HELP! I have to fight my insurance.
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HELP! I have to fight my insurance.
Alright I'll try to make sense with my high blood pressure right now. I just had some retard back into my '87 FC and crushed my nose cone and dented the body near the lights. I need A new nose, Body work on the damaged parts & a respray because they aren't gonna be able to color match it. Unless they can and then forget the respray.
1.) ROUGHLY what does a nose cost with some dents pulled and paint (At least the new nose).
2.) What is the REAL value of an '87 RX-7 Not Blue Book.
3.) Basically the entire front end is new minus motor/tranny. I understand depreciated value and all but I am NOT letting them total it out and try to just cut me a check for BB price. If anyone has dealt with this please speak up.
This is the second AAA vs. AAA claim I've had and it a F'ing NIGHTMARE! They have no incentive to help you because no matter who's at fault it comes out of their pocket. Is there any oversight board for insurance, like their OSHA equivalent?
Thank you in advance.
~Doc
1.) ROUGHLY what does a nose cost with some dents pulled and paint (At least the new nose).
2.) What is the REAL value of an '87 RX-7 Not Blue Book.
3.) Basically the entire front end is new minus motor/tranny. I understand depreciated value and all but I am NOT letting them total it out and try to just cut me a check for BB price. If anyone has dealt with this please speak up.
This is the second AAA vs. AAA claim I've had and it a F'ing NIGHTMARE! They have no incentive to help you because no matter who's at fault it comes out of their pocket. Is there any oversight board for insurance, like their OSHA equivalent?
Thank you in advance.
~Doc
#2
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An S4 nose from the junk yard is what, maybe $50, and the paint should match pretty well. I am guessing the dent and labor for the nose would cost about $1,000 or so. You would need to take the car to an auto body shop for an accurate estimate. I don't see the crisis here. In the worst case, they will total the car, give you the money, you can scarf the totaled car from your local junk yard for a fraction of the cost, fix it yourself and pocket the extra cash.
In this case, the real value of the car is the blue book (NADA, etc.) or the cost of the repairs, whichever is less. If this is really stressful for you, then next time get collector car insurance for a stated value rather than a regular policy that only has replacement value.
In this case, the real value of the car is the blue book (NADA, etc.) or the cost of the repairs, whichever is less. If this is really stressful for you, then next time get collector car insurance for a stated value rather than a regular policy that only has replacement value.
#3
Rotary Freak
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If it is just minor damage and only the panels need replaced it can be done for less than $50 if the same color panels are found.
Check you local craigslist for part outs. The value of fc's are very low I can find running ones for 1500 all day long.
Check you local craigslist for part outs. The value of fc's are very low I can find running ones for 1500 all day long.
Last edited by turboIIrotary; 06-09-11 at 07:10 PM.
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The "crisis" is that I DON'T want them to total the car and then have to change the title to a salvage and re-purchase it from a dismantler. The damage is not extensive enough to warrant that.
The other problem is my insurance, I already have ANOTHER case pending where someone backed into the passenger door and squished the person getting out. A insurance company versus itself is always a mess.
Another issues is I live in a small town and I am trying to get a recommendation from some local friends on where to take it. Grass Valley is notorious for bad workmanship.
The other problem is my insurance, I already have ANOTHER case pending where someone backed into the passenger door and squished the person getting out. A insurance company versus itself is always a mess.
Another issues is I live in a small town and I am trying to get a recommendation from some local friends on where to take it. Grass Valley is notorious for bad workmanship.
#7
What's the point??
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Check your state laws. When my car was totalled, I was able to keep the car and get a check for the amount of the car minus the "salvage value" which is basically what the damaged vehicle would fetch at auction. In my case, salvage value was $250 for my '92 Eclipse GSX. The state law in Nebraska doesn't require that the title need to be changed in this case, so it kept a minty fresh title.
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Check your state laws. When my car was totalled, I was able to keep the car and get a check for the amount of the car minus the "salvage value" which is basically what the damaged vehicle would fetch at auction. In my case, salvage value was $250 for my '92 Eclipse GSX. The state law in Nebraska doesn't require that the title need to be changed in this case, so it kept a minty fresh title.
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Here are some pics:
<a target='_blank' href='http://img863.imageshack.us/i/p1020524o.jpg/'><img src='http://img863.imageshack.us/img863/6694/p1020524o.th.jpg' border='0'/></a>
<a target='_blank' href='http://img194.imageshack.us/i/p1020525g.jpg/'><img src='http://img194.imageshack.us/img194/1474/p1020525g.th.jpg' border='0'/></a>
<a target='_blank' href='http://img864.imageshack.us/i/p1020526.jpg/'><img src='http://img864.imageshack.us/img864/6641/p1020526.th.jpg' border='0'/></a>
<a target='_blank' href='http://img831.imageshack.us/i/p1020527o.jpg/'><img src='http://img831.imageshack.us/img831/2227/p1020527o.th.jpg' border='0'/></a>
<a target='_blank' href='http://img202.imageshack.us/i/p1020528k.jpg/'><img src='http://img202.imageshack.us/img202/9618/p1020528k.th.jpg' border='0'/></a>
<a target='_blank' href='http://img849.imageshack.us/i/p1020529b.jpg/'><img src='http://img849.imageshack.us/img849/9213/p1020529b.th.jpg' border='0'/></a>
<a target='_blank' href='http://img863.imageshack.us/i/p1020524o.jpg/'><img src='http://img863.imageshack.us/img863/6694/p1020524o.th.jpg' border='0'/></a>
<a target='_blank' href='http://img194.imageshack.us/i/p1020525g.jpg/'><img src='http://img194.imageshack.us/img194/1474/p1020525g.th.jpg' border='0'/></a>
<a target='_blank' href='http://img864.imageshack.us/i/p1020526.jpg/'><img src='http://img864.imageshack.us/img864/6641/p1020526.th.jpg' border='0'/></a>
<a target='_blank' href='http://img831.imageshack.us/i/p1020527o.jpg/'><img src='http://img831.imageshack.us/img831/2227/p1020527o.th.jpg' border='0'/></a>
<a target='_blank' href='http://img202.imageshack.us/i/p1020528k.jpg/'><img src='http://img202.imageshack.us/img202/9618/p1020528k.th.jpg' border='0'/></a>
<a target='_blank' href='http://img849.imageshack.us/i/p1020529b.jpg/'><img src='http://img849.imageshack.us/img849/9213/p1020529b.th.jpg' border='0'/></a>
#10
Top Down, Boost Up
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I doubt that's enough damage to total the car out. KBB value for an NA coupe is somewhere around $2-3000.
5 years ago I had an idiot in a lifted F350 back into my parked car. The guy had no insurance (welcome to Southern CA), and I had AAA insurance. A police report was filed, and I claimed on my uninsured motorist coverage. I went and got quotes from local body shops, and when I found one I wanted to use, I called my AAA agent & had them send someone out to do a repair estimate. The estimate guy used the same program the body shop used to give me a dollar figure, and they then wrote the body shop a check for the amount to be covered.
AAA was willing to cover pulling the dents, and to repaint about half of the car. The check written to the body shop was for about $1400. Since the red paint had oxidized over the years (previous owner did a cheap respray), I opted to pay for the rest of the paint job out of pocket. At the time, KBB for an '88 convertible was as much as $5000. Everyone assumed it was worth nothing being an 80s car, but it was easy enough to prove via the KBB site.
The damage:
5 years ago I had an idiot in a lifted F350 back into my parked car. The guy had no insurance (welcome to Southern CA), and I had AAA insurance. A police report was filed, and I claimed on my uninsured motorist coverage. I went and got quotes from local body shops, and when I found one I wanted to use, I called my AAA agent & had them send someone out to do a repair estimate. The estimate guy used the same program the body shop used to give me a dollar figure, and they then wrote the body shop a check for the amount to be covered.
AAA was willing to cover pulling the dents, and to repaint about half of the car. The check written to the body shop was for about $1400. Since the red paint had oxidized over the years (previous owner did a cheap respray), I opted to pay for the rest of the paint job out of pocket. At the time, KBB for an '88 convertible was as much as $5000. Everyone assumed it was worth nothing being an 80s car, but it was easy enough to prove via the KBB site.
The damage:
#11
Rotary Enthusiast
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Just tell the auto body guy that you don't want the car totaled so he needs to make an estimate just under that.
My buddy has an old Toyota that his new girlfriend wrecked three times in 6 months. 18 years he kept it straight and clean. So the estimate guy agreed to low ball it.
Easy
My buddy has an old Toyota that his new girlfriend wrecked three times in 6 months. 18 years he kept it straight and clean. So the estimate guy agreed to low ball it.
Easy
#12
1.5 Goodfella's Tall
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True story that MAY be applicable in your situation. About 4 yrs ago I lived in a downtown condo that came with private parking in the downtown parking garage. While driving a mint 88SE I owned at the time, a drunk driver leaving the garage gave me a low impact tap causing very similar damage to what you experienced. The insurance company wished to total the car.
I asked the insurance company for an estimated repair value + keep the car. I believe the total check was going to be for like $3200 but to keep the car I negotiated $2200 for repairs.
$50 front bumper + $30 left front fender and I was good to go again. Even if I had painted it I estimate I would have come out ahead by $1500 or so.
See if they will let you keep your car with a clean title and give you the estimated repair costs.
Good luck.
I asked the insurance company for an estimated repair value + keep the car. I believe the total check was going to be for like $3200 but to keep the car I negotiated $2200 for repairs.
$50 front bumper + $30 left front fender and I was good to go again. Even if I had painted it I estimate I would have come out ahead by $1500 or so.
See if they will let you keep your car with a clean title and give you the estimated repair costs.
Good luck.
#15
FC guy
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if you are worried about a salvage title check local laws, in NYS if the vehicle is 9 years old ( I believe its 9 ) you can get up to $1 below value and not have a salvage title or have to buy the car back to keep it
with used parts I cant see them stretching that into more then a $1500-$2000 job, maybe kick the extra bucks in and get a full paint. You can actually get new aftermarket fenders for $100. Your front bumper is already a ( poorly ) re-sprayed red bumper so its not like your car wont be "original" anymore
with used parts I cant see them stretching that into more then a $1500-$2000 job, maybe kick the extra bucks in and get a full paint. You can actually get new aftermarket fenders for $100. Your front bumper is already a ( poorly ) re-sprayed red bumper so its not like your car wont be "original" anymore
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if you are worried about a salvage title check local laws, in NYS if the vehicle is 9 years old ( I believe its 9 ) you can get up to $1 below value and not have a salvage title or have to buy the car back to keep it
with used parts I cant see them stretching that into more then a $1500-$2000 job, maybe kick the extra bucks in and get a full paint. You can actually get new aftermarket fenders for $100. Your front bumper is already a ( poorly ) re-sprayed red bumper so its not like your car wont be "original" anymore
with used parts I cant see them stretching that into more then a $1500-$2000 job, maybe kick the extra bucks in and get a full paint. You can actually get new aftermarket fenders for $100. Your front bumper is already a ( poorly ) re-sprayed red bumper so its not like your car wont be "original" anymore
Parts $1527.66
Body Labor $1250.60, 16.9hrs
Paint Labor $740.00, 10.0hrs
Paint Supplies $ 330.00, 10.0hrs
Misc. $13.00
Sales tax on $1865.66 = $156.25
Grand Total $4017.51 = Ludicrous IMO
I need some other quotes and don't need NEW parts like the horn & nose cone. Are nose's really $50 used? If so then I need to buy one for an '87. I believe that it's the SE, not sure since the tags are gone.
#17
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I doubt that's enough damage to total the car out. KBB value for an NA coupe is somewhere around $2-3000.
5 years ago I had an idiot in a lifted F350 back into my parked car. The guy had no insurance (welcome to Southern CA), and I had AAA insurance. A police report was filed, and I claimed on my uninsured motorist coverage. I went and got quotes from local body shops, and when I found one I wanted to use, I called my AAA agent & had them send someone out to do a repair estimate. The estimate guy used the same program the body shop used to give me a dollar figure, and they then wrote the body shop a check for the amount to be covered.
AAA was willing to cover pulling the dents, and to repaint about half of the car. The check written to the body shop was for about $1400. Since the red paint had oxidized over the years (previous owner did a cheap respray), I opted to pay for the rest of the paint job out of pocket. At the time, KBB for an '88 convertible was as much as $5000. Everyone assumed it was worth nothing being an 80s car, but it was easy enough to prove via the KBB site.
The damage:
5 years ago I had an idiot in a lifted F350 back into my parked car. The guy had no insurance (welcome to Southern CA), and I had AAA insurance. A police report was filed, and I claimed on my uninsured motorist coverage. I went and got quotes from local body shops, and when I found one I wanted to use, I called my AAA agent & had them send someone out to do a repair estimate. The estimate guy used the same program the body shop used to give me a dollar figure, and they then wrote the body shop a check for the amount to be covered.
AAA was willing to cover pulling the dents, and to repaint about half of the car. The check written to the body shop was for about $1400. Since the red paint had oxidized over the years (previous owner did a cheap respray), I opted to pay for the rest of the paint job out of pocket. At the time, KBB for an '88 convertible was as much as $5000. Everyone assumed it was worth nothing being an 80s car, but it was easy enough to prove via the KBB site.
The damage:
That's the whole reason I bought it was because it handled like it was brand new and I test drove it with a friend & at 120mph it felt as smooth as glass, there wasn't any shutter or anything. I wanted to do the work & TLC it needed because the body was perfect when I bought it... But I live in a town of old people or 16yo girls that barely pass their license test so people drive CRAZY.
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Well the insurance want's to total out the car for $2,100ish and I think that's after I can buy it back for $120. I'm thinking of just trying to find another FC and using this for parts. What do you guys think?
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