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  #1  
Old September 2nd, 2015, 11:50 AM
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Neil Steinhagen
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Repair Decisions

My Son got in an accident last night. ALL parties involved are okay - no injuries. We are all very thankful for that.

As it was my Son's fault, my insurance is going to be buying the 2006 Hyundai that is most likely totaled.

I will be doing the body work on the Rover myself.

The decision I'm faced with is this:

1. Pay my deductible, get a quote and take the money for repairs, possibly start the Tdi fund.

2. Don't have the insurance pay for my repairs to prevent my rates from going through the roof.

My thinking is that my rates are going up regardless because I'm responsible for the other driver. What I don't know are the intricacies of how they determine how much my rates go up. I haven't dealt with an insurance company in a long time.

I'd appreciate any sound advice from those that may have experience in this area. A few ridiculous suggestions are always fun to read too.

And if anyone has any ExMOD parts laying around, please send me a pm.

Thanks!
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  #2  
Old September 2nd, 2015, 11:56 AM
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Chris Benway
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From the look of both vehicles, I will be putting my kid in a Defender!
Glad everyone OK.
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  #3  
Old September 2nd, 2015, 12:01 PM
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Energy absorbing tire vs. sheetmetal and plastic... We have a winner!

from the pics it looks like you need an outer fender skin a big vice and a powdercoat.
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  #4  
Old September 2nd, 2015, 12:02 PM
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Paul Clay
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I have a plain jane galvanized bumper (civvie spec) that's yours for the price of shipping, if your interested. Glad your son is ok.
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  #5  
Old September 2nd, 2015, 12:07 PM
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body damage only? Check your axles, swivels etc. as well as the likely damage to the front radius arm mount(s) on at the chassis.
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  #6  
Old September 2nd, 2015, 12:23 PM
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James Perakis
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I'd say it depends very much on your carrier and specific plan.

I'm an Attorney and got my start doing insurance litigation (bo-ring).

My main advice would be to simply call them up and ask.

My overarching advice in the insurance space is for everyone to get the best damn (read: highest liability coverage) insurance you can afford.

I saw far too many instances of well to do people get destroyed financially over an accident.

------ Follow up post added September 2nd, 2015 09:29 AM ------

I should also add that I know of a 94 Nas ST owner who had squished his rear quarter panel and because of the nature of the design his carrier paid to have a whole new tub installed.

The value of repair significantly outweighed the associated insurance cost (deductible and premium bump).

Goes without saying that he did a lot of research before pulling the trigger with the claim.
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  #7  
Old September 2nd, 2015, 12:29 PM
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Russell
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2 words ... umbrella policy. I had a buddy get sued by a surgeon for lost income claiming he couldn't work for 9 months b/c of the typical "lower lumbar strain" diagnosis from a low speed rear end accident. It was total BS, but a wakeup situation for me.
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  #8  
Old September 2nd, 2015, 12:29 PM
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If you bring a claim against your own truck do you face the possibility of them totaling it as well? Maybe something to look into.

------ Follow up post added September 2nd, 2015 12:33 PM ------

Quote:
Originally Posted by down_shift View Post
2 words ... umbrella policy.
x2. With 4 drivers in my family and playing landlord 3 times over it is a must.
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  #9  
Old September 2nd, 2015, 12:38 PM
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Eric Smirh
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Quote:
Originally Posted by steinhnj View Post
My Son got in an accident last night. ALL parties involved are okay - no injuries. We are all very thankful for that. As it was my Son's fault, my insurance is going to be buying the 2006 Hyundai that is most likely totaled. I will be doing the body work on the Rover myself. The decision I'm faced with is this: 1. Pay my deductible, get a quote and take the money for repairs, possibly start the Tdi fund. 2. Don't have the insurance pay for my repairs to prevent my rates from going through the roof. My thinking is that my rates are going up regardless because I'm responsible for the other driver. What I don't know are the intricacies of how they determine how much my rates go up. I haven't dealt with an insurance company in a long time. I'd appreciate any sound advice from those that may have experience in this area. A few ridiculous suggestions are always fun to read too. And if anyone has any ExMOD parts laying around, please send me a pm. Thanks!
Sorry to hear about the crash. Glad everyone is ok. I have a used MOD bumper and grill. $120.00 + ride.

Eric
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  #10  
Old September 2nd, 2015, 12:43 PM
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Neil I have the bumper. FWIW I would assume your rate will go up regardless of outlay becuase of the claim. I'd definitely take the money and fix yours.

------ Follow up post added September 2nd, 2015 12:45 PM ------

the outer skin isn't expensive, looks like the front panel is salvagable as is the top. Hows the galvanized inner can you simply remove it and hammer is flat ?

I have fixed worse with my porta power without even disassembling
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  #11  
Old September 2nd, 2015, 02:27 PM
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this outer wing looks cheap enough to see if it'll work for you.

New LH Outer Wing Panel / Fender for 200Tdi or 2.8i (ALR6677) - Defender Source
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  #12  
Old September 2nd, 2015, 02:38 PM
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I like the ABS ones FRONT WINGS + PARTS
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  #13  
Old September 2nd, 2015, 02:40 PM
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Quote:
Originally Posted by Uncle Douglas View Post
I like the ABS ones FRONT WINGS + PARTS
Agreed. I just saw the one I linked was the aluminum one (really looks like the ABS one though!). The ABS are great especially if your son will continue to drive it (they're more forgiving against trees, too).
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  #14  
Old September 2nd, 2015, 02:56 PM
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Neil Steinhagen
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Thanks everyone for the quick replies.

I spoke with the insurance agent. I asked about my options. He said that it really doesn't matter what they pay for - her car, my car, both cars - what matters is whose fault it is. If it's our fault, then my rate is affected, doesn't matter what amount they pay for repairs.

So we'll see how much a Ford dealership is going to quote for repairs. That's what the insurance company will use for their estimate to compare to a shop of my choice.
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  #15  
Old September 2nd, 2015, 02:57 PM
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Just be aware that ABS will dissolve in acetone, has very poor chemical resistance against brake fluids, and a low tg of 221 degrees F.

Given these material properties, I personally would use aluminum only, unless this is a trail only truck.
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  #16  
Old November 24th, 2015, 04:50 PM
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How did this pan out, who are you insured with, where in CT are you?
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  #17  
Old November 24th, 2015, 05:05 PM
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I sent him a bumper via Ron and last I heard he bought a 200 auto setup to put in it. Haven't heard from Neil in a month or two but that's pretty normal, given what he does for a living.....
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  #18  
Old November 24th, 2015, 05:11 PM
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Quote:
Originally Posted by Uncle Douglas View Post
I sent him a bumper via Ron and last I heard he bought a 200 auto setup to put in it. Haven't heard from Neil in a month or two but that's pretty normal, given what he does for a living.....
Ahh thanks, he was logged in when i starting reading the post.
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  #19  
Old November 24th, 2015, 06:27 PM
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Quote:
Originally Posted by JohnsD90 View Post
How did this pan out, who are you insured with, where in CT are you?
Uh oh. Did you get in a wreck too?
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  #20  
Old November 24th, 2015, 11:40 PM
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Quote:
Originally Posted by rijosho View Post
Uh oh. Did you get in a wreck too?
Nah, was revisiting the insurance threads using the search option, I was curious considering he is in the same state and this was fairly recent!
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