(Pictures Included) Am I getting ripped off by the dealership for a repair?

[ZionsWrath]

Do you have tools at home? Not that hard of a DIY job. Then take it to be checked on a rig

[guybo]

The $100 fee is because a real person had to do real work to diagnose the problem. Would YOU work for free? Why should the diagnosis be free?

I'd eat the $100 and take it to a place that specializes in suspension work (not a chain, do some research on good independent shops in your area) and get a second opinion and get the work done there. That $100 is not wasted, it's a baseline.

You won't get out of this cheap. The cheaper you try to get out of this the more expensive it'll get. Welcome to the game.

[chezzy79]

Thank you for the all the inputs, my deductible is stupid high at $2,500 but luckily I had coverage for custom parts too, so if the total repair cost is over $1,500 I will contact the insurance and have them repair the bumper, front lip, wheel, and possibly tire as well. But I will definitely need to take it to a different shop first with a frame puller and alignment machine.

[ZionsWrath]

Originally Posted by chezzy79

Thank you for the all the inputs, my deductible is stupid high at $2,500 but luckily I had coverage for custom parts too, so if the total repair cost is over $1,500 I will contact the insurance and have them repair the bumper, front lip, wheel, and possibly tire as well. But I will definitely need to take it to a different shop first with a frame puller and alignment machine.

Id be reluctant to report an incident like that to insurance. Single vehicle at fault accident will be a huge red flag on your account. How is your driving record otherwise?

[Summerwolf]

2500 dollar deductible!?!?!? Jfc, why even have insurance? Lol.

That looks like a decent amount of damage, probably to the subframe. I don't think they're trying to screw you, they probably took it apart and realized how bad it truly was. Happens all the time with insurance estimates, easy to happen in this situation.

[White64Goat]

Hit curb avoiding deer......................or sasquatch.........whichever you have in WA.

[White64Goat]

Originally Posted by Summerwolf

2500 dollar deductible!?!?!? Jfc, why even have insurance? Lol.

Not sure what type of health care insurance you have, but the wonderful morons in Congress that voted in the 'Affordable Health Care Act' (better known as Obamacare) have screwed the American public WAY worse than a $2500 deductible.

Unless you are rich and can afford their top of the line premium which lowers your deductible, then you have to choose what your income can afford. One of the cheaper plans (without a government subsidy, which is what the poor people get, gov't help) then here is what one of the plans is: $122.25 a month ($1,467 a year) with...........you'll love this.........an $8,500 deductible. Yeah, $8,500 deductible. If you don't take the Obamacare and don't have other private coverage, you can be fined $695 a year (and up) for not having it. Now, if you ask me, I rather have to pay the f'ing penalty than $122.25 and month and have an $8,500 deductible, which unless you have some type of really bad accident, you're basically paying the government to insure poor people. Uh huh, yeah you are.

Why the American public isn't beating down every Congressman's door who voted for this piece of crap plan is a damn shame...............

So, if you think a $2,500 deductible is outrageous, just think about all the Americans taking it in the backdoor for Obamacare.

[stevesnj]

Originally Posted by guybo

I'd eat the $100 and take it to a place that specializes in suspension work (not a chain, do some research on good independent shops in your area) and get a second opinion and get the work done there. That $100 is not wasted, it's a baseline.

This is craziness, pay $100 then take it someplace else only to have it diagnosed again? Man I can only imagine how many times you've been duped.

[RichardsFRS]

Hello insurance, I was drifting and I wrecked yes will you cover me?
Probably laugh you off the phone and if you show up in person, kick you out the office. If you do choose to lie to them they will most likely catch the lie as they will investigate the damage, want to know where it happend, how it happend

BTW you have your deductible set way to high. If you have to set it that high to afford the insurance, you can't afford the car.Stupid krap like this is one of the reasons insurance is so high anyway and you have to pay a large deductible to afford it

[shellslinger]

As an insurance adjuster, I would suggest you file a claim anyways. At least you'll get a free estimate from one of your insurance carrier's shop. That would be a good idea. Without reading your policy, and if its not an intentional act in commission of a crime the claim will most likely be covered. Don't quote me on that but any decent insurance policy would not exclude your claim unless you intentionally decided to hit the curb on purpose and file a claim.

[Summerwolf]

Originally Posted by White64Goat

Not sure what type of health care insurance you have, but the wonderful morons in Congress that voted in the 'Affordable Health Care Act' (better known as Obamacare) have screwed the American public WAY worse than a $2500 deductible.

Unless you are rich and can afford their top of the line premium which lowers your deductible, then you have to choose what your income can afford. One of the cheaper plans (without a government subsidy, which is what the poor people get, gov't help) then here is what one of the plans is: $122.25 a month ($1,467 a year) with...........you'll love this.........an $8,500 deductible. Yeah, $8,500 deductible. If you don't take the Obamacare and don't have other private coverage, you can be fined $695 a year (and up) for not having it. Now, if you ask me, I rather have to pay the f'ing penalty than $122.25 and month and have an $8,500 deductible, which unless you have some type of really bad accident, you're basically paying the government to insure poor people. Uh huh, yeah you are.

Why the American public isn't beating down every Congressman's door who voted for this piece of crap plan is a damn shame...............

So, if you think a $2,500 deductible is outrageous, just think about all the Americans taking it in the backdoor for Obamacare.

That is health insurance.... not car insurance. Obamacare is generally hated, but that is another topic. I had no idea people even had deductibles higher than 1,000 regularly until I bought an 86 and 2,000 seems almost normal on this board.

Guess the kids have to keep their premiums down somehow lol. Trashing these cars help nobody though.

[lazyluka]

Originally Posted by chezzy79

Thank you for the all the inputs, my deductible is stupid high at $2,500 but luckily I had coverage for custom parts too, so if the total repair cost is over $1,500 I will contact the insurance and have them repair the bumper, front lip, wheel, and possibly tire as well. But I will definitely need to take it to a different shop first with a frame puller and alignment machine.

I live in another country and not a mechanic, so not sure how good this advice is, but my 2c would be:

• You were drifting/attempting to. Forget insurance if it's just a few parts that need fixing. If the subframe is damaged then insurance may be a good idea, however I expect they will f**k you over with increased premiums.
• Go to another car shop, dealerships tend to be more expensive.
• If you are paying for the repairs out of your own pocket, look at aftermarket LCA's, bushings etc if you can afford it. Great time to upgrade!

If you are strapped for cash, try find a wrecker with a damaged BRZ/FRS and get them to take the front LCA arms off. You don't need brand new replacements provided the donor car has an undamaged front half. Maybe even flood/water damaged would be OK? This would get you all the bushings as well so cost could be minimal.

If you have the tools and are confident/have a friend who can help, replacing the front arms yourself wouldn't be impossible either.

Fixing the subframe would be best left to professionals.

[PandaSPUR]

Originally Posted by White64Goat

Not sure what type of health care insurance you have, but the wonderful morons in Congress that voted in the 'Affordable Health Care Act' (better known as Obamacare) have screwed the American public WAY worse than a $2500 deductible.

Unless you are rich and can afford their top of the line premium which lowers your deductible, then you have to choose what your income can afford. One of the cheaper plans (without a government subsidy, which is what the poor people get, gov't help) then here is what one of the plans is: $122.25 a month ($1,467 a year) with...........you'll love this.........an $8,500 deductible. Yeah, $8,500 deductible. If you don't take the Obamacare and don't have other private coverage, you can be fined $695 a year (and up) for not having it. Now, if you ask me, I rather have to pay the f'ing penalty than $122.25 and month and have an $8,500 deductible, which unless you have some type of really bad accident, you're basically paying the government to insure poor people. Uh huh, yeah you are.

Why the American public isn't beating down every Congressman's door who voted for this piece of crap plan is a damn shame...............

So, if you think a $2,500 deductible is outrageous, just think about all the Americans taking it in the backdoor for Obamacare.

Health care is a bit different... there's co-pays for more typical health issues (doctors visits for example) that are much lower. The "deductible" for health care is better viewed as a "out-of-pocket maximum" and is considered for the entire year of coverage, so in a year you won't spend more than your "deductible." Whereas with car insurance, deductibles are charged every time you file a claim, there's no yearly maximum. Plus, single surgeries can easily cost more than what our cars are worth brand new lol.

2,500 is pretty nuts for car insurance though o_o wtf. For that price, I agree, avoid insurance claim, eat the $100 and just go to a specialty shop if you're worried about the dealership prices.

[Drakiv]

And I thought my insurance deductible was too high at $500......but $2500?! I would get better insurance. I have been contemplating going to no deductible.