Crashed BRZ Help Plz!
 

I got into my first accident ever last night. I swerved into a car in the next lane of the freeway causing damage to basically the entire side of my car. I have never had to use insurance before and have basically no idea how it works. I have full coverage with a 1000$ deductible. I'm assuming i will need a new passenger door, front fender and i have no idea how they will fix the rear fender.

Assuming the other car has similar damages, how big of a bill am i facing and how much will insurance cover?

Like I said, I have never been in this situation before. I am sick to my stomach. Anything advice helps

You caused the accident, so you'll probably be viewed as at fault. Congrats, your insurance is about to go up.

Call them, tell them what happened, give them the name and number of the other party, pay the deductible, and let them go to work. If they decide you're at fault, your insurance will pay for the other party's damages as well.

They'll send out an inspector to look over your car and then direct you to a body shop they work with. Hopefully you have rental coverage, otherwise that'll come out of pocket. The body shop makes your car right (hopefully!), and you drive out with a car that looks new again, at least $1,000 poorer than before you started.

I definitely was at fault, the other car is my responsibility too. So if i have a 1000$ deductible, that is the maximum out of pocket that i will pay?

Yes, unless you don't have rental car coverage or another car available to you. You'll need something to drive while your BRZ is in the shop. If you have to rent a car out of pocket that might get expensive.

Yea your insurance is going to shoot up unless you have accident forgiveness. And that looks like alot of damage so be prepared to rental a car for a couple of weeks. The insurance will more than likely cover everything has long as you pay them the $1000 dect, and depending on the other person's car value and damage.

If you need to rent a car, check out FOX Rent A Car. They have a location at Seattle Airport. They usually have pretty decent rates and weekly specials. Check with your insurance company to see if they cover you if you are in a rental and have a mishap. Most insurance co.'s do, so you don't need to buy all the extra rent-a-car insurance from the rental agency.

thanks for the help guys. I dont think i am going to need a rental, my folks have an extra car that i should be able to borrow if needed.

Any guesses as to what kind of bill the repairs will be. I need a new front fender, and possibly new door. The damage behind the passenger door is what scares me, i have no idea how that will be fixed.

Shop around for body shops to do the work because it's harder to get your money back or for them to do the work a second time if it isn't right the first time, especially at shops where you would find yourself in that situation.

I wouldn't go back to the dealer for that work either. Since your gonna be past your deductible, find the place that's gonna make it right.

I bumped a minivan with my rear fender once and con-caved it. The body shop was easily able to fix it and said it was a "small" job for them that they were able to get in and out in a day. They did, so I'm sure all of that can be fixed, so don't worry too much.

As has been said repeatedly just pay the deductible and be done with it.
Yes, it will be $1000, yes, your insurance will go up, yes, it is a pain in the ass, but to try to pay for both cars to be repaired out of pocket would be much more!

I had a small wreck in my corvette. I was at fault, I admitted it from the beginning. The other guy already called his insurance so my insurance was aware of it. The next morning some dude called me and recorded my side of what happened to take it to the "board" to determine who was at fault. I got a call a few hours later to be told i was at fault. No insurance person came out to look at my car. Paid the deductible. Took it to a shop, they paid for my car as well as the other guys car. I have accident forgiveness as well.

The amount it will cost to fix the car is pretty much irrelevant as insurance will take care of it. The corvette took $2400 to fix, I know this only because I asked the shop as to how much it would be.

About 6k worth of damage

Just make sure you take it to a reliable and trustworthy body shop. The insurance will give you a list of their recommendations, but you are allowed to take it to any shop you please.

At the scene of the accident, you call the police to report it.

Then you call your insurance and let them know what happened. You should get a claim number at that point and they'll tell you to take it to a body shop.

You then take the car to a body shop of your choice and get the estimate and allow them to begin repairs.

As that is going on, your insurance company is going to interview you.

You pay your 1000 dollar deductible at the time of picking up your car.

Hopefully that's it... Just hope the other person doesn't sue you for whatever reason.

The other person does the same thing except they don't pay anything when they pick up their car.

You'll pay for whatever isn't covered by your insurance.

Like for example if you have 25k coverage and your accident is 30k, you'll fork out an extra 5k. (That's the simplest way to explain), but there's details like "per accident" "per person"...but i'll let the insurance company explain that to you.

looks like you'll also need a new wheel or two.
How old are you? What is your driving record like? An accident can really slaughter your insurance.