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Last night, on my way driving home from the gym, I was incredibly tempted to pick up my cellphone and text.
Seriously, we need to get off the phone, not eat, not do makeup, not surf the radio - just drive.
Sorry, drinking and driving and texting a driving are “soap box” areas of mine! Whenever I am driving and notice a car going 30 miles under or over the posted speed limit and weaving from one lane to another I am certain it is another caller or texter waiting for a major accident. Although there is no statewide ban on cell phone use, there are some strict laws at the local and county level in Montana. Yes, even if a state does not have a specific law against hand-held phones, many can still get you on a related charge, such as distracted driving, unsafe operation of a motor vehicle, etc. The only difference is that those charges may be slightly easier to fight in court, since they’re more subjective.
You can call some salvage or wrecking yards in your area and ask what they are willing to pay you for the totaled car.
I had just gotten a couple of messages, and I was sitting stopped at a traffic light – what’s the harm, right?
But remember, more teenagers will die this year from texting behind the wheel than from drunk driving.

How did we survive that 30 minute drive to work without calling 3 people, sending a text “I saw a deer today” or any of that!?!? Yes the state of Florida has finally enacted a no texting while driving law, BUT it is being classified as a second class infraction or only if there is another infraction.
Within the city of Billings, for example, a family member of mine was fined $110 just for having his cell phone in his hand while driving. According to a new state-by-state analysis by Mother Jones, I would have gotten off easy – the offense carries a $20 base fine in California. And a recent research study shows that even hands-free texting is more dangerous than drunk driving. But had I been driving in Alaska, I could have been facing not only a $10,000 ticket, but a year in prison as well.
Text while driving in Los Angeles, for instance, surcharges drive that smallest-in-the-nation fine all the way up to $159. Keep in mind that a vehicle totaled due to front end damage will have a lower salvage value than the same vehicle totaled due to a rear impact. I don’t care at the airport I have to remove my shoes and go thru metal detectors - because I am not carrying an explosive or a knife - or any other item that can kill everyone on board.
Salvage yards attempt to salvage usable parts that can be resold as is to body shops, mechanics and individuals and then the remainder is crushed and sold to be melted down.

A scrap yard will generally only offer you based on the weight of the metal because they are just going to crush it all down to be sold as raw metal for recycle. For instance, I know of a few companies in Illinois that will formulate a value at time of loss based on the following factors: car's condition before the accident, current blue book value, current dealer re-sale prices, current salvage values, and current newspaper listing prices.
Taking all these sources of info into consideration, it is difficult to say the least to compose a salvage value, until the actual time of loss, and after an adjuster examines the damaged vehicle. For instance, I know that The Hartford asks you what the condition of your car was prior to the accident, the adjuster who goes out to look at the vehicle looks at any prior damage on the vehicle and any mechanical malfunctions. They then go on the market (Auto Trader is used commonly) and search for vehicles in the same category condition and base your vehicles value on that value. I know however that if you choose to keep your salvage title, they take the market value of the car and subtract with the salvage value and that's the money you get along with keeping your car. The main point of giving you market value is so that you can go out and buy the same exact car in the same condition as your vehicle was prior to the loss. It's the consumers sometimes that keep trying to take more because they see a no fault auto accident as a way to make money.

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07.04.2014 admin

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