[BigEvan1923]

Originally Posted by JJacksonIII

If you were behind the line, and therefore not in traffic, then the other motorist crossed the line to hit you. That is really all that would matter. Not potential speeding or the parked pickup truck. Your pictures indicate that had the driver not hit you, who claims to have been behind the line, then they surly would have hit the parked car in your picture. And if they were speeding and barley clipped you sitting behind the line, then it's miraculous that they didn't also hit that parked car. If I'm the other driver's insurance agent, I'm going to claim that you had to have poked your nose out from behind a large obstruction right into traffic and right in front of their client's car, with no time for their client to react. If they were truly speeding, they wouldn't have been able to swerve around the parked pickup truck, over the line and clip you without then plowing into the parked car.

He merged from left to right but remind me to hire you for the next CSI.

[Chi6488]

That will probably be about 2k damage according to cops who fill out reports.

Then the insurance customer has a fit when their insurance carrier pays for the damage at 41k.

Moral of this scenario. Cops know some laws but not body work for vehicle damages

[streborx]

I agree the pickup truck owner is guilty of nothing more than illegal parking. Where I live, the local government plants bushes and erects other visual obstructions in the median and on corners at intersections. It's up to drivers to exercise extreme caution. Maybe they do this on purpose so drivers actually stop for red lights and signs.

[Saejin]

Sucks this happened to you. I was involved in an accident a few months ago, was rear ended, and just got my X7 back last month after a month sitting in the shop being repaired. Since the at fault driver got a citation his insurance took full responsibility.
X7 was only 3 months old. Took one month to order initial parts such as bumper cover and tailgate, then another month in the shop for repairs and paint. Looks good as new now.

In your case it’s hard to say what the insurance companies will do. Did the caravan driver get a citation? If not, then may be hard to put any fault on him. The F150 driver, well, he’s gone and didn’t really do anything except illegally park, so putting any blame on him for the accident may be difficult.

I wouldn’t want this on my insurance record given the amount of damage, so you may have to take it to court or something to determine fault.

Insurance company of the caravan may even say it was your fault. Caravan had the right of way and you were entering the intersection. I know you said the caravan was speeding, but if they didn’t get a citation driver could say he wasn’t speeding.

Well, glad you are your family are safe. The X7 can be repaired. Hope you get this all worked out.

[JJacksonIII]

Originally Posted by BigEvan1923

He merged from left to right but remind me to hire you for the next CSI.

I'm totally aware that I am coming across as a bit of an A-hole, but it was due to your CSI nature of explaining the accident. Including crime scene photos and a digital reenactment of what happened. And the whole thing was concocted to put blame on all others. I was just following your lead.

[EWL5]

Originally Posted by JJacksonIII

I'm totally aware that I am coming across as a bit of an A-hole, but it was due to your CSI nature of explaining the accident. Including crime scene photos and a digital reenactment of what happened. And the whole thing was concocted to put blame on all others. I was just following your lead.

Very often, we are given opportunities to show our character. Perhaps an anonymous forum may not be the best platform to demonstrate this. I chose instead to emphasize w/ BigEvan1923's situation, putting myself in his shoes. How often have we been put into an "impossible" situation where the result is you screaming at the sky, "F*ck my life"?

Yes, the pickup is not liable for any of the damage resulting from the accident. It doesn't make the situation any less frustrating!

[BigEvan1923]

Originally Posted by JJacksonIII

I'm totally aware that I am coming across as a bit of an A-hole, but it was due to your CSI nature of explaining the accident. Including crime scene photos and a digital reenactment of what happened. And the whole thing was concocted to put blame on all others. I was just following your lead.

all good, im just frustrated with the situation - I take responsibility for my presence at the scene, it just hurts that cautious driving and normal behavior still netted a nasty outcome.

[BigEvan1923]

Originally Posted by EWL5

Very often, we are given opportunities to show our character. Perhaps an anonymous forum may not be the best platform to demonstrate this. I chose instead to emphasize w/ BigEvan1923's situation, putting myself in his shoes. How often have we been put into an "impossible" situation where the result is you screaming at the sky, "F*ck my life"?

Yes, the pickup is not liable for any of the damage resulting from the accident. It doesn't make the situation any less frustrating!

appreciate you - frustrating is the word - thanks for commiserating!

[BigEvan1923]

The saga is over. Fortunately I was found not at fault and the body shop (one of two bmw certified repair shops on Long Island) did an incredible job. If you’ve ever got work to do Bradan coachworks is fantastic and they OEM-spec verify all the work/calibration with Habberstad.

[EWL5]

Great to see that you got the car back!

If I'm not mistaken, doesn't NY have no-fault insurance?

[Orient330iNYC]

Originally Posted by EWL5

Great to see that you got the car back!

If I'm not mistaken, doesn't NY have no-fault insurance?

no fault insurance is misunderstood...

So let’s start with a basic definition: no-fault insurance, sometimes referred to as personal injury protection insurance (PIP), can help cover you and your passengers’ medical expenses and loss of income in the event of a covered accident, regardless of who is found at fault.

believe me, insurance absolutely determines and assigns fault, even in NY.

[BigEvan1923]

Originally Posted by Orient330iNYC

no fault insurance is misunderstood...

So let’s start with a basic definition: no-fault insurance, sometimes referred to as personal injury protection insurance (PIP), can help cover you and your passengers’ medical expenses and loss of income in the event of a covered accident, regardless of who is found at fault.

believe me, insurance absolutely determines and assigns fault, even in NY.

Yep! I was just about to reply with this. At first they just assumed I was at fault given the nature of the accident, then I sent the drive recorder footage from the car and was found not at fault. The hit to my premium would have been insane!

[Saejin]

Glad it’s all worked out. Did you or are you going to file a diminished value claim?

[sharp]

I'm glad everything worked out really well for you. You also found a great body shop which is a good bonus.

[BigEvan1923]

Originally Posted by Saejin

Glad it’s all worked out. Did you or are you going to file a diminished value claim?

Thank you! How does that work on a lease. Haven’t researched it much so pardon my ignorance.

[Saejin]

Originally Posted by BigEvan1923

Thank you! How does that work on a lease. Haven’t researched it much so pardon my ignorance.

Not sure on a lease or if you can even do it on a lease since you don’t own the vehicle. When I did mine I had to provide a copy of the title to the insurance company.

You start the process by notifying the at-fault insurance company that you want to file a diminished value claim. For me, they just requested a bunch of documents like title, repair bills, service history. Then they came up with a value to offer me. It was negotiable of course, so I countered and we eventually came to a number that worked for me.

[BigEvan1923]

Originally Posted by Saejin

Not sure on a lease or if you can even do it on a lease since you don’t own the vehicle. When I did mine I had to provide a copy of the title to the insurance company.

You start the process by notifying the at-fault insurance company that you want to file a diminished value claim. For me, they just requested a bunch of documents like title, repair bills, service history. Then they came up with a value to offer me. It was negotiable of course, so I countered and we eventually came to a number that worked for me.

thank you!