C6 accident update update
Thread Starter
Racer
Joined: Jun 2005
Posts: 393
Likes: 0
C6 accident update update
I posted my tale of woe a few weeks ago about my '06 getting hit in the rear. What ever you do go don't get hit. After two weeks they are finally going to start on the car on Monday. Why so long you might ask? Aluminum wheels and quarter panels are not readily available. Can they match the paint? Nope. The Monterey Red has to blended in order for the paint job to go undetected. The good news is that State Farm Warranties the repair for the life of the car. Is it transferrable? I don't know yet. Why did I go through my insurance company when it was the other drivers fault? He has minimum coverage and the face amount may not be enough to cover the damage. How much out of the pocket expense will I incur? I have to pay a $500 deductible. All for the pleasure of someone hitting my car. I could get the deductible back if State Farm can collect it from the insured. Is there any good news? Yes, the Chevy dealer does all the work there on their premises. The tech working on the car is certified on Corvettes. The Chevy dealer has a great reputation on repairs.
Le Mans Master
Joined: May 2006
Posts: 8,824
Likes: 3
From: The left Coast
St. Jude Donor '08
Hope it works out but you do know your insurance rates will be going up for making a claim. My wife's ML320 was rearended twice. Both times was not her fault. She was sitting at a stop light. It took three years to get that off our insurance even though we never filed a claim. Insurance companies will use anything to raise your rates.
Burning Brakes
Joined: Dec 2004
Posts: 1,075
Likes: 3
From: Penn Valley California
I have had State Farm insurance for 30 years,and the reason I have stayed is for the service should an accident occur.Though I personally haven't had any my teenage kids sure did,and most were not their fault.State Farm has always allowed us to take our cars to the shop of our choice,giving us immediate estimates so we could get fixed ASAP regardless of the offender's insurance coverage(which was usually the cheesiest around).The body shop loved them because they got paid immediately as well.Then State Farm went after the other ins. co. with their team and we went on with our lives.If all else fails on the collection of your deductable small claims court( though a pain) is an option to collect it from the driver who hit you.Our insurance has never gone up on collisions where it was not our fault.State Farm will take good care of you.
Melting Slicks
Joined: Apr 2006
Posts: 2,804
Likes: 0
From: South HOUSTON TEXAS
St. Jude Donor '03-'04-'05-'06-'07-'08-'09
Originally Posted by mlongo99
What a nightmare. I pray I never have to deal with that. No matter what, it's never as good as new. 
Me too!!!!!!! Sry for your
Team Owner
Joined: Dec 2002
Posts: 32,074
Likes: 296
From: San Francisco CA
Originally Posted by BlackMark
I have had State Farm insurance for 30 years,and the reason I have stayed is for the service should an accident occur.Though I personally haven't had any my teenage kids sure did,and most were not their fault.State Farm has always allowed us to take our cars to the shop of our choice,giving us immediate estimates so we could get fixed ASAP regardless of the offender's insurance coverage(which was usually the cheesiest around).The body shop loved them because they got paid immediately as well.Then State Farm went after the other ins. co. with their team and we went on with our lives.If all else fails on the collection of your deductable small claims court( though a pain) is an option to collect it from the driver who hit you.Our insurance has never gone up on collisions where it was not our fault.State Farm will take good care of you.
Moderator
Joined: Dec 2002
Posts: 40,899
Likes: 4,352
From: Lakewood Ranch, FL
Originally Posted by Maui
Hope it works out but you do know your insurance rates will be going up for making a claim. My wife's ML320 was rearended twice. Both times was not her fault. She was sitting at a stop light. It took three years to get that off our insurance even though we never filed a claim. Insurance companies will use anything to raise your rates.
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Melting Slicks
Joined: Nov 2004
Posts: 2,144
Likes: 0
From: Roselle Park NJ
St. Jude Donor '07 thru '25
We needed some warranty repairs and paint to the front of our '05 Mag Red Coupe.
Our dealer sent the car to a body shop that they said was certified by GM.
Never heard of this but the repair job was perfect and the paint matches 100%.
Also if you live in NJ or Eastern PA, New Jersey Manufacturers Ins. is the way to go. Had them for 36 years and never paid a nickel extra for an accident or the occasional ticket.
Our dealer sent the car to a body shop that they said was certified by GM.
Never heard of this but the repair job was perfect and the paint matches 100%.
Also if you live in NJ or Eastern PA, New Jersey Manufacturers Ins. is the way to go. Had them for 36 years and never paid a nickel extra for an accident or the occasional ticket.
Team Owner
Joined: May 2005
Posts: 47,038
Likes: 66
From: Albuquerque NM
St. Jude Donor '08 thru '24
I believe in the Beer Fairy
USAF (Retired) 1979-2001
Originally Posted by leeman
Why did I go through my insurance company when it was the other drivers fault? He has minimum coverage and the face amount may not be enough to cover the damage. How much out of the pocket expense will I incur? I have to pay a $500 deductible.
Team Owner
Joined: May 2005
Posts: 47,038
Likes: 66
From: Albuquerque NM
St. Jude Donor '08 thru '24
I believe in the Beer Fairy
USAF (Retired) 1979-2001
Originally Posted by Maui
Hope it works out but you do know your insurance rates will be going up for making a claim. My wife's ML320 was rearended twice. Both times was not her fault. She was sitting at a stop light. It took three years to get that off our insurance even though we never filed a claim. Insurance companies will use anything to raise your rates.
1. Kid with no insurance rearended my 528i. My uninsured motorist covered repairs.
2. Car wash allowed a large truck to rearend my 740i. They paid cash to repair.
3. Guy with minimum liability rearended my Escalade. His insurance paid to limit; my underinsured motorist made up the small difference.
Melting Slicks
Joined: Feb 2006
Posts: 2,574
Likes: 136
From: Simi Valley California
St. Jude Donor '06-'07-'10, '15. '22-'23
Originally Posted by Force-1
Do you have underinsured motorist on your policy? If so, make a claim against the other guy's insurance up to the limit, then your insurance company will pay the rest under underinsured motorist (provided it's clear the other driver was at fault).
There is also uninsured motorist property damage coverage (you would not have this since you h ave collision coverage) and a UMPD waiver (that would eliminate your deductible) but these only apply if the other driver is uninsured, not underinsured.
State Farm should reimburse your deductible when they subrogate against the responsible parties carrier and get paid by them. Usually the larger companies give dollar one to their insured for their deductible, even if they are unable to collect 100% of the damage they paid out as the limits are insufficient. Other carriers pro-rate the deductible based on the percentage of damages recovered.
Team Owner
Joined: Oct 2004
Posts: 27,420
Likes: 64
From: San Clemente CA
Originally Posted by It'sHerVette!
We needed some warranty repairs and paint to the front of our '05 Mag Red Coupe.
Our dealer sent the car to a body shop that they said was certified by GM.
Never heard of this but the repair job was perfect and the paint matches 100%.
Also if you live in NJ or Eastern PA, New Jersey Manufacturers Ins. is the way to go. Had them for 36 years and never paid a nickel extra for an accident or the occasional ticket.
Our dealer sent the car to a body shop that they said was certified by GM.
Never heard of this but the repair job was perfect and the paint matches 100%.
Also if you live in NJ or Eastern PA, New Jersey Manufacturers Ins. is the way to go. Had them for 36 years and never paid a nickel extra for an accident or the occasional ticket.
Team Owner
Joined: May 2005
Posts: 47,038
Likes: 66
From: Albuquerque NM
St. Jude Donor '08 thru '24
I believe in the Beer Fairy
USAF (Retired) 1979-2001
Originally Posted by C6 MoneyPit
Underinsured motorist coverage is for bodily injury, and it sounds like his claim was property damage only?
Uninsured/Underinsured Motorists Property Damage coverage covers damage to your property resulting from an accident caused by an uninsured, underinsured or hit-and-run motorist.
Underinsured Motorists Property Damage (UIMPD) Underinsured Motorists Property Damage coverage pays for the damage to your vehicle by a driver who does not have enough insurance to pay for the damages.
Example:
If another driver causes damage to your vehicle, and their insurance is not enough to pay for the repairs to your vehicle, the coverage will pay for the repairs up to the limit you have chosen. A deductible would be taken from the total payout you receive.
Things you should consider:
Given their high cost, you need to make sure you have enough coverage to cover the value of your vehicles.
Guest
Posts: n/a
Originally Posted by BlackMark
I have had State Farm insurance for 30 years,and the reason I have stayed is for the service should an accident occur.Though I personally haven't had any my teenage kids sure did,and most were not their fault.State Farm has always allowed us to take our cars to the shop of our choice,giving us immediate estimates so we could get fixed ASAP regardless of the offender's insurance coverage(which was usually the cheesiest around).The body shop loved them because they got paid immediately as well.Then State Farm went after the other ins. co. with their team and we went on with our lives.If all else fails on the collection of your deductable small claims court( though a pain) is an option to collect it from the driver who hit you.Our insurance has never gone up on collisions where it was not our fault.State Farm will take good care of you.
Harry
CF Senior Member
Joined: Feb 2006
Posts: 23,313
Likes: 25
From: Tucson Arizona
Sorry for your troubles and although I understand your desire to get the car repaired quickly, (as someone else said) your insurance company will increase your rates for filing a claim.
Your insurance company will likely not make much of an effort to subrogate the damages by going-after the other guy because of what they will recover through the increase in your premium. It's simply not worth their effort.
It's a done deal now and I understand why but in general, people should make every effort to go after at-fault, uninsured or underinsured motorists. Run a background check on the person...does he/she own property? Often it's like trying to get blood from a turnip so you have to file a claim with your own insurance but it's still worth the effort beforehand. Sometimes the at-fault party will pony-up rather than face legal proceedings.
Your insurance company will likely not make much of an effort to subrogate the damages by going-after the other guy because of what they will recover through the increase in your premium. It's simply not worth their effort.
It's a done deal now and I understand why but in general, people should make every effort to go after at-fault, uninsured or underinsured motorists. Run a background check on the person...does he/she own property? Often it's like trying to get blood from a turnip so you have to file a claim with your own insurance but it's still worth the effort beforehand. Sometimes the at-fault party will pony-up rather than face legal proceedings.
Melting Slicks
Joined: Feb 2006
Posts: 2,574
Likes: 136
From: Simi Valley California
St. Jude Donor '06-'07-'10, '15. '22-'23
Originally Posted by Force-1
Not necessarily true--this comes directly from my insurance company web site:
Uninsured/Underinsured Motorists Property Damage coverage covers damage to your property resulting from an accident caused by an uninsured, underinsured or hit-and-run motorist.
Underinsured Motorists Property Damage (UIMPD) Underinsured Motorists Property Damage coverage pays for the damage to your vehicle by a driver who does not have enough insurance to pay for the damages.
Example:
If another driver causes damage to your vehicle, and their insurance is not enough to pay for the repairs to your vehicle, the coverage will pay for the repairs up to the limit you have chosen. A deductible would be taken from the total payout you receive.
Things you should consider:
Given their high cost, you need to make sure you have enough coverage to cover the value of your vehicles.
Uninsured/Underinsured Motorists Property Damage coverage covers damage to your property resulting from an accident caused by an uninsured, underinsured or hit-and-run motorist.
Underinsured Motorists Property Damage (UIMPD) Underinsured Motorists Property Damage coverage pays for the damage to your vehicle by a driver who does not have enough insurance to pay for the damages.
Example:
If another driver causes damage to your vehicle, and their insurance is not enough to pay for the repairs to your vehicle, the coverage will pay for the repairs up to the limit you have chosen. A deductible would be taken from the total payout you receive.
Things you should consider:
Given their high cost, you need to make sure you have enough coverage to cover the value of your vehicles.
Melting Slicks
Joined: Jan 2005
Posts: 2,923
Likes: 1
From: The Corner of No and Where Arkansas
St. Jude Donor '05-'06-'07-'10
Originally Posted by BlackMark
I have had State Farm insurance for 30 years,and the reason I have stayed is for the service should an accident occur.Though I personally haven't had any my teenage kids sure did,and most were not their fault.State Farm has always allowed us to take our cars to the shop of our choice,giving us immediate estimates so we could get fixed ASAP regardless of the offender's insurance coverage(which was usually the cheesiest around).The body shop loved them because they got paid immediately as well.Then State Farm went after the other ins. co. with their team and we went on with our lives.If all else fails on the collection of your deductable small claims court( though a pain) is an option to collect it from the driver who hit you.Our insurance has never gone up on collisions where it was not our fault.State Farm will take good care of you.
I agree, State Farm and especially our agent has always done us right. Use your agent to the fullest. That is how he makes his money by taking care of you. Good Luck on getting your vette back just like new.
Instructor
Joined: Dec 2005
Posts: 205
Likes: 0
Had my first accident in eons in March. I have State Farm. I took it to one of their special approved shops, even though I could have taken it anywhere. I asked my son to check with his car buds, and this was THE shop to go to. It took two months to the hour before I got it back, and we are still working out a couple ****ling items, but they guarantee the car to be back to as good as new with all GM parts as used initial assembly, and it is. Paintwork is beautiful, and I mashed the front end pretty good. And it is Monterrey Red, so I was real worried. Yay State Farm. Yay Ralph Perez Auto Body Shop.