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Cory Wolfe

Days After Getting The Cobalt Back From The Shop

49 posts in this topic

Cory Wolfe    263

Let me just say. F-U-C-K.

Since that is out of the way, here's the story. Myself, Dallas, and my brother Zack decided to hit up NYC for a day. We left around 3 am to be there early and give us as much time possible. Pa was a breeze. NJ was until halfway through. After that it was traffic, traffic, and more traffic. Lots of bumper to bumper with random bursts of moving. Mostly stationary with a bit of 2 mph for a good hour. Things started to speed up again right before I-280 started. A little lane changing to get through traffic quicker and then we merged onto 280. Not long after that we came to another halt. Sped up again... and then suddenly the cars in front of me stop. I stop and.... *bam-bam* I get hit from behind and pushed into the car in front of me. The guy who hit me is in a Mk4 Jetta and his is very clearly totaled. The couple in front of me is in a Lancer Sportback and didn't suffer much visible damage. Myself... So far, the rear end doesnt look as bad as it is. Unless you look closely, its just damage to the bumper cover. Open the no-longer-able-to-be-closed trunk and you see that the space for the spare tire and battery is all crinkled and pushed in. On the each side of the rear body there's very slight ripples in the sheet metal just ahead of the wheel wells. Up front, same story to a lesser degree. Front bumper cover is most visible, underneath, atleast the bumper support is bent. I can't really see much beyond that. Inside... we had orange soda and it went everywhere. No one was hurt, though.

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I am so sorry. You can win for losing. I mean really. I do not know what to say. This went from bad to worse. I am so sorry Corey. I can understand your frustration. That car really took a impact this time. I just wish the bad stuff would stop happening to people on this website. I am just glad you and your friends and family were not hurt.

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Intrepidation    846

Man you have the worst luck when it comes to car accidents. Sorry to hear...doesn't look totaled though...your car is probably worth enough to cover the cost of pulling out the rear body and fixing it.

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Cory Wolfe    263

Man you have the worst luck when it comes to car accidents. Sorry to hear...doesn't look totaled though...your car is probably worth enough to cover the cost of pulling out the rear body and fixing it.

I'm looking forward to a response from Ocnblu. The fact that it still seems to drive fine has me thinking positively, but after I noticed the ripples in the body-sides, I'm not entirely sure. Here's to hoping.

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ocnblu    733

I put a bunch of comments over on your Facebook album regarding this. The buckles in the quarters might pull out when the car is put on the frame machine to pull the rear (and front, likely) structure. But that hard kink in the trunk floor has me concerned... will it pull out? Can it be hammered back into pre-loss condition successfully? It's always hard to guess. You know it needs all parts for both bumpers, a rear body panel, frame rail repair at the rear and maybe the front as well, and the trunk floor is up in the air at this point, it is kinked over on itself hard, and it is ripped from the frame rail. If the quarter panel buckles do not pull out, that's more bodywork and painting (plus pulling out the quarter glasses for painting)... this is adding up quickly for a base model 2005 Cobalt, I have to say. *bites nails*

Which insurance does the other guy have? Not sure what the "rules" are for a PA resident hit in NJ by an NJ resident, insurance varies by state. I would be pressing for a rental car though, look at your battery, and with the trunk not closing, the car is not secure from thieves or weather. Plus it should be torn down to get a thorough estimate on the damages.

I would be checking your car's value on the NADA website. Check "clean retail", because that's what the insurance co will go by for value. NADA usually gives the most accurate value, but it is still a ballpark figure. The insurance company will place a value on the car, which you have the right to question.

It is going to be close. Good luck either way, Vipes, and keep us in the loop.

EDIT: when you go to the NADA site, choose "consumer", then "new and used car center", you will be able to go in and see.

Edited by ocnblu

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Cory Wolfe    263

I put a bunch of comments over on your Facebook album regarding this. The buckles in the quarters might pull out when the car is put on the frame machine to pull the rear (and front, likely) structure. But that hard kink in the trunk floor has me concerned... will it pull out? Can it be hammered back into pre-loss condition successfully? It's always hard to guess. You know it needs all parts for both bumpers, a rear body panel, frame rail repair at the rear and maybe the front as well, and the trunk floor is up in the air at this point, it is kinked over on itself hard, and it is ripped from the frame rail. If the quarter panel buckles do not pull out, that's more bodywork and painting (plus pulling out the quarter glasses for painting)... this is adding up quickly for a base model 2005 Cobalt, I have to say. *bites nails*

Which insurance does the other guy have? Not sure what the "rules" are for a PA resident hit in NJ by an NJ resident, insurance varies by state. I would be pressing for a rental car though, look at your battery, and with the trunk not closing, the car is not secure from thieves or weather. Plus it should be torn down to get a thorough estimate on the damages.

I would be checking your car's value on the NADA website. Check "clean retail", because that's what the insurance co will go by for value. NADA usually gives the most accurate value, but it is still a ballpark figure. The insurance company will place a value on the car, which you have the right to question.

It is going to be close. Good luck either way, Vipes, and keep us in the loop.

EDIT: when you go to the NADA site, choose "consumer", then "new and used car center", you will be able to go in and see.

He was actually a PA resident, as well. Same with the guy I was pushed into, coincidentally. We didn't get any of the insurance info... The cop took everything, gave a slip to send in for a police report and sent us on our way.

Clean retail for NADA is $8200. KBB is at $8600.

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ocnblu    733

Oh no... you didn't get the Jetta guy's insurance info? This will drag on way too long, as it usually takes forever for the police to get a report together on a non-injury accident. If you had gotten his info, you could have been on the phone to them THAT DAY and gotten things underway. You certainly have the right to call his insurance company and make a claim. Call that officer and get the Jetta guy's insurance info and call those people as soon as you can!

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Good luck Corey, and Darn..sorry to see that happen to you and the 'balt, dude. As bad as it sounds, I would push them to total the car.

Some times you can take things through your insurance company and get things started, and then your insurance company will collect from the Jetta owners company....

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Croc    268

Oh no... you didn't get the Jetta guy's insurance info? This will drag on way too long, as it usually takes forever for the police to get a report together on a non-injury accident. If you had gotten his info, you could have been on the phone to them THAT DAY and gotten things underway. You certainly have the right to call his insurance company and make a claim. Call that officer and get the Jetta guy's insurance info and call those people as soon as you can!

QFT

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He was actually a PA resident, as well. Same with the guy I was pushed into, coincidentally. We didn't get any of the insurance info... The cop took everything, gave a slip to send in for a police report and sent us on our way.

Clean retail for NADA is $8200. KBB is at $8600.

$8k for a 2005 Cobalt???? Am I missing something??? WTF

/currentkilometers/177777"]Check this

Edited by the_yellow_dart

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I really hate this new forum software. Can't even get the link posted properly. :facepalm:

Regardless, what it says when I enter my 2005 LS manual coupe with 177k km is $600-$2k. How you get $8k is beyond me. Even when I enter 1,000 km, I don't get a number that high.

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Cory Wolfe    263

I really hate this new forum software. Can't even get the link posted properly. :facepalm:

Regardless, what it says when I enter my 2005 LS manual coupe with 177k km is $600-$2k. How you get $8k is beyond me. Even when I enter 1,000 km, I don't get a number that high.

Trade in vs retail, Canada vs US, 177k vs ~67k (41k miles).

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ocnblu    733

Based on the photos you've posted and that NADA value, I think you're in good shape. It appears to me the car will be repairable, not a total loss, even if it needs a trunk floor. But you need to get the ball rolling, Cory. Even if you put the claim through your own insurance and let them subrogate to the other guy's company.

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caddycruiser    50

Yikes. And the lack of insurance info...as OCN said, not a good thing. Anything to expedite the process, so hopefully that's still possible.

Lots of damage to a 5 year old Cobalt, and anything is fixable. Been in this situation more than once, never at fault. Insurance, info on estimate/repair/other ASAP, and so on. Ugh...

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Croc    268

I don't really understand this part...like the police were one car behind you and arrived IMMEDIATELY at the scene, swooped in and seized everyone's licenses, insurance cards, and registrations before anyone could trade information? Because that's the first thing you do: trade information. Licenses, insurance cards, etc. Call up the police and get that info, or call up your agent like stat and give them the name of the other guy, so the onus is on him to provide the info of his insurance.

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Intrepidation    846

I don't really understand this part...like the police were one car behind you and arrived IMMEDIATELY at the scene, swooped in and seized everyone's licenses, insurance cards, and registrations before anyone could trade information? Because that's the first thing you do: trade information. Licenses, insurance cards, etc. Call up the police and get that info, or call up your agent like stat and give them the name of the other guy, so the onus is on him to provide the info of his insurance.

:yes:

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Cory Wolfe    263

I don't really understand this part...like the police were one car behind you and arrived IMMEDIATELY at the scene, swooped in and seized everyone's licenses, insurance cards, and registrations before anyone could trade information? Because that's the first thing you do: trade information. Licenses, insurance cards, etc. Call up the police and get that info, or call up your agent like stat and give them the name of the other guy, so the onus is on him to provide the info of his insurance.

The police trooper was already sitting there with lights flashing for the construction. It literally happened right beside him. First, we all pulled over on the left side since we were in the left lane to survey the damage. He immediately had us move to the right side of the road and collected everyone's information starting with his.

We're going through our insurance first. Once we get the report, they'll seek the guy-at-fault's insurance, and if need be, hire lawyers. I'm just lucky I have a dozen vehicles to choose between and am unemployed.

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ocnblu    733

OK, glad things are progressing for you. I just had two concerns, going with your own insurance: The other guy's insurance owes you a rental car, and you will likely have to pay your deductible after the car is fixed and then wait for reimbursement, possibly for months afterward.

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