Thread title.
I got rear ended downtown today by a kid on his phone. Funny enough a cop was RIGHT BEHIND HIM and cited him for failure to maintain distance, and gave me a copy of everything with a case number. Bumper is busted good, one of the quarters might be pushed a tiny bit.
Question 1: How do I play this to my advantage and not get fucked? I haven't called my insurance yet (USAA) I was advised to let the other company call me first and fall back to mine if they give me the shaft. The other driver has Progressive (could be worse) Obviously I'm going to tell them to pound sand on whatever shop they recommend.
Question 2: What's the goods on "aftermarket" parts? I'm not talking about non-OEM replacements, but aftermarket I've installed, such as my exhaust. Part of it is bent where the tail pipes stick out and got hit and one of the hangars broke off. Am I going to be able to fight for a replacement non-oem system here, or will they just cut me a check for that?
Question 3: Diminished value, is there a formula for this or are they going to give it to me long dick style if I bring it up?