Sunday, November 25, 2007

Dealing with Car Accident - Part 2

One important thing - always try to get a witness who can back up your side of the story of the accident. I know it is difficult as nobody wants to get into all that hassle. However, without a witness, it is going to be your story against the other driver's. In most cases, the insurance companies fail to attach fault completely one driver. They end up holding each driver at fault and you end up losing your deductible. Not sure if that affects your insurance premiums in the future.

In my case, I say I was very fortunate. One gentleman who saw the accident happening, waited for me to complete all the formalities, walked over to me and provided his contact information and told me that he would be available if I ever needed his witness statement. Very nice of him. Are there such people still in this world? I was left wondering. With his witness, I am hoping that I will be able to have other driver admit fault and thus not lose my deductible. Let's see. Insurance companies are still working on that.

After you have taken care of the car and have it towed away, come home and begin the insurance work. Insurance companies have 1-800 number for 24 hour claim services. Before calling them, note down important details. Call insurance company and file your claim. You will get a claim number. Hang on to it.

Open a new manila folder and it is going to be your 'the file' for accident related paperwork till all is settled. If you want, make a copy and have a copy folder also. All paperwork goes in here. Every time you make a call or receive a call from insurance company or any other related communication, throw that into the file. Every time you get a call, make a note on plain sheet of paper with date, time, person, summary of the call and drop it into the file. Arrange the papers by date for easy reference.

Normally when you call to file the claim, if you have car rental substitution on your policy, insurance company will set you up with the rental car from a company that they work with. Normally they work with Enterprise Rent A Car which maintains locations all over. With Enterprise Rent A Car, you need not have to far to rent a car. Enterprise Rent A car also comes and picks you up, gives you a rental car and you are all set.

It appears rental car agencies would like to get their share of the pie by giving you a car that costs slightly more than than your rental limit. If your rental limit is like 30 dollars a day, they normally have only cars which cost 2-3 dollars more than that. Ask them to give you a car which is less or equal to your rental limit. If not, take the car but ask them to call you once they get a car which is within your rental dollars limit. If you are okay paying extra, then it is fine.

One thing that you want to make sure is about where to get your car repaired. You have right to get it repaired wherever you want although the insurance company may recommend a shop which is one of their pre-approved. For minor damages, anyone is fine. But, if you have serious damage, you want to go to a body shop which works on cars similar to yours. Call your car dealer and ask for a recommendation. Normally, car dealers send cars to a third party body shop with which they deal exclusively. If you do your homework and know such a body shop in advance, it is actually a good idea to have your car towed that place in the first place. In anyway, you should plan to get your car to the desired body shop at the earliest.

Getting your car to the desired body shop, you have to be careful. Because the insurance companies are required to provide one tow per accident. So if you have already used that to have your car towed elsewhere, you need to either use your AAA tow or pay up from your pocket if you want it towed elsewhere. In my case, I had used AAA first time, so the insurance company had no problem to tow my car the body shop of my choice. It again involves few more phone calls. You need to first call the body shop where your car was originally towed to and ask them to release the car. Secondly you need to call the body shop of your choice and ask them to tow it to their shop. They may require you to sign some forms which releases them of their liability. It's pain but you can do most with fax or phone or just driver over to the shop and finish it off. Once you give them the necessary paper work, they will work with the other tow shop and get your car. Then let the insurance company know where the car is for them to do the inspection. Do it promptly and quickly as insurance companies naturally want to avoid storage charges body shops charge. Insurance companies want to make sure that if the car is at a body shop, it better be being worked. If your car is totaled, they would like to remove it from the body shop at the earliest and move it to junk yard which charge much lesser storage fee, it seems like.

From here on, things get less hectic. Insurance company sends their people to inspect your car and you will get to hear from them soon. Since my car was declared total loss, I can not write about the repair experience. Not at least for this accident. Total loss from insurance company's stand point is that they do not believe that car can be repaired to its original condition within reasonable limits. They use their data to determine if it is worth for 'them' to repair your car. Your opinion does not count. So, they offer you a choice. Either you can take a check and give up the car. Or you will still get a check and also your car and it's your responsibility to do whatever you wish with your car. For most people, it makes sense to give up the car and take the check for the entire amount than taking on the headache of getting the damaged car, getting the salvage cert later, lesser check etc. For severe front end collisions, if the insurance company says your car is a total loss, it makes sense to give up the car. It is too much headache and waste of time to deal with the car which insurance company has chosen to write off.

Once you decide how to proceed, the insurance company moves the car out of the body shop and your car is gone for good. There is one more opportunity to take anything you may have left it in the car. If you are in doubt, go to the body shop immediately, take out any thing you forgot and then release the car. I never got to see my car after the day of the accident. That's why I said in the previous post that you may not see the car again.

After a few days the insurance company adjuster will call you with the amount they have come up with for your total loss. Just listen to them and do not make any commitment to agree to the amount. Prior to that you need to work out the price you are willing to accept. First find the fair blue book value for your car. Most the blue books, let you adjust for miles, color, locations etc. Once you get the blue book value, add your tax and registration fees. This is the price you may have to pay to get a comparable car. Also remember to add any items such LoJack, new tires any fancy accessories etc. Always remember that your price should be adequate to 'buy' a comparable car. If you just look at the blue book value, you will be pleasantly surprised that insurance company gave you a better than expected deal. So, you need to make sure that you added accessories, tires if new and most importantly taxes. Develop a range with upper and lower limits you are willing to accept from the insurance company for your total loss. In my case, what insurance company offered was close to my lower limit and close 1000 dollars less than my upper limit. I asked them pay my upper limit. We negotiated and they agreed to give me 600 hundred more. The adjuster normally has discretionary power to go up to 500-600 dollars without requiring any additional authorization. They want to close your case quickly. So, it makes sense to work it quickly and take the best offer. If your first offer was too low, you may have to take the negotiation to the full level. Insurance companies do a good job of compiling and sharing with you all the data they used to come up with the price for your car. If you want to battle it out, make sure your data and calculations are in order.

There is more too dealing with car accident. I will write more in part 3.


Wednesday, November 21, 2007

Dealing with car accident

They say there is a first time to everything. So is to an auto accident too. Recently I was in a car accident  and capturing some lessons learnt here. Hopefully nobody ever needs it. Last thing you want to be in is a messy car accident and not certainly a fatal one. May the force be with us all :) But, still if one ever has the unfortunate experience my lessons may be of some use. For many of us dealing with accident, paper work, insurance, police etc. is alien. It may help to arm ourselves with as much information as possible.

Accidents where somebody has hit your car and has run away are easy to deal with. They may not be easy on your wallet but the complexity of the process is simple. You file a claim, get it repaired, pay your deductible and insurance company pays the rest. It is considered as a no fault accident and your insurance premiums do not (should not) go up. This is assuming you have comprehensive insurance. If you do not, you will have to pay for the repairs yourself. Also, if your deductibles are high and the cost of the repair is less than that, it may make sense not to file a claim at all. Every time you file a claim, it is recorded and available to people through agencies.

Many people (including me before researching on the Internet) think that if you get your car repaired, that's the end of the story. Is it? Have you ever given a thought to what happens to resale value of your car after you have claimed insurance and the fact is public via numerous vehicle history verification agencies. When you go to sell a car after few years, the prospective buyer will offer less than what he may have offered for a similar car with no accidents. This is where the concept of 'diminished value claim'. In theory, it seems, insurance company not only fix our vehicle but also pay us additionally for the 'diminished value' due to an accident. This is applicable any time you get your vehicle damages repaired. Does not matter your fault or other person's fault. However, there is a lot of legality involved. If you search on the Internet for 'diminished value claim', you will find all the details. This varies from state to state, situation to situation etc. It is not something you can expect to get easily. But, we should remember that value of the vehicle is lowered due to accident. If you do not manage to get this rare insurance compensation, you can always right off the diminished value in your tax returns.

Now, let's see the insurance process when you are involved in an accident with another vehicle.

In my case, it so happened that I was going straight, had green light, a person attempted to make a left turn in front of me, BANG, we crashed like a T right at the intersection (Sepulveda Boulevard and Washington Place in West LA). Big BANG. My car won't drive due to severe damage to the front. His is damaged on the side but moves.

Take a moment or two to collect yourself. Don't just open the door and come out. Especially in this situation when the accident has happened right at the intersection. First step, turn on the emergency flashers. Check for injuries. Only if you are ok, move your limbs slowly. Muscle injuries may not show outside but sudden movements can trigger them. If safe, get out and walk to the nearest safe area like safe side of the street. Forget the car. It's damaged, your are ok, that's what counts. Your flashers are on and other motorists will exercise caution. How many time we have not gone around such accident scenes. This what I did.

The other guy too had pulled over in the middle of the cross road and his vehicle was in the median. Median seemed OK to meet and exchange information with him as it was not a busy street. It is better to move to some other safe area and not the median even if it is an isolated stretch.

Be extra careful if the accident happens in the night. Lack of light only adds to confused state we are already in.

Information exchange is critical. It is easy to forget important things at such moments of confusion. You need to get his name, license number, vehicle registration number, address, insurance policy number, phone number. Normally the other person writes it for you. But, make sure to verify against their documents such as license, insurance policy etc. Even a good person can make honest mistakes while copying it down. Lesson learnt - make a template. Fill up your information on one side and leave rest blank. Take a few printouts and keep it handy in the car. Should an accident ever occur. You hand over one to the other driver and have him fill out one for you. Saves confusion and missed information. Remember to update the template if your information ever changes.

Address is very important. Other driver's insurance company will mail you some paperwork. In my case, I had made the mistake of jotting down my information on the back of my office business card and giving it to him. Mail was sent to office the address from where we had moved recently. Luckily mail got forwarded and I got it. Probably after a good number of days as it was in the mailbox which we hardly check. Who gets mails at work?

So, do all that you can to get the information correctly and clearly.

Police reports are optional in many cases when there is no crime or injury. I called anyway. In cities like LA, looks like these kinds of accidents are so common that they hardly care. Once they confirm, no one is hurt, they take their sweet time. A good cop came after good 20 mins or so. He moved my injured car which was still there at the intersection. He had to put it in neutral and push. I could have done it only if it had occurred to me. Such is the state of confusion. Anyway, it was probably a good thing that I did not exert myself. Who knows what pain it would have kicked in?

Ask the officer to give his card. They carry a generic cop card for the given city. They normally jot down their ID and hand it over to you. Since the cop said no report was necessary, I do not know what I could have done with his card. Even if I were to call him later, would he remember one of the several such accidents he may get to see? So, if the cop says no need to file a report, take his word. You can still go and file one at your local police station.

Now comes the next step. Where to send the car to? If you have AAA or any such membership, call them for a tow truck. Expect to wait anywhere from 30 minutes or longer. No time in my 10 years of AAA membership, help has come before 20 mins. Ideally, you should know where to send your car to. If not, do not worry, let the tow truck guy take it where he normally takes it. Just make sure it is within in 10 miles or so. Not for anything other than being close to your place so that you don't need to spend time to go there if you have to. Also, if you are not a premium member, AAA has limits on how far they tow for free.

Before you say temporary good bye to your damaged car, you must absolutely make sure to empty your car completely. Completely of all that you care about. This is where keeping stuff organized comes handy. Luckily for me, I normally keep a suitcase kind of bag in the trunk where all emergency stuff like flashlights, air compressor, GPS etc. etc. are there. So, it was that way easy to empty the car. Still I had to make sure that I checked out all glove boxes, numerous places these days cars make space to stow everything. It is very important not to forget your most important documents such as vehicle registration, insurance, owner's manual, CDs, coins, maps etc. etc. Take whatever time necessary to empty the car cleanly and completely. As you will see later, you may not get to see the car again as it happened in my case. Having to empty in a short time should be enough motivation to keep our stuff organized in the car. I can't imagine what I would have done if I had kept my car like the car of some of my friends which look like their houses. So much stuff. Even if your car is disorganized, thrown in a couple of trash bags in the trunk. If you ever have to empty, you can just throw your stuff into the trash bag and you are ok.

Do this before you car is lifted on to the tow truck. Once it is on the flat bed, it is difficult to lower it again and they don't let you climb on it and you will have to rely on the tow truck driver to empty it for you. He may forget some stuff. Mistake I had made. But, it was still ok. He lowered the flat bed  and I could reach out most of the places. Where I could not, I specifically asked him to empty this or that glove compartment and made sure that I had all stuff taken out. Only thing I now remember I forgot was the apartment parking card which was hung on the mirror.

Your probably need a ride as well. If your place is near by, tow truck driver will give you a ride home before proceeding to dump your car. If you are far away, you may need to make arrangements on your own. If you are in a totally alien area, check with the cop when he comes. If nothing comes to mind, call 911. I know people who have done that and have been connected to nearest rental car place or taxi or whatever.

Tow truck driver should give you a receipt. The receipt should have the address and phone number where you can expect to find the vehicle. Make sure you ask for the contact person. Some of these facilities are very large and have probably hundreds of cars towed from several places. In such cases, you may have to run from pillar to post without a contact person's name. If possible, get the tow truck driver's name and his phone number.

After making sure that all your stuff has been taken out of car and you have the valid result, say good bye to your car. It's fate is unknown at this time.

What is the next step? Hopefully in the next post.....


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Sunday, November 18, 2007

Flickr - SUCKS

Flickr (, photo sharing web site's new policy to allow only last 200 photos for viewing really SUCKs. Now with free membership there is upload limit and also restriction on how many photos you can view at any given time. To make things worse they do not make it possible to download pics posted on our accounts in bulk. What is Flickr thinking? Lose its members. I do not believe there is any shortage of web sites which let users store unlimited number of pictures.

As I said, once you post your pics on Flickr, saving them back to your hard disk can be a task as there is no way to download more than one pic at a time from Flickr web site. Luckily some good soul has made available a neat utility called FlickrDown and you can batch download all pics from your flickr account. It let's you authorize right from Flickrdown user interface.

This is it. I am going to take my pics elsewhere once I finish downloading all my pics to my hard drive. Done with flickr. Down with flickr.

Check out other picture sharing web site and may be Flickr will learn its lesson when users leave in drones.


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Saturday, November 17, 2007

Privacy Guard

Privacy Guard - provides identity theft protection related services. You can check your credit scores, what creditors know about you, set up various processes to safe guard your identity etc.

I became their member for a short while. While buying something from Staples, they offered free trial membership and a $10 cash back for trying the services. What the heck? I thought and signed up. As usual made sure that I cancelled the membership before the trial period ended. However, for whatever strange reasons, they had not mailed me the rebate form. Here I was with cancelled membership and unable to claim my $10 rebate. Called their customer service line and inquired. The first rep tried to brush me off saying I was not eligible for $10 rebate as I had cancelled my membership. Asked to speak to her supervisor and she did confirm that $10 rebate was for trying the program and being active member was not necessary. Then began the pursuit to get the money. Took several e-mails and phone calls to have them mail me the rebate form. They e-mailed the starter kit which had all forms except the rebate form. What do you say? Convenient amnesia. Hate such tactics. Few more e-mails and they faxed me the rebate form. Filled it and sent it back. I had no hope that they would pay up without requiring another prolonged e-mail or phone pursuit. But, surprisingly, got the check for $10 after 4 weeks. Good. At least they were good to keep up their word although it should not have been this complicated. Moral of the story is same - patience and perseverance. $10 is not the point here. Why do they make it so difficult for people to collect what is due to them? Do they think people like that? This is a typical example of 'penny wise. pound foolish.'

So, if you are tempted by such offers when you shop online, make sure you are willing to spend time and energy to recover that. Many times it is simply not worth your time.


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2008 Camry Hybrid

2008 Camry Hybrid. Great mid size sedan. I test drove Toyota Prius, Honda Civic Hybrid and Toyota Camry Hybrid and liked Camry the best and bought it. Did not want to try Nissan Altima as they  sell it only in 8 states.

After having driven 2002 Honda Accord V6, I do miss the power of a powerful V6. But, you do have to give up some power to get great mileage that hybrids deliver. Camry hybrid does a decent job in terms of power. Great handling. Much smoother steering than old accord which was good but very taught.

I am yet to try out all the features but first impression after driving 60 miles is very positive. Very roomy car. Seats and leg space are really good. Controls are good. Basic sound system is good. Although miss the 6 CD player. You can upgrade to premium sound system, navigation etc. if you are willing to shell 3000 bucks or more.

Trunk space is small due to the space consumed by hybrid battery. Cloth seats are ok. You can buy  leather package.

Certainly beats Prius and Civic in most categories except mileage. They may get 8-10 miles more per gallon. Prius is too small. Visibility is poor especially while backing up. Civic is ok but handling seemed too taught.

Hybrid system comes with 8 years or 100,000 miles warranty more than adequate. Even extended warranties do not cover more than that.

I was in the market for a hybrid cars only. I have hated paying anything more than $1.50 for a gallon of gas. Where are the times of 1998 when the lowest price I had paid was 89 cents a gallon. These days with my old car giving 18 miles a gallon in city, it used feel criminal to go for a drive. Hopefully, with promised 35 mpg of Camry, I hopefully won't feel that guilty.

Things I feel bad about is all the tax and other incentives for hybrid cars are gone. Tax benefits are gone. California benefits such as HOV lane access, free parking etc. are also gone. Too bad.

Price I paid was 22,900 after $500 rebate. No options at all. Basic options such power seats, cruise control are all standard. Would have like leather but it comes only when you upgrade to UT or UP packages which includes premium sound system, navigation, stability control etc.


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Friday, November 16, 2007

Toyota Scion of Hollywood - good toyota dealer

Car buying is one of the most stressful experiences. It does not have to be. But, for whatever reasons, it has become one. Why can't all dealers adopt a practice that Saturn adopted. No haggle price. If you sell the car at the sticker price to all customers, no body will haggle. Anyway, that is not the case. Hence,we have to haggle.

I recently bought a 2008 Toyota Camry Hybrid from Toyota Scion of Hollywood, California. It has been a good experience. They are still to install LoJack. I do not see anything going wrong there. Other than that open item, transaction was really smooth one.

I used 'get free quotes' feature from to invite quotes from a few dealers. This dealership was one of the dealerships which replied. No dealer replied with reasonable quotes. Most had no price quotes at all. All they did was to send one of their standard e-mails asking you to come and see the cars. One dealer cut and pasted MSRP. Why don't they understand that MSRP is available from many Internet sites and no customer is going to pay that price.

Randolph Villamil, the salesman at this dealership, was prompt and responsive. He sent first e-mail. Then called me. I set up the appointment. The salesman was there when I went to the dealership. He organized for the test drives of two cars I was interested in - Prius and Camry. It took a couple of e-mails from me to have him send me the proper quote. But, it was not too much of a time. May be he had to identify the car that he wanted to sell first, my color preferences etc.

I e-mailed him back with my offer which was a few hundred dollars less. Fair price calculated using valuable resources at He agreed to my offer and confirmed. I went to the dealership the same evening and finished the paperwork. The process took at most an hour.The finance person who did the paperwork was also quick and fast. He did offer usual stuff such as extended warranty, service plan etc. I had done my research and had found that most of such stuff is marked up quite a bit at dealerships. I declined all such extras and there was no pressure at all. Good thing.

Next day, I went and picked up my car. Randolph had readied the car promptly. He answered any questions I had. He told he would arrange for the LoJack guy to contact me to set up an appointment to install LoJack and that was it. One of the best car buying experiences. Best among the three experiences in last 10 years. Bargaining if any was a few e-mails.

So far positive experience with this dealership. Randolph, the salesman, seemed like a simple straight forward guy. No pressure tactics. Spends time to answer questions. Over all a nice guy.

I recommend this dealership and Randolph Villamil for buyers of Toyota in Los Angeles area.


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Car buying tips is a very good resource if you are in the market to buy a new or used car.

Despite all the hype about Internet having made it easy to buy the car, auto dealers do not seem to have learnt one lesson. That is they make it so difficult to buy the car. This web site arms with you all the necessary information and puts you in the commanding position. With this info, you are sure to be confident and negotiate a great deal. Specially work out the true price of the car you have in mind using the spreadsheet template given. Using that you can work out some sample scenarios and develop a bargaining range. You will know your upper and lower bounds and will not become victim of the pressure sales tactics. Most infamous among them is to force you sell the car and options you do not need.

Fantastic resource. If you can spend time, read everything at the site and try to absorb as much information as possible. If not, at the least, work the spreadsheet out and have the prices ready.

Don't feel obligated to show your spreadsheet and calculations to the dealer while negotiating. They try to intimidate you and challenge you to come up with data for your calculations. Rebut saying that you are there to buy a car and not explain your position. Good dealers do not insist and bad ones are not the ones from whom you would want to buy the car anyway.

Watch out for one thing. The price you offer may be accepted by the dealer without anything. If this happens, do not blame yourself that you may have quoted a very high prices and became sucker. Chances are low if you have worked out the spreadsheet and checked your numbers carefully. Dealers when the hear the right price do not argue much. They may be surprised that you are offering a fair deal and do not want to drag it too long because they can be selling more cars during that time.

With the help from this site, I bought a new car (2008 Camry Hybrid) for a just few hundred dollars above the invoice price. Dealer made a fair profit. I do not mind that. I was happy because I did not have to haggle over the price. I e-mailed the dealer after I came back from the test drive. He gave his price. I offered my price from the spreadsheet. He replied confirming the price. End of the story., Kelly blue book etc. do a good job of providing invoice price, destination charge etc. what they do not tell you is about a hidden incentive called 'factory hold back' which is similar to mail-in rebate that the dealers get back from the car manufacturers. Hence, their price will be lower than the invoice price quoted on such site. Destination charge, dealer fees etc. are better left as such as you are not going to beat dealers in such as they have to have some basis remain standard for customers. Your data points are invoice price, factory hold back and discretionary profit (3% to 5%) you would like to offer.

Happy car buying!!!


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Wednesday, November 14, 2007

The Undiscovered Country: Exploring the Promise of Death by Eknath Easwaran

One more elegant spiritual masterpiece by spiritual master Sri Eknath Easwaran.

In this book Sri Easwaran explores one of the certain things in life - the death. As they say the other certain thing is tax. There are IRS manuals to help us understand taxes :) To understand death, in a way it is better understood, this is the book.

Easwaran demystifies the subject of death and helps removes dislike or fear or myriad of other negative emotions we may have about this certainty in life. Death is inevitable. How can one overcome physical death and prepare oneself for the journey beyond death? This book explores them using day to day incidents and examples.

Even if we do not care about death, one or the other time in life, most of us have a glimpse of it much before the real death comes to us. After such an experience, it is normal for many to wonder about death. It may be for a moment or for years. That is one of  the times to pick up this book and reflect on the wisdom from someone who spent years preparing for death. In that preparation he led a purposeful life. Sri Easwaran, many thanks to you.


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Saturday, November 03, 2007 - I have bought stuff from this Internet retailer for some time. From time to time, I come across good deals here. They offer free shipping on most stuff. Despite the fact they charge tax (due to location I suppose), prices are attractive many times. Recently I bought a 750 GB external hard drive from here. They had advertised that it carried a $40 mail-in rebate. Recently I received the rebate. But, rebate amount was for $30. I was surprised. May be I was wrong I thought and referred back to the paperwork I retain. No doubt. Sure it was for $40. Then began the process to recover $10. First contacted the manufacturer of the drive Cavalry Storage. They got back saying that the rebate was indeed for $30 and had made a mistake and I should take it up with them. I forwarded the entire e-mail thread to customer support and asked them how they were going to reimburse for me $10. After few days came a boiler plate reply. "Rebates are administered by the manufacturer. Please take it up with them." Hello!!! I had already done that. Did you even read the e-mail thread I forwarded to you? Sheesh! I hate to think that customer rep did not even read and understand my complaint. OK. It took another e-mail or two to explain further. No response for a while. Then I sent one final e-mail in which I clearly told that if I did not receive the missing $10 in two weeks, I would take it up with Better Business Bureau or whatever I felt appropriate. Hmmm... no response for another 10 days. Then comes a reply that they were going to reimburse me for that $10. I admit that it was a clerical mistake they did in advertising $30 rebate as $40. But, as a business, you will make it up to your customers as soon as they complain regarding your mistake. Why make them wait and threaten you with all this? Can't you save all this aggravation for yourself and the customer? It really baffles me that businesses like to bet that customer forget or do not follow up. Not with me you bad fellows. Anyway, I do want to commend whoever finally saw the usefulness of reimbursing me and making me a reasonably satisfied customer. They deserve kudos for that. So, lesson here is never give up. Takes time. Every time we give up with these business, it only makes them continue do same with other customers. More such experience, they get bolder. There are two more dead beat businesses that still owe me $10 each. Not much hopeful about them though. Let's see for some more time. They are going to have my complaints against them at BBB soon. Customers pay and expect to get the complete deal. It would be good if businesses take note of this and conduct their businesses properly.


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