Rapid Unscheduled Disassembly of Rear End

This 100%

 

Agreed. I was recently hit by a dipshit taxi driver. This was in New York where he's only required to carry $10k in insurance, but the damage was like $13k. My insurance company covered the full amount and is recovering whatever they can from the other guy's insurance.

 

10k? No way. I would think that because a cab is commercial it would require a much higher coverage. NYC? Or upstate?

 

NYC. It made me angry. $10k is nothing for repairs, especially fora new car.

 

Pretty sure they carry much higher insurance than that.

https://www.dfs.ny.gov/insurance/og...ll owners,person and $300,000 per occurrence.

 

Quick google search.

In New York City, taxi cabs must have a minimum of $100,000 in liability coverage per person and $300,000 in total coverage per occurrence. This coverage is set by the New York City Taxi and Limousine Commission (TLC).

Private, unlicensed cabs, also known as "gypsy cabs", do not have to meet the TLC's minimum liability insurance requirements.

 

PROPERTY damage minimum is $10,000.
PERSONAL liability is a different matter.

 

YES you are correct PROPERTY damage is 10,000 that’s why I noted PRIVATE unlicensed cabs also.

 

Damn that’s some fucked up shit. If a cab takes out a bus stop (one of those windowed in jobbies) that at least 10k.

 

Also do gypsy cabs even still exist there? Don’t the outer borough cabs have to be some teal color?

 

I don't want to derail this thread any more, but there is a difference between property damage and personal injury. For example: They only need to cover $10k of the damage to my truck but if I had been injured then they would need to cover $100k of my medical bills.

Back to the original topic .. If her insurance company isn't making you whole then get your own insurance company involved. They will likely pay out what is fair and then go after her insurance for whatever they can get. No need for you to fight with them.

 

It’s important to remember that the adjuster doesn’t declare anything. They make an opening offer in negotiations.

My 99 was “totaled” and they offered me $6500 for it. After fighting back with comps they changed the value to $11,600 and paid to fix it because it wasn’t totaled.

insurance is a negotiation, so you can counter.

 

I rest my case.

 

I've been there too. A lost out-of-towner in a rental stopped quickly in front of me. I stopped but the fella following me didn't. $11,000 CAD in repairs. The bed shifted and the receiver bent but the frame was fine. This was 2023 and the new receiver took four months to arrive.

 

That giant owl/quail looks concerning

 

Good eye.

 

That's Hootie. He's plastic.