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Was rear-ended today need advice for insurance
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Nor_AL_67
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PostPosted: Mon May 20, 2013 7:40 pm    Post subject: Was rear-ended today need advice for insurance Reply with quote

Hey,
Was hit in the back today and guy that did it has insurance with Alfa. The damage didn't look bad at first, but after getting it home I can see that both fenders, both rear 1/4 panels, the apron and the engine lid have damage. The bumper is also toast. There is a massive oil spill and it looks like there could be a crack in the block or heads where the tail pipes were shoved into the engine. Question: what might I expect a company like Alfa to do and what is my best strategy? I'm sure on their books the car is worth 1-2K. I have it insured with State Farm for 6K comprehensive. TIA.
Scott

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camaroboi13
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PostPosted: Mon May 20, 2013 8:15 pm    Post subject: Reply with quote

With him being at fault you kinda have him by the shorthairs there. Not really his choice on how much the vehicle is worth or what they should do with it. Your ins co has declared that your car is worth 6k to replace, and that's what Alfa has to work with. Whatever you do, make sure they source out original parts and make them buy german quality panels and whatnot. The nice part about not being at fault is the ball's in your court, and you decide what you want done, not the other ins co. They're taking blame for their driver and now they've got to pay for it.
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ALLWAGONS
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PostPosted: Mon May 20, 2013 8:34 pm    Post subject: Reply with quote

If the total bill adds to more than 50%, their adjuster may declare your beloved bug a complete loss in order to pay that kind of money. If you go that route, ask if you can buy the car back. It will cost you next to nothing, the downside, a Salvage Title.
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gt1953
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PostPosted: Mon May 20, 2013 8:58 pm    Post subject: Reply with quote

Well relax no one is injured right. Now on your car take your time and have the repairs done correctly.
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VWAdam
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PostPosted: Tue May 21, 2013 6:22 pm    Post subject: Reply with quote

Hey Scott, this is Adam who bought your '63 Bus about a year and a half ago (it's still going strong btw). I just wanted to say that if you need any help finding the parts to fix it, I will see what I can do.
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Nor_AL_67
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PostPosted: Tue May 21, 2013 7:02 pm    Post subject: Reply with quote

VWAdam wrote:
Hey Scott, this is Adam who bought your '63 Bus about a year and a half ago (it's still going strong btw). I just wanted to say that if you need any help finding the parts to fix it, I will see what I can do.


Thanks, I'm going to have it towed to Spook's place for an estimate. I'm happy you're still enjoying the bus and that it's still working.
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Erik G
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PostPosted: Fri May 24, 2013 8:50 am    Post subject: Reply with quote

just to add, because it hasnt been said. You need to talk to your insurance company, not the other guys insurance. They may try, but make them go through your insurance. Your insurance will pay to have yours fixed, or total it out, or whatever, and will then bill the other guys insurance.
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Tram
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PostPosted: Fri May 24, 2013 2:12 pm    Post subject: Reply with quote

Start accumulating evidence of asking price and actual sale prices on similar cars, and start talking REPLACEMENT VALUE and being made whole.

Use Samba ads, and eBay listings/ completed listings as a guide. You can also peruse Edmunds classic car valuation.

Some other good ideas:
http://answers.edmunds.com/question-How-to-find-th...00859.aspx
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