/adv/ is dead so made thread here
So i was involved in a car accident today for the first time. I was stopped yielding to a school bus that had flashing red lights and a stop sign on the bus out. 3-5 seconds later this mexican with his wife rear end me and implode my whole trunk up my ass. I have full coverage insurance and am still paying this car off. tow truck driver says car is totaled.
Who is at fault here?
What happens if mr mexico has no insurance?
How fucked am I?
depends on the state for all of those questions
You are paying for it. The beaner is in the wrong, but has no insurance and will disappear.
I'm in California
You were stopping for a school bus. It's the fault of the retard that hit you.
Hes at fault you had to yield for the school bus, if he doesnt have insurance that's not your problem its your insurance companies problem. Your insurance will give you an offer for what they believe your car was worth if it doesnt pay off what you owe don't accept it, you can negotiate these things.
was it just one or two lanes on your side?
only one
Yeah that's gonna be tricky hopefully i can break even
>only one
ok, do you have Uninsured Motorist Coverage (UMC) /Underinsured Motorist Coverage (UIM) on your policy?
>Who is at fault here?
Mr. Mexico is.
>What happens if mr mexico has no insurance?
Your full coverage will pay, the depreciated value of the car. You can ruin their credit with a civil suit payout, and that is always a laugh.
>How fucked am I?
Somewhat fucked if they have no liability insurance.