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OFDPOS's avatar
OFDPOS
Explorer
Aug 12, 2016

Dash Cam

If you don't have one GET ONE .

Wish we would have gotten one like we talked about before we did our cross country road trip.
I wouldn't be in the situation we're in.
Traveling on I75 in Georgia speed limit 70 we're in the far right slow lane cc set at 64 mph a semi passed us , just as the truck trailer got passed us the right rear tire blew out taking the mud flap with it.
I hit the brakes and lined up the mud flap best I could to not run over it thinking maybe it took the bracket and bolts with it.
The tread however flew over hit the front bumper around the side hitting the generator door bending it in then flipped up gouging the rear wheel well and side molding then a nice long black mark up the side towards the rear of the MH.
The truck moves over into our lane , turns his flashers on then speeds up , yes speeds up !!

Once I realize we're ok I speed up to catch up to him, the wife takes several pictures of the rear of the truck showing pieces of tire still flinging off , the missing mud flap along with license plate # trailer # then I pulled on up along side the truck she took pictures of the Company name DOT license etc. the driver looked down realizing what we're doing hits the brakes and slows way down.

I move over in front of the truck, seeing a rest stop about a mile ahead thinking he'll follow us in. We passed an exit and at the last second he swerves off the road taking the exit.
We take the rest stop exit google the Comp name.
I call them and got transferred to the dispatch, he said yeah he just got a call from a driver saying he would probably be getting a call from someone driving a MH.

I explained to him what happened and while having me on the line he radios the driver . The driver had the gal to say I was following too close and for me to turn it into my insurance as an act of God.
To say the least my BP jumped about 20 points...

I explained we are in a middle of a trip and that I will have my insurance be in contact with them.
Hung up with him then I called my Insurance and explained everything to them as well, he asked if we were ok and if the MH is drive-able etc, I said yes its all cosmetic damage and can be fixed once we got home.

Trip done I call my insurance they send out an estimator to write one up .
My deductible is higher than what the estimate came to.
So I called the trucking comp and talked with the dispatch guy and now he's asking me about a police report ,witnesses basically blowing me off.

My insurance wants me to pay to have the MH fixed first AND THEN they will try to get me reimbursed from the trucking company.

Saying all this , had we had a DASH CAM the video would have showed exactly what happened...
No dispute from the lying truck driver...

Yeah had I had it to do over I would have called the Georgia Highway patrol and not really sure what that would have accomplished ??? Since no one stopped ... But at least reported it?
  • In case of an accident, I would never willing surrender the dash cams video storage device at the scene. May get misplaced or completely lost or just plain damaged from careless handling. I would make a copy before I even mentioned I had a recording.
  • I'm not a insurance expert, but thanks to good old no fault. Their insurance covers them & yours you. Many people don't give a rats behind what damage they do to you or themselves.

    The only thing the dash cam would have been good for is proof needed for injury claim. But maybe if you had a video you could have sued them for your deductible or your out of pocket expense - if worth getting a lawyer for.

    Possibly if a video was present the cop might have wrote a ticket if any laws were broken.
  • Yep while on the phone my Insurance asked if I contacted the police I said no I had just gotten off the phone with the Trucking Comp. He didn't recommend or further insist I call the police.
    Hard lesson learned !!

    Years ago I was parked in a restaurant parking lot in my Red/White GMC Jimmy . Someone in a MH decided to cut through the parking spaces (instead of going to the end of the lane and come back up . Side swiping my Jimmy I looked around saw the MH walked over to it there was red paint on the side corner and bumper of it . I went inside and asked who owned the MH a guy yelled out he did .
    I asked him to come out outside so I could show him what he did. He refused , so I called the police , they showed up looked it over and said nothing he could do they didn't witness it. But did get the guy to come out , we exchanged Insurance info in front of the police officer...

    Things like that stick in your mind. That was my bad I should have called the police or found out where the nearest police station was along I75 in Georgia...

    I know this tho for sure before I head out again I'll have a Dash Cam and a rear view Cam...
  • I've learned from experience that whenever I have a "road incident", I drive to the nearest police station and fill out a report with as much detail as possible.

    Now there is a record of it and has to be followed up. My Ins. Co advised me to do this as in most accidents/incidents, the facts tend to change with time.
  • When I worked in insurance, this would not have been considered the truck companies liability. A blown tire on any vehicle can have pieces fly and hit your vehicle, same as a rock that is kicked up from a tire. The claim would have been the responsibility of your own insurance minus your deductible. Sorry, but that's how it was in the entire state, not just the company I worked for and I believe most states it would be the same way. State insurance rules & regulations will specify when you can recover from another party. You could check that out to see what it says.

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