Bummed out about wreck
Thread Starter
Instructor
Joined: Sep 2005
Posts: 144
Likes: 1
From: Collierville TN
Bummed out about wreck
I was hit on the the way home April 13th. I young driver did a unusual u-turn and hit me at the driver door. His insurance is declining liability so I will have to file suit. Everyone knows that litigation will take months and I want my car fixed now. Unfortunatly my insurance covers everything except collision. What do you guys think. Should I tackle this myself.
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Tech Contributor
Joined: Jun 2004
Posts: 20,931
Likes: 962
From: I tend to be leery of any guy who doesn't own a chainsaw or a handgun.
It all looks repairable with the normal fiberglassing methods (A lot of us have been there in one fashion or another). Please get a couple of body shop estimates though to document what your personal time and efforts were worth doing the repair.
Race Director
Joined: Sep 1999
Posts: 11,361
Likes: 383
From: Plano TX
If you decided to go after litigation you really should have a shop do it. That way you will have the shops "independent" assessment of the damage and a receipt that shows your costs. If you do it yourself it will be much harder to show the court how much the repairs cost.
Drifting
Joined: Nov 2005
Posts: 1,795
Likes: 1
i cant understand why they denied the claim.
was the kid ticketed for the u-turn?
did they feel it was your fault?
either way it SUCKS and if the kid was ticketed
you should be able to get your insurance co
to help with your fight.
well at least here in NJ they would help dont know about
down there.
was the kid ticketed for the u-turn?
did they feel it was your fault?
either way it SUCKS and if the kid was ticketed
you should be able to get your insurance co
to help with your fight.
well at least here in NJ they would help dont know about
down there.
Team Owner
Joined: Jun 2000
Posts: 38,923
Likes: 1,482
From: Southbound
Cruise-In II Veteran
Nothing here you can't remedy yourself with a reasonable knowledge of fiberglass repair. My advice is to see what your attorney has to say before undertaking any repairs. You don't want to inadvertently shoot yourself in the legal foot.
Safety Car
Joined: Jun 2002
Posts: 4,764
Likes: 2,513
From: Buckeye, AZ
St. Jude Donor '12-'13
I had this same situation with insurance if you don't want to do it yourself. Have your agent file the claim. They will fix your car and they will go after the other company to pay. You will have to pay your deductable and then it will get reimbursed when they collect from the other company. I have always got my money back with about a month or two. If it was not your fault it will not be a "ding" against you. I had a similar situation when I got tail ended on the Bloomington Gold drive out. The other parties insurance was not willing to put on a
GM resto or orignal equivalent part; just the cheapest they could find. When I balked they said our client doesn't have that type of coverage of which I said, "but I do, and I was the one wronged by your client". They said "tough", I said "I'll talk to my insurance comapny" (State Farm). State Farm said "BS", fixed my car with GM resto and went after the other company. I have learned to never hassle directly if they give you a hassle. You pay for your insurance company to take up the fight on your behalf. Yes as with many things there may be time delays. It is not he damage itself that sucks it's the inconvience of it all that will drive you nuts! Good luck whatever you decide to do.
GM resto or orignal equivalent part; just the cheapest they could find. When I balked they said our client doesn't have that type of coverage of which I said, "but I do, and I was the one wronged by your client". They said "tough", I said "I'll talk to my insurance comapny" (State Farm). State Farm said "BS", fixed my car with GM resto and went after the other company. I have learned to never hassle directly if they give you a hassle. You pay for your insurance company to take up the fight on your behalf. Yes as with many things there may be time delays. It is not he damage itself that sucks it's the inconvience of it all that will drive you nuts! Good luck whatever you decide to do.
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Race Director
Joined: Feb 1999
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From: Lenoir City Tennessee
Ci 6, 8 & 10 Veteran
St. Jude Donor '05-'06-'07-'08-'09-'10-'11-'12-'13-'14-'15
Did you get the police report yet? Does it say that the other driver was at fault. If so, you need to get after them. With him doing a U-turn into you, it would seem the guy has to be at fault.
You did get the police involved right?
You did get the police involved right?
Thread Starter
Instructor
Joined: Sep 2005
Posts: 144
Likes: 1
From: Collierville TN
I have not seen the police report. The police did tell me he was ticketed for the accident. I do plan on getting an estimate today. There is a deep gash in the rear tire. In order for me to take it for an estimate I would have to put on that gorgeous donut spare. My big question is does it look like I will need to replace the rear quarter panel or not?????
Race Director
Joined: Sep 1999
Posts: 11,361
Likes: 383
From: Plano TX
Originally Posted by Eddie 70
Did you get the police report yet? Does it say that the other driver was at fault.
Team Owner
Joined: Jun 2000
Posts: 38,923
Likes: 1,482
From: Southbound
Cruise-In II Veteran
Originally Posted by rrhodes4
...My big question is does it look like I will need to replace the rear quarter panel or not?????
Melting Slicks
Joined: Aug 2005
Posts: 2,560
Likes: 5
From: the land of a never ending frame-off resto-mod. May Visa have mercy on my soul.
Get some outside estimates and take the kid to small claims court. Be ready to chase him for the money it can be done. When you file for small claims you include everything.....court fees, mileage, car rentals for the amount of days in the shop, all parts and labor, and any other potential losses you can think of. The judge will determine the damages.
Racer
Joined: Aug 2005
Posts: 435
Likes: 2
From: Boise Idaho
Originally Posted by gliot1
I had this same situation with insurance if you don't want to do it yourself. Have your agent file the claim. They will fix your car and they will go after the other company to pay. You will have to pay your deductable and then it will get reimbursed when they collect from the other company. I have always got my money back with about a month or two. If it was not your fault it will not be a "ding" against you. I had a similar situation when I got tail ended on the Bloomington Gold drive out. The other parties insurance was not willing to put on a
GM resto or orignal equivalent part; just the cheapest they could find. When I balked they said our client doesn't have that type of coverage of which I said, "but I do, and I was the one wronged by your client". They said "tough", I said "I'll talk to my insurance comapny" (State Farm). State Farm said "BS", fixed my car with GM resto and went after the other company. I have learned to never hassle directly if they give you a hassle. You pay for your insurance company to take up the fight on your behalf. Yes as with many things there may be time delays. It is not he damage itself that sucks it's the inconvience of it all that will drive you nuts! Good luck whatever you decide to do.
GM resto or orignal equivalent part; just the cheapest they could find. When I balked they said our client doesn't have that type of coverage of which I said, "but I do, and I was the one wronged by your client". They said "tough", I said "I'll talk to my insurance comapny" (State Farm). State Farm said "BS", fixed my car with GM resto and went after the other company. I have learned to never hassle directly if they give you a hassle. You pay for your insurance company to take up the fight on your behalf. Yes as with many things there may be time delays. It is not he damage itself that sucks it's the inconvience of it all that will drive you nuts! Good luck whatever you decide to do.
This is good advice.
It is repairable.
Make your insurance agent work for you.
No collision shouldn't matter, Comprehensive may. Lots of variable there.
Talk with a lawyer.
Sorry to hear about the accident. It a fear we live with. I'm glad you were able to walk away.
Racer
Joined: May 2004
Posts: 357
Likes: 0
From: Toms River NJ
If he has no collision coverage, which it seems is the case, his insurance company can not help him. This is def. a collision loss. Comprehensive is basically fire, theft, and vandalism. The only way an insurance company can help in the recovery of money from another party is if they have paid out money. In a loss like this without collision coverage that will not happen.