Dealing with Car Insurance Claim
At noon Saturday my DH called me at home. He'd been broadsided at a 3-way stop in the center of our town. He was entering the intersection from the non-stop side. A 17-year-old evidently didn't realize this was not a 4-way stop and hit our car just behind the driver's side door. She wasn't going fast -- had just accelerated from her stop, but the side of our car is a 'piece of sculpture' -- the reverse-print of her SUV.
I called the police to the scene and hitched a ride into town (3-minutes).DH had the police report. I had notified State Farm, where the agent said it would be a while until their claim would be official. I climbed over the car's console from the passenger side and drove DH to the ER. Nothing broken; big swelling on his left side below the shoulder blade. He's sore this morning.
We got home after 5 p.m. I called State Farm again to get the claim number. They said I could choose my own body shop or go to one they work with -- gave me three names in our area. I failed to ask about a loaner. I'm uncomfortable driving our car and I can't lock it because the driver's side door is jammed slightly open. This morning I emailed our local agent, asking about a loaner and recommendations on repair shops. I said I would want the car checked by a Jaguar dealer before considering it 'repaired'. I'd prefer that someone tow our car in for repairs if it has to go far. Nearest Jaguar dealer is 25 miles away in Chicago.
Any advice on what to expect next? Our 2005 Jaguar X-Type has 22K miles on it. We bought it from a dealer with 2700 miles. Cars.com says book value is about $10,500. My online search finds only three Jaguar X-Types with under 30K miles -- none of them a VDP, fully loaded. Two are 2005's and one is a 2007. (I'm wondering if State Farm is going to want to pay for repairs, offer us cash to go buy another car, or try to replace ours with 'same'.)
I'm glad DH is not badly hurt, and I think the car can be repaired, but I am a bit 'rattled'. It's been many years since we had to deal with an accident or a claim.
Thanks for 'listening'!