Jump to content
Sign in to follow this  
RBB

C&G strikes again

Recommended Posts

The Disco's been totaled, and her 50K limit for damages may not be enough to cover all four cars.  My insurance (same co. as hers) says they will cover the difference on my policy, and I may not have to pay a deductible.

*raises eyebrow*

Am I the only one that is a little leery of the "may not have to pay a deductible"?

RBB, I'd make darn sure that they are not going to make you pay a deductible on this ... after all, as you noted, you were NOT at fault. As such, you shouldn't have to pay anything to get your car repaired.... At least, that's my humble opinion ;).

Good luck ... and do keep us posted on this situation.

Share this post


Link to post
Share on other sites

*raises eyebrow*

Am I the only one that is a little leery of the "may not have to pay a deductible"?

RBB, I'd make darn sure that they are not going to make you pay a deductible on this ... after all, as you noted, you were NOT at fault.  As such, you shouldn't have to pay anything to get your car repaired....  At least, that's my humble opinion ;).

Good luck ... and do keep us posted on this situation.

If someone had kicked in my door, I'd have to pay a deductible to repair the car, even though it's not my fault. Generally speaking, any claim that goes against my own policy should be subject to some kind of deductible.

Hypothetically, say $5000 of her $50K limit is allocated to repairing my car after taking into consideration damages to the other three cars. Assuming the ins. co's estimate of $6700 in repairs is accurate, that leaves me $1700 short. My policy would cover the difference in that case as a no-fault claim, but I fully expected that I'd need to pay a deductible on that claim. If I don't it's a suprise to me.

-RBB

Share this post


Link to post
Share on other sites

Damn that sucks... a curse or hex is right huh?

Could have been worse:

It could have been a 1981-84 Maxima which is a lot more valuable. :wink:

Share this post


Link to post
Share on other sites

If someone had kicked in my door, I'd have to pay a deductible to repair the car, even though it's not my fault.  Generally speaking, any claim that goes against my own policy should be subject to some kind of deductible.

Hypothetically, say $5000 of her $50K limit is allocated to repairing my car after taking into consideration damages to the other three cars.  Assuming the ins. co's estimate of $6700 in repairs is accurate, that leaves me $1700 short.  My policy would cover the difference in that case as a no-fault claim, but I fully expected that I'd need to pay a deductible on that claim.  If I don't it's a suprise to me.

*nods*

Point taken ... and I understand the logistics/mathematics of this scenario.

But...in the case of your accident, the claim would be going against your policy ONLY because (from what I gathered in your previous post) the other driver's policy wouldn't cover it all. To me, that's a whole 'nother ballgame....

*shrugs*

Share this post


Link to post
Share on other sites

*nods*

Point taken ... and I understand the logistics/mathematics of this scenario.

But...in the case of your accident, the claim would be going against your policy ONLY because (from what I gathered in your previous post) the other driver's policy wouldn't cover it all.  To me, that's a whole 'nother ballgame....

*shrugs*

That very well could be. Hopefully, I'll know for sure in the next few days....

-RBB

Share this post


Link to post
Share on other sites

Yes, hopefully!  Did they give you a timeline for them to let you know their findings/results?

No. The lady's agent hasn't returned any of my calls - I've been trying since Tuesday - and she's now out of the office until the 26th. I'm trying to find out something through my agent now...

-RBB

Share this post


Link to post
Share on other sites

No.  The lady's agent hasn't returned any of my calls - I've been trying since Tuesday - and she's now out of the office until the 26th.  I'm trying to find out something through my agent now...

Heh. Well, hopefully your agent will be able to get somewhere...and give you some good news :).

Share this post


Link to post
Share on other sites

Glad to read all are o.k. The surprising detail is that she will be found at fault for all incidents of damage. In many places, each person involved striking another vehicle would end up with the deductible charge as a result of being too close to the vehicle in front of them. I mean, rush-hour is rush-hour, so it's difficult to know just when someone actually stops or how slow they're going; however, it still surprises me you all didn't get dinged for the forward impact damages. I guess that's just the lucky deal.

Share this post


Link to post
Share on other sites

It's back, though not exactly in the same shape it was before.

Got the car back late Friday afternoon, five weeks after this mess began. The body shop did an excellent job - panel gaps are extremely tight, and you can't see any blend lines on the paint.

Now, to explain the above comment - I got a call from the shop manager a few weeks back. He said they made a mistake. The trunk that was ordered was one that had mounts for a spoiler. He asked if I'd rather he send the trunk back and wait for a new one to arrive, or if I'd allow him to install this trunk with a spoiler at no additional charge. I took the latter option, and am quite happy I did so - it looks good. They also ordered a rear bumper that had the built-in ground effects, so now I guess I'll have to get this sill and chin skirts to match.

I'll try to have pics up by tomorrow.

-RBB

Share this post


Link to post
Share on other sites

If you care to, I'm interested in hearing the jist of the "official estimate" when you get it.  Thanks in advance.

152111[/snapback]

OK, here's the final rundown;

BODY SHOP HOURS: 93.30                      $5038.20

PARTS                                           COST
----------------------------------------------------
PANEL, REAR                                   209.15
MESH, FRONT                                    10.10
PLATE R, C                                     18.70
PLATE L, C                                     18.70
GROMMET (4 QTY)                                 6.00
GROMMET (2 QTY)                                 3.00
STRIKER, LI                                    18.70
LAMP R, RR                                    131.24
ORNAMENT, R                                     5.45
ORNAMENT, C                                     5.60
MASCOT, REA                                    18.00
MOULD R, R                                     40.70
MOULD L, R                                     45.70
RETAINER R                                     12.75
GUARD L, M                                    102.10
HOLDER,LIC                                      9.75
----------------------------------------------------
TOTAL (PARTS)                                $553.91
TOTAL (PARTS & LABOR)                       $5591.74

SUBLET                                          COST
----------------------------------------------------
LKQ DECK LID, LT TAIL LAMP AND REAR COVER     875.00
STRIPES                                        30.00
----------------------------------------------------
TOTAL (SUBLET)                               $905.00

G.O.G & SUPPLIES                                COST
----------------------------------------------------
PAINT/MATERIALS                               606.10
----------------------------------------------------
TOTAL (GOG)                                  $606.10

TAX                                          $123.60

----------------------------------------------------
----------------------------------------------------
INVOICE TOTAL                               $7226.44

-RBB

Share this post


Link to post
Share on other sites
Cool rbb. I guess they were able to fix your frame rails and trunk floor, and I see they put a used trunk lid, left side taillight and rear bumper assembly on. Do you have your car back? How's it look?

Share this post


Link to post
Share on other sites

Cool rbb.  I guess they were able to fix your frame rails and trunk floor, and I see they put a used trunk lid, left side taillight and rear bumper assembly on.  Do you have your car back?  How's it look?

168027[/snapback]

I have to say they did a terrific job on the body work. I'm told that color's hard to match, but it looks flawless, with now blend lines or anything. I thought the spoiler might look a little out of place on what's essentially the base-model body, but I like it.

I do notice that it pulls to the left a bit at highway speeds - I hadn't felt that before, and have a call into the dealer to see if that can be corrected.

no pics yet, will have to try again tonight or tomorrow.

-RBB

Share this post


Link to post
Share on other sites

That looks great!

I'm glad everything worked out RBB. Enjoy, she's hotter than before.

Share this post


Link to post
Share on other sites
Hmmm, they put a different bumper on it too. If that's ok with you, that's cool. It looks good, RBB. Edited by ocnblu

Share this post


Link to post
Share on other sites

Hmmm, they put a different bumper on it too.  If that's ok with you, that's cool.  It looks good, RBB.

169847[/snapback]

It's OK with me. Means I might have to track down some side skirts and a front dam, too. And maybe some 17" wheels... :AH-HA_wink:

-RBB

Edited by RBB

Share this post


Link to post
Share on other sites

Your content will need to be approved by a moderator

Guest
You are commenting as a guest. If you have an account, please sign in.
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoticons maximum are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  



About us

CheersandGears.com - Founded 2001

We  Cars

Get in touch

Follow us

Recent tweets

facebook

×