Accident

Alpha D · 12-17-2014

Hey style

Need some advice, my 2002 Subaru wrx just got backed into its kinda bad. Trying to figure out the best way to get it quoted, and make sure absolutely nothing is missed. As far as i can tell it will need:

Hood(Paint)
Fenders(Paint)
Headlight
Radiator support/Cross bar?
Bumper
Bumper support beam
Bumper Cover
Fog lights
Fender liners
Hood latch support beam perhaps a hood latch as well

My concern is my car is obviously modified tastefully. Mishimoto radiator which dosnt appear to be damaged, neither does my condenser but then again its dark and cold i couldn't tell...oh and a None oem colored Hood, and of course a full 2005 Sti engine swap (irrelevant to the equation im sure they will go off the vin).

My question again is there anyway an individual can have an influence as to what goes on their car? Im thinking along the lines of "we cut you a check for the damages," you choose your repair facility or choose not to repair the vehicle at all. I guess being compensated at minimum for the damages would be fine.

It would just suck to take a hit when it comes to things like my Fog lights. Front lip ect ect The car started making funny noises on the way home almost like a dragging noise or so (irrelevant perhaps?) The alignment is off for sure...I thought about pulling over and towing it home, but decided to drive the few extra miles and made it home.

I got his drivers license and insurance information and need to figure out how to get most things quoted accurately preferably by somebody i could myself talk to?

Thanks guys,

AJ · 12-17-2014

You get a police report?

Alpha D · 12-17-2014

no since last I heard or read unless vehicles can not move or injures no reports will be fooled

b00sted_spyder · 12-17-2014

I'm pretty sure insurance company will need a police report.

**asshanson** · 12-17-2014

You should be able to take it to any shop of your choice and get an estimate on parts and labor for the replacement cost. I think that should include the STI parts on your car, like fogs or front lip. Their insurance can either pay the shop directly or cut you a check for the estimate.

Without a police report, I'm guessing it'll be hard for you to get their insurance company to pay for it though, they'll just claim equal fault or something and make you pay. Or if the person at fault admits it openly, then you can probably get their liability to cover it.

Alpha D · 12-17-2014

The only thing I have is a witness. The other driver said he would call it in....my mistake on the report. I need to figure out what to do for vehicle and work while it's in the shop....

tehehodi · 12-17-2014

Sounds like you got screwed over. Sell your subaru for 10k like every other rusty subaru asshat out there.

Alpha D · 12-17-2014

Yeah i dont know man...i wont be able to now with the front end all smashed in...i mean there is always court. He totally admitted fault...once he talks to his insurance company that story might change but for now...i guess a text message from him apologizing the eye witness and insurance info is all i got to go off...

AJ · 12-17-2014

Your best bet is likely to call the non emergency line for the local PD and tell them what happened and if it really is to late to file a report. Don't ask a forum, ask those who you can be sure of. Then take that reply to your insurance company and let them direct you.

Speedfreak · 12-17-2014

Regardless of who's insurance pays, you can dictate what parts are ordered and put on the car. Body shop generally doesn't care as long as lead time of parts will affect their turn around time. I believe you can get the check as well.

A couple friends ended up with better cars after similar situations.

Alpha D · 12-17-2014

I strongly am leaning towards the car going to Subaru...if this can of worms gets figured out tomorrow morning, I will call my insurance agency and if all pans out...taking into considerations the good ol "Beggars cant choose" mentality... ill take what is given to replace what was lost as far as the physical damage goes. If there is some flexibility i would like some OEM upgrades available through Subaru. Anyways for now i just need it all figured out and the vehicle absolutely needs to have OEM QUALITY PARTS no knock off garbage ect

I want to figure out whether to have my insurance estimator come out, or whether to take the vehicle in for the estimation and then provide my insurance company with the max estimate. I just do not want them to make me pick from a list of CHEAP HAND ME DOWN SHOP nonsense if that makes sense? That is the only reason why i asked for some advice from some of the more experienced individuals on the forum thats all...

carltalon · 12-18-2014

You don't need to call the police and file a report. IF you had called the police they would have told you to do exactly what you did. But you should definitly call your insurance company and get them on board. They will do everything they can to get the other drivers company to foot the bill. If you have a witness and the other driver admited guilt You shouldn't have to pay for any damages. As stated above. you can take the car to anywhere you like for repair and they will cut you a check. I always fix the car myself and pocket the extra money for go fast parts.

AwdGSX13 · 12-18-2014

Here is the deal, you have the other parties insurance info - call them and start a claim on his policy and explain what happen ect. ect. they will call him and get his side of the story/accident. 9/10 times this is not a big deal, not everyone out there is an asshole. If it was me, i would try and not get my own insurance involved unless it came down to it. but thats just me. Let me know what insurance company he has and if you want i would be glad to help you. As far as the parts on the car - they owe you for what you have. Not a big deal to get the same parts replaced. You just need to provide the info of where you got them and brand and whatever else. MN law states that insurance companies can not use non - oem( i dont mean a/m perf. parts but orig. body parts) parts on your car without your consent, if they do this then they are breaking the law.

Many insurance companies like to send out appraisers to look at your vehicle first which is fine, they will cut you a check most likely and then you can bring it wherever you want. If the bill is more at the shop they can supplement the insurance company for additional costs if deemed related. More often than not accidents are really not that big of a deal in the end.

Also when that insurance company takes responsibility for the damages, they will cover the cost of a rental vehicle while it is in for repairs.

I am an estimator for a body shop and if you need any help with this i would be glad to give you a hand.

Alpha D · 12-18-2014

Thanks a ton Matt!

AwdGSX13 · 12-18-2014

Yeah, no problem. Let me know if you need anymore help. Progressive is a good company to deal with imo.

Alpha D · 12-18-2014

Quote:

Originally Posted by carltalon

You don't need to call the police and file a report. IF you had called the police they would have told you to do exactly what you did. But you should definitly call your insurance company and get them on board. They will do everything they can to get the other drivers company to foot the bill. If you have a witness and the other driver admited guilt You shouldn't have to pay for any damages. As stated above. you can take the car to anywhere you like for repair and they will cut you a check. I always fix the car myself and pocket the extra money for go fast parts.

I feel ya on that one bro go fast parts. Ive been dealing with insurance agency's all day and its an experience to be marked thats for sure. Im in contact with Matt's shop to see what can be figured out...it might look like the car could potentially get totaled out though that needs to be avoided at all cost! Only because i owe some cash on the loan for that car...at best the damages will go straight to the lean holder...so a bit of adjustments to the plan of attack needs to be made.

I got the hood open and yeah there is a bit more damage then i thought which is not GOOD!

SlowWhite · 12-18-2014

All I can say is no matter what dont use any shop an I insurance suggests. They get paid/used because they promise to keep the costs to the insurance company down.

And dont get suckered unto. "If you use our insurance company's people" you get a 2yr warranty" as soon as you pick up the car thats void because they can claim tjere is no way to tell if you did something new etc.

And over claim /check every thing yourself. Was the car parked? Moving? Is the alignment now off, camber issues, etc.

Insurance companies are a scam and will do what ever they can to get out of paying for stuff as well as over depreciate your car to help there bottom line.

Had a horrific year with them this year with my wife getting hit by other people on 3 occasions.

None of them were her fault and some how even though the insurance company was to pay for all damages. It still cost me over $2,000 out of my own pocket to fix her car because they said there was no way certain damages could have been caused by the accidents.

AwdGSX13 · 12-19-2014

Any reputable shop would give a lifetime warranty to cover the one the insurance company would give if you used there "preferred" network.

Alpha D · 12-19-2014

Quote:

Originally Posted by AwdGSX13

Any reputable shop would give a lifetime warranty to cover the one the insurance company would give if you used there "preferred" network.

Thats what i would think....

Alpha D · 12-19-2014

Quote:

Originally Posted by SlowWhite

All I can say is no matter what dont use any shop an I insurance suggests. They get paid/used because they promise to keep the costs to the insurance company down.

And dont get suckered unto. "If you use our insurance company's people" you get a 2yr warranty" as soon as you pick up the car thats void because they can claim tjere is no way to tell if you did something new etc.

And over claim /check every thing yourself. Was the car parked? Moving? Is the alignment now off, camber issues, etc.

Insurance companies are a scam and will do what ever they can to get out of paying for stuff as well as over depreciate your car to help there bottom line.

Had a horrific year with them this year with my wife getting hit by other people on 3 occasions.

None of them were her fault and some how even though the insurance company was to pay for all damages. It still cost me over $2,000 out of my own pocket to fix her car because they said there was no way certain damages could have been caused by the accidents.

If the car is going to shop then yeah i have a place Im already considering it to go as mentioned. But yeah if there is any other issues afterwards ...as in after i pick my vehicle up...its going right back to my old dealer to make sure all is inspected over again...put on a Alignment rack if it wasnt already done by the previous shop...and as i found out talking to awd claims can be re opened if something wasnt fixed. I will not hesitate a second to do this either literally the slightest creek i hear repair it!