Navigating the Aftermath of a Drunk Driving Accident: What Are Your Options?
Unexpected Car Loss Due to Drunk Driving — What You Need to Know
Recently, I experienced a heartbreaking incident that left me without transportation and facing significant financial challenges. After returning home from work and parking my vehicle, an intoxicated driver collided with the rear of my car, destroying the entire back end.
Living in Minnesota, I heavily rely on my vehicle for daily work commitments, especially since I deliver wedding cakes, which makes this situation even more difficult to bear. The intoxicated driver was arrested, but since then, I’ve encountered numerous hurdles. His insurance provider, The General, refused to engage with me, while my insurer, State Farm, has been somewhat more cooperative.
The crux of the issue is that insurance coverage only reimbursed approximately 75% of my car’s current market value. Consequently, I’m left with roughly $4,000 remaining on my car loan — a figure I can’t comfortably cover. I hadn’t purchased gap insurance initially, which would have helped in this scenario.
This situation raises questions about fairness and options: Am I responsible for such a hefty balance on a vehicle I no longer possess? Unfortunately, I cannot afford to replace my car right now, and my job depends greatly on having reliable transportation.
If you’re facing similar circumstances or have advice, I’d appreciate your insights. Are there any avenues I haven’t explored, or am I left at a loss?
Update:
After some feedback, I realize I misspoke earlier. Insurance is actually covering the current cash value of the vehicle. But does having new tires increase that value? I’m unsure.
Thank you all for your support and guidance.
