I was sitting at a stoplight maybe 4-5 cars behind the front of the line when I noticed a small black car in my rear view mirror. At the time, it was still back far enough that it had plenty of time to stop, but for some reason I kept my eye on it. It must have been going about 45 mph when I realized it was not going to stop in time. I braced for impact but it seemed like time stood still. I knew it was going to hit, but it felt like it took a minute or two between me preparing to get hit, and it actually happening. Very strange. Almost as if it were a bullet instead of a car I could have dodged it.
Anyways, it slammed me pretty good but my '05 F250 crew cab didn't budge an inch!
I pulled up onto the curb so's not to block traffic. I get out of my truck, walk to the rear, and what do I see.......hardly any damage to my truck! There's a few scrapes, and a medium sized dent on the right side of the bumper, but that's it. No damage to my tailgate or the tail lights.
I walked over to the car that hit me, and the thing is completely totaled. It was a 1992 Toyota Camry. Now, my truck is at stock height but even so, the bottom of my rear bumper just cleared the top of the Camry's front bumper. That caused the cars hood to fold in half like a piece of paper, and nearly smash up against the windshield. The radiator was pushed so hard into the motor that I'm pretty sure the motor came loose and slammed into the firewall. There was antifreeze and debris all over the road.
The driver was.......you guessed it, a 16 year old girl and her (also) 16 year old friend! She had just gotten the car, and it was her first time driving without her parents with. I don't think she stopped crying and apologizing once during the whole ordeal. Of course the car is in her parents name, and they only have liability on it, so it's a total loss for them.
The girl had called her parents to come pick her up, and I talked with her father when they showed up. He was a pretty cool guy, but he had asked me not to notify his insurance until I get an estimate on my damage to see if maybe he could pay for it out of pocket.
This all happened yesterday afternoon, and at the time I didn't feel any whiplash effects, but later that day, and all day today my upper back and neck has been hurting pretty badly.
This is my first accident in 12 years of driving, so I have no experience in how to handle a situation like this. I didn't make any phone calls yesterday. Today I made an appointment to the Chiropracter for tomorrow, and then called my insurance company to file a claim. As it stands after talking with them, their claiming I have to pay my deductible plus Chiropracter fees, and eventually after my insurance settles with the girls parents insurance, I'll get reimbursed. They said that can take months though.
To me this is complete BS. I was the one that was hit. I shouldn't be paying a dime out of pocket. Her parents insurance should be covering my truck repair, plus medical fees, correct? Even though I filed a claim with my insurance, should I call her parents insurance company myself to settle this, or is it too late?
If anyone has any wisdom to share I'd really appreciate it.
I'm sorry to regret I don't have any pictures of the Toyota, but I can upload a picture of my damage if anyone wants to see it?