car question - adjustor seems to have underestimated damage?

Mina said:
Based on those pictures, $3K is more than enough to get that car fixed.
While the body shop may use OEM parts, doesn't necessarily mean they're going to use brand new parts.
A $3K claim on a 5 year old vehicle is nothing to be worried about when it's time to resell.
The only time an accident affects the value is if it's not a clean title. i.e. Rebuilt, Salvage, etc.
Any reasonable buyer will realize that a used vehicle is a used vehicle and a fender bender is to be expected in most cases, as long as you are up front about it, you won't have a problem.

Don't lose any sleep over it, man.
Fix the bumper, new fender, door skin, axle + paint and you're good to go.
If you're smart about it, you can pocket some money, lol... but that would be "insurance fraud".
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Mina said:
^ A $3000 claim WILL NOT decrease the value of the car.
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Mina said:
To me, I wouldn't care if a bike was dropped.
As long as there are no scratches/damage and everything has been replaced properly, then why worry?
I recently lowsided my GSX-R and I spent ~$2500 in OEM parts alone, the bike looks like brand new.
Would I sell it below market value because it was dropped? Hell no.
I expect top dollar, because my bike is in mint condition and all the work was done properly.

A used car is a used car, most people can accept a fender bender.
It all comes down to $ value, people will try to use the claim as a negotiation tool but at the end of the day, if you price your vehicle according to market value, they will still buy it.
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Mina said:
By that logic, any car with a claim should be scrapped because nobody is going to buy it?
I never go by the carfax/carproof reports, doesn't tell me **** about the car's condition.
What if you have a clean history report but the car was hit and never reported to insurance?
Look at the vehicle you're buying, inspect it carefully and make your decision based on that.

How did people buy cars before carfax?
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lol. im speechless
 
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Will not be written off, used parts will surely be used and the value of the car is decreased when trade time comes. When trading or selling she will have to sign off/declare that the car was in a collision and the total dollars spent on the repairs. I would be worried about the transmission as that would have taken the shunt on the wheel. Alignment etc will have to be factored also. If you don't like the shop take it to a dealer because it is your choice not the insurance company's.
Granted the vehicle will never feel the same and the driver will probably never be happy with it afterwards.
 
"Granted the vehicle will never feel the same and the driver will probably never be happy with it afterwards"

That statement is not true, I have seen cars hit a lot harder then that(boarder line write offs) and have been repaired to perfect driving and running condition
 
Paul1000RR said:
So she messed up, made an improper turn, caused an accident and now is trying to get money out of this? wow

Hopefully she learns something from this...however i doubt it.
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Maybe you should read the thread again.
 
RonnieRev said:
"Granted the vehicle will never feel the same and the driver will probably never be happy with it afterwards"

That statement is not true, I have seen cars hit a lot harder then that(boarder line write offs) and have been repaired to perfect driving and running condition
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Agreed, I've driven rebuilt cars before and they felt like any clean title car. (suspension, steering, etc.)

For what it's worth, I sell used cars for a living and have been doing so for 6 years now.
So I'm not talking ****, just stating my experience. ;)
 
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Mina said:
By that logic, any car with a claim should be scrapped because nobody is going to buy it?
I never go by the carfax/carproof reports, doesn't tell me **** about the car's condition.
What if you have a clean history report but the car was hit and never reported to insurance?
Look at the vehicle you're buying, inspect it carefully and make your decision based on that.

How did people buy cars before carfax?
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Who is going to buy it? I would! But I would buy it for less

Kuro is right, the car will lose future value.


Actually, you said it yourself, "you price your vehicle according to market value"...
In the used car market, a vehicle that has been in an accident will not get the same money than a car with no accidents...
 
So does no one here realize there are alot of damages that arent reported through insurance?
Would you rather have a Joe blow repair job (Clean title) or a professional repair job (Accident on record)?
 
Kuro said:
Maybe you should read the thread again.
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My comprehension skills aren't lacking. I just called it for what it is, if you had any rebuttal you'd post it instead of "maybe you should read the thread again".


Kuro said:
Yes. She is hoping it would be a write off because that ends up being the better outcome. The car will be hard to sell later on due to the accident/repair history which will devalue the car more than it already is.
She wanted to get a new car but the only thing preventing her from getting a new one is that she owes more on the car than the car is worth. The GAP protection, should the car be written off, would cover that difference and she would be able to get the new car. But having the car repaired makes it even harder for her to get a new car in the future.

According to the article, its not in their (the insurance company) benefit to underprice so they quote and price accordingly for a proper repair job. I just can't fathom how it would be so cheap to fix. I guess if towing it to somewhere else is going to incur an additional cost, might be worth it in the end if they are actually underestimating the repair cost. I'll keep that one in mind.
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Mina said:
Agreed, I've driven rebuilt cars before and they felt like any clean title car. (suspension, steering, etc.)

For what it's worth, I sell used cars for a living and have been doing so for 6 years now.
So I'm not talking ****, just stating my experience. ;)
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Driving a car around the block vs owning one and dealing with it on a daily basis are 2 completely different things.

You being a used car salesman i understand why you have the opinions you do hahahahaha
 
Mina said:
Based on those pictures, $3K is more than enough to get that car fixed.
While the body shop may use OEM parts, doesn't necessarily mean they're going to use brand new parts.
A $3K claim on a 5 year old vehicle is nothing to be worried about when it's time to resell.
The only time an accident affects the value is if it's not a clean title. i.e. Rebuilt, Salvage, etc.
Any reasonable buyer will realize that a used vehicle is a used vehicle and a fender bender is to be expected in most cases, as long as you are up front about it, you won't have a problem.

Don't lose any sleep over it, man.
Fix the bumper, new fender, door skin, axle + paint and you're good to go.
If you're smart about it, you can pocket some money, lol... but that would be "insurance fraud".
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nice :rolleyes:
 
Paul1000RR said:
My comprehension skills aren't lacking. I just called it for what it is, if you had any rebuttal you'd post it instead of "maybe you should read the thread again".
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So it is your comprehension that is lacking. Since when is making the best of a crappy situation trying to bank off it? Insurance was bought but merely stating that we werent able to use it.

Lol yeah... you calling it for what it is. Sure buddy.
 
Kuro said:
So it is your comprehension that is lacking. Since when is making the best of a crappy situation trying to bank off it? Insurance was bought but merely stating that we werent able to use it.

Lol yeah... you calling it for what it is. Sure buddy.
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So you want to find a way to get the car written off, therefore costing the insurance company more money so that in the end you benefit.

You can call it whatever you want, find a way to justify it however you want, but at the end of the day it is what it is.
 
Paul1000RR said:
So you want to find a way to get the car written off, therefore costing the insurance company more money so that in the end you benefit.

You can call it whatever you want, find a way to justify it however you want, but at the end of the day it is what it is.
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Find a way to get it written off ... Yes... I demonstrated that motive clearly to your bright eyes by...
Getting a legitimate quote
Asking a public forum for their opinion... and adding pictures too.
Making valid comparisons of costs to previous repair jobs other peoples repair costs
and by never asking how I can get it written off

Read the title of the thread, adjustor seems to have underestimated?

OK, I'll call it what it is ... trying to get a public opinion.
And I'll call this ridiculous conversation for what it is ... an internet hero trying to call someone out and being wrong.
 
keep-calm-batman-on.jpg


Kuro said:
Find a way to get it written off ... Yes... I demonstrated that motive clearly to your bright eyes by...
Getting a legitimate quote
Asking a public forum for their opinion... and adding pictures too.
Making valid comparisons of costs to previous repair jobs other peoples repair costs
and by never asking how I can get it written off

Read the title of the thread, adjustor seems to have underestimated?

OK, I'll call it what it is ... trying to get a public opinion.
And I'll call this ridiculous conversation for what it is ... an internet hero trying to call someone out and being wrong.
Click to expand...
 
RonnieRev said:
"Granted the vehicle will never feel the same and the driver will probably never be happy with it afterwards"

That statement is not true, I have seen cars hit a lot harder then that(boarder line write offs) and have been repaired to perfect driving and running condition
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Very true. My Mitsu had a $23000 repair from a similar impact, everything but the frame and engine were damaged in some way. Drives like new again 50k later.

This thread as with most in this section is filled with misinformation.

OP, no one on here is a magician, anyone qualified to give you an answer will need time with the car in a shop to know the extent of damage. Assuming purely cosmetic, $3000 at the insurance company's shop is reasonable. If they find more damage, they will notify your adjuster and have him/her come in and authorize further repairs. Do NOT go to your company's recommended shop. They authorized less than half of my repair at their shop. I made sure it was done through the dealership. Added benefit, you know everything will be OEM.

MAKE SURE she gets a full inspection done after repairs are "complete". My adjuster didn't authorize new rims for my car despite 3/4 needing replacement. Found out when I got on the 407 and almost crashed it again. They were nowhere close to being round but looked fine when mounted. They decided to cheap out on rims on a 23k repair...
 
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Macs said:
Very true. My Mitsu had a $23000 repair from a similar impact, everything but the frame and engine were damaged in some way. Drives like new again 50k later.
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My father in laws car was rear ended, he went through three transmissions before finally selling it....
 
Macs said:
Do NOT go to your company's recommended shop. They authorized less than half of my repair at their shop. I made sure it was done through the dealership. Added benefit, you know everything will be OEM.

MAKE SURE she gets a full inspection done after repairs are "complete". My adjuster didn't authorize new rims for my car despite 3/4 needing replacement. Found out when I got on the 407 and almost crashed it again. They were nowhere close to being round but looked fine when mounted. They decided to cheap out on rims on a 23k repair...
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Please understand that regardless of whether you go to the insurance recommended shop or your own shop the insurance company authorizes either repair. With recommended shops the estimates are done by the shop it self and approved by an inhouse appraiser, your own shops the estimates are completed by a road appraiser that goes out to the shop. By going to a dealership does not mean you will get OEM parts. Most insurance companies provide same Like Kind and Quality parts. With any repairs things can be missed. I sincerely doubt the company "cheaped out" on your rims, quite possibly could have been an oversight.
 
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