Rear ended
03-17-2016, 01:29 PM
#41
Instructor
Member Since: Jan 2015
Location: Baltimore Maryland
Posts: 101
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Not sure I would use the before photo though - looks like you were parked unecessarily on a shoulder for the purposes of taking a cute photo. Don't want your insurance company to think you are a reckless law breaker
03-17-2016, 01:38 PM
#42
Racer
1) If you are injured, look into getting medical treatment. Even if you think there is nothing wrong, you might want to go get it looked at. Everything is "Free" after all, you will get all this money back and more.
2) Get a lawyer who will work on contingency. This means that he makes 1/3 of the cut of whatever money you get from the other party. Gives him more motivation to "close out your case asap." Tell him you want to file for a emotional distress/personal injury/pain and suffering case.
3) File a diminished value claim DIRECTLY with GEICO. Don't let the lawyer offer to do this part for you as that will give him the right to this piece of the pie as well. DV is the value of your car, pre vs post accident. Even if the car is fully repair to 100% condition, the mere fact of having been in an accident reduces the sell back value. DV is the number that difference.
4) Take it to the dealer to be repaired. Since it is the other guy's fault, cost isn't a factor. You just want it repaired professionally. Also, the bigger the repair bill, the more you are likely to get from the DV Claim.
Use that extra 15k you just won, and bronate some of it to me
2) Get a lawyer who will work on contingency. This means that he makes 1/3 of the cut of whatever money you get from the other party. Gives him more motivation to "close out your case asap." Tell him you want to file for a emotional distress/personal injury/pain and suffering case.
3) File a diminished value claim DIRECTLY with GEICO. Don't let the lawyer offer to do this part for you as that will give him the right to this piece of the pie as well. DV is the value of your car, pre vs post accident. Even if the car is fully repair to 100% condition, the mere fact of having been in an accident reduces the sell back value. DV is the number that difference.
4) Take it to the dealer to be repaired. Since it is the other guy's fault, cost isn't a factor. You just want it repaired professionally. Also, the bigger the repair bill, the more you are likely to get from the DV Claim.
Use that extra 15k you just won, and bronate some of it to me
Last edited by RajeeK; 03-17-2016 at 01:46 PM.
03-17-2016, 01:40 PM
#43
Racer
03-18-2016, 08:37 AM
#44
Drifting
Thread Starter
The driver had been trailing me with several car lengths between us. Guessing he received an interesting text.
03-18-2016, 09:54 AM
#45
Safety Car
No text more interesting when it comes to getting rear ended.They have technology that when your in A runnng vehicle no phone service.Money always takes 1st place,safety comes in 2nd.Learned that from driving tractor trailers.
They say hands free phones are safe.Not true.Sorry If I get off the subject.I always get reminded of it.
They say hands free phones are safe.Not true.Sorry If I get off the subject.I always get reminded of it.
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joemessman (03-18-2016)
03-18-2016, 12:18 PM
#46
Le Mans Master
The result was no diminished value of my trade-in as this came up after negotiating the price and the damage was minor.
03-22-2016, 05:45 PM
#47
Drifting
Thread Starter
PART II - The GEICO Saga
So I took the car in for two estimates before meeting with the GEICO "adjuster".
Service King told me to get lost until I spoke to GEICO.
Collision Fix Unlimited, who gave me a price to return my car to 100% new, said repairing is unacceptable due to the vette's twisting motion, replacement is in order.
GEICO said they'd repair (about 3' stretch of bondo/fiber glass?) but not replace the upper damage (painted area) but would replace the lower damage (black). They might replace my license plate bracket but definitely NOT my license plate. There is no diminished value attached to the repair, that we'd be treated fairly by any dealer or individual (that young man needs a taste of adult life) regardless of the Car Fax.
Also, the long stress lines on the sides, near the top, were a defective Xpel install (his opinion) not actual damage (CFU pointed out the lines at the estimate).
Total GEICO estimate ... $1,200.00
Parked at CFU at the moment. GEICO was kind enough to spec in one hour of labor for the damage to the right of the Corvette lettering.
... As The World Turns
So I took the car in for two estimates before meeting with the GEICO "adjuster".
Service King told me to get lost until I spoke to GEICO.
Collision Fix Unlimited, who gave me a price to return my car to 100% new, said repairing is unacceptable due to the vette's twisting motion, replacement is in order.
GEICO said they'd repair (about 3' stretch of bondo/fiber glass?) but not replace the upper damage (painted area) but would replace the lower damage (black). They might replace my license plate bracket but definitely NOT my license plate. There is no diminished value attached to the repair, that we'd be treated fairly by any dealer or individual (that young man needs a taste of adult life) regardless of the Car Fax.
Also, the long stress lines on the sides, near the top, were a defective Xpel install (his opinion) not actual damage (CFU pointed out the lines at the estimate).
Total GEICO estimate ... $1,200.00
Parked at CFU at the moment. GEICO was kind enough to spec in one hour of labor for the damage to the right of the Corvette lettering.
... As The World Turns
Last edited by DCortez; 03-22-2016 at 05:47 PM. Reason: punctuation, etc.
03-22-2016, 05:51 PM
#48
Drifting
Thread Starter
Did speak to my insurance company, they said to contact them if GEICO wasn't taking care of things. CFU said they'd talk to their GEICO contact.
Keeping everything in a holding pattern until I hear back from CFU, no work is to be done without my ok.
Keeping everything in a holding pattern until I hear back from CFU, no work is to be done without my ok.
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C6MagRed (03-22-2016)
03-22-2016, 06:06 PM
#49
Le Mans Master
After this is over you need to shop for a different insurance company.
03-22-2016, 06:18 PM
#50
Drifting
Thread Starter
It's your insurance company's responsibility to work with the other driver's insurance company, not yours! In fact, since you have car insurance your insurance company should being paying for the repairs then it's their responsibility to go after GEICO to get their money back.
After this is over you need to shop for a different insurance company.
After this is over you need to shop for a different insurance company.
Traveler's covers the vette and a couple of truck, GEICO covers two trucks and my home. Think it's time for a double dump.
03-22-2016, 06:29 PM
#51
What I have learned from personal experience over the last year. My car was totaled by a women who took a left into the side of my car. I have surgery coming up as well.
1. People can be rotten, and don't put it past the person who rear ended you to get a lawyer who will drag you into ridiculous litigation blaming you for the accident.
2. Litigation is a daily HEADACHE and STRESSFUL, and I can't wait until it is over.
1. People can be rotten, and don't put it past the person who rear ended you to get a lawyer who will drag you into ridiculous litigation blaming you for the accident.
2. Litigation is a daily HEADACHE and STRESSFUL, and I can't wait until it is over.
03-22-2016, 06:30 PM
#52
Burning Brakes
DV is different in Texas than many other states. I'm not pursuing it and don't believe it will cost me when I sell.
Good luck!
03-22-2016, 07:10 PM
#53
Burning Brakes
What a bummer.. two different vette accident threads this week, both threads turn into a flame fest.
It amazes me how many people here - fellow enthusiasts no less - go out of their way to take a chit on someone else. There's a few here that make chitting on others a hobby. Why not save it for a political forum? For partisans who are actually deserving a$$holes?
Actually, what we need is a very thick skinned forum canary, someone who takes it all the time, but dishes it, that person would bring everyone together. A BMW driver perhaps who hates america and americans.
But man, big ole bag of dicks in this forum.
It amazes me how many people here - fellow enthusiasts no less - go out of their way to take a chit on someone else. There's a few here that make chitting on others a hobby. Why not save it for a political forum? For partisans who are actually deserving a$$holes?
Actually, what we need is a very thick skinned forum canary, someone who takes it all the time, but dishes it, that person would bring everyone together. A BMW driver perhaps who hates america and americans.
But man, big ole bag of dicks in this forum.
03-22-2016, 07:17 PM
#54
I am also working with GEICO today and was told the same thing by my provider Allstate. Sucks man. ****** week for us. Hope it all gets worked out for you.
03-22-2016, 07:50 PM
#56
Where I live we have no fault ins. No matter who is at fault, your insurance pays. If you are not at fault the deductible is waved and the accident does not count as a claim. The repairs are done by a bodyshop of your choice.
Insurance companies love it because they have eliminated all the lawyers and they only deal with their own customer.
Insurance companies love it because they have eliminated all the lawyers and they only deal with their own customer.
03-22-2016, 09:56 PM
#57
Safety Car
Member Since: Oct 2012
Location: Austin Texas
Posts: 4,794
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St. Jude Donor '15
In 2009 my wife's car, less than 500 miles on it was hit by a truck while she was stopped to make a left hand turn, the truck driver was covered by Gieco and we made an appointment to see the adjuster. They gave us an estimate of $1700 and did not want to give us a rental car as it was Friday and the car could not get into a shop until Monday.
I pointed out that the tail lights were all broken and it is against the law to drive a car with out them...got the rental.
We took the car to the dealer to have the repairs done and the body shop laughed at the estimate, they said it was closer to $3000. When we showed concern about the difference the foreman said it would not be problem as the insurance company would cover the cost even though it was over the estimate. The final bill came to $4700 as the tub was cracked and needed to be repaired, by the way the car was a 2009 Saturn Sky ( red, of course ).
So what they say and what is actually done repair wise can be vastly different than what they quote you for an estimate.
I doubt that any self respecting repair shop would "bondo" a late model Corvette. Repairing the car with fiberglass may be the option and I have seen work done by a good glass man that is flawless. No way to tell that the work has been done.
Stand your ground and refuse used parts, quick fixes and low balled estimates. Your right under Texas law in how your car is repaired are outlined in your policy, fairly easy to understand.
The good body shop foreman will refuse reworked parts by saying they did not fit and will get new parts for you. Find the best body shop in Houston and get their take on the repair and let Gieco handle the rest.
Get your car fixed the way you want it, not the way the cheesy insurance company wants it.
They are in it for the money and not the good will that we would hope an insurance company would want to convey. It's bottom line to them...and don't forget that the guy is going to have his rates go up to cover what he has already paid for...and that is insurance to cover mishaps such as this.
Good luck on the repair.
Sorry for the long post...I ramble at times.
Last edited by rcooper; 03-22-2016 at 09:58 PM.
03-23-2016, 09:31 AM
#58
Drifting
1) If you are injured, look into getting medical treatment. Even if you think there is nothing wrong, you might want to go get it looked at. Everything is "Free" after all, you will get all this money back and more.
2) Get a lawyer who will work on contingency. This means that he makes 1/3 of the cut of whatever money you get from the other party. Gives him more motivation to "close out your case asap." Tell him you want to file for a emotional distress/personal injury/pain and suffering case.
3) File a diminished value claim DIRECTLY with GEICO. Don't let the lawyer offer to do this part for you as that will give him the right to this piece of the pie as well. DV is the value of your car, pre vs post accident. Even if the car is fully repair to 100% condition, the mere fact of having been in an accident reduces the sell back value. DV is the number that difference.
4) Take it to the dealer to be repaired. Since it is the other guy's fault, cost isn't a factor. You just want it repaired professionally. Also, the bigger the repair bill, the more you are likely to get from the DV Claim.
Use that extra 15k you just won, and bronate some of it to me
2) Get a lawyer who will work on contingency. This means that he makes 1/3 of the cut of whatever money you get from the other party. Gives him more motivation to "close out your case asap." Tell him you want to file for a emotional distress/personal injury/pain and suffering case.
3) File a diminished value claim DIRECTLY with GEICO. Don't let the lawyer offer to do this part for you as that will give him the right to this piece of the pie as well. DV is the value of your car, pre vs post accident. Even if the car is fully repair to 100% condition, the mere fact of having been in an accident reduces the sell back value. DV is the number that difference.
4) Take it to the dealer to be repaired. Since it is the other guy's fault, cost isn't a factor. You just want it repaired professionally. Also, the bigger the repair bill, the more you are likely to get from the DV Claim.
Use that extra 15k you just won, and bronate some of it to me
03-23-2016, 10:09 AM
#59
PART II - The GEICO Saga
So I took the car in for two estimates before meeting with the GEICO "adjuster".
Service King told me to get lost until I spoke to GEICO.
Collision Fix Unlimited, who gave me a price to return my car to 100% new, said repairing is unacceptable due to the vette's twisting motion, replacement is in order.
GEICO said they'd repair (about 3' stretch of bondo/fiber glass?) but not replace the upper damage (painted area) but would replace the lower damage (black). They might replace my license plate bracket but definitely NOT my license plate. There is no diminished value attached to the repair, that we'd be treated fairly by any dealer or individual (that young man needs a taste of adult life) regardless of the Car Fax.
Also, the long stress lines on the sides, near the top, were a defective Xpel install (his opinion) not actual damage (CFU pointed out the lines at the estimate).
Total GEICO estimate ... $1,200.00
Parked at CFU at the moment. GEICO was kind enough to spec in one hour of labor for the damage to the right of the Corvette lettering.
... As The World Turns
So I took the car in for two estimates before meeting with the GEICO "adjuster".
Service King told me to get lost until I spoke to GEICO.
Collision Fix Unlimited, who gave me a price to return my car to 100% new, said repairing is unacceptable due to the vette's twisting motion, replacement is in order.
GEICO said they'd repair (about 3' stretch of bondo/fiber glass?) but not replace the upper damage (painted area) but would replace the lower damage (black). They might replace my license plate bracket but definitely NOT my license plate. There is no diminished value attached to the repair, that we'd be treated fairly by any dealer or individual (that young man needs a taste of adult life) regardless of the Car Fax.
Also, the long stress lines on the sides, near the top, were a defective Xpel install (his opinion) not actual damage (CFU pointed out the lines at the estimate).
Total GEICO estimate ... $1,200.00
Parked at CFU at the moment. GEICO was kind enough to spec in one hour of labor for the damage to the right of the Corvette lettering.
... As The World Turns
03-23-2016, 05:34 PM
#60
Drifting
Thread Starter
Service writer at the body shop said there is flexing in the vette and that "bondo style repairs" might not hold up. One friend, who has the Z06 60th anniversary car, said they didn't come in convertible because of flexing.
All new to me, maybe someone in the know can shine a light.