| 303villain | 02-01-2007 12:16 PM |
Wrecked :(
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So yesterday im driving to pick up my girlfriend, when all of a sudden the Tacoma next to me(he is in the far right lane, im in the middle) tries to turn left into a shopping center and bang. He hits me. Both my doors, passenger mirror, sideskirt area, and a bit of the back fender are quite a bit crunched.
Now I have a few questions. The car has full coverage, the doors will obviously have to be replaced. My question is this, is it likely that when they do the work they will re-spray my entire car? I dont want my car coming back looking wrong?
My custom exhaust was also broken upon impact. Will the insurance company give me the cost of the custom exhaust or am i screwed here?
I've never been in an accident before and i figured this place would get me a quicker answer than my insurance agent.
Mods feel free to move if need be.
Now I have a few questions. The car has full coverage, the doors will obviously have to be replaced. My question is this, is it likely that when they do the work they will re-spray my entire car? I dont want my car coming back looking wrong?
My custom exhaust was also broken upon impact. Will the insurance company give me the cost of the custom exhaust or am i screwed here?
I've never been in an accident before and i figured this place would get me a quicker answer than my insurance agent.
Mods feel free to move if need be.
| mcowger | 02-01-2007 12:25 PM |
Having just finished a similar wreck/insurance cycle (with the caveat that my ins. co is probably different than yours). Sorry to hear about the cruched scooby.
1) Respraying whole car: Probably not - they will probably blend it into your existing paint.
2) Custom exhaust. No, it wont be covered unless you have purchased coverage for customized parts & equipment. They will replace with a stock exhaust.
[QUOTE=303villain;16892843]
Now I have a few questions. The car has full coverage, the doors will obviously have to be replaced. My question is this, is it likely that when they do the work they will re-spray my entire car? I dont want my car coming back looking wrong?
My custom exhaust was also broken upon impact. Will the insurance company give me the cost of the custom exhaust or am i screwed here?
I've never been in an accident before and i figured this place would get me a quicker answer than my insurance agent.
Mods feel free to move if need be.[/QUOTE]
1) Respraying whole car: Probably not - they will probably blend it into your existing paint.
2) Custom exhaust. No, it wont be covered unless you have purchased coverage for customized parts & equipment. They will replace with a stock exhaust.
[QUOTE=303villain;16892843]
Now I have a few questions. The car has full coverage, the doors will obviously have to be replaced. My question is this, is it likely that when they do the work they will re-spray my entire car? I dont want my car coming back looking wrong?
My custom exhaust was also broken upon impact. Will the insurance company give me the cost of the custom exhaust or am i screwed here?
I've never been in an accident before and i figured this place would get me a quicker answer than my insurance agent.
Mods feel free to move if need be.[/QUOTE]
| Lexington | 02-01-2007 12:28 PM |
[QUOTE=mcowger;16892984]Having just finished a similar wreck/insurance cycle (with the caveat that my ins. co is probably different than yours). Sorry to hear about the cruched scooby.
1) Respraying whole car: Probably not - they will probably blend it into your existing paint.
[B]2) Custom exhaust. No, it wont be covered unless you have purchased coverage for customized parts & equipment. They will replace with a stock exhaust.[/QUOTE][/B]
incorrect.
They will PAY for a stock exhaust.
Stock parts cost mondo $$$.. you will probably make money on your exhaust :)
1) Respraying whole car: Probably not - they will probably blend it into your existing paint.
[B]2) Custom exhaust. No, it wont be covered unless you have purchased coverage for customized parts & equipment. They will replace with a stock exhaust.[/QUOTE][/B]
incorrect.
They will PAY for a stock exhaust.
Stock parts cost mondo $$$.. you will probably make money on your exhaust :)
| 303villain | 02-01-2007 12:32 PM |
Well after looking at the car again, there are a BUNCH of scratches on the driver side as well. When he hit me, he was a little bit behind me and pushed me, the road was wet and i slid through the intersection and came to a stop in a small entryway to a business of some sort. i know i slid past a tree and im guessing that is what caused all of the scratches. This week just gets better and better :(
Now I do know that there is one nasty door ding on that side of the car. I wonder if i can pay the shop to fix that while im in there?
Now I do know that there is one nasty door ding on that side of the car. I wonder if i can pay the shop to fix that while im in there?
| naimouasta | 02-01-2007 12:42 PM |
[QUOTE]Well after looking at the car again, there are a BUNCH of scratches on the driver side as well. When he hit me, he was a little bit behind me and pushed me, the road was wet and i slid through the intersection and came to a stop in a small entryway to a business of some sort. i know i slid past a tree and im guessing that is what caused all of the scratches. This week just gets better and better
Now I do know that there is one nasty door ding on that side of the car. I wonder if i can pay the shop to fix that while im in there?[/QUOTE]
you probably can get it fixed at the shop. when i got in a small accident, i had to get my hood, headlamps, grill, and front bumper replaced. i supplied the headlights which i got for 100. the stock headlamps are $600 so i made some money which i used towards my deductible and painting my side skirts. :)
Now I do know that there is one nasty door ding on that side of the car. I wonder if i can pay the shop to fix that while im in there?[/QUOTE]
you probably can get it fixed at the shop. when i got in a small accident, i had to get my hood, headlamps, grill, and front bumper replaced. i supplied the headlights which i got for 100. the stock headlamps are $600 so i made some money which i used towards my deductible and painting my side skirts. :)
| 303villain | 02-01-2007 12:48 PM |
Well unfortunately theres nowhere I can cut any corners with those things except with the exhaust, I will have to call the dealership and find out what the stock catback costs.
Thanks for the advice guys, any other advice/input would be greatly appreciated.
Thanks for the advice guys, any other advice/input would be greatly appreciated.
| littlewhitewagon | 02-01-2007 12:54 PM |
Ok, it sounds like the other driver was at fault. This means that HIS/HER insurance will pay for all the damages and has to restore your car to its condition prior to the collision. Why are you bothering with trying to have your insurance pay for it?
| rkramer | 02-01-2007 01:19 PM |
[QUOTE]
incorrect.
They will PAY for a stock exhaust.
Stock parts cost mondo $$$.. you will probably make money on your exhaust [/QUOTE]
sortofnotreally... depends on the state and if there is a lienholder. many states, if there is a lien, you never see any money no matter what. the insurance company deals only with the repair place and doesn't have to give you the money at any point.
incorrect.
They will PAY for a stock exhaust.
Stock parts cost mondo $$$.. you will probably make money on your exhaust [/QUOTE]
sortofnotreally... depends on the state and if there is a lienholder. many states, if there is a lien, you never see any money no matter what. the insurance company deals only with the repair place and doesn't have to give you the money at any point.
| SQ3.0dotJP | 02-01-2007 01:24 PM |
order your parts from rock auto, the insurance company should give you a check, ebay, and some online places have parts cheap, friend of mine with a miata just got in a wreck, they cut her a check, and i sourced all the parts. never tell the shop how much your insurance check is for cuz they will do their best to get it all.lol
| SQ3.0dotJP | 02-01-2007 01:25 PM |
[quote=rkramer;16893827]sortofnotreally... depends on the state and if there is a lienholder. many states, if there is a lien, you never see any money no matter what. the insurance company deals only with the repair place and doesn't have to give you the money at any point.[/quote]
your state sucks:(
your state sucks:(
| cppchrisdh | 02-01-2007 01:33 PM |
if he turned into you, its not your fault. his insurance will cover it, if he doesn't have insuance sue him for the cost of repairs and the increace in your insuance.
| shemoves | 02-01-2007 01:38 PM |
Being that your car is so new, you should be able to demand that it be returned to you in that condition...no matter who's insurance pays for it. (sounds like the other driver is totally at fault; however).
| SjpWrx | 02-01-2007 01:42 PM |
Ttiwwop?
| bratmantlz | 02-01-2007 01:50 PM |
what you do is go to a shop that knows what you want done to the car. when you get the quote for the repairs, theyll cut you a check you take that and get the extra parts you need and pay the difference over what stock parts cost. iirc they wont do modified exhausts.
| mcowger | 02-01-2007 02:23 PM |
[QUOTE=littlewhitewagon;16893473]Ok, it sounds like the other driver was at fault. This means that HIS/HER insurance will pay for all the damages and has to restore your car to its condition prior to the collision. Why are you bothering with trying to have your insurance pay for it?[/QUOTE]
Because thats how these insurance works. You report accident to your isurance, he reports it to his. Your insurance pays for your damage, and then GOES AFTER HIS INSURANCE to get reimbursed.
half the point of insurance is that you never have to deal with the other side.
Because thats how these insurance works. You report accident to your isurance, he reports it to his. Your insurance pays for your damage, and then GOES AFTER HIS INSURANCE to get reimbursed.
half the point of insurance is that you never have to deal with the other side.
| 303villain | 02-01-2007 05:34 PM |
well here's an update:
Talked to the lady @ my insurance handling the case, she said to expedite things i can go through my insurance and pay the deductable. Obviously i dont want to do that. Option B is to go after his insurance company.
Shortly thereafter I get a call from the other guy's insurance company asking for a statement. They accepted liability and are paying for the repairs. He did say that they wont pay for the other side scratches because there's no way to prove that they werent already there. They are sending someone out on Monday to do the initial estimate and cut me a check.
At that point I have to wait til the 19th and take my car to a shop to get a second estimate, and start the repairs. Luckily, I know a person who works at this shop so hopefully things will go OK. Im going to do my damndest to get the car totally repainted because it looks like butt right now.
Talked to the lady @ my insurance handling the case, she said to expedite things i can go through my insurance and pay the deductable. Obviously i dont want to do that. Option B is to go after his insurance company.
Shortly thereafter I get a call from the other guy's insurance company asking for a statement. They accepted liability and are paying for the repairs. He did say that they wont pay for the other side scratches because there's no way to prove that they werent already there. They are sending someone out on Monday to do the initial estimate and cut me a check.
At that point I have to wait til the 19th and take my car to a shop to get a second estimate, and start the repairs. Luckily, I know a person who works at this shop so hopefully things will go OK. Im going to do my damndest to get the car totally repainted because it looks like butt right now.
| Cooter05WRX | 02-01-2007 05:43 PM |
do not accept a check if they offer you one. you can take your car to a shop now and they can send their guy to that shop to look at the car.
| theicewall | 02-01-2007 05:51 PM |
Don't tell them its okay for them not to pay for the other side. He hit you and rammed you into another object... its still his fault that both sides of the car were damaged. Go take a picture of the tree which probably has blue paint on it.
| Daishi00 | 02-01-2007 05:51 PM |
[QUOTE=mcowger;16894785]Because thats how these insurance works. You report accident to your isurance, he reports it to his. Your insurance pays for your damage, and then GOES AFTER HIS INSURANCE to get reimbursed.
half the point of insurance is that you never have to deal with the other side.[/QUOTE]
Again, depends on the state. In some states simply being in the wrong place at the wrong time counts as 1% responsibility and therefore your insurance will pay for your car repairs and the other drivers will pay for his...those states SUCK.
half the point of insurance is that you never have to deal with the other side.[/QUOTE]
Again, depends on the state. In some states simply being in the wrong place at the wrong time counts as 1% responsibility and therefore your insurance will pay for your car repairs and the other drivers will pay for his...those states SUCK.
| 303villain | 02-01-2007 11:26 PM |
Why would i not want to accept the check when they offer it? I dont know why they wouldnt pay to fix both sides since had he not hit me i wouldnt have gone past the tree. Im gonna fight to get as much as i can. I just want my car to look right.
| InvertedB | 02-01-2007 11:34 PM |
[QUOTE=Daishi00;16897800]Again, depends on the state. In some states simply being in the wrong place at the wrong time counts as 1% responsibility and therefore your insurance will pay for your car repairs and the other drivers will pay for his...those states SUCK.[/QUOTE]
Which states are those because they obviously seemed to have missed the point of liability and their legislators should all go DIAF.
Which states are those because they obviously seemed to have missed the point of liability and their legislators should all go DIAF.
| littlewhitewagon | 02-02-2007 12:17 AM |
[QUOTE=mcowger;16894785]Because thats how these insurance works. You report accident to your isurance, he reports it to his. Your insurance pays for your damage, and then GOES AFTER HIS INSURANCE to get reimbursed.
half the point of insurance is that you never have to deal with the other side.[/QUOTE]
O RLY? So you are telling me that every time that I got hit by a buttwipe, and I went and called their insurance (because there is always an extension to do this) to make a claim, and got my car repaired in days, I was incorrect in my actions? If the at fault driver accepts liability, then everything moves quickly. The ONLY time you want to use your own insurance is when there is going to be a lengthy investigation or a dispute over liabilty.
My statement above to my knowledge holds true for CA and I can not comment about other states.
half the point of insurance is that you never have to deal with the other side.[/QUOTE]
O RLY? So you are telling me that every time that I got hit by a buttwipe, and I went and called their insurance (because there is always an extension to do this) to make a claim, and got my car repaired in days, I was incorrect in my actions? If the at fault driver accepts liability, then everything moves quickly. The ONLY time you want to use your own insurance is when there is going to be a lengthy investigation or a dispute over liabilty.
My statement above to my knowledge holds true for CA and I can not comment about other states.
| boosted4you | 02-02-2007 06:19 AM |
damn that sucks bro
| Casse | 02-02-2007 11:18 AM |
How stupid can you be to turn into someone, good luck with everything and I hope his insurance pays for it all.
| epaplia | 02-02-2007 11:22 AM |
[QUOTE=SjpWrx;16894149]Ttiwwop?[/QUOTE]
12345!!!
12345!!!
| 303villain | 02-02-2007 12:33 PM |
i know! i know! pics today, its odd, being a photography major id post pics IMMEDIATELY, its just been super super crazy around here and snow doesnt help.
Insurance guy comes monday. Going to see what i can do about getting my mirrors painted and 04/05 sides installed at the same time. Im not crazy worried about the exhaust cause it was free and its fixable :D
Insurance guy comes monday. Going to see what i can do about getting my mirrors painted and 04/05 sides installed at the same time. Im not crazy worried about the exhaust cause it was free and its fixable :D
| mcowger | 02-02-2007 12:51 PM |
[QUOTE=littlewhitewagon;16902242]O RLY? So you are telling me that every time that I got hit by a buttwipe, and I went and called their insurance (because there is always an extension to do this) to make a claim, and got my car repaired in days, I was incorrect in my actions? If the at fault driver accepts liability, then everything moves quickly. The ONLY time you want to use your own insurance is when there is going to be a lengthy investigation or a dispute over liabilty.
My statement above to my knowledge holds true for CA and I can not comment about other states.[/QUOTE]
Am I saying you didn't do that? No, I'm sure you did. Is it an OPTION? Yes. Is it often the best option, no, because the VAST majority of the time the other guy's insurance WONT accept liability prima facia, even if their insured party did. THATS why you call your own insurance and have them duke it out, because more often than not, there WILL be a dispute over liability, regardless of what the at fault driver admits.
I'm talking specifically about CA.
My statement above to my knowledge holds true for CA and I can not comment about other states.[/QUOTE]
Am I saying you didn't do that? No, I'm sure you did. Is it an OPTION? Yes. Is it often the best option, no, because the VAST majority of the time the other guy's insurance WONT accept liability prima facia, even if their insured party did. THATS why you call your own insurance and have them duke it out, because more often than not, there WILL be a dispute over liability, regardless of what the at fault driver admits.
I'm talking specifically about CA.
| theicewall | 02-02-2007 06:00 PM |
[QUOTE=303villain;16901737]Why would i not want to accept the check when they offer it? I dont know why they wouldnt pay to fix both sides since had he not hit me i wouldnt have gone past the tree. Im gonna fight to get as much as i can. I just want my car to look right.[/QUOTE]
Im not telling you that you shouldnt accept a check, im saying that you shouldnt allow them not to pay for the other side and not to take the check until they do. Tell them its in the report that the other side was damaged as a result of this accident and include a picture of the tree and the site.
Im not telling you that you shouldnt accept a check, im saying that you shouldnt allow them not to pay for the other side and not to take the check until they do. Tell them its in the report that the other side was damaged as a result of this accident and include a picture of the tree and the site.
| theicewall | 02-02-2007 06:01 PM |
^^^ ^^^ even if you have to use blue spray paint on the tree
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