So My X-Type Got Hit today...
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From: Hamilton, NJ
So My X-Type Got Hit today...
I know this is the S-type forum, but I spend 90% of my time on this site in here, - The X is now my winter / awd "beater" car. It was my first Jaguar, I've had it since 2006, and it's been a really good car to me. 110k miles now, I've had it since 64k, and all it's needed were tires, brakes, spark plugs, a coolant expansion tank and and alternator and a battery. When I decided it was time for something different, I thought about trading it in, but the abysmal resale value really turned me off to the idea. It was just not worth giving up for the $3500-$4k they were offering for it.
The car is a one owner lease return which I bought at the dealer auction directly from Jaguar Financial services. So it stayed with me.
So today I am approaching an intersection, put on my blinker to turn right, and slow down. As I go to make the right hand turn, someone from the oncoming direction takes a left in front of me, so I come to a stop and expect to turn after him, when I hear tires squealing then feel the car lurch forward as I am hit from behind. Thank god it didn't get worse and I'm ok.
It wasn't that hard an impact, but it was still a decent jolt. I got hit by a white toyota suv, which didn't even really have any disernable damage besides paintwork.
The X took it well, although it was no match for the SUV. If that truck was going much faster it would have been ugly. Especially since the difference in bumper heights is apparent even with the damage the X did sustain.
The bumper cover is cracked and split open upwards. The trunk has some denting in it, mostly above and to the left of the center line. It's hard to see in the crappy blackberry pics, but it's there. You can also see the white paint on the trunk. The edge of the bumper cover is pushed forwards in the wheel well about 1/2 inch on the driver's side.
I reported it to police and insurance. The claims adjuster is going to call me within 48hrs.
I don't think it's that bad but what do you guys think? Can anyone recommend a bodyshop in the Central NJ area?
Here are a few crappy bb pics...
George
The car is a one owner lease return which I bought at the dealer auction directly from Jaguar Financial services. So it stayed with me.
So today I am approaching an intersection, put on my blinker to turn right, and slow down. As I go to make the right hand turn, someone from the oncoming direction takes a left in front of me, so I come to a stop and expect to turn after him, when I hear tires squealing then feel the car lurch forward as I am hit from behind. Thank god it didn't get worse and I'm ok.
It wasn't that hard an impact, but it was still a decent jolt. I got hit by a white toyota suv, which didn't even really have any disernable damage besides paintwork.
The X took it well, although it was no match for the SUV. If that truck was going much faster it would have been ugly. Especially since the difference in bumper heights is apparent even with the damage the X did sustain.
The bumper cover is cracked and split open upwards. The trunk has some denting in it, mostly above and to the left of the center line. It's hard to see in the crappy blackberry pics, but it's there. You can also see the white paint on the trunk. The edge of the bumper cover is pushed forwards in the wheel well about 1/2 inch on the driver's side.
I reported it to police and insurance. The claims adjuster is going to call me within 48hrs.
I don't think it's that bad but what do you guys think? Can anyone recommend a bodyshop in the Central NJ area?
Here are a few crappy bb pics...
George
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Ouch George,
I'm so sorry to hear. Glad to hear that you are OK. Man, I don't care if it is going to be 80 today, I don't think I'm going to take the Dodge out. Too much bad luck floating around.
Is the New Brunswick area ok with you... I believe the name of the body shop my cousin uses for the BMW's is called Caruso's (not sure of the spelling). Or there is our friend Al in Hillsboro. But my cousin only uses him for resto work on the old Chevy's and work on his electrical vans. We joke that on the 75 Impala he is restoring, he might get done before Ed gets the building finished, which is unusual for Al. I'll ask my cousin what he thinks later if you wish.
I'm so sorry to hear. Glad to hear that you are OK. Man, I don't care if it is going to be 80 today, I don't think I'm going to take the Dodge out. Too much bad luck floating around.
Is the New Brunswick area ok with you... I believe the name of the body shop my cousin uses for the BMW's is called Caruso's (not sure of the spelling). Or there is our friend Al in Hillsboro. But my cousin only uses him for resto work on the old Chevy's and work on his electrical vans. We joke that on the 75 Impala he is restoring, he might get done before Ed gets the building finished, which is unusual for Al. I'll ask my cousin what he thinks later if you wish.
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From: Boston, USA
Wow, sorry about that George, thankfully you are ok. Your definately getting it fixed right, what kind of deductible do you have? Jeff, I agree, alot of bad luck floating around here with the members.
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Talk about an April Fools day... there seems to be a rash of incidents going around.
I have a $500 collision deductible but since it wasn't my fault, I will be reimbursed by my insurance once they are reimbursed from the person that hit me's insurance. Basically I have to float the $500.
I also have the option of filing a claim directly with the other person's insurance, although from what I understand the process is much more time consuming and involved.
I have State Farm, has anyone ever dealt with them before? I haven't had an accident in over 10 years, and I didn't have State Farm at the time.
I'm going to try to get it all done right. Although I DO have to keep in mind that this is a 7 yr old car with over 100k miles as far as being OCD about perfection. Or at least that's what I keep trying to tell myself lol...
George
I have a $500 collision deductible but since it wasn't my fault, I will be reimbursed by my insurance once they are reimbursed from the person that hit me's insurance. Basically I have to float the $500.
I also have the option of filing a claim directly with the other person's insurance, although from what I understand the process is much more time consuming and involved.
I have State Farm, has anyone ever dealt with them before? I haven't had an accident in over 10 years, and I didn't have State Farm at the time.
I'm going to try to get it all done right. Although I DO have to keep in mind that this is a 7 yr old car with over 100k miles as far as being OCD about perfection. Or at least that's what I keep trying to tell myself lol...
George
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From: Texas
Talk about an April Fools day... there seems to be a rash of incidents going around.
I have a $500 collision deductible but since it wasn't my fault, I will be reimbursed by my insurance once they are reimbursed from the person that hit me's insurance. Basically I have to float the $500.
I also have the option of filing a claim directly with the other person's insurance, although from what I understand the process is much more time consuming and involved.
I have State Farm, has anyone ever dealt with them before? I haven't had an accident in over 10 years, and I didn't have State Farm at the time.
I'm going to try to get it all done right. Although I DO have to keep in mind that this is a 7 yr old car with over 100k miles as far as being OCD about perfection. Or at least that's what I keep trying to tell myself lol...
George
I have a $500 collision deductible but since it wasn't my fault, I will be reimbursed by my insurance once they are reimbursed from the person that hit me's insurance. Basically I have to float the $500.
I also have the option of filing a claim directly with the other person's insurance, although from what I understand the process is much more time consuming and involved.
I have State Farm, has anyone ever dealt with them before? I haven't had an accident in over 10 years, and I didn't have State Farm at the time.
I'm going to try to get it all done right. Although I DO have to keep in mind that this is a 7 yr old car with over 100k miles as far as being OCD about perfection. Or at least that's what I keep trying to tell myself lol...
George
Here is another idea. I have done this myself in the past.
You mentioned that this is a "winter beater" well it just got a little beaten.
Take a cash settlement, do a side or self repair with used or slavaged parts and make it look presentable.
Use the remainder for something more important, I think you might have a newer S type that you could put it into or use it for whatever else is more pressing at this time, or save or invest.A beater is a beater.
Just a thought...
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From: Hamilton, NJ
Jeff: I'd appreciate the guidance. New Brunswick or Hillsborough will work. I keep forgetting you're from Jersey.
My Black Cat: I didn't think of that aspect of it. I do have an S-Type, and it is my primary car - although I've been driving the X more until I get the wheel and tire situation on the S gets sorted. the S is bigger, more roomy, and comfortable. It's a great highway cruiser. And I love it's "distinct" styling.
I guess part of me looks at the X as the "winter beater" now, because it's a 2nd car, the less valuable of my 2 cars, and I held onto it because I couldn't justify giving it away for the peanuts they were offering for it in trade. I do drive it through snow and rain, etc, and prefer to because of the all wheel drive feature.
Then there is the other part of me that still looks back to it's "glory days" if you will. When it was my nice shiny new to me car. Honestly the car doesn't show it's age. The interior is still immaculate, and the body even having a few marks and knicks, still cleans up very well. The paint on the X was 100% original. - I know investing a significant amount of $ in repairs to a car of this age and mileage is probably a bad idea investment wise, as it is unlikely to provide any return on investment, and how much can it possibly further depreciate if a "presentable" repair was to be performed.
I guess I would have to price out everything, look at the numbers and come to a final conclusion based on that.
George
My Black Cat: I didn't think of that aspect of it. I do have an S-Type, and it is my primary car - although I've been driving the X more until I get the wheel and tire situation on the S gets sorted. the S is bigger, more roomy, and comfortable. It's a great highway cruiser. And I love it's "distinct" styling.
I guess part of me looks at the X as the "winter beater" now, because it's a 2nd car, the less valuable of my 2 cars, and I held onto it because I couldn't justify giving it away for the peanuts they were offering for it in trade. I do drive it through snow and rain, etc, and prefer to because of the all wheel drive feature.
Then there is the other part of me that still looks back to it's "glory days" if you will. When it was my nice shiny new to me car. Honestly the car doesn't show it's age. The interior is still immaculate, and the body even having a few marks and knicks, still cleans up very well. The paint on the X was 100% original. - I know investing a significant amount of $ in repairs to a car of this age and mileage is probably a bad idea investment wise, as it is unlikely to provide any return on investment, and how much can it possibly further depreciate if a "presentable" repair was to be performed.
I guess I would have to price out everything, look at the numbers and come to a final conclusion based on that.
George
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From: Hamilton, NJ
Jeff: I'd appreciate the guidance. New Brunswick or Hillsborough will work. I keep forgetting you're from Jersey.
My Black Cat: I didn't think of that aspect of it. I do have an S-Type, and it is my primary car - although I've been driving the X more until I get the wheel and tire situation on the S gets sorted. the S is bigger, more roomy, and comfortable. It's a great highway cruiser. And I love it's "distinct" styling.
I guess part of me looks at the X as the "winter beater" now, because it's a 2nd car, the less valuable of my 2 cars, and I held onto it because I couldn't justify giving it away for the peanuts they were offering for it in trade. I do drive it through snow and rain, etc, and prefer to because of the all wheel drive feature.
Then there is the other part of me that still looks back to it's "glory days" if you will. When it was my nice shiny new to me car. Honestly the car doesn't show it's age. The interior is still immaculate, and the body even having a few marks and knicks, still cleans up very well. The paint on the X was 100% original. - I know investing a significant amount of $ in repairs to a car of this age and mileage is probably a bad idea investment wise, as it is unlikely to provide any return on investment, and how much can it possibly further depreciate if a "presentable" repair was to be performed.
I guess I would have to price out everything, look at the numbers and come to a final conclusion based on that.
George
Sorry for the double post, my internet was acting a bit weird, and I didn't realize it went through.
My Black Cat: I didn't think of that aspect of it. I do have an S-Type, and it is my primary car - although I've been driving the X more until I get the wheel and tire situation on the S gets sorted. the S is bigger, more roomy, and comfortable. It's a great highway cruiser. And I love it's "distinct" styling.
I guess part of me looks at the X as the "winter beater" now, because it's a 2nd car, the less valuable of my 2 cars, and I held onto it because I couldn't justify giving it away for the peanuts they were offering for it in trade. I do drive it through snow and rain, etc, and prefer to because of the all wheel drive feature.
Then there is the other part of me that still looks back to it's "glory days" if you will. When it was my nice shiny new to me car. Honestly the car doesn't show it's age. The interior is still immaculate, and the body even having a few marks and knicks, still cleans up very well. The paint on the X was 100% original. - I know investing a significant amount of $ in repairs to a car of this age and mileage is probably a bad idea investment wise, as it is unlikely to provide any return on investment, and how much can it possibly further depreciate if a "presentable" repair was to be performed.
I guess I would have to price out everything, look at the numbers and come to a final conclusion based on that.
George
Sorry for the double post, my internet was acting a bit weird, and I didn't realize it went through.
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From: Texas
Jeff: I'd appreciate the guidance. New Brunswick or Hillsborough will work. I keep forgetting you're from Jersey.
My Black Cat: I didn't think of that aspect of it. I do have an S-Type, and it is my primary car - although I've been driving the X more until I get the wheel and tire situation on the S gets sorted. the S is bigger, more roomy, and comfortable. It's a great highway cruiser. And I love it's "distinct" styling.
I guess part of me looks at the X as the "winter beater" now, because it's a 2nd car, the less valuable of my 2 cars, and I held onto it because I couldn't justify giving it away for the peanuts they were offering for it in trade. I do drive it through snow and rain, etc, and prefer to because of the all wheel drive feature.
Then there is the other part of me that still looks back to it's "glory days" if you will. When it was my nice shiny new to me car. Honestly the car doesn't show it's age. The interior is still immaculate, and the body even having a few marks and knicks, still cleans up very well. The paint on the X was 100% original. - I know investing a significant amount of $ in repairs to a car of this age and mileage is probably a bad idea investment wise, as it is unlikely to provide any return on investment, and how much can it possibly further depreciate if a "presentable" repair was to be performed.
I guess I would have to price out everything, look at the numbers and come to a final conclusion based on that.
George
My Black Cat: I didn't think of that aspect of it. I do have an S-Type, and it is my primary car - although I've been driving the X more until I get the wheel and tire situation on the S gets sorted. the S is bigger, more roomy, and comfortable. It's a great highway cruiser. And I love it's "distinct" styling.
I guess part of me looks at the X as the "winter beater" now, because it's a 2nd car, the less valuable of my 2 cars, and I held onto it because I couldn't justify giving it away for the peanuts they were offering for it in trade. I do drive it through snow and rain, etc, and prefer to because of the all wheel drive feature.
Then there is the other part of me that still looks back to it's "glory days" if you will. When it was my nice shiny new to me car. Honestly the car doesn't show it's age. The interior is still immaculate, and the body even having a few marks and knicks, still cleans up very well. The paint on the X was 100% original. - I know investing a significant amount of $ in repairs to a car of this age and mileage is probably a bad idea investment wise, as it is unlikely to provide any return on investment, and how much can it possibly further depreciate if a "presentable" repair was to be performed.
I guess I would have to price out everything, look at the numbers and come to a final conclusion based on that.
George
Its not a 57 chevy. Old Xtype today older less valuable Xtype tomorrow..
Now if money is no object.......
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George,
My condolences as well. Glad the damage appears to be minimal and that everyone is okay....
I also have State Farm. Remember that I got plowed in our S-Type last August by a Geico driver. My State Farm agent recommended subrogation. That means even though the Geico driver was at fault, we had the repairs done through State Farm so I had full control of the process (choose my own body shop, insist on new OEM parts, etc.), then at the end State Farm billed Geico for the entire cost and Geico had to pay up. Since I wasn't at fault, my driving record stays clean and my insurance rates don't go up even by a penny.
Talk to your agent about subrogation. I highly recommend it. If you go through the at-fault driver's insurance company, they will try to nickel and dime and cut corners wherever they can, including using remanufactured, non-OEM parts. I don't think you want that.
Keep us posted. A lot of cars having to be repaired around this forum lately. I hope the bad kharma stops soon....
My condolences as well. Glad the damage appears to be minimal and that everyone is okay....
I also have State Farm. Remember that I got plowed in our S-Type last August by a Geico driver. My State Farm agent recommended subrogation. That means even though the Geico driver was at fault, we had the repairs done through State Farm so I had full control of the process (choose my own body shop, insist on new OEM parts, etc.), then at the end State Farm billed Geico for the entire cost and Geico had to pay up. Since I wasn't at fault, my driving record stays clean and my insurance rates don't go up even by a penny.
Talk to your agent about subrogation. I highly recommend it. If you go through the at-fault driver's insurance company, they will try to nickel and dime and cut corners wherever they can, including using remanufactured, non-OEM parts. I don't think you want that.
Keep us posted. A lot of cars having to be repaired around this forum lately. I hope the bad kharma stops soon....
Last edited by Jon89; Apr 2, 2010 at 10:30 AM.
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So, talked with my cousin for a minute today....
His words " yea if he's picky as h*ll send him to Caruso's".
So, I personally would get it fixed. My cousin has taken his "babies" there for years. His 5 was blasted by a deer so bad it damaged the nose and decklid. Imagine a deer getting flipped in the air on 95 at 80+ then landing on the trunk! Anyway, there is no way anyone can tell his 5 was ever repaired. That I have seen. My other cousin with the 3 had his car redone by them as well. So, I highly recommend them. I also know they deal with State Farm. That is who my cousin has. So here is their website. http://www.carusosautomotive.com/index.htm
It is in Plainfield, not New Brunswick. My bad. Been a while. Anyway, ask for Carl and you can tell him that you heard of them through me (they won't know who I am
) and my cousin Ed Vetter with Vetter Electric Co. They should treat you right and get her looking just perfect. Oh, BTW, since it is totally the other driver's fault I would just get it fixed. If it was me and I had say backed into something, then I may take a different route.
His words " yea if he's picky as h*ll send him to Caruso's".
So, I personally would get it fixed. My cousin has taken his "babies" there for years. His 5 was blasted by a deer so bad it damaged the nose and decklid. Imagine a deer getting flipped in the air on 95 at 80+ then landing on the trunk! Anyway, there is no way anyone can tell his 5 was ever repaired. That I have seen. My other cousin with the 3 had his car redone by them as well. So, I highly recommend them. I also know they deal with State Farm. That is who my cousin has. So here is their website. http://www.carusosautomotive.com/index.htm
It is in Plainfield, not New Brunswick. My bad. Been a while. Anyway, ask for Carl and you can tell him that you heard of them through me (they won't know who I am
) and my cousin Ed Vetter with Vetter Electric Co. They should treat you right and get her looking just perfect. Oh, BTW, since it is totally the other driver's fault I would just get it fixed. If it was me and I had say backed into something, then I may take a different route.
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George,
My condolences as well. Glad the damage appears to be minimal and that everyone is okay....
I also have State Farm. Remember that I got plowed in our S-Type last August by a Geico driver. My State Farm agent recommended subrogation. That means even though the Geico driver was at fault, we had the repairs done through State Farm so I had full control of the process (choose my own body shop, insist on new OEM parts, etc.), then at the end State Farm billed Geico for the entire cost and Geico had to pay up. Since I wasn't at fault, my driving record stays clean and my insurance rates don't go up even by a penny.
Talk to your agent about subrogation. I highly recommend it. If you go through the at-fault driver's insurance company, they will try to nickel and dime and cut corners wherever they can, including using remanufactured, non-OEM parts. I don't think you want that.
Keep us posted. A lot of cars having to be repaired around this forum lately. I hope the bad kharma stops soon....
My condolences as well. Glad the damage appears to be minimal and that everyone is okay....
I also have State Farm. Remember that I got plowed in our S-Type last August by a Geico driver. My State Farm agent recommended subrogation. That means even though the Geico driver was at fault, we had the repairs done through State Farm so I had full control of the process (choose my own body shop, insist on new OEM parts, etc.), then at the end State Farm billed Geico for the entire cost and Geico had to pay up. Since I wasn't at fault, my driving record stays clean and my insurance rates don't go up even by a penny.
Talk to your agent about subrogation. I highly recommend it. If you go through the at-fault driver's insurance company, they will try to nickel and dime and cut corners wherever they can, including using remanufactured, non-OEM parts. I don't think you want that.
Keep us posted. A lot of cars having to be repaired around this forum lately. I hope the bad kharma stops soon....
I also believe that this will not affect my insurance rate as per my conversation with the State Farm customer service center. I haven't spoken to my agent personally - albeit we don't have that much of a relationship, I haven't seen or talked to him in years, since I signed up for the policy. With the brief exception of one of his employees adding my S-Type to the policy and faxing as well as mailing the insurance card.
I'm still on the fence as far as seeking perfection as opposed to acceptable work, however I WILL force the insurance to pay for perfection either way. I have never filed a claim, and have paid for years.
Jon - can you explain more about your diminished value claim and that whole process? I really have no interest in lawsuits or going to court, but I'd like to see if something can be done.
George
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You can ask for diminished value from the at-fault insurance company. This cannot be done until repairs are completed and you have the car back in your possession. When you ask for diminished value, they will do one of two things:
1. Decline to pay you for diminished value because their professional opinion is that the car has been repaired to industry standards.
2. Make you a low-ball ridiculous offer for diminished value in hopes that you'll take it and go away. In my case, Geico's offer was $400. I laughed and said "see you in court". They didn't believe me and continued to offer just $400 for more than a month. 99% of customers in my shoes never follow through with going to court, and the insurance companies know that.
Once they found out I had the car professionally appraised after repairs (cost me $325 to do that), Geico knew I was serious and immediately raised their offer to $2,500. My appraisal shows that my car had lost about $4,225 in value just by being wrecked, so I declined Geico's revised offer and took the matter to Small Claims Court. I acted as my own attorney. I sued for the maximum Small Claims Court limit in my state of $5,000 (to cover my loss and my expenses) and won. Once I sued, it took about six weeks to get to court, so I had plenty of time to prepare my case.
If you want to collect the full diminished value amount, you're going to have to go to court. If you just want to collect a decent diminished value amount, you're going to have to bluff the other insurance company into thinking that you'll be taking them to court, hope to receive a solid bumped-up offer (remember, I could have collected $2,500 from Geico without going to court), and then take it from there.
Either way, you will have to spend the money to get your car appraised for diminished value after it is repaired. I contacted a company that specializes in this, Auto Appraisal Group out of Charlottesville, VA. They have agents all over the country. Call their corporate office, explain your situation, and ask to have a local agent contact you. Talk to that local agent, and then you can take it from there. The corporate office is (800) 848-2886 and the website is autoappraisal.com.
Good luck. Keep us posted....
1. Decline to pay you for diminished value because their professional opinion is that the car has been repaired to industry standards.
2. Make you a low-ball ridiculous offer for diminished value in hopes that you'll take it and go away. In my case, Geico's offer was $400. I laughed and said "see you in court". They didn't believe me and continued to offer just $400 for more than a month. 99% of customers in my shoes never follow through with going to court, and the insurance companies know that.
Once they found out I had the car professionally appraised after repairs (cost me $325 to do that), Geico knew I was serious and immediately raised their offer to $2,500. My appraisal shows that my car had lost about $4,225 in value just by being wrecked, so I declined Geico's revised offer and took the matter to Small Claims Court. I acted as my own attorney. I sued for the maximum Small Claims Court limit in my state of $5,000 (to cover my loss and my expenses) and won. Once I sued, it took about six weeks to get to court, so I had plenty of time to prepare my case.
If you want to collect the full diminished value amount, you're going to have to go to court. If you just want to collect a decent diminished value amount, you're going to have to bluff the other insurance company into thinking that you'll be taking them to court, hope to receive a solid bumped-up offer (remember, I could have collected $2,500 from Geico without going to court), and then take it from there.
Either way, you will have to spend the money to get your car appraised for diminished value after it is repaired. I contacted a company that specializes in this, Auto Appraisal Group out of Charlottesville, VA. They have agents all over the country. Call their corporate office, explain your situation, and ask to have a local agent contact you. Talk to that local agent, and then you can take it from there. The corporate office is (800) 848-2886 and the website is autoappraisal.com.
Good luck. Keep us posted....
Last edited by Jon89; Apr 2, 2010 at 12:30 PM.
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Thank you for that information.
It appears as though the damage to my X-Type may actually be more than meets the eye.
I took the car out for a drive today, and at highway speeds, something just didn't feel right. It felt like the car had a floaty feeling or shimmy in the rear - almost like a rwd car that was about to oversteer. Almost as if it just didn't want or like to go straight. (sorry for the seat of the pants explanation).
So I get home, put the car in the garage, and start looking around.
This is what I see so far. The drivers side wheel and suspension looks fine - The passenger side has a LOT of negative camber all of a sudden. Could the impact have thrown off the alignment? THAT much? Or is something else wrong. The bottom of the bumper also seems to get higher as you head towards the passenger side, but the bumper is also crunched, and needs to re replaced right now.
Is there anything specific I should inspect
Thanks in advance,
George
It appears as though the damage to my X-Type may actually be more than meets the eye.
I took the car out for a drive today, and at highway speeds, something just didn't feel right. It felt like the car had a floaty feeling or shimmy in the rear - almost like a rwd car that was about to oversteer. Almost as if it just didn't want or like to go straight. (sorry for the seat of the pants explanation).
So I get home, put the car in the garage, and start looking around.
This is what I see so far. The drivers side wheel and suspension looks fine - The passenger side has a LOT of negative camber all of a sudden. Could the impact have thrown off the alignment? THAT much? Or is something else wrong. The bottom of the bumper also seems to get higher as you head towards the passenger side, but the bumper is also crunched, and needs to re replaced right now.
Is there anything specific I should inspect
Thanks in advance,
George
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In case no-one knows about the X-Type's suspension (I don't!), maybe explain accident and post pics iin the X-Type section, where some will know (list your car details). Or see what an alignment place says (live anywhere near Bull27?).
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From: Hamilton, NJ
George
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From: Akron, Ohio USA
Yes, a impact can jolt things out of whack... I don't think the impact was hard enough to bend anything, but that is what I would look for...
So, looks like your mind is made up.... Call Caruso's....
So, looks like your mind is made up.... Call Caruso's....
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From: Raleigh, NC
There is ALWAYS hidden damage. You can take that to the bank....
Just keep the car in the garage until it's time for your insurance company inspections prior to repairs getting underway. Once you have your initial estimates in hand, you'll be ready to proceed with repairs and an eventual diminished value claim....
Be sure to get a copy of the police report. They are typically available within 3 to 4 days after the accident occured. You want to know EXACTLY what has been reported to the authorities. And get help from your State Farm agent in interpreting the accident codes used in the report. You need to be able to show the other guy was at fault and was clearly charged by the cop. That will become crucial in chasing reimbursement from the other guy's insurance company and then a diminished value claim later on....
I'll say it again - talk to your State Farm agent about subrogation. YOU want control over the way your car is repaired. You do NOT want the other guy's insurance company controlling how your car is repaired - they will use refurbished parts and cut corners wherever they can....
Just keep the car in the garage until it's time for your insurance company inspections prior to repairs getting underway. Once you have your initial estimates in hand, you'll be ready to proceed with repairs and an eventual diminished value claim....
Be sure to get a copy of the police report. They are typically available within 3 to 4 days after the accident occured. You want to know EXACTLY what has been reported to the authorities. And get help from your State Farm agent in interpreting the accident codes used in the report. You need to be able to show the other guy was at fault and was clearly charged by the cop. That will become crucial in chasing reimbursement from the other guy's insurance company and then a diminished value claim later on....
I'll say it again - talk to your State Farm agent about subrogation. YOU want control over the way your car is repaired. You do NOT want the other guy's insurance company controlling how your car is repaired - they will use refurbished parts and cut corners wherever they can....