rear-ended :(
Thread Starter
Le Mans Master
Joined: Oct 2001
Posts: 7,345
Likes: 1
rear-ended :(
Yep.....
Was sitting at the light, a young guy ended up running into the back of my car.....
I was much calmer than what I was expecting...
None the less, now I'm wondering what the cost is going to be.... Should I run it thru insurance....
A.
Was sitting at the light, a young guy ended up running into the back of my car.....
I was much calmer than what I was expecting...
None the less, now I'm wondering what the cost is going to be.... Should I run it thru insurance....
A.
Safety Car
Joined: Aug 2005
Posts: 4,279
Likes: 82
From: North Strand, NMB, SC; Retired x 2 (US Army: 70-90 AD) (US Army: 91-16 DAC); yea, I'm old.
I hope the little twerp had insurance and they will pay up otherwise, it's coming outta your pocket and it won't be cheap...Good luck.
Tech Contributor
Joined: Sep 2008
Posts: 10,954
Likes: 261
From: Greensboro NC
2015 C6 of the Year Finalist
If I understand it right, you were rear ended. It was the other driver's fault, correct?
If so, of course you run it through your insurance. It won't cost you anything..........will it?
Sorry for your accident!
Drifting
Joined: Oct 2011
Posts: 1,921
Likes: 3
From: Port Saint Lucie Fl.
Safety Car
Joined: Dec 2011
Posts: 3,608
Likes: 13
From: New Rochelle N.Y. 2013 Grand Sport
damm that really sucks. people just dont pay attention. now sorry to say even though it looks just like a simple bumper repair and we all know its no big deal but going thru ins raises the possibility of a carfax accident report on the car. see if you could possibly get him to pay for it out of pocket.
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Drifting
Joined: Oct 2010
Posts: 1,513
Likes: 86
From: Rocheport Missouri
Sorry about this...it has to suck. My advice, after having a couple of accidents where others were at fault, is to call your insurance company immediately. If you don't you will be jerked around forever by the other company while they wait for police reports and whatever other excuse they have. Your insurance will get your going asap plus they will go after the other company and become your advocate.
Thread Starter
Le Mans Master
Joined: Oct 2001
Posts: 7,345
Likes: 1
I know the ins would pay for it, but if the dude pay for it out of pocket.....
Thats all I care about in the end.....
A.,
Tech Contributor
Joined: Sep 2008
Posts: 10,954
Likes: 261
From: Greensboro NC
2015 C6 of the Year Finalist
For me personally, I would just want my car fixed back to as good as it was, without costing me anything. Then I would enjoy my car. I wouldn't be so concerned about a possibly slightly lower resale value.
I would be more concerned that if you don't go through the insurance, you may end up with a problem collecting from the other party. Do you think that the other driver will be willing to foot the whole bill when that is what he has insurance for?
If you go that route, you're taking a risk unless you get the cash up front to cover everything.
Race Director
Joined: Mar 2011
Posts: 13,262
Likes: 3,151
From: SW Florida
2021 C6 of the Year Finalist - Modified
I was rear-ended when my 2011 GS was all of 5 hours old.
Here is the deal ... First of all, I hope you have the guys driver's license number, his car plate number and his insurance companies name and policy number. Also, I hope the police made a report.
With that, file a claim with your insurance company. They will send you someplace to get an estimate. Then your insurance company will pay for the damage to your car [minus] your collision deductable.
When the at-fault driver's (that other guy) insurance pays your insurance company, your insurance company will reimburse you back your collision deductable.
So, after that, you have nothing out of pocket, and the accident will not be charged to you (no insurance premium increase).
Now, while they are repairing your car, get a rental .. pay the bill after you turn it back in .. save the receipt .. and fax it to that other guys insurance carrier once you have talked to them on the phone regarding the rental car.
They will send you a check to cover the rental car cost.
That's it.
Good luck :
_______________________________
My car when it was 5 hours old ...
Here is the deal ... First of all, I hope you have the guys driver's license number, his car plate number and his insurance companies name and policy number. Also, I hope the police made a report.
With that, file a claim with your insurance company. They will send you someplace to get an estimate. Then your insurance company will pay for the damage to your car [minus] your collision deductable.
When the at-fault driver's (that other guy) insurance pays your insurance company, your insurance company will reimburse you back your collision deductable.
So, after that, you have nothing out of pocket, and the accident will not be charged to you (no insurance premium increase).
Now, while they are repairing your car, get a rental .. pay the bill after you turn it back in .. save the receipt .. and fax it to that other guys insurance carrier once you have talked to them on the phone regarding the rental car.
They will send you a check to cover the rental car cost.
That's it.
Good luck :
_______________________________
My car when it was 5 hours old ...
Safety Car
Joined: Dec 2011
Posts: 3,608
Likes: 13
From: New Rochelle N.Y. 2013 Grand Sport
I would be more concerned that if you don't go through the insurance, you may end up with a problem collecting from the other party. Do you think that the other driver will be willing to foot the whole bill when that is what he has insurance for?
If you go that route, you're taking a risk unless you get the cash up front to cover everything.
If you go that route, you're taking a risk unless you get the cash up front to cover everything.
Race Director
Joined: Mar 2011
Posts: 13,262
Likes: 3,151
From: SW Florida
2021 C6 of the Year Finalist - Modified
As I stated above ... you go through [your] insurance company, and let them handle the details with the other person's insurance company.
The OP will [NOT] be charged with the accident by his insurance company if he was rear-ended.
The OP will [NOT] be charged with the accident by his insurance company if he was rear-ended.
Pro
Joined: Jan 2007
Posts: 745
Likes: 12
From: Milton FL
While stooped at a light on way home from a road trip yesterday guy locks his breaks and skids to a stop off the road and even with my passenger door! Very close and only 2 miles from home. I see your point on diminished value, with cash payment you wouldn't get dinged by car fax.
Good luck.
Good luck.
Le Mans Master
Joined: Feb 2002
Posts: 5,394
Likes: 281
From: cumming ga
Going thru insurance will generate a carfax in most cases. If you do then you need diminished value claim. You should take a bunch of pics and have of file if you dedide to sell privately or trade if its mentioned.
z51vett
z51vett
Race Director
Joined: Mar 2011
Posts: 13,262
Likes: 3,151
From: SW Florida
2021 C6 of the Year Finalist - Modified
You can pretty much forget about a "Diminished Value Claim" with the "at-fault" driver's insurance company. Getting a Diminished Value comp. check from them is like pullng teeth. Don't get your hopes up at all that, because you have about a 90% chance that you will never see it.
And, it's a crap-shoot whether or not the accident shows up on a CarFax for your car ... If it does, well, that's life.
Personally, I just wish the government would shut down CarFax all together. There reporting is just hit and miss, and in most cases, not accurate at all ... Just a bunch of BS!
And, it's a crap-shoot whether or not the accident shows up on a CarFax for your car ... If it does, well, that's life.
Personally, I just wish the government would shut down CarFax all together. There reporting is just hit and miss, and in most cases, not accurate at all ... Just a bunch of BS!