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Old Apr 27, 2014 | 08:41 AM
  #41  
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Those darn french-Canadians. Oh wait, you said south of the border.
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Old Apr 27, 2014 | 08:54 AM
  #42  
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Cyber Greg,

No one said anything racist that I have read. An illegal alien is an illegal alien no matter what their nationality is! Put this single incident into perspective. If the driver was not here illegally, he would not have been driving the car to be in the place to cause the accident so the accident would never have happened. I personally have no problem with people wanting to come to this country. But I am a firm believer in obeying the laws of the land (All of them). So, go through the process and immigrate legally!!!
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Old Apr 27, 2014 | 09:01 AM
  #43  
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if it were a uninsured white guy that hit him then it would have been just an accident also seems to me your just looking at cosmetics an depending on how hard u were hit u should be looking for damage beneath the plastics an fiberglass like frame, electronics etc.

Last edited by Vette_DD; Apr 27, 2014 at 10:22 AM. Reason: Quote of moderation/site bashing
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Old Apr 27, 2014 | 09:16 AM
  #44  
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Commander you and Cyber Greg are the only ones that mentioned racism on this post. All unfounded...Get over it !!
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Old Apr 27, 2014 | 09:16 AM
  #45  
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Originally Posted by moose.b3
The police should take the "visitors" car until they make restitution.

Trying to stifle my comments about "visitors" and their responsibility in this country.

So sorry for you. Seems justice is a skewed concept in this country today. I hope all goes well with the repairs.
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Old Apr 27, 2014 | 09:44 AM
  #46  
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Wow....after only 9 days of ownership...that really sucks. Back in 1982 I bought a very low miles/as new C3 1981. On day 30 of having it I fell asleep at the wheel and had a low speed collision. My asst mgr was on vacation and I as working 80 hours a week. Anyway I paid the difference over stock replacement front end parts and put a Greenwood front end, fenders, hood on her. Changed the color to Ferrari red and put custom wheels on her. I actually cried when I wrecked her but was very happy with the changes I made to her for a very reasonable amount.
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Old Apr 27, 2014 | 01:33 PM
  #47  
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Originally Posted by Hameister
Every time a thread regarding an accident is posted, everyone posts their advice regarding the repairs, the insurance, and the legal ramifications.

These days, insurance carriers handle claims in a very professional manner, and treat their insureds fairly, with very few exceptions.
Years ago, it was a completely different story. Insureds had to fight for their rights. Today, that's the rare exception, and not the rule.
So you have never been in accident and tried to have your car repaired....
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Old Apr 27, 2014 | 03:16 PM
  #48  
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Originally Posted by activevette
So you have never been in accident and tried to have your car repaired....
Yup. Had my work done, sight unseen, quick phone call and they said they'd handle the rest. It was a 3 minute ordeal, plus the drive to the body shop. This is pretty much how it goes these days (unless you have State Farm), Hameister is spot on.
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Old Apr 27, 2014 | 04:26 PM
  #49  
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Originally Posted by ProfessorDeath
Yup. Had my work done, sight unseen, quick phone call and they said they'd handle the rest. It was a 3 minute ordeal, plus the drive to the body shop. This is pretty much how it goes these days (unless you have State Farm), Hameister is spot on.
So they took it to a shop in their network.
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Old Apr 27, 2014 | 04:33 PM
  #50  
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Wow - recent law changes in Texas say uninsured is supposed to go
To jail and auto is supposed to go on the hook. OP needs to call the
Desk sergeant and clarify the proceedings of that day. Also needs to file civil action - there is enough value in that Charger to make it worthwhile.
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Old Apr 27, 2014 | 06:57 PM
  #51  
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Originally Posted by activevette
So you have never been in accident and tried to have your car repaired....
Sure I have.

I also spent 35 years of my life as a claims adjuster.

Twenty years in automobile claims, and 15 years specializing in property lines arson investigation.

After a while, even someone as thick as me learns something.
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Old Apr 27, 2014 | 07:06 PM
  #52  
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Originally Posted by Hameister
Sure I have.

I also spent 35 years of my life as a claims adjuster.

Twenty years in automobile claims, and 15 years specializing in property lines arson investigation.

After a while, even someone as thick as me learns something.
Reading your posts I'm beginning to like the way you think. Don't try to make a mountain out of a mole hill...unless it truly is a mountain...
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Old Apr 27, 2014 | 07:15 PM
  #53  
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Originally Posted by ruxvette
Reading your posts I'm beginning to like the way you think. Don't try to make a mountain out of a mole hill...unless it truly is a mountain...
Thanks, my wife likes the way I think as well. That now makes two of you.
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Old Apr 27, 2014 | 09:09 PM
  #54  
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LbulletM, I've been thinking about a response since I first saw this thread last night. Here it goes ...

You were enjoying a drive in your new Corvette and suddenly, through no fault of your own, were hit, and that's bad. Your car was significantly damaged, and as fellow Corvetters, we understand how upsetting that is. Nobody was injured, and that's very good. The other driver was at fault and had no insurance, and that's irresponsible and bad. State Farm is a terrific insurance company, with a network of recommended body shops that do excellent work, and that's good. Getting your car fixed will be inconvenient and maybe a hassle, and that's bad. But afterwards, your Corvette will likely be fixed to your complete satisfaction and this ordeal will be all behind you, and that will be good.

You've gone on to assume that the other driver is an illegal alien, that he shouldn't be here in the first place, and so this whole thing should never have happened. You may be right about his legal status or you may be wrong, but you may never know for sure. Regardless, some of your subsequent comments suggest to me a suspicion and perhaps a dislike of Hispanic people.

I am as unhappy about our illegal alien problem as any other American. However, these people are fellow human beings, and I have sympathy for their situation and compassion for their struggle.

I wonder how you would feel about your situation if the driver that hit you looked like you, talked like you, and lived like you.
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Old Apr 28, 2014 | 06:36 AM
  #55  
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Originally Posted by activevette
So they took it to a shop in their network.
Nope, I picked the shop, and they handled everything else once they got the quote from the shop. Insurance Co. sent them the check and I picked my car up 2 weeks later. Needless to say, I'm pretty happy with my insurance co.
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Old Apr 28, 2014 | 07:21 AM
  #56  
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Originally Posted by CBRXX
This....


Note that's a pretty damn nice car for an illegal!
3 of them work the $8 an hour jobs and they all chip in to make the payment...thats how they get a house...have 4 or 5 familys living in the same house and paying with minimum wage jobs. LIVING HERE ILLEGALLY!
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Old Apr 28, 2014 | 07:59 AM
  #57  
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Originally Posted by LbulletM
If I have the option, it will definitely be all new body panels everywhere.
Don't say it like that. Sometimes you have to fight to get what you want during auto repairs with an insurance company. The wife and I went through this a little less than a year ago when the wife was plowed by an idiot in a parking lot. Just keep in mind, you're not at fault here. The value of your car depends on the quality of work done. I wouldn't leave them any other option but to replace the panels.
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Old Apr 28, 2014 | 09:35 AM
  #58  
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Alright, page 2 replies:

Originally Posted by ProfessorDeath
That's the best part about these cars. They're considered "premium" sports cars (ask me how I know) and since they're fiberglass/polyurethane/not metal you're looking at 100% all new parts. More than likely you'll get your front fender, hood, door, rear quarter, and rocker panel repainted to make a decent color match.
Sounding like front bumper, both front quarter panels, driver's side rear quarter panel, and repairs to both doors and the mirror.

Originally Posted by RKInIL
Who owns the car that hit you? In Ca. The car is insured not the driver.
Not sure. Didn't speak English and I haven't gotten a hold of the police report, yet.

Originally Posted by **** Jockey
You may not be able to claim/collect any diminished value against your own insurance company.
Yea, I was worried about that, but it's worth an ask! I only stand to gain.

Originally Posted by wayback
Looks like you are on the hook for 250. But at least it is a not at fault claim so no increase on your rates.
I'll pay $250 in lieu of raised rates!

Originally Posted by Hameister
Every time a thread regarding an accident is posted, everyone posts their advice regarding the repairs, the insurance, and the legal ramifications.

Although everyone means well, there is rarely anyone who is actually a professional in any related field. Most of the advice is either partially correct, skewed, or completely false, and misleading.

The truth is, no insurance company pays for new parts because the owner "demands" it.
They pay for new parts where new parts are required to effect a proper repair, and they pay for repairs when a repair is an industry standard, and accepted method for a professional result.

As far as the deductible is concerned, that varies by state.
There is no one standard. In some states the deductible will not apply even in the event of a loss where the 3rd party is properly insured.

Diminished value is again determined by state regulations, not the demand of the insured.

Rate increases after an accident are not always tied to who was/was not, at fault. Again, that varies by carrier, and by state.

These days, insurance carriers handle claims in a very professional manner, and treat their insureds fairly, with very few exceptions.
Years ago, it was a completely different story. Insureds had to fight for their rights. Today, that's the rare exception, and not the rule.
Don't worry, I am by no means taking anything as gospel. And if insurance replaced things based on owner's "demands", I'd be replacing everything with a widebody kit and a new color on their dime. No delusions here!

Not sure if you read the whole thread, but I think I have the deductible thing nailed down for MY state. I was unaware that DV was a state thing though, I'll have to look into it!

I've heard State Farm should treat me pretty well. I've only ever had to deal with them for hail damage which is a pretty easy process. But here's hoping!

Originally Posted by R&L's C6
I believe he will get stuck with the deductible if they didn't have insurance but could take them to small claims court for it. (probably big waste of time)
Yea, I think my time is worth more than the deductible I'd get back through that whole process.
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Old Apr 28, 2014 | 09:56 AM
  #59  
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And page 3:


Originally Posted by Red08
Those darn french-Canadians. Oh wait, you said south of the border.
I laughed.

Originally Posted by COMMANDER2OOO
if it were a uninsured white guy that hit him then it would have been just an accident also seems to me your just looking at cosmetics an depending on how hard u were hit u should be looking for damage beneath the plastics an fiberglass like frame, electronics etc.
If it were an uninsured white guy that hit me, I assure you I would be acting exactly the same. As for more serious damage, I'll definitely be having it checked out, but it was low speed enough that everything is hopefully alright.

Originally Posted by Euthymicone
So sorry for you. Seems justice is a skewed concept in this country today. I hope all goes well with the repairs.
Thanks for the well wishes!

Originally Posted by BROCKYJACK
Wow....after only 9 days of ownership...that really sucks. Back in 1982 I bought a very low miles/as new C3 1981. On day 30 of having it I fell asleep at the wheel and had a low speed collision. My asst mgr was on vacation and I as working 80 hours a week. Anyway I paid the difference over stock replacement front end parts and put a Greenwood front end, fenders, hood on her. Changed the color to Ferrari red and put custom wheels on her. I actually cried when I wrecked her but was very happy with the changes I made to her for a very reasonable amount.
Having just bought it I don't have the cash for a wide body conversion. I wish I did, but I'd still be paying for one rear quarter panel, the hood, and the rear end. I might go with a change in color if it's not too expensive though! I hope my experience goes as smoothly as yours!

Originally Posted by choprfgr
Wow - recent law changes in Texas say uninsured is supposed to go
To jail and auto is supposed to go on the hook. OP needs to call the
Desk sergeant and clarify the proceedings of that day. Also needs to file civil action - there is enough value in that Charger to make it worthwhile.
I'll definitely be figuring out everything and asking any unanswered questions once I get a hold of the police report (at some point this week).

Originally Posted by LedZepper
You've gone on to assume that the other driver is an illegal alien, that he shouldn't be here in the first place, and so this whole thing should never have happened. You may be right about his legal status or you may be wrong, but you may never know for sure. Regardless, some of your subsequent comments suggest to me a suspicion and perhaps a dislike of Hispanic people.

I am as unhappy about our illegal alien problem as any other American. However, these people are fellow human beings, and I have sympathy for their situation and compassion for their struggle.

I wonder how you would feel about your situation if the driver that hit you looked like you, talked like you, and lived like you.
I "assumed" they were an illegal alien based on the officer's comments of "I'm not even sure if they are legal." Also, if you'll read back, I am definitely not the one that said they shouldn't have been here and so it shouldn't have happened. I have no dislike for Hispanic people and I think you'd be hard pressed to find a Texan that doesn't have at least a couple Hispanic friends. Also, all I said was a neighbor south of the border in explaining the situation so everyone got the full picture. No dislike for Hispanics, just a general dislike for people who aren't responsible enough to have a license and insurance when using our roads. Particularly when they cause damage to someone else's vehicle.

If the driver that hit me looked like me, talked like me, and lived like me, they'd have insurance. If they didn't, I'd react the exact same way. Please do not mis-characterize others' responses as mine (you'll also notice that I didn't even respond to most that were just speaking about the 'illegals' situation) and please do not lead this thread into a direction that it does not need to head. I'm worried and upset about my car, not the looks, speech, and lives of the person that hit me.

Originally Posted by Girthrockwel
Don't say it like that. Sometimes you have to fight to get what you want during auto repairs with an insurance company. The wife and I went through this a little less than a year ago when the wife was plowed by an idiot in a parking lot. Just keep in mind, you're not at fault here. The value of your car depends on the quality of work done. I wouldn't leave them any other option but to replace the panels.
The shop that it's sitting at right now is pretty confident that all affected panels will be replaced with the exception of the doors which will be repaired since they are metal. You're right though, I will definitely stand up for myself and make sure I'm 100% happy with the repairs.
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Old Apr 28, 2014 | 10:04 AM
  #60  
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Originally Posted by ProfessorDeath
Nope, I picked the shop, and they handled everything else once they got the quote from the shop. Insurance Co. sent them the check and I picked my car up 2 weeks later. Needless to say, I'm pretty happy with my insurance co.
You picked the shop was key to your success. When the insurance company suggests (strong-arms) you to use their network shops, the shop works for the insurance company. They want to stay on the list and be spoon fed.
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