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.

Just do it right. I had Geico (not at fault-- other party's insurer) do repairs at their certified abra bodywork place or whatever bc I had some damage of my own to fix (long story, playin in the mud, slid into a tree trying to push the car out) and they offered to repair my damage for $400 (all other bodyshops quoted me at 600-800). I thought with the decent reviews they had and the worker I spoke to had a professed love for the BRZ, it would be good. Thing is the work came out OK- bodywork just isn't as crisp as original, paint looks real good but definitely some sub-par panel fitment. The insurer said I could come back, but I worked in a shop and I know how comebacks are often treated and didn't want to risk it. So get it done somewhere good the first time, research research, research!

first time RWD?

you wanna know how the fix your car?, they will replace your front fender, replace that door take off that rear bumper and cut the rear off. then patch up your rear fender. paint it all at the same time. youre looking to be out of a car for atleast 2-3 weeks. and it will cost probably near 10k taking it off your insurance. so you pay 1k and your insurance pay close to 7-8k or so.

I had a hater kicking my car and it cost me nearly 8k just to fix the front and rear fender. in your situation your door is also damaged so i would assume it be more. i forgot to mention the front bumper has a crack.

Agree with everyone in here. Relax, mistakes happen. Be grateful you and the other person are both ok because it could have been a lot worse. Pay the deductible, manage your new and higher insurance payment and shop for the best damn repair shop you can find. You do not have to use their recommended shops. Do your research. You don't want a hack job. Lastly, and I am sorry to say but expect your car to be worth less than it is for resale value even if it looks new after the work.

Whatever kid, this us life. You will forget about the event a week after you get the car back so its not worth freaking out about it today.

Sometimes you can find a shop that will pay your deductible, too. I've never personally dealt with one before, but I would just make sure they have a solid rep - as others have said.

Glad to hear that everyone's alright. Stuff happens, try not to let it get you down.

Thanks for all the help. Now I have a new dilemma and I can't believe I would even consider this... Would now be a good/easy time to go wide body? My logic with no background in bodywork is that it would be fairly easy to slap on a km4sh kit or something else while the damage is getting fixed.

Insurance is not going to pay for a wide body.

Insurance will cut you a check based on the appraised damage then you can pay for the wide body/work yourself.

Your correct, however what wide body kits are made that does not require full body panels to begin with? Even with the RB. You need the factory bumpers and fenders to make it work. They are not full replacements. Insurance will pay to replace the broken body panels, not the added cost of the widebody add ons.

I love this forum and this car. Only here would someone turn lemons into lemonade by looking at a recent collision as an opportunity to mod.

Spoken like a true optimist!

And - turn your mirrors out a bit so you can see your blindspots.

Drive safe.

Insurance will only cut him a check if the car is completely paid off... otherwise they will make out the check the the bodyshop and vehicle's owner, that way if the vehicle is repo'd the vehicle is at least repaired correctly.

A couple of the rocket bunny kits do have complete bumers, as does the Varis kit... but, good luck on that one. especially when you tell them they need to paint the otherside. lol


They may choose to repair the quarter panel skin and skin the door. It's hard to tell from the pictures if the door is deeply dented or just has more of a road-rash type damage.

Beware that wide body costs more than just the kit to do right.

Suspension/ Wheels are extremely costly and are only the start of what might be needed. Not accounting for shop time

I have zero knowledge of bodywork but to me it looks like I could replace the fender and door skin and cut most of the damage off the rear quarter and slap the widebody on after that...

However the car is not paid off, and according to above posts I won't be able to get a check from the insurance claim so my plan won't work. Guess I'll just have to get it repaired to stock condition.

I was just thinking I could kill two birds with one stone and just cut off the damage and put overfenders on over that.

Cut the rear damage out? thats just cray

yes, cut out the damage. You have to trim that exact same spot to put on any RB kit... even the K4MSH

You said you will slap on a wide body after the repair is fix, if you are thinking it will hide the cuts let me tell you that you won't see ANY cut, you car will look like how it came out from the factory, you should be checking for match paint if anything. Don't worry insurance got you covered.

Not saying it isn't possible might want to hit up more information on the forum / rocket bunny section, just want you to know the insurance most likely won't cover the cost of doing the entire RB wide body

legally the insurance wont cover it, (BUT UNDER THE TABLE) : you can ask the body shop to claim full OEM parts price and use aftermarket parts and get a bodykit or even earn some money back.

bottom line, they HAVE a way to increase the total cost and you CAN get extra out of your repair. Heck you can even get them to take our your deductible. OF COURSE you have to deal with the shop.

That a fantastic idea until you realize the consequences of getting caught doing that. Insurance fraud is not something anyone should suggest openly on a forum, let alone condone.

OP, call your insurance company and ask them what you need to do, That's what you pay them for.

im not saying you should do it, but it's just something 80% of Asian body shop do in Nor Cal.

Flares
 

You Could cover the part behind the doors buy adding flares. it would make your car look better and fatter :w00t:

Do bodyshops still cut up panels for repairs on new cars? The way the panels on cars are designed now I thought they just get a whole brand new panel, paint and swap? I would have thought this is both faster and easier. The bodyshop still charges the insurance company the same though of course.

And this is why insurance is so expensive, it the shop is offering to pay your deductable, how much are they ripping off the insurance company??

We all love to complain about how much insurance costs but the reason it costs so much is because there is an entire industry based around getting as much money out of the insurance company for a repair that costs significantly less.

We had a analogous situation in Australia recently, there was a program created by the government to incentivise installing home roof insulation, the government would pay up to $1500 for each installation. Want to guess how much the majority of the installations cost? $1500, what a coincidence!!!

That's typically not the case when shops pay your deductible. What usually happens is they 1/2 arse repairs on your cars to absorb the price they are knocking off. Examples would include:

• Taping trim off instead of removing it
• Repairing parts instead of replacing
• Getting paid for new part and using Used and/or Aftermarket
• Panel painting instead of blending