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Author
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Topic: Totalled my Modular Notch - Need Legal advise
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RRRCobraSC281
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Member # 7086
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posted
 
 
MY car, 88 Modular Notchback Mustang, was involved in a 4 car accident on I-880 around 1:20pm. Traffic came to a stop, at least in the #1 lane and I stopped behind the car infront of me. Just like any bumper to bumper traffic jam. Then about 12 seconds later, a BMW plows into the back of my car, knocking out the back glass and broke my seat. Then with in a second another car hit the BMW and that set-up a chain reaction collision that caused me to advance forward and hit the guy infront setting off my airbags.
My driver rear quarter is screwed, as is the roof is tweeked. I think the IRS sub frame was what kept it fairly solid back there.
I know the insurance companies will only give me blue book on my car, but if I had a stock car, I'd be fine with it. But like most people on this forum, we have moderate upgrades, and mine is far from stock.
Just wondering what people have done in the past to make things right again.
I was really glad my $1200 hood was still okay.
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Project 93GT500 has started
90 Coyote Coupe (sold)
88 Mach 1 Coupe MM&FF 6/14 (sold)
65 FFR Cobra (sold)
Posts: 1746 | From: Fremont, CA | Registered: Sep 2006
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LSFairmont
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Member # 6001
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if you have receipts for any of that, that should help out a bit
Posts: 3652 | From: the land of the lost | Registered: Sep 2005
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68dustin
CAFords OG
Member # 5388
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OH hell no... ![[Frown]](frown.gif) im sorry for ur loss.. that was a bad ass car..
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"As I lay rubber down the street, I pray for traction that I can keep, and if I do begin to slide, please dear God protect me and my ride!"
Posts: 3986 | From: neverland | Registered: Feb 2005
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87droptop50
Go Giants!
Member # 7185
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Fuck ... I'm sorry to hear this
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HighSpeed Motorsports
87Mustang Gt Conv kurgan tuned
03Harley F150 #5023
69El Camino SS396 -sold
99 f350 7.3 DRW
Posts: 3855 | From: SF | Registered: Oct 2006
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2T0NE
Go 49ers
Member # 4216
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damn,sorry to hear thats really bad news ,sorry for ur loss ,it was a sweet car
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Originally posted by x Raelsmar x:
Can't wait till the Giants lose tomorrow night so all you Giants fans are forced to shut the fuck up.
Posts: 14676 | From: 760 carlsbad | Registered: Mar 2004
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SAV650HAB
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Member # 10324
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Damn not good, as far as the insurance if you went over all your upgrades and reciepts to prove you purchased them with your insurance company your good, if not and these parts were never mentioned then i think your gonna be out of luck. Thats what i know when i did my insurance threw geico i had to show pictures and reciepts, in order for them to cover most of what i bought for the car.
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SAVAGE HABITS 'CAR CLUB' VP 650/510/707/209
NOR-CAL KINGZ....... YAH 2 CHAINZ!!!!!!
"WE OUT HERE" 7th ST....STEP IT UP A NOTCH
88 coupe FTW!
Posts: 5091 | From: SHOREVIEW E.S SAN MATEO | Registered: Sep 2010
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Blind
2.3L
CAFords OG
Member # 3052
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quote:
Originally posted by SAV650HAB:
Damn not good, as far as the insurance if you went over all your upgrades and reciepts to prove you purchased them with your insurance company your good, if not and these parts were never mentioned then i think your gonna be out of luck. Thats what i know when i did my insurance threw geico i had to show pictures and reciepts, in order for them to cover most of what i bought for the car.
that applies if you're at fault, but because the car behind him caused the accident, all he has to prove is the value of his car to the other persons insurance company.
sucks man, best of luck, go see a doctor!
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89 LX Notchback ex 4cyl, 14psi
02 Harley F150, 15psi
Posts: 8521 | From: Fairfield | Registered: Jul 2003
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SAV650HAB
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Member # 10324
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posted
quote:
Originally posted by Blind:
quote:
Originally posted by SAV650HAB:
Damn not good, as far as the insurance if you went over all your upgrades and reciepts to prove you purchased them with your insurance company your good, if not and these parts were never mentioned then i think your gonna be out of luck. Thats what i know when i did my insurance threw geico i had to show pictures and reciepts, in order for them to cover most of what i bought for the car.
that applies if you're at fault, but because the car behind him caused the accident, all he has to prove is the value of his car to the other persons insurance company.
sucks man, best of luck, go see a doctor!
shit there's your answer, show them the reciepts ![[patriot]](graemlins/patriot.gif)
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SAVAGE HABITS 'CAR CLUB' VP 650/510/707/209
NOR-CAL KINGZ....... YAH 2 CHAINZ!!!!!!
"WE OUT HERE" 7th ST....STEP IT UP A NOTCH
88 coupe FTW!
Posts: 5091 | From: SHOREVIEW E.S SAN MATEO | Registered: Sep 2010
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Stimpys 5.0
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Member # 5829
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Damn man that really blows. I'm going through the same thing. N they said that most of the upgrades are consider maintaince and most likely not improve the value of the car(which is total bullsh*t). So I'm digging through all my receipts to hopefully get a Lil more money than what there offering me now.
Good luck
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1989 burgundy coupe
1968 mustang 289 - 4 speed
1989 white lx (totalled)
Posts: 646 | From: sac/916 | Registered: Jul 2005
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Beasty5.0
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Member # 2935
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Rob,
I'm sorry to hear what happen to your baby, but glad your ok.
As far as the car, it's really going to depend on the insurance company your going to deal with, but like most they will not want to payout. Also, the agent your going to deal with is also going to be a factor, whether or not they are hard to deal with. That being said, your best bet will be your receipts and any appraisal you may have done to the car. If you don't have any, than you better pray that the person your going to deal with is a car enthusiast. Good Luck
Posts: 1055 | From: San Francisco | Registered: Jun 2003
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Vallejo707
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Member # 10296
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posted
Pics of Before and after ?
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PS3 Game Tag: BeAsVtown
Sold: 2007 Yamaha R6 "Candy"
Sold: 1989 Mustang Vert
Current: 2012 Mustang 5.0
Posts: 799 | From: Vallejo,Ca | Registered: Sep 2010
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Adam5.0
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Member # 6995
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posted
buy it back from the insurance company
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want something old and japanese
Posts: 1609 | From: Brentwood | Registered: Aug 2006
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iceman302
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Member # 7180
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Damn it! That thing was very clean. As a general rule, I always have my Mustangs insured for agreed value. Even my Raptor has additional insurance to cover the mods. My GXP had $10K worth of extra coverage.
Gather all of your receipts, find as many comparable cars as possible to reinforce the value, and pay to have a custom vehicle appraisal done. Those things will give you the strongest legs to stand on. Then, submit a claim to your insurance company and negotiate like mad. They have a duty to deal with you fairly. Let them seek reimbursement from the other insurance companies involved.
Once you've settled on a value with your insurance company, negotiate the salvage value. If its low enough, buy it back and use the parts for another build or sell them outright.
[ May 10, 2011, 08:27 PM: Message edited by: iceman302 ]
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'65 Mustang Fastback
Posts: 4171 | From: Rancho Murieta | Registered: Oct 2006
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03smknsvt
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Member # 5514
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are you talking about your coupe??!!
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03 silver cobra #3461 out of 8394
96 gt supercharged
03 mach 1
93 cobra
99 black bird
"A journey of a thousand miles begins with a single step"
Posts: 1535 | From: san jose | Registered: Mar 2005
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03smknsvt
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Member # 5514
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wtf!! sorry about your loss..
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03 silver cobra #3461 out of 8394
96 gt supercharged
03 mach 1
93 cobra
99 black bird
"A journey of a thousand miles begins with a single step"
Posts: 1535 | From: san jose | Registered: Mar 2005
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fam_lace
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Member # 8565
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posted
a few weaks ago the same shit happen to me on 580 in dublin but i had minor damage sorry to hear about that bruh
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rip matt i love u cuz
351w h/c/I street car
Posts: 776 | From: dont trip | Registered: Aug 2008
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89bluenotch
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Member # 7454
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Sorry man... Sucks you put a lot of work into that car!. Glad to hear your okay.
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-Gunnar
89 coupe
54 f100
R.I.P. SILVERLX
Posts: 1857 | From: HEALDSBURG | Registered: Feb 2007
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dubfive-0
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Member # 8965
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posted
man this blows, but at least your okay bro.. like everyone else is sayin look for reciepts and hope they get you covered... post pictures by the way
BEST OF LUCK my man
[ May 10, 2011, 08:54 PM: Message edited by: dubfive-0 ]
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1966 FALCON futura (sports coupe)
1991 five-0
Posts: 1700 | From: SAN JOSE | Registered: Feb 2009
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SnakeBit
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Member # 8871
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OH NO! I'm really sorry this happen to you bro. Damn that was one clean coupe. I'm glad to hear you were not hurt.
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91 Coupe full M/M suspension
Maier WideBody
331 356 RWHP 357 RWTQ
Tuned by TPS MotorSports
Posts: 2707 | From: Fremont | Registered: Jan 2009
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KINGROY
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Member # 7736
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posted
Sorry for your loss. But since a BMW hit you, your neck and back hurts for at least a year. Get cashed out on that and buy yourself something new or different a year from now.
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2003 Cobra Vert
2005 Prius
Posts: 1642 | From: Vallejo, CA | Registered: Jun 2007
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RRRCobraSC281
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Member # 7086
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posted
Thank you for all who replied. The bad part is that I did all the work. Yeah, most of it can be swaped into another ride, but Damn....Really didn't want to do this twice. I'm going in for a medical check up tomorrow.
I planned on taking it to an appraiser to give me a somewhat fair value of the completed work.
I really can't do anything until I get the actual police report.
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Project 93GT500 has started
90 Coyote Coupe (sold)
88 Mach 1 Coupe MM&FF 6/14 (sold)
65 FFR Cobra (sold)
Posts: 1746 | From: Fremont, CA | Registered: Sep 2006
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