Handicaped idiot hit my car, 2 months to the day after purchase Options

[CupCrazy38]

Well, I was pulling out of a shopping center onto a major road where you can only make a right. Traffic was light, only two cars comming. One was in the turning lane with his turn signal on preparing to turn into the shopping center I was leaving. Where his lane ended, mine began. He started to make his turn, and the other car had already passed. I began to pull out and next thing I knew, wham... my car is f' ed up.

To sum things up... this guy crossed over a cement barrier and a safety gore and hit me. His explanation to the cop... He realized that he didn't want to make a turn there b/c he was in the wrong place, so he stopped turning, accelerated, and kept going straight, even though his lane failed to exist anymore.

My whole front end needs to be replaced, my radiator came completely off, my left fender needs to be replaced as well as my hood, and then there's the fact that my passenger door won't open any more.

I've had the car two months, and only owe $3700 on it (got it for $6000.75) and just put a stero system in it and a rattler E300 security system. To top things off, I had just gotten the oil changed that same day.

Here's the kicker... my bank has the car valued at $8895... Toyota said it was worth anywhere from $6000-$7200 when I had them appraise it b4 I bought it from another dealer (guy let me take it to them), the blue book value is around $6,900...however, the glorious state of georgie says it's worth $3900...

The insurance companies are saying they might just total the car and give me the $3900... which sucks a** b/c that would leave me with $200 after I pay off what I owe... which is about the cost of the security system after installation. I can salvage the stero system, but now I'm screwed b/c I have to buy another car with no funds to do so.

Damn handicaped old fart....

[CupCrazy38]

I'm in hell...

I called my insurance company today. They told me to get a second opionion on the car to start with, but I'd have to call back tomorrow b/c my adjuster is not in today, so they don't know the specifics. I got in touch with Cobb County Toyota and they told me that the car could be repaired correctly, but it would cost around $6000 to fix. They guy was nice, but he told me that the insurance compnay told him that their position is that they aren't going to cover anything b/c the car was previously wrecked.

It just pisses me off. I took the car to a toyota dealer and they told me it was wrecked but the repairs were done correctly. Now I get hit by some asshole who is uninsured and now I'm told by another Toyota dealer that the previous work was done far below standards. Apparently my insurance company is going to wipe their hands clean of the issue.

I could have a loan payment to pay off on this car, and I'd have to buy a whole new car. I'll have to go after him personally, and get a lawyer, which is going to cost me more money... money I don't have. And for what? To go after a guy who has nothing? I'd be luckey to get a dime after all my bills are added up.

Right now, I'm out $7,167.83 on a car I owned for 2 months, drove for 12 days (just got my license), all b/c I was in the wrong place when an asshole decided to go over a curb b/c he didn't want to turn.

And I have to get a new car... ugh