Is this the end?
#432760
September 13, 2014 07:26 pm UTC
September 13, 2014 07:26 pm UTC
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Joined: Jun 2003
Posts: 500 Oshawa
Steve Rode
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OP
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Posts: 500
Oshawa
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So...if you've been on this site long enough you know that: my Talon caught my wallet left I left on my roof my Talon damaged an 18 wheeler when it hit me (i was fine) my Talon introduced me to a hot female Talon fan
And Thursday...
Come out of the train and walk to my Talon in the lot. Notice immediately the broken sidelight and ripped off front bumper.
As the rage builds, I see a piece of paper flapping on my wiper.
The person left information. They'll pay for it.
Get to the autobody shop...they tell me it'll likely be paid out.
Is that it? After all these years, an insurance company can tell me that my classic car is scrap?
It just turned 113000miles...has no underbody rust, body isn't bad.
Am I just panicking??
'93 Tsi AWD AT, 16G Turbo,3" front to back '11 Evolution X, stock
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Re: Is this the end?
[Re: Steve Rode]
#432763
September 13, 2014 08:41 pm UTC
September 13, 2014 08:41 pm UTC
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Joined: Apr 2010
Posts: 6,809 Ottawa, ON
Mike Eng
Senior Member, with Far TOO Much Time on Their Hands
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Senior Member, with Far TOO Much Time on Their Hands
Joined: Apr 2010
Posts: 6,809
Ottawa, ON
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That's really not fun.
But on the bright side, the person who hit your car actually left their information.. And that in itself is a pretty rare thing nowadays.
If it were me, I would pick the best body shop in town and get their quote. Give the person responsible to either go through their insurance, or pay cash, and get it fixed.
Although I am curious to know if they consider it a write off, what happens if you do want to keep the car..?
'99 GSX GT35R '03 CBR 600RR
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Re: Is this the end?
[Re: Guillaume Berton]
#432764
September 13, 2014 10:21 pm UTC
September 13, 2014 10:21 pm UTC
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Joined: Jun 2003
Posts: 500 Oshawa
Steve Rode
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If the guy is paying....is there a need to go through insurance? Save the car and still not pay a dime. I told them it would be over $1k in repairs. She said, just go through insurance. The Auto Body guy said the same thing. The Bumper is ripped off, and damaged.
'93 Tsi AWD AT, 16G Turbo,3" front to back '11 Evolution X, stock
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Re: Is this the end?
[Re: Steve Rode]
#432767
September 13, 2014 11:33 pm UTC
September 13, 2014 11:33 pm UTC
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Joined: Oct 2010
Posts: 3,607 Brampton, Ontario
Guillaume Berton
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Just a bumper? get a used one, repaint and good to go, you can get a used bumper for 50$ I'm guessing there's no frame damage as it's in a parking lot, can't be that big of a shunt.
"Looked at it, declared war and went to find my throwing wrenches."
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Re: Is this the end?
[Re: Steve Rode]
#432785
September 14, 2014 06:45 pm UTC
September 14, 2014 06:45 pm UTC
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Joined: Jan 2000
Posts: 7,503 Trenton, On, Canada.
Ghislain Goudreau
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Senior Member, with Far TOO Much Time on Their Hands
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Trenton, On, Canada.
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Just get him to out of his pocket. Going through the insurances would be pointless as a deductible would have to be paid and the Insurance premium would go up till the cost would be recovered.
Ghislain
Rouge!!!
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Re: Is this the end?
[Re: Steve Rode]
#432855
September 16, 2014 02:58 pm UTC
September 16, 2014 02:58 pm UTC
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Joined: Jun 2003
Posts: 500 Oshawa
Steve Rode
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Well, just talked to the insurance.
They put me into some trouble, because they wouldn't bring the car to the Collision Reporting Centre. So I called the police and they compromised. WHEW!
Now the real story... Looks like she did a lot of damage to her car.
Mine comes out to over $2300 in front end damage.
The insurance company is sending an "expert" adjuster to determine if it warrants repairs.
I love how this works out...my car has low miles, no underbody rust...and they decide to pay me out as a possibility?
I don't have money to fix her if I just take the car...which stinks. And it's in total running condition, just not with the damage.
This really sucks...I'll keep y'all posted.
'93 Tsi AWD AT, 16G Turbo,3" front to back '11 Evolution X, stock
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Re: Is this the end?
[Re: Steve Rode]
#432942
September 18, 2014 01:15 pm UTC
September 18, 2014 01:15 pm UTC
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Joined: Jun 2003
Posts: 500 Oshawa
Steve Rode
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Update:
So there are other body repairs that need to be done.
Looks like that little piece of surface rust on the fender was actually from some device that held the bumper (apologies for my lack of terms). It had rusted through.
That's $600 that the insurance company won't cover. They say it was pre-existing and don't buy it that the accident accelerated the decay.
I got a copy of the body shop.
$550 for parts $1500 for labour
I'm in the wrong business...
'93 Tsi AWD AT, 16G Turbo,3" front to back '11 Evolution X, stock
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Re: Is this the end?
[Re: Steve Rode]
#432943
September 18, 2014 01:22 pm UTC
September 18, 2014 01:22 pm UTC
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Joined: Oct 2010
Posts: 9,968 Caledon, Ontario, Canada
Bryan Lawrence
Senior Member, with Far TOO Much Time on Their Hands
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Senior Member, with Far TOO Much Time on Their Hands
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Caledon, Ontario, Canada
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haha yeah that's insane. most of the time I find labour is equal to parts. They may be adding extra as they know insurance is paying for it.
"Old Blue" 91 Talon TSi AWD "Super Enthusiast" 91 Talon TSi AWD Checkout DSMFAQ.com!
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Re: Is this the end?
[Re: Lucian Marta]
#432955
September 18, 2014 06:16 pm UTC
September 18, 2014 06:16 pm UTC
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Joined: Mar 2009
Posts: 3,055 Stanstead, Quebec
Jason Drew
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I can't see why it would be totalled, but like most things it's probably very much fixable. If you want to keep the car, I'm sure there are ways to get around it. Seems like insurance companies like to "total" anything over 10 years old. My buddies car was totaled for this, he simply got backed into. He bought it back from the insurance and fixed it himself, though the car now has a salvage title.
1997 Eclipse GST - AWD swapped - TPC - GT Spec powered 2023 - 9.63 - 145mph
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Re: Is this the end?
[Re: Bryan Lawrence]
#433015
September 19, 2014 01:41 pm UTC
September 19, 2014 01:41 pm UTC
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Joined: Jun 2003
Posts: 500 Oshawa
Steve Rode
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haha yeah that's insane. most of the time I find labour is equal to parts. They may be adding extra as they know insurance is paying for it. Looks like the painting is what's going to cost the most. I suppose they need to watch the paint dry, or something.
'93 Tsi AWD AT, 16G Turbo,3" front to back '11 Evolution X, stock
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Re: Is this the end?
[Re: Steve Rode]
#433016
September 19, 2014 01:46 pm UTC
September 19, 2014 01:46 pm UTC
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Joined: Oct 2010
Posts: 9,968 Caledon, Ontario, Canada
Bryan Lawrence
Senior Member, with Far TOO Much Time on Their Hands
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Senior Member, with Far TOO Much Time on Their Hands
Joined: Oct 2010
Posts: 9,968
Caledon, Ontario, Canada
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"Old Blue" 91 Talon TSi AWD "Super Enthusiast" 91 Talon TSi AWD Checkout DSMFAQ.com!
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Re: Is this the end?
[Re: Steve Rode]
#433219
September 23, 2014 05:53 pm UTC
September 23, 2014 05:53 pm UTC
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Joined: Jun 2003
Posts: 500 Oshawa
Steve Rode
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Well, I just got the call. They want to write it off. I want to tell them to F**K a cow.
For $2300 they won't repair a vehicle that was hit and wasn't liable. What a crock of sh!t.
Problem is that I don't have money to play with.
If, as someone suggested, I "buy it back" how does that work? Last time I tried that (the car I had before the Talon) I was told it was the cheque or the car, not a mixture of both.
If anyone can give me options. It's almost impossible to find a Tsi AT with moon roof anymore.
'93 Tsi AWD AT, 16G Turbo,3" front to back '11 Evolution X, stock
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Re: Is this the end?
[Re: Steve Rode]
#433220
September 23, 2014 06:41 pm UTC
September 23, 2014 06:41 pm UTC
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Joined: Apr 2010
Posts: 6,809 Ottawa, ON
Mike Eng
Senior Member, with Far TOO Much Time on Their Hands
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Senior Member, with Far TOO Much Time on Their Hands
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Posts: 6,809
Ottawa, ON
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Curious to know the next steps here.
Figure they pay you out, you repair it, it gets branded as rebuilt.. And you're shopping for a new policy.
You should seriously get in touch with Grant Redfern at Allstate insurance. He's in Etobicoke. Saved me a couple grand a year for my rebuilt title eclipse.
'99 GSX GT35R '03 CBR 600RR
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Re: Is this the end?
[Re: Mike Eng]
#433241
September 24, 2014 12:10 am UTC
September 24, 2014 12:10 am UTC
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Joined: Jul 2009
Posts: 1,860 Etobicoke
Deep Mann
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Really? Then what's the point of writing it off?
If the repair is valued more than the car is worth or near it the insurance would write it off. Then its up to the person inspecting/adjuster to declare a title for that car. Clean title is usually nothing structurally damaged Salvage is structurally damaged. Once you buy it and fix it, you will need to go through a salvage inspection ($300-350) and get it branded rebuilt. I have seen lots of salvage cars that have barely any damage. Especially new cars where the rad supports are made out of plastic! Edit: Steve Ive been so busy or I would've recommended bringing this car to my shop. I am shocked the shop has not helped you out one bit in this process. We know alot of adjusters from various insurance companies and most likely I could have gotten them to fix it for you! Now if they are paying you a X amount of money, take it. I think the car will turn up in a insurance auction and I can buy it back for you for half the price the insurance company is going to pay you out. Tell the shop to track where the car is going.
Last edited by Deep Mann; September 24, 2014 12:16 am UTC.
1998 Tsi Awd 10.6@134
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Re: Is this the end?
[Re: Deep Mann]
#433243
September 24, 2014 12:32 am UTC
September 24, 2014 12:32 am UTC
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Joined: Jun 2003
Posts: 500 Oshawa
Steve Rode
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Deep: I really appreciate it. The only reason I'm so attached to the car is that it's an American AT ride, with moon roof. Don't have too many of those. I think (from research) only 5% of all Talons fit that model.
I just got off the phone with the "expert" appraiser. He talked some smack about surface rust, bad seats, etc...eye stuff. When I told him that I had replaced the engine, turbo, transmission, ECU, etc, etc, he asked for receipts.
Well, I never thought to keep receipts since I can't write it off...why keep all that extra paper lying about gathering dust. Says that there's nothing he can do.
He indicated that the thing that tipped it over was the fact that there MAY be hidden damages. She hit me so hard my radiator was affected.
So he told me to tell my adjuster about the no rust on the underbody, etc to get a better price. But he won't raise the quality of the vehicle without receipts.
He thought I was angry...brother, if I were angry he would know anger. I told him I was very disappointed. After all, I paid 20k insurance and am getting shafted for something that wasn't my fault.
Sorry...venting here...but onto the next stage.
Keep y'all posted.
'93 Tsi AWD AT, 16G Turbo,3" front to back '11 Evolution X, stock
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Re: Is this the end?
[Re: Steve Rode]
#433244
September 24, 2014 12:38 am UTC
September 24, 2014 12:38 am UTC
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Joined: Jun 2012
Posts: 2,669 Toronto, Ontario
Stephan Tanchak
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Sounds familiar. Just like anyone, they will take money with ease, but when it comes their time to pay, the excuses come out.
1998 Eclipse GSX Spyder 11.5@124 AWD Talons: 1992, 1993, 1997, 1998
Team Big Turbo
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Re: Is this the end?
[Re: Johnny Larmond]
#433331
September 25, 2014 07:00 pm UTC
September 25, 2014 07:00 pm UTC
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Joined: Jun 2003
Posts: 500 Oshawa
Steve Rode
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OKAY guys, need some advice here:
Insurance settlement is $2666 without the car. Insurance settlement is $2100 WITH the car
Now the bill was $2300 for the repairs, but could that conceivably be inflated due to insurance?
I'm concerned that there's more damage that could exceed the $2100.
In addition, would the insurance company insure the Talon after I get it fixed? And would that cost more money?
Any options would be great. I have a couple of days at most.
'93 Tsi AWD AT, 16G Turbo,3" front to back '11 Evolution X, stock
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Re: Is this the end?
[Re: Steve Rode]
#433332
September 25, 2014 07:04 pm UTC
September 25, 2014 07:04 pm UTC
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Joined: Oct 2010
Posts: 9,968 Caledon, Ontario, Canada
Bryan Lawrence
Senior Member, with Far TOO Much Time on Their Hands
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Senior Member, with Far TOO Much Time on Their Hands
Joined: Oct 2010
Posts: 9,968
Caledon, Ontario, Canada
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I would take the car for sure, even if you end up having to see it all off you would definitely end up with more money.
Like Deep said bring it by the shop and he can take a look for you. I have seen their work and you wouldn't believe they are the same cars.
"Old Blue" 91 Talon TSi AWD "Super Enthusiast" 91 Talon TSi AWD Checkout DSMFAQ.com!
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