I was driving 5 over speed limit in a construction zone that takes your pictures and sends you a ticket when you speed. I was in the left lane and this guy behind me begins to tailgate me with his brights on. I know that I'm in the wrong lane for 5 over the limit, but i decided to stay there. So this goes on for like two miles and at any time, the guy could have passed me on the right... but he finally swerves around me on the right and drifts over into my lane and tries to run me into the jersey barrier. He clipped the front of my car with his SUV and the realizes that he is screwed if he doesn't get away from me. He tries to out run me and I easily caught up with him to get his tag# and I call the cops. The cop had to go to his house to get him to come meet with me so that I could get his insurance info.
Long story short, the guy admitted fault but I have some questions and need advice from anyone who has ever had this happen to them.
His insurance co, Progressive, cut me a check after their adjuster assessed the damage to my car at around $1400. If I have the repairs done at their preferred shop, I get lifetime warranty on the paint repair. Is there any benefit to having a Subaru authorized dealer / body / repair shop do these repairs?
My other question: I heard from an old friend who used to be an adjuster that in the state of Maryland that I am entitled to the value of the depreciation of the car due to this minor accident; i believe that this should be the case as after all, my car has now been in "an accident" and the value is less (am i not correct?). The adjuster told me that they don't do this because they will repair the car to perfect condition. I asked the claim rep about this and he said that it is not common practice in MD for this to happen. Any advice here? I want more money and they obviously don't want to pay me more.
Another question: The SUV scraped my headlight housing a little but there is not that much of a gouge in it. The adjuster said that they would buff them out, but that because the gouge is not that deep it will not decrease the strength of the housing. BS? I think I should get new ones, but will I have to argue in court to get this?
I feel like I was wronged here in this entire situation. They should repair the car the way i want it repaired right? I know they insured a road-raging moron who ran into my car, so they should be doing things my way. I am not sure how all this works as this is my first accident that I have ever been involved in.
Any advice is appreciated.
I learned- don't tailgate and also don't be that a hole in the left lane going less than 80mph.