was in a wreck scared and confused

Hello. I live in Oklahoma and we have Geico as our car insurance. My husband said our insurance is $25,000 $50,000 and $25,000 . I don't exactly understand that but it's what he told me when I asked how much insurance we had. He said full coverage however no rental and I guess we had no medical insurance since I was at fault and it was a one car
accident.

basic info

My truck is a 2003 Chevy Tahoe Ls with between 85,000 and 86,000 miles
V8 4.8 Liter engine
4WD
automatic
Air Conditioning
rear air
Tilt control
Dual Front Air Bags
bows speaker system
power steering
power doors and windows
Dual Power Seats
roof rack.
Sony CD player
does not have 4 wheel drive.





it is a 8 seater and I am the second owner. ( Had two bench seats to fit 8 instead of one bench seat and 2 bucket seats not sure if that matters or not but when we bought it the dealership said they had it ordered to fit 8 instead of 7 )

The truck was in very good condition with no dents before the accident paint and everything was good ( not pealing or scratched up)


We are financing the truck and our buy out price is $10,500 if we paid it off today, more if we made payments if we drop the warranty then it's less then $10,500 ( not sure if we could drop warranty after the accident) Wynn's is our warranty company and the warranty price is rolled into the cost of the truck and comes out of monthly payments)

OK so now on to the accident.

I was driving my children to get breakfast and then school Friday morning, they usually take bus but it was raining. I unfortunately Hydroplaned into a brick mailbox and the truck was damaged. I am telling you the mail box was a super mail box!



I hit right in the middle of the front of the truck but damage to the full front area of truck , Side I believe was fine.
The truck was taken to the shop the same day of the accident and so far the adjuster says the following is broke, front bumper ( which was on the ground after the accident, hood which buckled , lights , grill, radiator, hose to radiator and driver air bag and fan ( he says this was the obvious stuff that was broken). He was unable to take apart the engine or transmission Friday but said it would be done over the weekend. The SUV would not start at all after the accident.It had no power when they tried to start it back up and I can't remember if it was running right after the accident. They did check and see if the battery was damaged or lose and it was not but the truck still got no power and would not start.

He did say the frame was not bent as I hit in the middle of the truck and he says there is 8 inches in the middle where the frame does not connect ( and thats where I hit). Said there was no frame support where It was hit. the front where bumper was is buckled in about a foot.


I am hoping I am explaining the damage correctly. Can anyone tell me the chance that part of the engine or transmission is damaged? I understand you may not beable to tell me without seeing my truck but was wondering what your experiance with these types of accidents was. A little birdy told me you guys are great here and very friendly so I thought i'd ask.

Here is two photo's my husband found that he said looked the damage ou SUV has He said it looks like this hood but ours hood was more crumbled.

and then this front except ours is dented in a bit more and it was in the center (caved in)
the bumper was completely off . So he said The hood on first car and the front on this car is how the SUV looks.( but ours didn't cave in the sides like on the 2nd car all damage done to front and hood.)


I am horrified if or when they fix it and we will have trouble later ( Engine runs great and I can't even hear the engine when I'm driving) I guess I've read to many bad stories about the troubles after a accident with engines and transmissions. Or that they will total it out ( Not sure if there is enough damage for that although OH MY GOSH it looks SOOOOO bad) but my other fear is if they total it out we won't get $10500 after deductible * which is $1000* leaving us more to pay on the SUV .We don't have Gap I am for sure getting it for now on! NADA's clean retail price is $12,275 for my area and KBB"s retail price is $13,590 for my area . IF they total the truck out and IF they go by them two prices I should get between ($12,000 and $14,000) and that would be enough for our buy out price ( after they minus the $1000 for deductible) and would leave us owing the loan company nothing. Is this correct?

I have researched our newspaper and other areas in our town also and the prices are even higher priced then the sites , I seen a few a bit lower but they had a lot more miles.

I am counting my blessings that my children are OK and that I was not hurt worse , Just bruised my lower back , my ribs, my chest where the seat belt was and a burn on my arm ( from the stuff in the airbag) . My knee and my pelvic area hurts but besides that we are all OK.

can anyone calm my fears about the horrible insurance stories I'm hearing about them not fixing it correctly and or not giving you enough to pay off the SUV when the fair market value is more then the SUV cost.

Thank you so much for your time, I'm sorry If I've went on and on this whole thing has just been so horrible , I hope and pray to never get in a accident again. I just can't believe I wrecked our SUV . No matter how much someone says it was a accident and I shouldn't beat myself up over it, I am. My husband is a Deputy and says he See's accidents like this in the rain all the time but I always thought I was such a good driver.
Also one more question does anyone know about how much the insurance rates go up after a at fault accident? ( I have no tickets or any other accidents on record)
Mommyof6 [/img]