quote:

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Originally posted by 5OHS5OH:
I would contact your insurance company. The guy may seem trustworthy, but if you take his word and he screws you, you'll be in a civil nightmare. Report it to your insurnace asap.

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Did you get a police report also?
 

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Posted by blind (Member # 3052) on :
 
good luck

took 7 weeks to get a settlement out of the other parties insurance company when I was rearended 2 months ago on the freeway.


one word of advice - when you get a rental car, bring cash for the deposit, if you use a credit card and the insurance company wants to jack around and change the billing to your card you will rack up charges like you wouldn't believe. Farms had to pay $1500 for my rental that I had for 5 weeks (yes 5, they wouldn't answer their damn phone for 1 week, then took a full week to "determine fault" because there was no police report )


blah blah, good luck

btw, your car does have frame damage, but there is no frame, its a unibody car. My advice would be to fight to have it totalled and get another car to replace it.
 

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Posted by jay-vee (Member # 2708) on :
 
I would doubt that there is frame damage if the 1/4's are straight, the 1/4's will usually buckle if there is frame damage. also check the floor and rear body panel for damage. the shop that you take your car to will check all of this when you get an estimate, and add for hidden damage after they do a tear down
 

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Posted by blind (Member # 3052) on :
 
every shop I went to for estimates did not put my car on a lift, none of them, I asked a couple to and they refused to.

on a unibody car, if you have enough of a hit to cause damage to more than one panel its safe to assume the chassis was tweaked somehow.
 

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Posted by jay-vee (Member # 2708) on :
 
when you bring your car to a shop for an estimate they write the obvious damage-they can only write what they see, when they start working on the car they will supplement for any additional parts or labor that they need so you wouldn't need to lift the car during the initial estimate
 

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Posted by 94Blackout (Member # 2541) on :
 
Thanks for the info guys.

I do have a police report, and I have already spoken with Geico, who is the insurance company for the other 2 people who were involved in the accident (apparently they are putting this on the last car in the accident, saying he pushed the guy behind me into my rear end).

So the damage to my car is pretty much going to be taken care of, not sure if they will total it or not... I'd rather them not, with the mods to the car I don't think I would get what I would want for it.

I wasn't originally going to go through my insurance agency, however my neck and back started to hurt today a little so I want to have them on my side in case there is a complicated injury settlement.

Do you guys know if all insurance companies will compensate for modifications and what not in the price of the car when they total it?
 

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Posted by Jdub07 (Member # 2728) on :
 
if you have any receipts on recent work or parts then you may want to present them to your insurance company.
 

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Posted by slidewayz94 (Member # 3101) on :
 
Your insurance may not cover your additional mods unless you have additonal equipment coverage in your own policy.

My jet ski was hit over the summer and I refused to accept the other insurances total amount. I gave them all the reciepts of my mods.

They took those reciepts and had to redo their estiamte since they was insured was liable.

I made out very good. Keep pressing the issue.
 

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Posted by BlackNGold (Member # 655) on :
 
Just remember that only if it costs more to fix than your car is worth is it a "total loss"...

Do you have subframe connectors?...When my 86 GT was totalled I actually hit the drivers fender (on a tree) and it was the passenger side door and trunk that wouldn't open!...The stock unibody Mustang is weak....

Got any pics?
 

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Posted by jay-vee (Member # 2708) on :
 
Some insurance companies go by the blue book for their values, while others go by average resale value in your area. Most times they won't take mods into acount when they do their valuation. I don't think you car would total because of a decklid, bumper, and tail lamp. Alot of shops are slow right now so they will want to fix your car because shops make money fixing cars not totaling them out.
 

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Posted by slidewayz94 (Member # 3101) on :
 

quote:

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Originally posted by jay-vee:
. Alot of shops are slow right now so they will want to fix your car because shops make money fixing cars not totaling them out.

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