You're not screwing the guy. If you're going through insurance, his rates are going up either way. Another $10K+ the insurance needs to pay out to you isn't going to effect it on the driver's end. Most people that do get injured feel fine at the time of the accident due to adrenaline and usually don't feel it till later or they wake up in pain the next day. They usually just pay out on whiplash because, again, it's hard to prove. Also make sure to write down any times, and get receipts where you can,of when you've been inconvenienced because of the loss of your vehicle, time is money. If you have any receipts showing recent work to your vehicle, or that show any upgrades, you can usually get more money when they total it. You also might be able to buy it back from the insurance, for cheap, and sell it as a parts vehicle, or part it out, for more money. Are parts hard to get on the islands? Might be able to make a decent buck.
" glad i got all that out of the way though now i can enjoy the rest of my day waiting for my sister to get home so we can start cleaning up the room some more.
