're vehicle sustained major sheet-metal damage (no frame, or mechanical), so resell value is hurt (even though you don't really care), and you received minor whiplash from the accident, which did inhibit a few of your normal activities, but not your working life, for 5 months. More of an inconvenience than anything, and you suspect you won't have long term physical pain.

Would you sue the other person for soft tissue damage money, or not?

[Super_Geo]

If the other person is insured, you're suing their insurance company.
Fair game, play on!

[lasimmon]

How is this even a question?

[firebane]

Its not always about the short term, but the long term

[max_boost]

It ain't personal so don't make it so.

[ercchry]

There is a cap, it’s like $6k or something. Easy conversation with the adjuster. If you feel wrong about it... well, you probably haven’t had many of these types of injuries yet. But you could look at it as compensation for the vehicle resale, cause that’s much harder to get cash for

[spike98]

As long as you suffer a loss in any way, i would be suing for damages equal to the loss. That could mean, loss due to depreciated value of the vehicle, time missed off work and medical expenses for sure. That said, when (not if) the insurance offers a settlement amount in short order, i would likely take it. A full lawsuit can drag on and last for years. Unless there was some serious long term injuries, i would take the settlement and move on.

[D'z Nutz]

Stop avoiding me Tik-Tok! I'm going to find you and get what's owed to me!

[Xtrema]

Regardless how it happens, you got rear-ended, you get paid. Period.

It could be a rabbit, a squirrel or a dumb ass driver or pedestrian.

Also soft tissue is $6K per human in the vehicle.

[BerserkerCatSplat]

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If the other person is insured, you're suing their insurance company.
Fair game, play on!

This. That's what mandatory liability insurance is for.

[Tik-Tok]

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Stop avoiding me Tik-Tok! I'm going to find you and get what's owed to me!

I thought we were even after you uppercut me?

[jltabot]

If it did inhibit some of your work, I hope you got treatment for that ASAP. Really hard to tell further down the road when an old injury will creep up. Simply put, sue, claim, collect, move on.

[lilmira]

It’s 50/50.

[D'z Nutz]

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I thought we were even after you uppercut me?

Your strong, chiselled jaw hurt my hand too.

Joking aside, you might not be seriously injured now, but you never know what might come down the line as a result of this initial injury.

[nzwasp]

If there is a 6K cap on these types of injuries how come the claims for this type of car related injury takes a year to be resolved - atleast thats what the insurance company told me when I had an accident with someone else. We both said the other was at fault. Insurance company determined I was at fault then day after the other party sued for soft tissue injury and the adjuster told me it would be a year before they settle that, although according to him he told me I was just being informed, I wouldnt be informed of the settlement. And also pissed me off because the other party got out of the car (was a 5kph speed accident) and appeared completely normal straight after the accident.

[Mitsu3000gt]

You said it affected you negatively in some of your normal activities for ~5 months, and you will not be able to get the same value for your car when you sell it now that it has a claim against it - absolutely I would try get the money. It's their insurance that will pay, not them personally. It's capped for a reason - because it's fairly easy to get and hard to prove.

I rear ended a giant truck with a huge steel bumper at less than 5km/h before, literally zero damage to his vehicle, ~$9K damage to my S4 at the time (mostly headlight assemblies which were ~$3k Each). He was 100% fine and was more concerned about the damage to MY car than I was. A year or more later I got a call from my insurance company saying he was trying to sue for injuries, and they just wanted my recollection of events - nothing ever came of it that I know of, but they don't tell you regardless. Can't blame him for trying, I hope he got something personally.

[ganesh]

I was rear ended twice. Never sued the other driver for any physical damages.
First time the vehicle was written off. I had a stiff back for number of days and a little bit of lower back pain. Nothing serious.
I didn't think it is fair for me to sue them. That's just me.

[nzwasp]

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You said it affected you negatively in some of your normal activities for ~5 months, and you will not be able to get the same value for your car when you sell it now that it has a claim against it - absolutely I would try get the money. It's their insurance that will pay, not them personally. It's capped for a reason - because it's fairly easy to get and hard to prove.

I rear ended a giant truck with a huge steel bumper at less than 5km/h before, literally zero damage to his vehicle, ~$9K damage to my S4 at the time (mostly headlight assemblies which were ~$3k Each). He was 100% fine and was more concerned about the damage to MY car than I was. A year or more later I got a call from my insurance company saying he was trying to sue for injuries, and they just wanted my recollection of events - nothing ever came of it that I know of, but they don't tell you regardless. Can't blame him for trying, I hope he got something personally.

I had never had an accident in Canada before this last one and was shocked when they told me they would sue. I think more because in New Zealand no one ever sues you even if you have major injuries in a car accident. If you are injured the government pays up and everyone pays an accident injury premium every time they pay income tax.

[Mitsu3000gt]

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I had never had an accident in Canada before this last one and was shocked when they told me they would sue. I think more because in New Zealand no one ever sues you even if you have major injuries in a car accident. If you are injured the government pays up and everyone pays an accident injury premium every time they pay income tax.

That's an interesting way to do it. Then you have places like Russia where people would throw themselves in front of cars, or hammer the brakes to cause an accident to get insurance payout, which is why everyone has dashcams there haha.

[BavarianBeast]

Nah, I'm not a bitch and I don't need the money. Why make somebody else suffer.