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Got hit :/

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Old 06-12-2013, 11:01 PM   #1
SkyWitit23
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Default Got hit :/ *update pics*

Hey fellas I got hit today, it's not to bad but it sucks..My question for you guys is I have nationwide insurance, I have a endorsement "Brand new OEM parts replacement" my bumper got scratch up pretty good but no dents or cracks from what I can see, it would need to be sanded down and repainted, do I get a new bumper because of the endorsement that I have? I'm going to need a new diffuser and muffler..what about my license plate? It's bent lol I also stated to the insurance company I want the check cut to me after talking to the body shop is this a good move or no? I actually want to buy my own parts, I just don't know if that's possible..sorry about the ****ty pics lol there scratches you can't see around the plate area

Also what about the depreciation value claim?

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Old 06-13-2013, 01:43 AM   #2
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Insurance law varies state to state. I have had the checks made out to me before but you will have to ask your agent.
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Old 06-13-2013, 08:04 AM   #3
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What's that line just above the I on your license plate? I got rear ended by a cop 2 years ago. He was going less the 5 miles an hour. His brush guard put a tiny dent in about the same spot as that mark. If I looked at it from an angle I could see some stress marks in the paint. Insurance replaced the entire bumper including painting and stripes. There will be damage to the plastic that you can't see now that will cause paint problems later.
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Old 06-13-2013, 08:51 AM   #4
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Hey man I'd consider yourself lucky... Thats not bad at all!
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Old 06-13-2013, 10:09 AM   #5
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Yeah I am lucky..That scratch Is nice line down to the paint, I went to the body shop he said it has to be repainted, diffuser is done muffler is done, behind that idunno..there's more sctrahes you can't see due to the sunlight but its on there..I'm wondering if the bumper will be replaced mmmm...GT500 diffuser? I want to buy the diffuser and muffler any ideas?

Also what about the deprecation value claim? It's is gonna go on the car fax correct, when I come to trade the car in?
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Old 06-13-2013, 12:24 PM   #6
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You need to be careful with them cutting you a check, many times insurance companies will offer this because it's in effect a settlement. My wife's XC-90 got rear-ended pretty good and the insurance company wanted to give us a check, I declined and told them to just pay repair costs. It ended up being almost double, had I taken the check I'd have been on the hook for the balance.

If you're 100% sure of the damage done and costs to repair/replace with stuff you want then go for it, assuming they can cut you a check.
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Old 06-13-2013, 12:34 PM   #7
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The agent said he cuts the check to with the body shops name and mine..I understand you tho.
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Old 06-13-2013, 12:49 PM   #8
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Check your insurance policy. It is likely that there is wording that says they do not cover diminished value. If that is the case, you would have to pursue the other person. You would need to prove the amount of the diminished value. There are probably web sites that value cars and one of the questions might be if it has been damaged, and how much did the repair cost. Run the value with no damage, and then run the value with the damage you incurred. Then decide if it is worthwhile to pursue. You could also take it to the used car department of a dealer and ask how much less the car is worth because of damage. Get the response in writing.

In any event, it appears as though the car can be repaired. Keep all documentation so that a prospective buyer can tell exactly what was damaged and what repairs were done.
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Old 06-13-2013, 01:20 PM   #9
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Quote:
Originally Posted by Art161 View Post
Check your insurance policy. It is likely that there is wording that says they do not cover diminished value. If that is the case, you would have to pursue the other person. You would need to prove the amount of the diminished value. There are probably web sites that value cars and one of the questions might be if it has been damaged, and how much did the repair cost. Run the value with no damage, and then run the value with the damage you incurred. Then decide if it is worthwhile to pursue. You could also take it to the used car department of a dealer and ask how much less the car is worth because of damage. Get the response in writing.

In any event, it appears as though the car can be repaired. Keep all documentation so that a prospective buyer can tell exactly what was damaged and what repairs were done.
I called nationwide (my insurance company) they told me I can't file a,claim against them, I would have to goto threw the other insurance company first.. He told me I have to hire experts to prove a loss and also could wind up costing me a substantial amount of money to get done.
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Old 06-13-2013, 04:01 PM   #10
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Welcome to insurance hell....I wonder sometimes if we should all just stop feeding the sharks??
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Old 06-13-2013, 04:01 PM   #11
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Thats pretty standard fare about insurance. You file against the insurance of the person who hit you.

That being said, doesn't your neck hurt? Yes - Im serious.
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Old 06-14-2013, 08:01 AM   #12
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A diminished value claim is best when there's substantial damage on a newer car, case in point my wife's XC-90 I mentioned above. We bought it brand new and 6 months later got slammed pretty good, so hard in fact it pushed us into the car in front of us. After finally getting it fixed correctly, which was 4 trips back to the repair place, we then pursued the DVC. We went thru a company that does claims and they did take a decent cut, I want to say around 30%, but we received around $3000 if I recall.

For relatively minor damage I wouldn't do it, more of a pain than it's worth.
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Old 06-14-2013, 01:50 PM   #13
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Man that's a harsh insurance company. When I had a lady back into the side of my 2013's door it was really bad damage. Her insurance called me really fast and started wanting to cut checks I told them I would be calling my insurance first. They wanted to give me a 1,000 dollar check.

I have Allstate and I filled a claim with them all state went in after her insurance which was state farm. I ended up getting a 2,200 dollar check from State Farm after Allstate went in an handled it. Got my door fixed for 1,100 and got my cat back exhaust lol.
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Old 06-30-2013, 07:30 PM   #14
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Hey guys I've gotten my car back but clearly my exhaust isn't right either, I think its the midpipe, I checked under the car and I don't see and bends or anything on the pipe, but it must be the pipe no? There's nothing else? The exhaust sits to far in the valance vs the other un hit side
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Old 06-30-2013, 07:50 PM   #15
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Looks like they clamped the right side muffler too far in...
I think it's just a question of adjustment, no biggy.
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Old 06-30-2013, 08:19 PM   #16
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Quote:
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Looks like they clamped the right side muffler too far in...
I think it's just a question of adjustment, no biggy.
I actually fixed it, it looked like this...I took the whole muffler off, the clamp only goes on one way, it's not like you slide it over a pipe and adjust it. The mid pipe sits inside the muffler grove then gets clamped down..it's hard to explain pascal you know what I mean right ? Or maybe not lol
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Old 07-01-2013, 02:13 PM   #17
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Quote:
Originally Posted by BTR-75 View Post
You need to be careful with them cutting you a check, many times insurance companies will offer this because it's in effect a settlement. My wife's XC-90 got rear-ended pretty good and the insurance company wanted to give us a check, I declined and told them to just pay repair costs. It ended up being almost double, had I taken the check I'd have been on the hook for the balance.

If you're 100% sure of the damage done and costs to repair/replace with stuff you want then go for it, assuming they can cut you a check.
+1 Don't accept money unless it's for the exact cost of repair, meaning you have already had the work done and they are paying you back or, better yet just have insurance pay the repair shop directly.

He is correct, once you accept money, the strings are you are done and cannot come back and claim additional costs/expenses for that incident.
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Old 07-01-2013, 02:59 PM   #18
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No I didn't get the check the shop did. Right now my concern is my exhaust . Is not right, I will be fog to the shop tomorrow for him to look at it but I think it's the mid pipe
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Old 07-01-2013, 06:14 PM   #19
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Quote:
Originally Posted by SkyWitit23 View Post
I actually fixed it, it looked like this...I took the whole muffler off, the clamp only goes on one way, it's not like you slide it over a pipe and adjust it. The mid pipe sits inside the muffler grove then gets clamped down..it's hard to explain pascal you know what I mean right ? Or maybe not lol
I know what you mean and the factory end pipe (the one going over your rear axle) has an index dot on it so your axle back muffler cut away tube will fit in it but if this get buggered in the event of a crash, you don't have that reference point anymore.
Although I'm more familiar with my generation Stang than yours I still thing it's a matter of adjustments because you didn't get hit all that hard.
Seeing your car on a lift would reveal the whole truth...
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Old 07-04-2013, 10:48 PM   #20
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I have like 2-3 people a day almost hit my car... people here can't drive I pity the idiot that hit's my car.. I will rage!

Sorry to hear you got damaged but glad it was fixable and everything worked out!
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Old 07-04-2013, 10:48 PM
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