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

  1. #21
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    Quote Originally Posted by Buster View Post
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    So gap insurance has the potential for a negative outcome. TIL
    That's just my guess. I have no idea if that's the case.
    Originally posted by SEANBANERJEE
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    Insurance in there US is so cheap, i don’t get why people go without or even how they register vehicles without proof
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    FFFFffffff

    Best of luck, fingers crossed for a write off.

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    Quote Originally Posted by rage2 View Post
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    That's just my guess. I have no idea if that's the case.
    I am going to push for it being declared a write-off on the depreciated value.

    The replacement insurance is a separate line item, and should be treated as such... I'm guessing depreciated value (taking into account it has been in an accident) is 60k, and replacement value is 90k.

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    That picture is painful to look at. Sorry to hear about this.

    OP, set up a poll so to see if we think if its a write off or not. Would be interesting to see what people think vs if it actually is.
    They repaired my 2002 CRV when I was rear ended. Even the guy in the shop was surprised they could do it and not write it off. Anything is possible I guess.

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    I would have bet write-off, before my accident where they did $13.5g in repairs on the truck I bought for $15g, 3 months prior.

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    Purely a guesstimate - 25,000$ in damage (parts/labour) and it wont be written off - esp. if all the doors and windows open/close like before.

    If all the bags had deployed with the collision, likely yes.

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    Quote Originally Posted by revelations View Post
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    Purely a guesstimate - 25,000$ in damage (parts/labour) and it wont be written off - esp. if all the doors and windows open/close like before.

    If all the bags had deployed with the collision, likely yes.
    This, I'd doubt its a write off. Did the headlights survive?

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    that's not a write off. I had similar damage to one of my volvos and it came in around 10k. Same scenario got rear ended at high speed.

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    I'm guess that's going to get fixed but make sure the repair shop uses OEM parts. Having the waiver of depreciation is what entitles you to OEM and not aftermarket. Being in the USA might change the numbers a bit but I don't think it'll be enough to write it off.
    "Masked Bandit is a gateway drug for frugal spending." - Unknown303

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    Quote Originally Posted by gwill View Post
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    that's not a write off. I had similar damage to one of my volvos and it came in around 10k. Same scenario got rear ended at high speed.

    My Fiesta ST was 8k for a bumper and hatch replacement after a low speed impact...

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    Quote Originally Posted by adam c View Post
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    Insurance in there US is so cheap, i don’t get why people go without or even how they register vehicles without proof
    Insurance is far from cheap in the US. Cali is pretty up there. $0 is cheaper than whatever it costs. Get busted? It's $100 fine which is way cheaper than insurance, plus nobody actually pays the fines, and there's no record or anything. It's lighter than a slap on the wrist. I feel like 1/3 of California drives with no insurance haha. It's a no brainer for those that have nothing to lose.
    Originally posted by SEANBANERJEE
    I have gone above and beyond what I should rightfully have to do to protect my good name

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    Quote Originally Posted by rage2 View Post
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    Insurance is far from cheap in the US. Cali is pretty up there. $0 is cheaper than whatever it costs. Get busted? It's $100 fine which is way cheaper than insurance, plus nobody actually pays the fines, and there's no record or anything. It's lighter than a slap on the wrist. I feel like 1/3 of California drives with no insurance haha. It's a no brainer for those that have nothing to lose.
    Really? Whenever I’m down there I always hear ads for coverage starting at $10/month
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    Quote Originally Posted by adam c View Post
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    Really? Whenever I’m down there I always hear ads for coverage starting at $10/month
    lol never heard of that before. When I had US insurance, it was easily 2.5x the cost vs Calgary after you work out exchange rate.
    Originally posted by SEANBANERJEE
    I have gone above and beyond what I should rightfully have to do to protect my good name

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    Called the local Porsche dealership and asked them where they send their repairs to... just dropped the car off at a certified Porsche repair shop.

    The input from the guy at the repair shop: it's really close. He said he's only unsure because it's a GTS, which has been holding its value quite well (which is why I originally bought it :|), and that if it were a base it'd definitely be a write-off, and very likely if it were an S.

    Time to wait and see I guess.

    Beyond Price is Right guesses on the final repair number?

    I'll start it off with... $30,000 USD

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    hope its more than that. 30,000usd def wouldn't write off the car

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    What % of car value does it need to hit before they write it off? I always thought it was 50% for some reason, but guess that isn't the case.

    The shop guessed around 2-3 months if it gets repairs... so it'll likely use up the full $5000 rental car allowance if they choose to repair.

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    Make sure you are very clear with your insurance company that you have no intention of signing off on the repair being complete unless it doesn’t have so much as a paint swirl.

    My brother was t boned in his truck a few years back and they didn’t write it off. Since then with various issues he’s easily racked up more rental car charges than the car is worth just by being picky about every little thing. Truck spent months and months in subsequent repairs since.

    Anything you can do to make this repair sound as expensive as possible should be on the table to encourage write off.
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    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

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    Quote Originally Posted by rage2 View Post
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    Insurance is far from cheap in the US. Cali is pretty up there. $0 is cheaper than whatever it costs. Get busted? It's $100 fine which is way cheaper than insurance, plus nobody actually pays the fines, and there's no record or anything. It's lighter than a slap on the wrist. I feel like 1/3 of California drives with no insurance haha. It's a no brainer for those that have nothing to lose.
    Yea I can see that being the case if I am driving a low priced vehicle - but not a newer Kia Soul. The owners is going to be paying for a vehicle he doesent own for years to come. (they are worth ~10k)

    _______________________________________


    OP - one hope of a writeoff is that there is some, odd, piece of technology that is very expensive to replace, either front or rear, in the impact areas. I know with some MB models they have an insane number of computer modules that are insanely pricey.

    What also you have going against you here is that the impact points are where the were designed to be - bumper level. Its not likely they put something uber pricey in an area where collisions are likely to happen.
    Last edited by revelations; 07-12-2019 at 03:32 PM.

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    Quote Originally Posted by revelations View Post
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    OP - one hope of a writeoff is that there is some, odd, piece of technology that is very expensive to replace, either front or rear, in the impact areas. I know with some MB models they have an insane number of computer modules that are insanely pricey.

    What also you have going against you here is that the impact points are where the were designed to be - bumper level. Its not likely they put something uber pricey in an area where collisions are likely to happen.
    Agreed... hoping the front adds to the tally...

    Name:  macan accident 4.jpg
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    Not sure if the frame is damaged, but you can see where the crossbeam for the bumper is bolted on, and the crossbeam is fuuucked.
    Name:  macan accident 6.jpg
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    Hood needs replacing.
    Name:  macan accident 5.jpg
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    Hope!!
    https://www.thetorquereport.com/pors...e-718-boxster/
    $27k USD for a minor front bumper accident on a 718 Boxster

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