My son's Pinto was written off by someone hitting him head-on on Christmas Eve( (son OK). (Now its in the hands of the insurance company and their appraisers. They state they will figure the payoff is what they would pay for the car if it was sold to them! But I have a gut feeling that I am preparing to do battle with them.
So guys - I know what we paid for it and what its worth but would appreciate your feedback on what a Pinto appreciator would pay to own this!
It is/was: 1978 Pinto Wagon with 59,000 original miles and all documentation (bills/original window sticker etc.,) since the day it was bought in 1978.
It came with the Sport Rallye Package and AC options. The interior was immaculate both upholstery, dash and carpets all original and great shape. the exterior paint wearing thin and some of the chrome on the roof-rack was beginning to look a little pitted. No rust except for a small bit on the rear quarter in front of the wheel arch (which my son intended getting fixed this coming summer).
Funny - that morning before my son left to go to work he said "I love my Pinto, its gonna last me 10 years" he's just 18 1/2 yrs and enjoyed coming to Cruz Nights with us.
Thanks for your input!
first off, let me say welcome to the board! Sorry to hear about the accident, glad your son is ok. Sadly i think you will be very dissapointed at what your insurance company will offer you, they will look in a book and say its worth "suchnsuch" What i would do is take pictures of the car, body, paint, interior, undercarriage and make sure they can see it was in excellent shape before the accident. If you have any reciepts for work done on it (brake job, engine work, ect..) that may help also. Real value is hard to determine as its only worth what someone is willing to pay (to you the car may seem to be worth lets say $2500, to someone else....its a '78 Pinto.....a winter car....worth $200) My advice to you and others reading this post is to have your cars (any car that has more value than book value) professionally appraised, with detailed information on modifications and rebuilding cost...pictures are a must, good quality ones covering every aspect of the car. Next, go to an insurance company with that appraisal and get a price for insurace with the vehicle insured at its appraised value, even if you have to use a classic car insurer (silverwheels) My '78 Pinto coupe is appraised and insured for $13000.00! I only pay $260 a year for this ....but it has limitations. I can't take it to any shopping malls or drive it to work and it can only be taken away with me on holidays (summer) if my vacation consists of some auto related event (car shows, cruise night ect) I could probably never sell my car for $13000.00 unless the right buyer came along, but at least its insured for what i have into it and then some, to me its priceless and if God forbid, i ever wreck it, i know what i'm going to get for it.....with no fight! Good luck to you, i hope you get what its worth. Jeff, Moderator, fordpinto.com
Thanks for your input!!
Yes I do have pics, all you suggest but for the undercarriage
and as I mentioned in the first post - every bill for work on the car since 1978. You are right though, a professional appraiser and insured for replacement would be the way to go. As its 0% my sons fault and 100% the fault of the guy that hit him, our insurance company backed off and said we had to fight ourselves for compensation. I did manage to get the other insurance company to provide and pay for a hire car to get him to work and back again and figure that it will be some 'insurance' for us if they quote us a ridiculous figure for pay-off - i.e. he'll hang on to the hire car until he can find an inspected, low milage car for $200 or whatever the offer is.
NADA put its value (average condition at around $2300) we paid $2K for it plus shipping. Fingers Crossed - appreciate your feedback!
Please let us know what comes of it...i'd like to see what the insurance company says! Jeff
TO ALL WHO READ THIS: make sure your Pinto is appraised and insured for its value, its a tuff pill to swallow if something happens to it and the insurance company won't give you the proper value! I feel this is very important so i will make this a sticky thread to stay at the top, Jeff
So we have the Pay-off value...........
which equates to 32% of its $ value when bought in 1978 and almost 80% of what we paid for the car (2K) in April 2003 (8 months before it was written off).
They will pay off to us $1595 total. They also paid for a hire car which extends to next week i.e. he has transport to go find a low mileage inspected/inspectable car for $1595. Doubtful that we'll find a 59K original mile Pinto Wagon delivered to our driveway for that price!
and they paid the $55 a day ($770) while it was
at the towing place till the appraiser looked at it.
Yes - I was worried that the pay off would be $200-$500 I would have settled at $1750 and at the value they offered it seems pointless to argue over $150.
None of this monetary stuff captures what a Pinto wagon can do to your heart though - the tears were rolling down my face when I saw her being cranked up on the tow truck (Adessa salvage ended up with her - and I see they do parts for classic cars).
So not as bad as I feared BUT he'll have to save
some to get another Pinto! and I think the next time he'll just use it for summer cruz nights and have an every day car to get from A to B.
Thanks for your support guys - I appreciate it!
Jacqui
you didn't do too bad, i'm glad you didn't get lowballed! Take a look in the classifieds tab at the top to see if you can find another car in good shape. Good luck to you!
Sorry to hear about your loss. I went thru a similar thing with my dads wagon a couple years ago. My dad bought the car new in 79. This was his first and only new car. I have had the car for about 10 years now. He lives out of the county most of the time and comes back to visit me once or twice a year. Well during one of his visits, someone pulled out in front of him. He could not stop in time and hit the other person. The pass fender, wheel well molding, headlight bucket, and headlight cover needed to be replaced. The car is in very good condition for its age. It is one of the nicest wagons in my area. The interior is near mint, the paint is very nice but thinning as well and there is zero rust. The car had a little over 100k at the time. The other guys insurance company had me get an estimate. My estimate was around $1500, using all NOS parts. THe adjuster said now way, he would only pay something like $900. TO make a long story short, I ended up getting $1200.00, no salvage title, and I kept the car. I sent the guy pictures of the car, NADA report, adds from the local paper, Ebay sales, and all the receipts I could find. Luckly at the time there were a couple well kept wagons in the local Trader that were asking over 2K for. Needless to say, I got real lucky. The whole experience was an eye opener though.....
Dad's car has so much setimental value to me that I don't think I will ever part with it. Therefore, it is hard for me to put a value on it. In my mind, Dads car is worth $2500 - $3000.
Can't you buy it back from the insurance company? A mint interior is hard to find these days. Good luck...
I to am sorry to hear about your loss. Here in Utah we have a law on the books that if the car (any car) is older than 25 years old it can be considered a classic. Farmers insurance also will insure a car if it's a classic. I agree that its a very good idea to take a lot of pictures. I have been told by a lawyer (when my car got plowed into by some loser) that it doesn't matter what the other guys insurance company tells you to take the car for repairs you can choose where to get your car fixed (if its fixable). Because it was their fault and not yours. I'm sure that there are other things you can do to protect yourself next time. Its stinks to learn to protect ourselves this way.
Where are you located? I'm in NY. My gf's step dad has a '78 wagon with 55,000 miles on it. Car runs mint. I'm not too sure of details though, I've never really expressed any interest into the car. If you'd like I would get more info on it. I know he only drives it like once every 2 weeks.
Eddie
8)eddie, i would be interested in the car. i am in virginia now, where in new york are you? how much would he want for the car? can you email me pics of the car? and any other info on it?
I am going to add to this post about insurance.
I have a very good friend who has a 71 240Z. Who had the insight to have an appraisal done by a specialty insurance company, i do not remember the name off the top of my head. But he has done alot of work to this 71 Z car and it is now appraised at 16,000. It also is a car that he drives, or could, on a daily basis. He jokingly says "Only on sunny days" So, I strongly agree with Jeff. If you believe that your car has more money in it than what an average insurance company will pay if it is destroyed ( I hope not) Then Please, Please, Please have it professionally appraised.
My 2 cents.
Just a nother thought, but if you do get hit, my experience is to buy back the car. had an 80 Gmc "Shorty van" 4.3 auto air etc, cargovan 210,000
miles on it. Toasted by a deal. Hard to find a shorty but anyways insurance offered 3800.00 for van, ( i think cause i had alll the oil change stickers on the door) told them no way, can't find a replacement. How about I buy the van back? they said okay, hows 3000.00 plus the van, I took the money and the van. Insurance required a full body integrity saftey done. I din't have the time so I traded the van to a nieghbour for a wack of carpeting
and I helped with the installation. I'm happy. Rob takes the van, and for about 800.00 in used parts has it back on the road, I was sad. of course
damage time and abilities all come in to play here.
darrel
sorry to here about the heart break :'(! i to had a simmilar thing happen to me but not as bad i was a senior in high school and i just brought my pinto back from the dead and i loved that car and sure enough a pick up was stopped to turn and it was the middle of january in ne snow on the ground and i went to merge lanes to pass him and got cut of and ended up sliding into the back of that pickup. i was heart broken but it gave me more motive to fullfil my dreams and finish what i started and you should see it now it made the front cover of the calender that this web site put together! so i leave you with this take the money you got and sink it into a project pinto that you and your son can acomplish together and you can make one good lookin' pinto!! :)
Here's my story. I received $1200 for my '73 Pinto Sedan from the at fault party's insurance. I was almost stopped for a car wreck on the freeway and was rear-ended at near 60 MPH. I thank God I only got a tweaked back and neck, but nothing real bad. The way the car was built is what saved my life. My car was still running and didn't even lose any glass. Just crumpled the rear real bad. The leaf springs took most of the force, they were shaped like a backwards L (have a Mustang II rear end on it with a 3 inch lift). I have all of my receipts back to 1986. Sent copies of every single one to the insurance (I think it scared them), along with an entire roll of film (I only had Liability). I must admit, my car did not have a pristine interior or body on the exterior (a sleeper I guess). But, I had used my blood, sweat, and tears to keep that baby on the road for 15 years and the engine and entire under carridge and drive train were in excellent condition. I even wrote a letter to the Washington State Insurance Commissioner because the insurance company did not consider my "hourly rate" for repair work to my car, which was probably thousands of dollars. The letter didn't help, but it may have let the insurance know that I was serious. I have put over $10,000 into my car. I bought her back for $25 from the insurance and lost my title. Well, she is scheduled for the body shop and it will be costing me a pretty penny (I don't do body work) but my car is priceless to me. You can BET I will get classic car insurance, but I am going to pay whatever it costs because this is my commuter car. I can definitely understand the heart break, but advise to all, if you love your Pinto, don't let money stop you!!!!!
Here's my insurance story. My wife and I decided to buy a 1970 4 door slant 6 Dodge Dart to keep the miles down on our 76 Pinto. In time I fell in love with the Dart and my wife ended up driving the pinto every day and I would take our Dart. By the way, this Dart was in great condition, looked like it was maybe 5 years old. In fact it was 32 at the time of its death. Origional paint, interior, engine purred, AC still worked. 119,000 MI.
Back to the point. I was entering a highway on ramp that was under cunstruction so there was a yeild sign rather than just speeding up and merging. Since it was rush hour I had to stop and yeild until an opening in traffic came along. Well the guy in the white F150 behind me apparently didnt (A) notice the yeild sign, and (B) notice my gleeming 70 Dart at a dead halt in front of the yeild sign. No, he accelerated until he was about ten feet from my bumper before slamming on his binders and plowing into me, sending me instantly into freeway rush hour traffic at about 40 MPH (police estimate, I say more like 50 MPH).
Somehow, by the grace of god, nobody else hit me (although I heard alot of tires squeeling) and I ended up about 100 feet from the point of impact.
Blah, blah, blah, I relentlessly insisted to the losers insurance company that this wasnt "just some old car" it was a very rare example of a breed that is all but extinks (you know, the granny fresh, non-muscle grocery getters). I showed them picture sof it before, and also dropped some lines about some nagging neck pain.
In the end I got $2,600 for the car - double what we paid ($1,300), and I got to keep the car with a salvage title. I then ebayed the crap out of it, and made over a grand more.
In the end I made out like a bandit, but the truth is I would trade it all back just to have my Dart back.
The real silver lining in all of this is that it wasnt my wife driving the Pinto in the 40 - 50 MPH rear end collision.
Sorry I ramble.
Read a lot of your stories with much chagrin.
It seems a lot of the problem is the cost of body work. My mom had problems with her 93 Subaru -- she was rear ended, and even though the car was repairable, it was "totalled", because body shops charge so much for repairs.
So -- ANY used car you've got, even a 90's model -- if you care about the car you drive, BEWARE. Even a fender bender could "total" your car.
An irony -- a family member got in a wreck with my '66 Fairlane, and it was totalled. I got the money, and with it I bought my 79 Pinto wagon (in 1988). I didn't hold onto my Fairlane, but I definitely am keeping my Pinto!
not just 90's cars either, they tried to total my 2002, over a bumper cover and the styrofoam under it, hood, door skin, a/c radiator, a headlight and paint. I got lucky though, the insurance adjuster unwittingly gave me enough info to draw my own conclusions.
Make friends with a body shop. They were going to total my beloved hyundai if the repairs cost more than 4800 roughly. I got the body shop to value the repairs at less than that amount, and then turn the "revisions" in after the work was already under way. The final cost was over 5800. And i still have the car with a clean title.
There are some other factors, but i fear to put them in print.
Quote from: 78pinto on January 14, 2004, 05:49:36 PM
first off, let me say welcome to the board! Sorry to hear about the accident, glad your son is ok. Sadly i think you will be very dissapointed at what your insurance company will offer you, they will look in a book and say its worth "suchnsuch"  What i would do is take pictures of the car, body, paint, interior, undercarriage and make sure they can see it was in excellent shape before the accident. If you have any reciepts for work done on it (brake job, engine work, ect..) that may help also. Real value is hard to determine as its only worth what someone is willing to pay (to you the car may seem to be worth lets say $2500, to someone else....its a '78 Pinto.....a winter car....worth $200) My advice to you and others reading this post is to have your cars (any car that has more value than book value) professionally appraised, with detailed information on modifications and rebuilding cost...pictures are a must, good quality ones covering every aspect of the car. Next, go to an insurance company with that appraisal and get a price for insurace with the vehicle insured at its appraised value, even if you have to use a classic car insurer (silverwheels) My '78 Pinto coupe is appraised and insured for $13000.00! I only pay $260 a year for this  ....but it has limitations. I can't take it to any shopping malls or drive it to work and it can only be taken away with me on holidays (summer) if my vacation consists of some auto related event (car shows, cruise night ect) I could probably never sell my car for $13000.00 unless the right buyer came along, but at least its insured for what i have into it and then some, to me its priceless and if God forbid, i ever wreck it, i know what i'm going to get for it.....with no fight!  Good luck to you, i hope you get what its worth.  Jeff,  Moderator, fordpinto.com
I just had my Pinto reapraised last week, as there has been many modifications and upgrades since it was done last.......new value sits at $18K i have a bit more than that into it, but i'm happy knowing that if disaster strikes, i'll get most of my money back. I encourage you all to have your beast apraised, and insure it accordingly.
Well
My story is like this some people are gonna find this unbelieveable but here it goes anyway. i had a 78 pony drove the bejesus out of it couldnt kill it. while out christmas shopping in 1998 the car was stolen . that following summer at the county fair i found it. basically stripped in prep for a demo tailights out.,no windows in it,no interior. notified the cops of what was mine. had all the numbers ran and matched and took it home. where the next day they called me and i picked up the rest of it in a pick up truck. this same guy was paralyzed from the waist down in an auto accident that involved the stolen camaro he was driving. i hate to dwell on other peoples misfortune but the thief got what he deserved
Were you able to put it back together???
I have found it easy to ensure I will never be left in the cold in an accident. Here are the steps you should take to ensure you are the same.
1. Take a lot of pictures, inside and out.
2. Get collector or classic plates. They will restrict your joy riding, but will save you in an accident.
3. Get your car appraised at least every 5 years. Values change everyday.
4. Insure your car for at least the appraised value with classic or collectors insurance.
Most insurance companies have a special policy for this.
5. A true american classic like a Pinto is best saved for weekends and joy rides.
I have found all of this out throughout the process of restoring one of the rarest of the Pinto breeds. The 1975 MPG Wagons. I love my car and will do anything to keep it safe. With a search still going strong, I have yet to find a Wagon MPG on the road. If you love your baby as much as me, protect it like a diamond in the rough. The Pinto was the American car of the 70's. Take care and safe driving.
Bryant
Quote from: fast34 on February 09, 2006, 02:58:09 PM
Were you able to put it back together???
yeah it went back together pretty easily. with the exception of the air vent hoses never did find those
... Wow, I thought I was the only one that age who actually will say out loud that I love my Pinto. My husband thinks Im nuts, but I love my Penny, the Pinto, she gets me everywhere!!! Im expecting my first in a few weeks and Im going to take him all over the place in her!!! I hope he likes her as much as I do!
Just to add my two cent's worth.
Us old car lovers are a special breed. An insurance adjuster would likely understand why someone would be interested in a late 60's Mustang, Barracuda or TransAm, but they could never imagine what we could possibly see in a Pinto, a Dart or a Vega.
The Pinto is special to me because I am an old car guy, and a Pinto was my first car back when it was just a used car. I like my cars original, and this one is as original as they get, so to ME (and to very few other people on this planet), it is priceless. To most people outside this group, it is just a piece of junk.
Like 78pinto, I have vintage car insurance on both my antiques. It has all kinds of restrictions (you can't use the car as transportation), but it is very inexpensive. They don't insure the car, they insure the value of the car, and your premium is a percentage of this value. They don't care if it's a Model T, a Pinto or a Super Bee. If it gets damaged, they won't try to fix it. They will just throw money at you, up to a pre-determined amount.
I don't know if this type of insurance is available for daily drivers. If it is not, then you need to consider the following anytime you take the car out: if you are ever in a wreck, or even a small bender with your daily driver vintage car, you are likely S.O.L. with an insurance company. Understand this pulling out of the driveway.
This is to 75Wagonboy, or anyone else who can tell me. What is so rare about the 75 mpg wagon? I drive one every day with 37,000 miles. Pintaro
Insurance is a main concern to me especially when you are sinking a bunch of cash into your vehicle. I would like everyone to consider Hagerty Classic Car Insurance. I have been with them a couple of years now and have absolutely no complaints. I currently have 2 vehicles with them and the pinto is next. They even cover vehicles under active restoration. Everything can be done online.
Here is a link to see if your car qualifies:
http://www.hagerty.com/Auto/vehicle_qualify.aspx
NOTE: They will need a lot of pictures. Cars can not be daily drivers. As far as I know minimum value for consideration to get insured is $5000.
My cars currently covered:
1984 Mazda Rx7 Mariah WideBody
(http://img.photobucket.com/albums/v443/TulsaTurbo/RX7_JB/jb_RX7_001.jpg)
1984 Toyota Corolla Sr5 converted to GTS
(http://img.photobucket.com/albums/v443/TulsaTurbo/86_SR5/sr5_005.jpg)
I have Grundy Classic Car Insurance on my 1977 Ford Mustang Cobra II and it only costs me $128.00 a year. This is for full coverage and an agreed value of $7,000.00. You can find them on the internet. It is an insurance company specifically for older collector cars.
I just joined this site ~~ belong to many other car sites, as I have 13 [thats right threeteen] cars ~~ I clicked onto this section, because I was going to tell about my "Pinto" and how I got it ~~ I will do so in just a moment, but first I had to reply to you and your question
I purchased my pinto about two years ago for $6300.00 and think I stole it at this price ~~ Its a 1973 stag.wag. ~~ all original with 30,000 miles ~~ of course its a four banger, with an automatic trans. and air/cond. ~~ the 2000 engine, talk about cant get out of its own way, this the one
Will start another post and a story of how I got the car, for now I wanted to tell you what I paid, and AGAIN I think I stole it at that price [$6300.00]
Good luck dealing with insurance companys. JIMS PINTO
Quote from: Pinto_Mum on January 16, 2004, 01:58:54 PM
So we have the Pay-off value...........
which equates to 32% of its $ value when bought in 1978 and almost 80% of what we paid for the car (2K) in April 2003 (8 months before it was written off).
They will pay off to us $1595 total. They also paid for a hire car which extends to next week i.e. he has transport to go find a low mileage inspected/inspectable car for $1595. Doubtful that we'll find a 59K original mile Pinto Wagon delivered to our driveway for that price!
and they paid the $55 a day ($770) while it was
at the towing place till the appraiser looked at it.
****************************************************************************************** were you able to get and keep the car ~~ if you have any way to part it out, its worth something that way ~~ Also, I have mine insured [by Haggerty] for $7500.00 and I think thats too low
Holiday best to you, JIMSPINTO
******************************************************************************************
Yes - I was worried that the pay off would be $200-$500 I would have settled at $1750 and at the value they offered it seems pointless to argue over $150.
None of this monetary stuff captures what a Pinto wagon can do to your heart though - the tears were rolling down my face when I saw her being cranked up on the tow truck (Adessa salvage ended up with her - and I see they do parts for classic cars).
So not as bad as I feared BUT he'll have to save
some to get another Pinto! and I think the next time he'll just use it for summer cruz nights and have an every day car to get from A to B.
Thanks for your support guys - I appreciate it!
Jacqui
I also have a MPG wagon ,what's so rare about them... ::) As for the wrecked one's owners It should be able to be repaired...I mean it has not been crushed flat etc..But I can not tell until I see some pictures....Remember the insurance folk's care about a few things money and loss verses risk....
Your 2 cents is worth ten million your so right if you put money into a car to refeb it ,get it appraised!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!the other opt is dont drive it.
Quote from: starkey and hutch on February 27, 2008, 09:41:53 AM
Your 2 cents is worth ten million your so right if you put money into a car to refeb it ,get it appraised!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!the other opt is dont drive it.
That is great for those like me who are planning a Pinto museum.... ;D
Tony, you building a Pinto museum too? Dang you! LOL
Dave
I'm not sure if this will work but whatever the insurance company tells you it is worth (which I'm sure will be lowballed) turn around and hand the check back to them and say "OK if this is a fair price for the car , here replace it with this check you just gave me" . See what they say about that . ;D
hjeefb I totaly agree with but you know not going to happen. My daughter's 73 got nailed in driver's door. Soon as she called that ajuster was coming over I hoped on motorcycle whent to car put my boxing gloves on and whent after that lady. So I would talk my daughter through every time she talked to ins. co. . She ended up with $3800. and I kept the car.
Keep track of everything, Know what it would cost to replace it and try to get it back if at all possible. My car was wrecked in front in 1988, The previous owner's insurance company wanted to total it and give her $300, Since it had sentimental value she persisted and kept it (lucky for me!) She had an independent body shop straighten the frame and replace both fenders, hood, grille and bumper with used parts and paint the car. The drawbacks: it cost her $1800 in 1988 to have the work done with USED parts. it took almost a year for the work to be completed because its "just a Pinto". I drive my car to work and back and to doctors appointments and to the store and not much else, I try to pay attention at all times. I take "back" roads where the speed limit is 40 or less most of the the time, sometimes on the old highways at 55-60 mph but not much faster. I have uninsured motorist insurance, And if something were to happen to my car I would want it back just for the engine and transmission. And the first thing I would do is buy another Pinto.
Last March I was T-boned by a drunk driver at 11:30AM while in my 1980 Pinto Wagon. It WAS a beautiful car, lots of mods on it. It was destroyed and I got a shattered pelvis. The insurance carrier offered $540. I freaked on them. Sent them loads of pictures, receipts, lists of car shows it's been to. Their final offer.... $680. I took it. F**kers. It's a shame.
In Aug. 08 I got my '72 Squire wagon (68,000 orig.) from a yard for $400!! Put some gas in, charged a battery and 6 starts later it fired up! Now I am keeping SERIOUS records of every little thing I have done to the car. Appraisals are good ideas, haven't done that yet, but plan on it.
Luckily insurance companies around WV have a good respect for vintage cars and when my car was wrecked, the offered a good price for the fix and it almost amounted to the full amount required to fix it. In addition, the car was listed on the title for about $400 less than the $1400 damages to the car, but they overlooked that and their adjuster was fair to me because the car was nearly ammaculate and I was at no fault. I was fortunate. Many are not. Keep records and appraisals before something bad happens if it would happen is never a bad idea.
-beegle55
Check out collector car insurance like Haggarty or Grundy. I have my car insured for $10,000.00 with Grundy. No restrictions on how much you can drive it, however it does have to be garaged. It actually cost less to insure with them with 0 deductible than state farm who valued it at $2200.00 and 500 deductable. Not all insurance companys care how much you spend on your car or how well it is documented.
Quote from: discolives78 on September 29, 2008, 11:09:46 PM
.... I have uninsured motorist insurance, And if something were to happen....
Whoooa. Let me share an experience with you all, and hopefully save you from alot of headaches from a misunderstanding.
Back in the day, I had a '78 CobraII, fully restored ~thanx dad~. I carried liability, uninsured, and underinsured. No collision, because if I wreck it...it's MY problem....other than that, Im covered...
Not the case. The car was parked in a lot, and someone T-Boned it. Considered a total loss. The guy who hit it had no insurance. I called my insurance guy and wanted to file a claim on my unisured part of the policy.
THATS when I learned that uninsured and underinsured coveres you only. And by you, that meansyourself....not the car. It only covers medical expence for yourself.
Ended up taking it in the arse on that one. Filed a civil suit, and well....still waiting in line with multiple other debtors...
Just dont want anyone else making MY mistake!
Great thread though! Sorry to hyjack....and will now return to our regular schedled posts! :)