shit happensssssssssssssss

[ntron1]

Originally Posted by aznatama

Are you in any way injured? I would definitely start by:

1. Getting a medical eval ASAP, even if you feel "fine" right now. Airbags went off, there's bound to be some whiplash or muscle strain fro such a hard hit.

2. Contact a personal injury attorney ASAP, tell them about the accident, and that you want to file a diminished value claim.

3. Follow attorney's instructions, sit back, get compensation in a few months.



A DV claim is the loss in value of your car which you can claim. A car w/o an accident is worth more than a car w/ an accident. Basically, you look at what a car would cost retail value before accident, compared to value after accident with repairs. That's a general estimate of the diminished value you could get. It's a bit more complicated than that, but that's the gist of it.

Or you could just wait for an ambulance to drive by and run after it....

[Alltezza]

Dude, this post really heated me up. I'm sorry man, I hope that fcker gets whats coming to him.

And I hope it's totalled, I can't believe you had 400 bucks left on the car. I hope they give you another new BRZ. I hope everything goes well for you.

[Stewie]

Originally Posted by aznatama

hope you took lots of pictures and got a police report.

It'll likely NOT get totaled, but airbag deployment is pretty serious in eyes of insurance.

Make sure you file a diminished value claim if it isn't totaled. If it is totaled, fight for amount you paid for the car.

In most instances you can't file a diminished value claim against your own insurance policy. They normally have an exclusion written in the policy. Diminished value claims are normally claimed against the at fault party's insurance company.

[Simplicity]

Dammit dude should've got his license plate... with no evidence, it's going to be tough. Keep us updated.

Via Note 4 using Tapatalk.

[Stewie]

Originally Posted by G8mou

400 is the balance i have left on my loan that i owe the bank. the adjuster is going to inspect the car tmr. and whats my next step? if he decided its totalled, what to do ? what if he says its not totalled, fixable? should i believe what he say or fight till he says its totalled

If they decide its totaled then they will issue a check for the current ACV (actual cash value) of the car as determined by various methods that they use. They will explain how they arrived at the figure. You can try to fight them if you don't agree on the value, but normally it's a tough fight to try to get more than what they have appraised it for. They put the burden of proof on the claimant to prove why it's worth more after they make their initial offer.

If they say it's repairable, then they'll fix it.

[Jvalich]

Just went through a couple of accidents my 18 yr old had. Totaled the wife Jetta. Insurance company used a third party to value the car. The report was lengthily and very detailed. I felt comfortable they were being fair. I wanted fair, not getting screwed or screwing them.

Next aaccident he hit my BRZ parked in my driveway with my F-250... guess which vehicle won that contest? Cut out and replaced driver rear 1/4 and new door as they do not sell skins. Insurance paid out just under 5K. I had just "cosmetic" damage, no mechanical. They may just total it, IMHO, it will be close.

By the way, the young' got a speeding ticket in-between that, They canceled my insurance last week, or refused to reinstate that policy and want a new one... monthly premium with him on the policy, $997/month. He is now "excluded" and I'm with another company at $277/month for the new Accord (Jetta replacement) and my F-250. BRZ is a "work" car on my commercial policy.

[aznatama]

Originally Posted by Stewie

In most instances you can't file a diminished value claim against your own insurance policy. They normally have an exclusion written in the policy. Diminished value claims are normally claimed against the at fault party's insurance company.

Yeah, it's filed against the other insurance company. Getting an attorney helps.

[aznatama]

Originally Posted by ntron1

Or you could just wait for an ambulance to drive by and run after it....

That's illegal. Besides, good luck getting pain and suffering without an attorney.

[extrashaky]

Originally Posted by Stewie

Insurance companies determine if the car is totaled by looking at the amount of damage vs the value of the car. They begin to start considering totaling it around 75%.

That depends on the state. It ranges from 50% (Iowa) to 100% (Texas), or the insurance company can use the "Total Loss Formula" (TLF), which totals the car if this is true:

Cost of Repair + Salvage Value > Actual Cash Value

If OP's profile is correct, it looks like he's in California, which is a TLF state. The insurance company would normally use the formula above to determine whether it's totaled. In that case, there's a good chance they'll total it, because the salvage values on these cars are pretty high.

Here's a list of the loss thresholds in each state and a decent article about how that works:

http://www.claimsjournal.com/news/na.../05/240841.htm

[aznatama]

Salvage value for my car was 9k... Not that high really. If he gets totaled, no diminished value. Might be better off getting diminished value + repaired car, then sell car...

[G8mou]

the inspector said it looks fixable on the surface, but had to get the car towed to a auto shop to get it taken apart to see what really was damaged.......
but since the rear tire is all jammed inside, not to mention the air bag on the passenger side deployed, im guessing the chasis/suspension or axles is badly damaged ?
but i still need to wait for them to tear is down to see whasup.....

any hope that is actually fixable? but will the car still ride the same if its all fixed up?

[DavidBob]

sorry to tell you but its totaled if its body work + suspension + airbags then theres no doubt its totaled
glad to hear youre ok tho, goodluck with it!!
-Dave

[jeepmor]

I read one thread a while ago where a similar level of damage was done. The owner wasn't getting "it's totaled" from the insurance company. Then he started pushing for diminished value, then they decided to total it.

Might be a lever to try.

[G8mou]

i think the axles is gone lots of body works too, suspension maybe.
result wont b until tmr, smd waiting is a bitch
what if its totalled? i have full coverage on my insurnace? what if they decided it aint totalled, how should i fight for it to be totalled.