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Cosmetic Maintenance (Wash, Wax, Detailing, Body Repairs) Wash, Wax, Details, Repairs |
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01-17-2017, 02:19 PM | #15 | |
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Depends on whether you are an 'occasional' driver or a family member driving the car regularly (particularly if you are under 25). For example, with my insurance company the insurance rate on the FR-S is based on my age/record even though I have two sons in my household, on my insurance, under the age of 25. That is because they have their own car where they are listed primary driver. If they were listed as primary driver of the FRS, or did not have their own car, the insurance on the FRS or MomHawk's Mustang would be substantially more. If they were driving my car (which is covered) but the insurance company determined they were really the primary driver of the FR-S, then the company could deny the claim. So, yes the insurance coverage follows the car, but the rate charged for the insurance is based on the primary driver. Not saying that is your situation, but I'm pretty sure if my 19 year old wrecked my FR-S, the insurance company would be within their rights to ask for some sort of verification I had not been committing insurance fraud by playing around with who drives what to avoid higher rates.
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01-17-2017, 02:22 PM | #16 | ||
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The Following User Says Thank You to Tcoat For This Useful Post: | guybo (01-18-2017) |
01-17-2017, 02:26 PM | #17 |
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@Tcoat got a ninja post on the insurance rates in while I was being long-winded...so what he said!
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01-17-2017, 02:27 PM | #18 | |
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Racecar spelled backwards is Racecar, because Racecar.
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The Following User Says Thank You to Tcoat For This Useful Post: | Dadhawk (01-17-2017) |
01-17-2017, 02:34 PM | #19 |
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That car looks repairable to me, but I'm no expert. None of the glass broke, which tells me the impact wasn't hard enough to damage anything further in. The flat tired could be caused by the lateral movement breaking the bead. It's happened to me on the track. Tire was fine, just dirty.
The insurance company or you are going to have to go after her to collect.
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01-17-2017, 04:20 PM | #20 |
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All I'm saying is it is possible that the wheel or tire was hit because you can see that the hit went all the way up to the rear of the wheel well on the fender, so the Avenger could have made contact with the tire/wheel. Didn't say it was definite based on any perceived damage to the tire or wheel aside from the tire looking pretty flat. As you said, the rocker panel may have been pretty damaged from the hit, so I guess we just have different ways of saying the car may be bent. These cars don't really strike me as the type to be hit and survive. They're light, and the body panels are light. They'll get hit and protect you as an occupant, but at the cost of themselves. I could be wrong, but I never claimed to know it all or be an expert.
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01-17-2017, 05:03 PM | #21 | |
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01-17-2017, 05:12 PM | #22 | |
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The bad news should be for her in this situation. If the other driver is at fault in this situation they are responsible to cover the damages that they caused whether it is 10k or 100k. What they are liable for has nothing to do with the amount of insurance coverage that they have but the amount of damage that they have caused. This persons insurance will only cover so much, that is true, but you still have the right to go after them personally to cover the repair costs to your car. I don't want to come across as sue happy but I would consider it an option for a valid debt. Your dad's insurance may not want to pay for an under-insured driver if their customer was not at the wheel but the other driver is still responsible for the damage. Ever wonder why many home owners carry more insurance than the required minimums? A home is an asset that can be leined in the event they owe a debt. |
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01-17-2017, 05:39 PM | #23 | |
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he won't be able to get the plate number...at least it will only show his insurance that he wasn't at fault resulting in the car crash but that is about it |
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01-17-2017, 08:37 PM | #24 |
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Thanks for all the info guys I really appreciate it. I'll keep you updated once the dealer lets me know what's going on. Today when I drove the car to get into the tow truck I felt like it was unbalanced a little shaky like the suspension was Lower on one side it could of just been me idk. We will have to wait and see what they say
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01-17-2017, 09:07 PM | #25 | |
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But this is besides the point, dash cams are used to simply prove you're not at fault. They also some in super handy in his situation where someone actually fled the scene, which is a criminal offense in most cases mind you, if he had a dash cam and there were not witnesses, there's a possibility it could have caught the make/model/color of the car. Which is incredibly useful to the police. And they're like a hundred bucks dude, there's no reason not to have one....unless you hate technology. *EDIT* if anyone is interested, this is the camera I have. Check out some youtube reviews if you're skeptical of the quality. - https://www.amazon.com/SpyTec-A119-L...ds=spyetc+a119
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01-17-2017, 10:39 PM | #26 |
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I remember four years ago when my brother got t-boned in his old BMW in a parking lot by a huge Jeep. When they took it in to the dealership they originally said that it could be easily repaired as it seemed to just be the door that had been damaged, but just two days later they called back and said that the damage was more extensive than they predicted and the car was indeed totaled. Most of the time when mechanics do a first-time damage diagnosis they just eyeball it and rely on their assumptions which are almost always wrong. Never trust a mechanic's judgement when he uses phrases like "it looks like...", or "it seems to me...".
Not saying you should lose hope or anything but they probably haven't even removed the panels yet and looked at the frame. |
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01-18-2017, 12:00 PM | #27 | |
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01-18-2017, 12:25 PM | #28 | |
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The Following User Says Thank You to Tcoat For This Useful Post: | Dadhawk (01-18-2017) |
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