Crashed BRZ Help Plz! - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Colpup · 10-26-2014, 06:28 PM

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

gramicci101 · 10-26-2014, 06:51 PM

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.

Colpup · 10-26-2014, 06:56 PM

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?

gramicci101 · 10-26-2014, 07:02 PM

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.

brandonblt2 · 10-26-2014, 07:38 PM

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.

White64Goat · 10-26-2014, 09:14 PM

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.

Colpup · 10-27-2014, 12:13 AM

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.

AtlasMick · 10-27-2014, 08:05 AM

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.

Tcoat · 10-27-2014, 10:25 AM

Quote:

Originally Posted by Colpup

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.

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!

dbrandt01 · 11-01-2014, 12:55 AM

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.

J_kennington · 11-01-2014, 01:19 AM

About 6k worth of damage

Noz · 11-01-2014, 11:46 PM

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.

N1rve · 11-02-2014, 02:56 AM

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.

Bigbadvoodooguru · 11-02-2014, 03:18 AM

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.

10-26-2014, 06:28 PM	#1
Colpup Member Join Date: Oct 2013 Drives: Toyota 4runner Sport Edition Location: Seattle Posts: 42 Thanks: 8 Thanked 4 Times in 4 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	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 Attached Images

11-02-2014, 02:56 AM	#13
N1rve Senior Member Join Date: Oct 2013 Drives: 2019 BMW ///M4 Location: Los Angeles, CA Posts: 2,332 Thanks: 102 Thanked 1,167 Times in 714 Posts Mentioned: 28 Post(s) Tagged: 0 Thread(s)	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. __________________ N1rve 2019 BMW ///M4 - Alpine White \| Sakhir Orange/Black Leather \| M-DCT \| Executive Package \| 19" Black 437M Wheels \| Carbon Fiber Trim \| Sunroof \| Active Blind Spot \| Heated Steering Wheel \| Adaptive M Suspension

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
Crashed Brz! :(	racelegend	Scion FR-S / Toyota 86 GT86 General Forum	9	11-04-2013 12:03 PM
SoCal: Looking for crashed FRS/BRZ	DTMAUTOBODY	Want-To-Buy Requests	2	08-08-2013 05:34 PM
Crashed my frs.	Itssrayyxd	Scion FR-S / Toyota 86 GT86 General Forum	67	05-14-2013 03:35 AM
FRS crashed in Miami?	Sportsguy83	Southeast	9	09-14-2012 11:05 PM
who crashed	Toyobaru808	Hawaii	3	08-24-2012 09:15 PM

10-26-2014, 06:51 PM	#2
gramicci101 Off Topic Join Date: Feb 2014 Drives: 2014 Subaru BRZ Limited Location: Vegas, baby! Posts: 4,610 Thanks: 2,369 Thanked 4,243 Times in 2,170 Posts Mentioned: 43 Post(s) Tagged: 3 Thread(s)	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.

10-26-2014, 06:56 PM	#3
Colpup Member Join Date: Oct 2013 Drives: Toyota 4runner Sport Edition Location: Seattle Posts: 42 Thanks: 8 Thanked 4 Times in 4 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	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?

10-26-2014, 07:02 PM	#4
gramicci101 Off Topic Join Date: Feb 2014 Drives: 2014 Subaru BRZ Limited Location: Vegas, baby! Posts: 4,610 Thanks: 2,369 Thanked 4,243 Times in 2,170 Posts Mentioned: 43 Post(s) Tagged: 3 Thread(s)	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.

10-26-2014, 07:38 PM	#5
brandonblt2 The Stig's African Cousin Join Date: Apr 2014 Drives: 2014 wrb brz Location: NJ Posts: 720 Thanks: 1,547 Thanked 486 Times in 256 Posts Mentioned: 4 Post(s) Tagged: 1 Thread(s)	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.

10-26-2014, 09:14 PM	#6
White64Goat Senior Member Join Date: Jun 2012 Drives: 13 BRZ CBS LTD MT, 02 WRX Location: Fred. Co. Md. Posts: 2,351 Thanks: 65 Thanked 1,113 Times in 628 Posts Mentioned: 19 Post(s) Tagged: 1 Thread(s)	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.

10-27-2014, 12:13 AM	#7
Colpup Member Join Date: Oct 2013 Drives: Toyota 4runner Sport Edition Location: Seattle Posts: 42 Thanks: 8 Thanked 4 Times in 4 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	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.

10-27-2014, 08:05 AM	#8
AtlasMick Senior Member Join Date: Jan 2013 Drives: FR-S 2013 Asphalt Location: Lexington, KY Posts: 226 Thanks: 89 Thanked 65 Times in 35 Posts Mentioned: 5 Post(s) Tagged: 0 Thread(s)	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.

11-01-2014, 12:55 AM	#10
dbrandt01 Senior Member Join Date: Aug 2013 Drives: none Location: N/A Posts: 411 Thanks: 185 Thanked 229 Times in 140 Posts Mentioned: 16 Post(s) Tagged: 0 Thread(s)	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.

11-01-2014, 11:46 PM	#12
Noz Senior Member Join Date: Oct 2012 Drives: Ultramarine Blue FR-S Location: So Cal Posts: 153 Thanks: 44 Thanked 151 Times in 56 Posts Mentioned: 1 Post(s) Tagged: 0 Thread(s)	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.

11-02-2014, 03:18 AM	#14
Bigbadvoodooguru Member Join Date: Jul 2014 Drives: 2014 asphalt FRS Location: Los Angeles Posts: 53 Thanks: 2 Thanked 17 Times in 8 Posts Mentioned: 3 Post(s) Tagged: 0 Thread(s)	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.

User Name		Remember Me?
Password