Quantcast
My parked car got rear-ended at high speed by an uninsured driver... #$@#%!!!! - Beyond.ca - Car Forums
Page 1 of 4 1 2 ... LastLast
Results 1 to 20 of 61

Thread: My parked car got rear-ended at high speed by an uninsured driver... #$@#%!!!!

  1. #1
    Join Date
    Mar 2003
    Location
    YYC
    Posts
    797
    Rep Power
    22

    Default My parked car got rear-ended at high speed by an uninsured driver... #$@#%!!!!

    My car was parked on the street, my wife and I were at a park nearby. I heard the accident and immediately ran over... just had a feeling it would be my car that was hit.

    The driver of the Kia was uninsured. The police was on-site very quickly and took all their details.

    I guess I have a few questions for you guys:
    1. Does this look like a write-off? What % of car value does it usually need to hit before it's a write-off?

    2. If they do repair it, how do they account for value that I will inevitably lose in a resale given the extent of the damage?

    3. Any general advice? I've never been in an accident before in my 20 years of driving... I have the police case number, I have a file started with my insurance, not sure what else I should be getting at this point.



    Last edited by Super_Geo; 07-19-2019 at 01:41 PM.

  2. #2
    Join Date
    Jun 2009
    Location
    Calgary, Alberta
    My Ride
    '14 Taco
    Posts
    809
    Rep Power
    34

    Default

    Did you have gap insurance for the write off value?

  3. #3
    Join Date
    Jan 2008
    Location
    Upstairs
    My Ride
    Natural Gas.
    Posts
    13,332
    Rep Power
    100

    Default

    That's.borderline write off. Not clear from photos.

  4. #4
    Join Date
    Jun 2009
    Location
    N/A
    Posts
    2,977
    Rep Power
    22

    Default

    I believe it was discussed very recently in another thread that you'll get no compensation for any perceived or real diminished value because of this accident. Now I am sort of old so my memory could be faulty here.
    Will fuck off, again.

  5. #5
    Join Date
    Apr 2003
    Location
    Calgary
    My Ride
    F10M/F87/NA2/W220/V90/E46ZHP/SE3P/DC2
    Posts
    6,163
    Rep Power
    48

    Default

    If you have replacement insurance (wavier of depreciation), better pray that the car is written off. Otherwise the loss in value after the accident would leave you SOL.

  6. #6
    Join Date
    Mar 2003
    Location
    YYC
    Posts
    797
    Rep Power
    22

    Default

    Quote Originally Posted by Team_Mclaren View Post
    This quote is hidden because you are ignoring this member. Show Quote
    If you have replacement insurance (wavier of depreciation), better pray that the car is written off. Otherwise the loss in value after the accident would leave you SOL.
    I opted to pay for the waiver of depreciation... really hoping they just replace the car instead of repairing it. If they repaired it, I would have a shitter car to drive and have a really hard time selling it down the road.
    I wonder if it'll make a difference that the car is in SF and not in Canada... makes it less likely they have an autobody shop that they're used to. Plus, all labor will be in USD, and in SF where everything is expensive.

    Name:  macan coverage.JPG
Views: 621
Size:  46.6 KB

    The wording of the policy makes it seem like they'll try to get an equivalent car, and not cut a cheque?
    If so, 2019 is the facelift year for the Macan and they don't have the GTS, just Base/S/Turbo, whereas in 2018 it was Base/S/GTS/Turbo.
    Maybe the silver lining in all this is that they'll replace it with a Turbo

    Also... they make a point of it having the same options. I put in a custom order with options that are rarely on lot cars, so I wonder how that plays out... will they let me order a 2019 car with all the same options? Would they pay for a rental car for the 4-6 months it takes to deliver?
    Last edited by Super_Geo; 07-12-2019 at 01:41 AM.

  7. #7
    Join Date
    Apr 2003
    Location
    Calgary
    My Ride
    F10M/F87/NA2/W220/V90/E46ZHP/SE3P/DC2
    Posts
    6,163
    Rep Power
    48

    Default

    They will have to value the vehicle to the closest model/trim available in the current year. The valuation is sent to the dealer to determine replacement cost, and yes all the options you added on that was on your original bill of sale should be factored in, including accessories that's tangible . AFAIK you are not forced to buy the same car even, they will just cut you a cheque once finalized.

    As soon as the cheque is sent, you lose the rental car as well. How long you wait for your new factory order is then on you

    PS: from the pics, i "think" that's written off, pretty certain there's frame damage as well from that impact on the rear lower beam. You can also kind of tell the rear door doesnt align with the front anymore. Hope i am right

  8. #8
    Join Date
    Oct 2003
    Location
    Calgary
    My Ride
    ute
    Posts
    4,937
    Rep Power
    100

    Default

    damn mna, that sucks

  9. #9
    Join Date
    Jan 1970
    Location
    YYC
    My Ride
    1 x E Class Benz
    Posts
    23,598
    Rep Power
    101

    Default

    Quote Originally Posted by Team_Mclaren View Post
    This quote is hidden because you are ignoring this member. Show Quote
    PS: from the pics, i "think" that's written off, pretty certain there's frame damage as well from that impact on the rear lower beam. You can also kind of tell the rear door doesnt align with the front anymore. Hope i am right
    Frame damage is repairable, unless it’s a Tesla. When I was rear ended sitting at a light at 60kmh or so, my car was completely bent out of shape. Doors and trunk had a hard time closing, wasn’t anywhere close to a write off on a $85k car. This was in my SLK32 back in the day. Had less front damage tho, I avoided a bus and steered into a bus stop instead.

    The way I see it, if you have the replacement cost option, insurance is still going to find the cheapest way out, and would repair over write off to not invoke the bigger payout.

    Hope I’m wrong. Good luck.
    Originally posted by SEANBANERJEE
    I have gone above and beyond what I should rightfully have to do to protect my good name

  10. #10
    Join Date
    Aug 2010
    Location
    Calgary/Alberta
    My Ride
    2011 Chrarger, 2018 F150
    Posts
    57
    Rep Power
    0

    Default

    So Part out
    Name:  download.jpeg
Views: 607
Size:  10.0 KB

    Sorry to hear about that. Smeghead non insured drivers

  11. #11
    Join Date
    Sep 2004
    Location
    Calgary
    Posts
    10,406
    Rep Power
    35

    Default

    Shit man, sorry to hear that. That's such a nice car.

    Threads like this is one of the many reasons why I lease - the stress of something like this would take years off my life, so it's an easy way to get financial protection from things like this, hail, hit & run, vandalism, etc. with no real downside.

    I'd be surprised if that was written off though, especially when insurance sees they would need to buy you a brand new one if they don't repair it. I hope it is, but I bet they try and fix it - even if it saves the insurance company $1. It doesn't look THAT bad, mostly front/rear bumpers, tailgate, and lights barring any major frame damage. Maybe exhaust too. Doesn't look like much happened to the glass / non-plastic parts.

    Hope the uninsured driver gets the book thrown at them - maybe you can sue for depreciation?
    Last edited by Mitsu3000gt; 07-12-2019 at 09:04 AM.

  12. #12
    Join Date
    May 2002
    Location
    Calgary, Alberta
    My Ride
    (maah raahde)
    Posts
    5,799
    Rep Power
    44

    Default

    Quote Originally Posted by Mitsu3000gt View Post
    This quote is hidden because you are ignoring this member. Show Quote
    Hope the uninsured driver gets the book thrown at them - maybe you can sue for depreciation?
    This happened in 'Merica. Why just stop at depreciation? Don't forget mental anguish, physical pain and suffering (for having to run up those steep SF hills), and gender and race discrimination haha

  13. #13
    Join Date
    Jan 2006
    Location
    Calgary
    My Ride
    Axis powers
    Posts
    2,486
    Rep Power
    24

    Default

    My wife was hit from behind a few weeks back stopped in traffic got pushed into the car in front of her, I thought for sure it was a write off but nope they fixed it, I think companies are opting for fixing more than writing things

    The body shop said frames are modular now and can be replaced in pieces
    Sig nuked by mod.

  14. #14
    Join Date
    Sep 2004
    Location
    Calgary
    Posts
    10,406
    Rep Power
    35

    Default

    Quote Originally Posted by D'z Nutz View Post
    This quote is hidden because you are ignoring this member. Show Quote
    This happened in 'Merica. Why just stop at depreciation? Don't forget mental anguish, physical pain and suffering (for having to run up those steep SF hills), and gender and race discrimination haha
    Haha good point, you could probably sue for a laundry list of things on top of the depreciation.

  15. #15
    Join Date
    May 2006
    Location
    Only 15min from Aspen!
    My Ride
    Nothing interesting anymore
    Posts
    8,406
    Rep Power
    100

    Default

    You can sue to your hearts content, but at the end of the day with no insurance covering the guy, you won't see a dime.

  16. #16
    Join Date
    Nov 2003
    Location
    Vernon, BC
    My Ride
    2017 Golf TSI
    Posts
    2,463
    Rep Power
    23

    Default

    Airbags didn't go off and the roof isn't buckled - I'd say it is not a write-off. Given the panel misaslignment I see down both sides it's going to be a bitch of a repair though.

    Usually they draw the line at 75% of the replacement cost of the car to determine whether they will write it off or not. Since you had replacement value insurance I wonder if they would use the full purchase price for that 75%? If so, you're nowhere near a write-off.
    Originally posted by Vagabond142
    Is the best game. Ever. In everness. It is more awesome than a robot caveman punching God in the dick. It is that awesome

  17. #17
    Join Date
    Jan 2008
    Location
    Upstairs
    My Ride
    Natural Gas.
    Posts
    13,332
    Rep Power
    100

    Default

    Having the replacement insurance isn't SUPPOSED to disadvantage you like that. No idea how that works in practice though.

  18. #18
    Join Date
    Sep 2004
    Location
    Calgary
    Posts
    10,406
    Rep Power
    35

    Default

    Quote Originally Posted by ExtraSlow View Post
    This quote is hidden because you are ignoring this member. Show Quote
    Having the replacement insurance isn't SUPPOSED to disadvantage you like that. No idea how that works in practice though.
    My understanding is if its a full-blown obvious write off, you get a new car rather than having to battle with the insurance company over what it's worth on the used market.

    The worst possible situation to be in is where there is enough damage that nobody will ever buy your car unless you piratically give it away, and the repaired version will never be the same again, but not quite enough damage to get a full write off. This is where having a lease is a major advantage.

    If the insurance company knows the alternative is a full payout because of gap/depreciation insurance, they probably raise the repair threshold to the price of the new vehicle - they would be silly not to since their job is to pay out as little as possible.

    Honestly this accident doesn't look that bad to me. The (visible) damage appears to be mostly on replaceable parts like plastic bumpers, light housings, exhaust, and the hood / tailgate.
    Last edited by Mitsu3000gt; 07-12-2019 at 10:37 AM.

  19. #19
    Join Date
    Mar 2003
    Location
    YYC
    Posts
    797
    Rep Power
    22

    Default

    Man if they don't write it off I would blow a gasket... I'm sure they'll look for excuses not to write it off given I have replacement insurance and the at-fault driver is uninsured, with 2 kids (8 and 12? both were in the back seat!)... and if they can't afford insurance, I'm guessing they don't have much to their name.

  20. #20
    Join Date
    Oct 2003
    Location
    Calgary
    My Ride
    ute
    Posts
    4,937
    Rep Power
    100

    Default

    So gap insurance has the potential for a negative outcome. TIL

Page 1 of 4 1 2 ... LastLast

Similar Threads

  1. Please offer some advice: I got rear-ended and got whiplash/backpain

    By bangminton in forum Society / Law / Current Events / Politics
    Replies: 31
    Latest Threads: 06-13-2014, 02:22 PM
  2. Just got rear-ended. Driver hit me & ran off

    By miik0 in forum Street Encounters
    Replies: 71
    Latest Threads: 11-24-2010, 10:05 AM
  3. Accident with an uninsured, unregistered driver

    By Super_Geo in forum General
    Replies: 13
    Latest Threads: 08-31-2010, 04:58 PM
  4. Uninsured Driver Collision

    By Cock Knuckle in forum General
    Replies: 22
    Latest Threads: 03-13-2009, 10:28 AM
  5. We got rear ended by a drunk driver!

    By OWNED in forum General
    Replies: 32
    Latest Threads: 02-25-2004, 07:16 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •