Another FR-S Down - Page 3 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Summerwolf · 05-14-2015, 06:40 PM

Lawyer up. I would never take that car back after being repaired, especially when your insurance agency is wanting to total it.

Hope you went to the hospital.

zc06_kisstherain · 05-14-2015, 06:40 PM

glad you are ok..cant believe they try to fix it lol

pinski · 05-15-2015, 09:33 AM

First and foremost, very glad you and the other driver came out okay. I'll echo the others here and think you should probably consult an attorney both for your injuries and your car. Personally, I wouldn't want to drive a twin that has suffered $15k+ in repairs and I doubt you do as well, so I'd fight to total it. If they make you keep it, make sure you fight hard for diminished value.

RickyBobby · 05-15-2015, 10:32 AM

I find it hard to believe that her insurance company will not total your car with $15K damages in NY where the the total loss ratio (cost of repairs/actual cash value) is 75%.
http://www.claimsjournal.com/news/na.../05/240841.htm

Obja · 05-15-2015, 10:36 AM

RIP

Shady195 · 05-15-2015, 05:38 PM

Well, I am getting bent over nicely..

I've spoken with two lawyers who have both said the same thing, in NYS I am fucked.

Payout on my car is 18,898 (thats minus my deductible which maybe ill get back when nationwide goes after the other insurance company) so 19,898 total..

I owe 21700 on the car.. so I'm out of pocket the rest of the money and I have 0 legal grounds to go after them to obtain the rest even though I was not at fault.

billyk · 05-15-2015, 05:42 PM

Now that really sucks.
Sorry to hear it.

Jaden · 05-15-2015, 05:56 PM

Quote:

Originally Posted by Shady195

Well, I am getting bent over nicely..

I've spoken with two lawyers who have both said the same thing, in NYS I am fucked.

Payout on my car is 18,898 (thats minus my deductible which maybe ill get back when nationwide goes after the other insurance company) so 19,898 total..

I owe 21700 on the car.. so I'm out of pocket the rest of the money and I have 0 legal grounds to go after them to obtain the rest even though I was not at fault.

go to a doctor, get the rest and then some...

Jaden

soulreapersteve · 05-15-2015, 06:10 PM

Quote:

Originally Posted by Shady195

Well, I am getting bent over nicely..

I've spoken with two lawyers who have both said the same thing, in NYS I am fucked.

Payout on my car is 18,898 (thats minus my deductible which maybe ill get back when nationwide goes after the other insurance company) so 19,898 total..

I owe 21700 on the car.. so I'm out of pocket the rest of the money and I have 0 legal grounds to go after them to obtain the rest even though I was not at fault.

No GAP insurance? Forgive my ignorance if this doesn't apply here.

Sorry to see you won't get your full money back

MokSpeed · 05-15-2015, 06:45 PM

This was frustrating to read and see! Sorry about your unfortunate accident, but it is good to know that you and your family are free of any major harm.

Perhaps it's time to replace Slyvia with Silvia.

themadscientist · 05-16-2015, 08:48 AM

Such a bunch of bullshit what's happening to you. I pay the extra on my insurance out of fear of just this scenario. If they total it out can you try to sell the parts off it? Maybe you can make up the difference? It's heartbreaking to do it, but maybe it will cover the rest if you part it out. Poor car.

Tcoat · 05-16-2015, 09:30 AM

Quote:

Originally Posted by themadscientist

Such a bunch of bullshit what's happening to you. I pay the extra on my insurance out of fear of just this scenario. If they total it out can you try to sell the parts off it? Maybe you can make up the difference? It's heartbreaking to do it, but maybe it will cover the rest if you part it out. Poor car.

If they total it then the car belongs to the insurance company. If you take parts off it they will charge you for them. You don't get the money and the remains of the car.

I also pay extra for replacement value. If mine is totalled it is directly replaced with one a model year newer.

themadscientist · 05-16-2015, 09:42 AM

That sucks.

Tcoat · 05-16-2015, 10:40 AM

Quote:

Originally Posted by themadscientist

That sucks.

Especially if you had a bunch of mods on it. Company may be nice and let you swap back to stock parts but they don't have too. They won't pay for the mods either unless you had added them to the policy.

05-15-2015, 09:33 AM	#31
pinski Stole my avy from zGrinch Join Date: Sep 2014 Drives: 2015 Audi S3 Location: Greensboro, NC Posts: 472 Thanks: 330 Thanked 348 Times in 193 Posts Mentioned: 5 Post(s) Tagged: 1 Thread(s)	First and foremost, very glad you and the other driver came out okay. I'll echo the others here and think you should probably consult an attorney both for your injuries and your car. Personally, I wouldn't want to drive a twin that has suffered $15k+ in repairs and I doubt you do as well, so I'd fight to total it. If they make you keep it, make sure you fight hard for diminished value. __________________ 2015 Audi /S3 \| Panther Black \| DSG Gone...2014 BRZ, 2010 Lexus IS F-Sport, 2006 Mazda MX5, 1997 Mustang GT

05-14-2015, 06:40 PM	#29
Summerwolf Panda Trueno Join Date: Jan 2015 Drives: No twin now. Location: North Indiana Posts: 3,349 Thanks: 2,113 Thanked 2,409 Times in 1,332 Posts Mentioned: 17 Post(s) Tagged: 2 Thread(s)	Lawyer up. I would never take that car back after being repaired, especially when your insurance agency is wanting to total it. Hope you went to the hospital.

05-15-2015, 10:32 AM	#32
RickyBobby Senior Member Join Date: Jul 2014 Drives: 2013 Firestorm FR-S AT Location: Smokey Mountains Posts: 425 Thanks: 56 Thanked 282 Times in 150 Posts Mentioned: 3 Post(s) Tagged: 0 Thread(s)	I find it hard to believe that her insurance company will not total your car with $15K damages in NY where the the total loss ratio (cost of repairs/actual cash value) is 75%. http://www.claimsjournal.com/news/na.../05/240841.htm

05-15-2015, 05:38 PM	#34
Shady195 Senior Member Join Date: Jun 2014 Drives: '13 10 Series FRS #1203 Location: Albany, NY Posts: 850 Thanks: 7 Thanked 386 Times in 221 Posts Mentioned: 5 Post(s) Tagged: 0 Thread(s)	Well, I am getting bent over nicely.. I've spoken with two lawyers who have both said the same thing, in NYS I am fucked. Payout on my car is 18,898 (thats minus my deductible which maybe ill get back when nationwide goes after the other insurance company) so 19,898 total.. I owe 21700 on the car.. so I'm out of pocket the rest of the money and I have 0 legal grounds to go after them to obtain the rest even though I was not at fault.

05-15-2015, 05:42 PM	#35
billyk Senior Member Join Date: Nov 2014 Drives: 2014 Argento FR-S Location: MD Posts: 273 Thanks: 134 Thanked 190 Times in 83 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Now that really sucks. Sorry to hear it.

05-15-2015, 06:45 PM	#38
MokSpeed Granny Shifter Join Date: Apr 2014 Drives: 2014 FR-S Location: United States Posts: 2,094 Thanks: 539 Thanked 1,289 Times in 711 Posts Mentioned: 24 Post(s) Tagged: 0 Thread(s)	This was frustrating to read and see! Sorry about your unfortunate accident, but it is good to know that you and your family are free of any major harm. Perhaps it's time to replace Slyvia with Silvia.

05-16-2015, 08:48 AM	#39
themadscientist Hotlink Terrorist Join Date: Nov 2014 Drives: 2015 WRB BRZ Spec S Location: "Dirty South" Japan Posts: 2,077 Thanks: 1,525 Thanked 2,624 Times in 1,196 Posts Mentioned: 12 Post(s) Tagged: 0 Thread(s)	Such a bunch of bullshit what's happening to you. I pay the extra on my insurance out of fear of just this scenario. If they total it out can you try to sell the parts off it? Maybe you can make up the difference? It's heartbreaking to do it, but maybe it will cover the rest if you part it out. Poor car.

05-16-2015, 09:42 AM	#41
themadscientist Hotlink Terrorist Join Date: Nov 2014 Drives: 2015 WRB BRZ Spec S Location: "Dirty South" Japan Posts: 2,077 Thanks: 1,525 Thanked 2,624 Times in 1,196 Posts Mentioned: 12 Post(s) Tagged: 0 Thread(s)	That sucks.

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