Insurance claims S13 $5500

[gtstwincam]

Do not leave your car sitting at a tow yard. The tow yard can liensale your vehicle and you can incur high storage charges. If not paid, you can get turned into collections.

Dont assume the insurance company is responsible for the storage. You have a duty to notify them where the car is so that they can at least make an attempt to recover it for you.

If the claim is under investigation to determine at fault, you need to get it out of a tow yard. Dont just let it sit there while the insurance is deciding at fault.

If they determine its your fault, you are screwed!

If they determine it is their insured's fault and if you have a $1000 storage bill and the car is still at the tow yard, the insurance co will pay for your car and "reasonable storage".

The car will be left at the yard and any excess is your responsibility.

Also, they will deduct addtl from your settlement. This is like you buying back your car because the insurance company was not allowed to recover it from the tow yard due to excessive storage charges.

Thus, you are forced to keep your own car and deal with the tow yard for the rest of the storage.

Just remember to have the car towed back home or to a storage free facility.

[axiomatik]

nice info, posi-rep for you.

[hellion240sx]

yeah thanks for being open to advice. Great info. Subscribed!

[babowc]

good info.
repped

[GoodOl'S13]

Thanks for the info, posi rep for you.

[exitspeed]

Interesting. Thanks for the tip. More big rep for you.

(newbs with red squares take notes).

[Andrew @ 240sxMotoring]

Definitely some good pointers!

[ESone3]

wow and adjuster that doesn't rip people off!

[iROYAL]

thank you, subscribed

[snappy]

A+, my buddy could've use this advice a year ago. Mega rep points for you.

[GSXRJJordan]

Definitely good advice. Problem with 240s and comprehensive/collision is that the premiums for a year are damn close to the value of a clean shell... and if you request additional coverage (for aftermarket parts) it skyrockets.

$5500 for a S13. Wow. I'm definitely going to remember that.

[Inland180]

good info but my car is still worth more than $5500 with all the upgrades on it. About $5500 is still alot better than $1500. Will consider that.

[Flipzide]

yea.. the guy shouldve bought it back.

i got into an accident shortly after receiving my stock 89 myself. anyway, it was totalled and i recieved about ~3300. re-registered under a salvaged title and repaired it with the remaining money after buying the car back. went from silver to white and zenki to chuki front. definately worth it, haha.

in my mind, i basically own a free s13 now. lol.

thanks for the tip, dude. i'll keep it in mind if something ever happens to another car of mine. +1.

[hayaimoto]

awesome info! Ill check with my insurance company tonite about my policy!

[projekt_s13]

I am a claims adjuster/supervisor for XXX insurance and also a fellow S13/S14 owner

I just totalled a very clean 1990 S13 the other day and paid $5500.00 to the guy.

He had the option to buy it back for $700.00.


What did the car have? Mods wise, cuz 5500 is alot for a zenki S13.

[O3DigitalBath]

yea lil more detail on how he got some much money for the car?

[gtstwincam]

good info but my car is still worth more than $5500 with all the upgrades on it. About $5500 is still alot better than $1500. Will consider that.


Dont take this personal and Im not trying to insult anyone..



but if you modify a ford pinto with suspension, engine mods, seats, etc etc...

its still a pinto.

If you upgrade a house, it will increase value.
If you upgrade a car.... you just wasted money.

You can put a $3,000.00 stereo system in a $500.00 car and your car will still be worth $500.00.

Now if you are talking about classic muscle cars or vintage cars, thats a different story.

[gtstwincam]

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[gtstwincam]

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[rainier]

what insurance company do you work for? so next time i needa renew, ill go to you guys lol

[gtstwincam]

what insurance company do you work for? so next time i needa renew, ill go to you guys lol

Secret.:nono:

[JaeTea]

I still can't see how someone gets $5500 for a 1990.

Did someone just pull that number out of the air?

Even with the "drift craze" you are talking about, that car is no where near worth that much.

[oneighty]

thanks for the advice

[gtstwincam]

I still can't see how someone gets $5500 for a 1990.

Did someone just pull that number out of the air?

Even with the "drift craze" you are talking about, that car is no where near worth that much.


I work for the second largest insurance company in the US and youre telling me I did not settle a claim for a 1990 240SX for $5500?

Are you saying Im lying?

What insurance do you have? Ill be glad to give you a low ball offer on your car.

I wont go into details on how or why it was $5500.

You obviously didnt read the previous posts about Fair market value.

Is it just me or is this guy a tourist?

Dont ask me for help with any claims you may have in the future.

Youre lucky you got to read this post. I can easily delete it.

[babowc]

very cool.
but then the fair market value would be completely different per region, right?

And.. all insurance companies use the FMV?

[gtstwincam]

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[projekt_s13]

What do you guys use to find the fair market value on the vehicle? Craigslist,autotrader,ect?

[gtstwincam]

if i keep posting, the insurance companies will lose $ and then your premiums will go up. hahha.

just pm me if you have any claim questions.

[gtstwincam]

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[Anto]

Wow, fantastic information. You're probably not even supposed to be telling us this.

Thanks

[extra-made garage]

Good stuff on the inside info

[gtstwincam]

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[hellion240sx]

"if A x B x C = X if X is less than a cost of a recall, we don't do one. "

anyone?

anyway reminded me of the movie. had to watch it again.

"what company you work for?" "A major one"

yeah looking back you added more useful info. thanks for more. also don't get in trouble for posting this info lol. actually, stop posting before my premium goes up!

[gtstwincam]

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[gtstwincam]

Also,

check your policies for the following

BIPD coverages. For example:

If you have 15/30/5.

The last # represents the coverages your insurance policy will pay for property damage.

So if you rearend a $100k mercedes benz and you total it, your insurance policy will pay $5,000 towards the damage of the mercedes, you have to pay the remaining $95,000.00

If you dont have it, the party you hit can sue you to recover that $95k.

If you are under your parents policy, they can sue your parents and go after assets.

Also, if you total such a $95k mercedes, you also likely injured the person, which will result in additional lawsuit.

It todays world, you need at least $50k since the majority of vehicles out there are around $30k minimum.

If you have assets or your parents have assets, you may want to increase your PD limits to $100k.

You can hit a $100k dollar car or cause a collision with combined vehicles, adding to $100k or more.

Something to think about.......

[GoodOl'S13]

"if A x B x C = X if X is less than a cost of a recall, we don't do one. "

anyone?

anyway reminded me of the movie. had to watch it again.

"what company you work for?" "A major one"

yeah looking back you added more useful info. thanks for more. also don't get in trouble for posting this info lol. actually, stop posting before my premium goes up!


That was the first thing that came to mind :bowrofl: :bowrofl:

[gtstwincam]

That was the first thing that came to mind :bowrofl: :bowrofl:


what movie? :aw:

[focused]

what movie? :aw:

fight club... good movie, and good info from you, thanks.

[GSXRJJordan]

...If you have assets or your parents have assets, you may want to increase your PD limits to $100k...

Something to think about.......

exactly.

Insurance isn't just about being able to register your car and not get a ticket when the officer asks for proof - it's about protecting your assets. At the very least, your job (if you have one) is an asset - if you total someone's car/hurt someone/etc, and don't have enough insurance to cover it, they'll usually just go for "policy", meaning they'll take however much your insurance will give.

If you go waaaay over policy, and have something worth taking (house, good job, etc), they'll sue to take it (make you sell your house, garnish your wages, etc).

This is why I make sure that my coverage is well above my yearly salary.

[gtstwincam]

Always carry a "disposable camera" in all of your cars.

A couple of bucks per camera can save you a migrain headache when battling the insurance company.

Photos of the accident scene, both vehicles can speak for itself.

Go buy your disposable cameras!

[hellion240sx]

Also,

check your policies for the following

BIPD coverages. For example:

If you have 15/30/5.

The last # represents the coverages your insurance policy will pay for property damage.

So if you rearend a $100k mercedes benz and you total it, your insurance policy will pay $5,000 towards the damage of the mercedes, you have to pay the remaining $95,000.00

If you dont have it, the party you hit can sue you to recover that $95k.

If you are under your parents policy, they can sue your parents and go after assets.

Also, if you total such a $95k mercedes, you also likely injured the person, which will result in additional lawsuit.

It todays world, you need at least $50k since the majority of vehicles out there are around $30k minimum.

If you have assets or your parents have assets, you may want to increase your PD limits to $100k.

You can hit a $100k dollar car or cause a collision with combined vehicles, adding to $100k or more.

Something to think about.......

so what are the 15/30 for? god thiss insurance thing is crazy! never knew that it was like that.

[gtstwincam]

maybe is should be STICKIED before it gets lost in the threads.

[snappy]

I believe the 15/30 covers you and any uninsured persons in the cars medically.

[JaeTea]

I work for the second largest insurance company in the US and youre telling me I did not settle a claim for a 1990 240SX for $5500?

Are you saying Im lying?


:keke: :keke:

Nope.

I'm just guessing the FMV in CA is totally wacked compared to the rest of the country, thats all.

Every single insurance claim I've ever heard about, the payment never made up for the money owed on the vehicle. The person always ended up paying out of pocket.

Thanks for all this info though...and maybe take a few days vacation.

[gtstwincam]

:keke: :keke:

Nope.

I'm just guessing the FMV in CA is totally wacked compared to the rest of the country, thats all.

Every single insurance claim I've ever heard about, the payment never made up for the money owed on the vehicle. The person always ended up paying out of pocket.

Thanks for all this info though...and maybe take a few days vacation.

Well, you are right. Ive seen some claims where we didnt pay the full amount owed for a vehicle.

For example.

We had a customer purchase a brand new $60,000.00+ BMW.

She totalled it 6 months later.

We paid off the vehicle (to the bank), which was $49,000.00+ FMV.

She still owed the bank the difference.

Remember that vehicles depreciate quickly!

Cars are not a good/wise investment.

Like E40 says, dont buy a $100,000 car before you buy a house.

[hellion240sx]

yes sticky this before it gets lost!

[freeman]

good info thanks

[DJ_Sunrise]

I hit myself in the head while working underneath my car.. I never know about this.. but even with my liability insurance they covered the $5k in emergency room costs. Don't ask what happened. It was bloody. :) Thanks for all the tips.. Everything you've mentioned will save more than a couple of us on here. Buying a disposable camera for tomarrow!

-Bart

[speed_racerx]

i know im really late on posting these pics

http://img.photobucket.com/albums/v287/speedracerzero/110_1757.jpg

http://img.photobucket.com/albums/v287/speedracerzero/110_1758.jpg
the dimple on the rear bumper cover was also from the accident.

http://img.photobucket.com/albums/v287/speedracerzero/110_1759.jpg

http://img.photobucket.com/albums/v287/speedracerzero/110_1760.jpg

http://img.photobucket.com/albums/v287/speedracerzero/110_1761.jpg
notice that part of the trunk is smashed in(near the rubber plug)

i was rear ended and her insurance wrote me a check for $674.

they estimated the vehicle while i wasn't around. so i think that the adjuster didnt see the damages that was done inside the trunk. on top of that my trunk wont open unless i have something holding up the lever. it wasnt like that before.

[gtstwincam]

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[LA_phantom_240]

Awesome info. Any idea what insurance would give me if my s13 'vert got rear ended?

[wingsnthangs]

Shouldn't Fair Market Value (FMV) be determined by how much it gets bought at, not how much it gets listed for? If FMV is what your car is worth to insurance companies, can't everyone just theoretically jack up their listing prices?

I guess you can get 3 friends with your same car to list their cars for a ridiculous amt of money, but that's going into fraud territory. Not that I would do it, but I cant imagine how you could get caught.

When insurance companies look at the FMV of a car, how do they determine the cost of modifications on comparable cars? For example, let's say I have a bone stock 93 240SX. I provide 3 listings of 93 240SX's with similar mileages they are all highly modified to determine the FMV of my car. Do insurance companies do research on the modifications to quanitify the value of them?

[gtstwincam]

bump for Falkon240

[blasting_speed]

Sweet sweet info. Thanks dude. +rep. Adding you to my buddy list.

[an_orange_s2k]

awesome information

[Kouki-Fiend]

Lots of good info on this , I am subscribing because when it comes to the whole insurance thing there are so many ins and outs. I learned a lot thanks for the info OP. +rep

[S13Boosts]

thank you, subscribed

same here +1:bigok:

[ichibans13.5]

tons of good info here - thanks for taking the time to write this up!

[sijia10358]

this is very useful information for people that doesn't anything about their insurance like me!!

[240love^_^]

Hmmm... good to know. Thanks for the advice!

[SinisterSntra91]

Not sure if this was covered as I didnt read through the entire thread, but keep all recipts on aftermarket parts, I just throw all mine in a binder in those plastic clear sleves you can buy. I had my sentra hit a couple times and the insurance company refused to pay to replace any aftermarket parts unless I had recipts to prove their worth. It also comes in handy for theft claims. Photo copy best buy and circuit city recipts as they fade to blank after awhile....

[gtstwincam]

sticky?.................

[gtstwincam]

take photos of your in case it ever gets stolen

4 corners, interior, engine, dash area, seats, stereo, vin, etc

save all receipts

if your car gets stolen, you need photo proof to show the cond of your car.

[FaLKoN240]

I've been referring people to this thread.

You really helped me out in the past, and I wanted to let people know where they can go for good reputable help.

[implayaz9]

Pmed u hoping to get some info about the adjuster field

[S13Boosts]

sticky?.................


+1 on that.

[drift_limo]

do you do services in vegas??
hehe ..

[DALAZ_68]

i wish this thread was around wen i got screwed over with my hatch...

any advice on how to handle medical issues, i nearly got raped by collectors due to the other guys insurance taking there time. lucky i caught it on time b4 it went on my credit record or worst...

[xpertsnowcarver]

(newbs with red squares take notes).

Lmao. The current newbs since it was removed won't take notes. Therefore, newbs that have been ridiculed for not searching or posting stupidity, take note. :p

[zenki.life]

god ive never thought of this before, fuckin scary. guess i know what im going to insure next time

[EricDET]

sticky?.................

+1 on the sticky... This thread has helped me quite a bit since my car was totalled last week.

[OBEEWON]

Sticky. I could have used this 3 times last fall...

[!Zar!]

I wish my car was totaled.

[Edgar]

Just subscribe to it, this is a pretty good thread though.

[gtstwincam]

If anyone has benefited from this thread... Id like to hear your stories.

Ive been very busy so i apologize for not getting to your PM's in time.

Here is another tip:

If you own a honda or 240sx, get COMPREHENSIVE coverage. Its not that much more $ on your premium and will save you a headache in case your car gets stolen.

[FaLKoN240]

Yeahhhhhhh I am STILL subscribed to this thread.

[ViciousCesar!]

<--subscribed... =D

[carnagexxxx]

I'm also in the insurance industry. I wanted to note one thing and that is that every state has different insurance laws. Hell, I'm technically not in a state, I'm in the Commonwealth of Pennsylvania. That's another story.

Anyway, the gentleman who originally posted put out some good information especially the vast majority of people here on Zilvia that live in Cali. The part that should be taken with a grain of salt is for the people who are located in other states.

Also to be noted, each insurance company has what they call "filings". These are exceptions or concessions that are agreed between the insurance company and the laws that are governed by the state.

Why am I mentioning this? I don't want people to be disappointed if something they read here doesn't apply to their situation. Insurance is a very dynamic creature. Most times claims have more to do with how nice the adjuster is (this is a bit of an over-statement but close to the point). Be nice to the adjuster, they are on your side (if you go through your insurance company). If you are dealing with someone who hit you, it may be difficult, but BE RESPECTFUL AND COURTEOUS. You shouldn't yell at the kid at Burger King (he's only giving you a whopper) so don't yell at someone who could be giving hundreds or even a few thousand dollars.

[gtstwincam]

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[hOngsterr]

damn interesting,
havent seen this thread in ages.

[gtstwincam]

Is this thread a sticky yet?

[zenki.life]

guess not. try to contact one of the admins though

[BLiTz]

Very good info... I have never fully understood how insurance works and this thread helped a lot.

One thing I will say is that in Florida insurance seems like a joke compared to how you make it sound in Cali, this is my favorite...

All vandalism losses are screened and looked at closely. A police report is normally required. If there are any reasons that a claim is questionable- you may be subject to a investigation. And these investigations are no joke. Get your story straight- we will catch you slipping

I know someone in FL who bought a Honda made one payment on it and wrecked it drunk into a fence of some kind and ditched it.
Next day reported it as stolen to insurance and never got ask anything about it.
I have heard of several different stores of people reporting false claims but that is by far the best (and worst most idiotic) example I know of.

I would expect a adjuster to be able to tell the difference in a vehicle that was stolen and wasn't, even after a wreck.

I just hope I never have to deal with that again. My second hatch that was my favorite and the most fun I have ever had got rear-ended and totaled. I got completely screwed from the part out and got around $1500 for the car I believe. So after buying back the car and parting out everything i just had enough to buy my stock S14 which I plan on having forever and not needing to make a claim. I will probably go to jail for beating whoever hits it to death before the cops get there so im gonna need a hefty insurance policy:trogdor:

[Bigsyke]

So is this how just 1 insurance company operates? Because Alot of insurance companies base their claims off the KBB, and it states it right in your paperwork. You can get all the exact details on exactly what happens in a specific event in your insurance providers paperwork, when they initially send out the 1st insurance cards.

[GSXRJJordan]

So is this how just 1 insurance company operates? Because Alot of insurance companies base their claims off the KBB, and it states it right in your paperwork. You can get all the exact details on exactly what happens in a specific event in your insurance providers paperwork, when they initially send out the 1st insurance cards.

Insurance companies pay claims based on market value in your area - this happens to be what the KBB is supposed to represent, but in our market especially, KBB and 'market value' can be very different.

I think one very important message in this thread is that every insurance company is different, and every state is different - I have had lots of different companies in many different states, and filed a few claims over the years... currently, I have an awesome insurance agent who I work with (PM me for his info, if you want) who can write for about 30 companies in CA (less in other states), and since each of those companies has many different products (read: plans), my options are plentiful.

Right now, I have a policy through Safeco Insurance, where my Datsun 510 is covered as a 'classic car', meaning I can only drive it 5999mi/yr, but it's insured at 'full market value' by an independent appraiser of my choice for pennies. Also cool is that any car insured with this plan (it's their 'VIP' plan or something, only good drivers may apply) is insured for all parts bolted/attached to the car... this means my carbon bodywork, wheels, suspension, seats, audio/etc and some engine parts (nothing illegal is covered, unfortunately) are all insured for no additional cost! With the receipts I have right now, my S14 has ~$11k in full coverage for the same price as I was paying for basic Lia/Comp with no accessory coverage before!

I'm excited by this.

[[w]hite[r]abbit[x]]

Very good advice. +1

[gtstwincam]

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[JRex]

Awesome info. Will defiantly keep this thread handy if I ever need it...although hopefully I don't.

[coww-cho!!!!!]

i already found about this stuff a few years back when i got in an accident in my camry and i was at fault. I did however get my full retail value of it and go the car back but as selfish i was i spent all the money on random shit and now that i need to repair my car for a salvage title i dont have the money laying around =(

but thanks for reminding me! need to sell more stuff to get it running again!

[upsdude]

i would have taken the $5500 instead of the car, but that's just me. oh and right now i'm in the middle of a hit and run case, the other party at fault...all i can say is-damn you adjusters take forever to pay out when it's your fault lol

[Long.]

Subscribed - thanks for giving us the inside scoop, OP!

[gtstwincam]

i would have taken the $5500 instead of the car, but that's just me. oh and right now i'm in the middle of a hit and run case, the other party at fault...all i can say is-damn you adjusters take forever to pay out when it's your fault lol


youre not the only one with a claim.... our phones ring off the hook and we are always on the road inspecting cars at shops, residences, etc.

We get back to you when we can.

:wiggle:

[180Sil]

Some other information:

5. If you were the victim of a collision loss and your vehicle was repaired at a shop for 5 days, you are entitled to 5 days of compensation for a rental car. The insurance company provides you a rental car for 5 days (fuel and damage waivers are not covered by insurance) or you can get the cash for the 5 days you didnt use a rental car.



I didn't know about this, extra $$$ to fix the car.

I'm claiming my neighbor's insurance for my front driver side damage. It happened while the car was parked at work in the parking lot, their ford pick up backed into my S13 with JDM Silvia conversion. So I'm claiming fender, corner light, bumper, paint and labor. Oh I also have the Origin Aggressive on the car that's molded to the car.

[sliksta1]

so my wifes car had hale damage. we made a claim and the car was in the body shop for 5 days being fixed. we didnt have a rental or any other transportation. and she didnt have retal car coverage in the event of an accident. do think its possible to still get compensated for not using a rental.

[gtstwincam]

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[sliksta1]

gotcha thanks for the info. awesome dude.

[gtstwincam]

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[DALAZ_68]

let me ask you this...if the party responsible is taking there sweet time and you already notified BBB, would you say there something fishy going on, EVEN WHEN, said party already took fault for said collision...but im talkin a good 3-5 months of very weak communication... would you say it be in my best interest to ask for more compensation, due to the liability of possibly loosing my job due to not having a car?

[!Zar!]

For those of you with

AAA roadside and towing coverage

AAA WILL NOT cover services for "MODIFIED" vehicles.

Lowered vehicles, body kits, etc etc etc will affect your coverage


My S14 was stranded on the road and I needed a tow to the nearby Nissan dealership.

I requested a flat bed because my car was lowered.

The straight out told me that there will be no coverage for modified vehicles.

I argued and spoke with a supervisor.. Got nowhere.

"modified is modified" and there is no coverage

Luckily, i used my GEICO roadside assistance.

Bottom line is:

DO NOT TELL AAA that your car is lowered, has rims, bodykits, etc.

Even if they don't know it's modified and they still come out with a flatbed, they will just turn around and refuse to pick you up.

[GSXRJJordan]

Even if they don't know it's modified and they still come out with a flatbed, they will just turn around and refuse to pick you up.

I tell them every time I've needed a tow that they need to bring a flatbed, and every time they show up the tow driver looks at me with a huge frown, and then sees me pop some zip ties/remove the bumper, and I tell him how to use the 2x4"s that they all carry to get it up there without ripping my intercooler off.

Never once had a problem, with any of my cars, or my Dad's Z06.

[sevenstar]

To the guy that posted about AAA not picking up the car because its modified I always request a flatbed because my car dealer said If its towed anyother way it can be hazardous because of the rear differential will lock in a turn, kind of an anti theft design. And if they are willing to pay for damages that occur when towing without a flatbed then I have no problem using one. They usually use a flatbed,

[!Zar!]

I tell them every time I've needed a tow that they need to bring a flatbed, and every time they show up the tow driver looks at me with a huge frown, and then sees me pop some zip ties/remove the bumper, and I tell him how to use the 2x4"s that they all carry to get it up there without ripping my intercooler off.

Never once had a problem, with any of my cars, or my Dad's Z06.
A z06 isn't high to begin with. AAA has a list of car's that they will automatically send a flatbed out for.


To the guy that posted about AAA not picking up the car because its modified I always request a flatbed because my car dealer said If its towed anyother way it can be hazardous because of the rear differential will lock in a turn, kind of an anti theft design. And if they are willing to pay for damages that occur when towing without a flatbed then I have no problem using one. They usually use a flatbed,

PERSONALLY, I don't use AAA, so any time I need a tow I'll request a flatbed. One time I even loaded it myself.

But there was one time Falkon240 and I were driving around and his car required a tow. Of course we requested a flatbed. They asked about the car and what not. Everything was cool. She had a truck come out to us. Next thing you know the flatbed comes as well as a standard tow truck. The guy said that they refuse to tow his car because it was too low/flush and against AAA rules or whatever. Then he proceeded to tell us to call AAA back. We called and indeed, they refused to tow the car.

So here we are, at 3am in the tenderloin with a broken down car and multiple "backyard mechanics" insisting on helping us fix the car.

About another hour and a half wait and AAA agrees to help us find a tow truck but it wouldn't be covered with the policy. I think they charged him like $350? or something to tow it.

[MadWorld]

Why do Californians think 240s are worth so much?

Let me get this straight. The car was t-boned by a SUV and flipped on it's side and the SUV gave it enough inertia to slide 10 feet across the asphalt.

This doesn't sound like something that could easily be repaired by bonding and painting the car. It sounds like the frame was bent in the accident and it wouldn't be worth repairing.

You think he could have gutted the car, left it as is with a bent frame, and sold it for 2,000? THAT'S ASININE!

I can get a 1990 240sx running and very clean for 1,400 any day of the week. here in Florida

[Mr. Goodkat]

Thanks for the advice. I totaled my zenki s14 4 years ago. The only damage that it received was blown air bags and 4 blown wheels after I ran up the median on the center divider. My insurance only gave me $3,500 for it when I paid a lot more than that. I did buy it back, however, parted it out and sold the shell.

[dawagarage]

my insurance company friends,
ive always wondered... if someone crashes as the reult of hydro-planing,
is that person @ fault for the damages incurred to their car?

[1five10]

Usually single vehicle accidents are determined to be the fault of that driver. The insurance company will argue that you were going faster than the road conditions allowed.

[dawagarage]

Usually single vehicle accidents are determined to be the fault of that driver. The insurance company will argue that you were going faster than the road conditions allowed.

what about accidents involving animals, such as deer. i understand the whole 'if you see an animal dont swerve, just hit it.' but what if you DO swerve thus going off the road resulting in damages

[1five10]

SINGLE VEHICLE ACCIDENT is always the fault of the driver. If you hit the animal, your comprehensive collision coverage will take care of it. Otherwise, you are SOL....

My brother is a litigator for a major insurance company. I had to ask him about the animal thing. He also said that the insurance company might rule in your favor if you could get the animal to "speak" on your behalf. lol

[dawagarage]

SINGLE VEHICLE ACCIDENT is always the fault of the driver. If you hit the animal, your comprehensive collision coverage will take care of it. Otherwise, you are SOL....

My brother is a litigator for a major insurance company. I had to ask him about the animal thing. He also said that the insurance company might rule in your favor if you could get the animal to "speak" on your behalf. lol

thanks for the information. i can understand how i would be @ fault, i guess what i meant to say was "will the insurance company cover the cost." & pretty much youre saying that for animal involvement & the hydro planing that yes GENERALLY (not absolutely, i understand) the company will cover the costs if you have comprehensive? thanks thanks

[Bigsyke]

I found it funny my 90k S14 would only return me ~2,200 if totaled. My 120k mint 2000 civic would return me ~3,500 if totaled/stolen. Where is this $5500 for an S13 comming from? I have found No insurance company that will pay me above blue book value for my cars. My insurance company is USAA from texas, Ive also contacted Progressive and state farm.

They will pay no more than 10% past bluebook private party value. If I still owe more than 10% past, and the car is stolen/totaled, I will owe the insurance company the remaining amount.

Ive asked about "market" value, and nobody has heard of such non-sense.

[gtstwincam]

Why do Californians think 240s are worth so much?

Let me get this straight. The car was t-boned by a SUV and flipped on it's side and the SUV gave it enough inertia to slide 10 feet across the asphalt.

This doesn't sound like something that could easily be repaired by bonding and painting the car. It sounds like the frame was bent in the accident and it wouldn't be worth repairing.

You think he could have gutted the car, left it as is with a bent frame, and sold it for 2,000? THAT'S ASININE!

I can get a 1990 240sx running and very clean for 1,400 any day of the week. here in Florida


Let me get this straight, you work in the ins industry or bodyshop Or do this for a living like me and you know what YOUR talking about?????

[donabeast]

Just thought i would add my littl story
so i parked my car on a street behind my work came out for lunch and some one had backed up into it but left a name and # called his insurance they came out looked at my car about a week later they offered me some money on a friday i said let me try to find some recipets to get me some more money called them back monday decided not to give them recipets took the money and ran i ended up with 6k after i bought the car back for 125 bucks and ive already ordered up all the upgraded parts to fix the damage and have only spent just under 1k here are some befor and after
240 :: Picture005.jpg picture by donabeast - Photobucket (http://s26.photobucket.com/albums/c121/donabeast/240/?action=view&current=Picture005.jpg)
240 :: Picture007.jpg picture by donabeast - Photobucket (http://s26.photobucket.com/albums/c121/donabeast/240/?action=view&current=Picture007.jpg)

[Bigsyke]

Just thought i would add my littl story
so i parked my car on a street behind my work came out for lunch and some one had backed up into it but left a name and # called his insurance they came out looked at my car about a week later they offered me some money on a friday i said let me try to find some recipets to get me some more money called them back monday decided not to give them recipets took the money and ran i ended up with 6k after i bought the car back for 125 bucks and ive already ordered up all the upgraded parts to fix the damage and have only spent just under 1k here are some befor and after
240 :: Picture005.jpg picture by donabeast - Photobucket (http://s26.photobucket.com/albums/c121/donabeast/240/?action=view&current=Picture005.jpg)
240 :: Picture007.jpg picture by donabeast - Photobucket (http://s26.photobucket.com/albums/c121/donabeast/240/?action=view&current=Picture007.jpg)


Thats a pure lie, show us some receipts or documents showing us you got 6k for that. Impossible.

The bluebook isnt even near 6k

[1five10]

I found it funny my 90k S14 would only return me ~2,200 if totaled. My 120k mint 2000 civic would return me ~3,500 if totaled/stolen. Where is this $5500 for an S13 comming from? I have found No insurance company that will pay me above blue book value for my cars. My insurance company is USAA from texas, I've also contacted Progressive and state farm.

They will pay no more than 10% past bluebook private party value. If I still owe more than 10% past, and the car is stolen/totaled, I will owe the insurance company the remaining amount.

Ive asked about "market" value, and nobody has heard of such non-sense.

You need to research it some more....Bluebook on my 1973 Datsun 510 is probably less than $300. Do you think I would accept $330 for it...HELL NO.

There is such thing as "fair market value." It's the price that someone is willing to pay for your car that is similar in condition. It's a comparative value within a certain distance from your location.

For example, if you put on new rims and tires worth $3000, the value of your car doesn't go up $3000. You need to take into consideration usage and the depreciated value of it. The insurance company would probably tell you to keep the rims instead.

[I LUV MY S13]

if not in your plan, does insurance cover parts you add on?

ex: coilovers, flywheel, clutch etc.

[donabeast]

Thats a pure lie, show us some receipts or documents showing us you got 6k for that. Impossible.

The bluebook isnt even near 6k

WELL SIR, you can go eff yourself for calling me a liar. the only thing in writing i had was the check and that has already been put in the bank but i realy dont care if you believe me or not because it has no efect on me OR all the extra money i have from it

[GSXRJJordan]

You need to research it some more....Bluebook on my 1973 Datsun 510 is probably less than $300. Do you think I would accept $330 for it...HELL NO.

There is such thing as "fair market value." It's the price that someone is willing to pay for your car that is similar in condition. It's a comparative value within a certain distance from your location.

For example, if you put on new rims and tires worth $3000, the value of your car doesn't go up $3000. You need to take into consideration usage and the depreciated value of it. The insurance company would probably tell you to keep the rims instead.

This is almost entirely accurate ~ it varies policy by policy, but most carriers will cover aftermarket parts that are bolted to the car or locked inside the car. This covers suspension, body mods, labor, and stereos/etc.

My S14 was recently in an accident, and without going into too much detail, they paid my entire 'declared value' for the car that I gave when I started the policy. There was no additional premium (my rates were the same as a stock 240), but when it came to claim time, I ponied up with receipts that totaled more than my declared value and they paid out.

If my wheels were damaged, they would have paid for those too unless it was above my declared value, in which case I'd keep them anyway since I bought it back from them (it was towed home after the accident and never left my garage).

[gtstwincam]

I hardly visit this site unless somebdy replies to this post i subscribed to... For all of those that benefited from the info i posted- your welcome...

For those that dont get it or think they know the industry you guys are idiots

[FaLKoN240]

Just thought i would add my littl story
so i parked my car on a street behind my work came out for lunch and some one had backed up into it but left a name and # called his insurance they came out looked at my car about a week later they offered me some money on a friday i said let me try to find some recipets to get me some more money called them back monday decided not to give them recipets took the money and ran i ended up with 6k after i bought the car back for 125 bucks and ive already ordered up all the upgraded parts to fix the damage and have only spent just under 1k here are some befor and after
240 :: Picture005.jpg picture by donabeast - Photobucket (http://s26.photobucket.com/albums/c121/donabeast/240/?action=view&current=Picture005.jpg)
240 :: Picture007.jpg picture by donabeast - Photobucket (http://s26.photobucket.com/albums/c121/donabeast/240/?action=view&current=Picture007.jpg)

Please use some of that money to go to school and learn how to PUNCTUATE what you write.

Thank you.

[gtstwincam]

what about accidents involving animals, such as deer. i understand the whole 'if you see an animal dont swerve, just hit it.' but what if you DO swerve thus going off the road resulting in damages

if you swerve and crash- your at fault for losing control of your vehicle

[widebodyseven]

Just wanted to share, my brother in law got in to a really bad accident which totaled his car(S13) he called AAA and ask for a flat bed they came and had no problem with it be modified.

Also he's getting almost 5 grand from all this.

[dawagarage]

if you swerve and crash- your at fault for losing control of your vehicle

i completely understand that, & thank you. but my question is, who has to pay for it (assuming i have 'collision' coverage,) me or the insurance company?

[!Zar!]

The reason you have insurance is to pay for things like that.

If you only have liability, then your insurance will pay for the property damage. The damage to your car is left to you to deal with.

[initial_jc]

thanks for the info

[Touge_Monster]

If anyone could help me that would be great. I was just rearended in my car while I was sitting at a red light. THe man hit me doing 40+mph and pushed me into the intersection. The police did not write a report but said there should be no issue with having him be at fault. I also have some issues though. Due to this accident I have back and neck pain, I had to drop a class from school due to lack of transportation and I had to take work off. How do I make sure that I get compensated enough for my car and all of the other issues I am having? Thanks for any help.

Before
http://i49.photobucket.com/albums/f262/touge_army/IMG_5121.jpg

after
http://i49.photobucket.com/albums/f262/touge_army/IMG_5128.jpg

[1five10]

You can get compensated for bodily injury as long as you can prove medical necessity.

Why did you have to drop out of school? A car rental or borrowing a car is also compensible. You can't drop out of school and blame it on the accident if they were other means available...

Missing work is also compensible as long as it is documented. Did you seek medical attention? Or did you just decide to take time off on your own?

Do you coverage? Does the other party have coverage?

PM me...

[beb]

Also,

check your policies for the following

BIPD coverages. For example:

If you have 15/30/5.

The last # represents the coverages your insurance policy will pay for property damage.

So if you rearend a $100k mercedes benz and you total it, your insurance policy will pay $5,000 towards the damage of the mercedes, you have to pay the remaining $95,000.00

If you dont have it, the party you hit can sue you to recover that $95k.

If you are under your parents policy, they can sue your parents and go after assets.

Also, if you total such a $95k mercedes, you also likely injured the person, which will result in additional lawsuit.

It todays world, you need at least $50k since the majority of vehicles out there are around $30k minimum.

If you have assets or your parents have assets, you may want to increase your PD limits to $100k.

You can hit a $100k dollar car or cause a collision with combined vehicles, adding to $100k or more.

Something to think about.......



THANK YOU SO MUCH for your posts. I was an exclusive agent with Farmers and Allstate and still sell a couple policies here and there through a brokerage... But you cant imagine how hard it is to tell people they need higher than the state minimum in regards to coverage! As an ins agent, people automatically think Im trying to rip them off! But yes, if you lightly 'tap' the rear of any NEW vehicle, the MINIMUM damage youve caused will likely be a few grand to 10 g's dependent on what kind of car. If you keep the state min of 5g's, the chances of paying out of pocket are great!

Please please review all your policies and 'up' your coverage if you need to! Also, shop around for quotes, People who just add onto their families policies because their family has been insured with a certain agent for years doesnt mean they are your friends lol - Agents get payed based on your premium (higher premium, higher pay!)...

[stk240sx]

what is the compensation for bodily injury? thanks

[1five10]

Bodily injury is the "pain and suffering" component of the case. Compensation depends on numerous variables that insurance companies use to determine the value of each case. Back in the days, they would just triple the amount of your medical bills.....Those days are long gone.....

[gtstwincam]

Man i sign on to this site and my inbox is full of PMs from 2-3 months ago! Sorry i couldnt help u with your insurance problems...

Just call or text...707-653-5020 and ill get back to u faster..

[gtstwincam]

Man i sign on to this site and my inbox is full of PMs from 2-3 months ago! Sorry i couldnt help u with your insurance problems...

Just call or text...707-653-5020 and ill get back to u faster..

[kalypso123]

there goes my question :-/

[GabeS14]

if not in your plan, does insurance cover parts you add on?
ex: coilovers, flywheel, clutch etc.Keep your receipts, and make sure your insurance adds them at the beginning, not after the accident happens

You can get compensated for bodily injury as long as you can prove medical necessity.
Why did you have to drop out of school? A car rental or borrowing a car is also compensible. You can't drop out of school and blame it on the accident if they were other means available...


its possible, I almost dropped out of school because of my accident a month ago,
because of my location, if i take public transportation to school, it takes 5 busses and 1 metro ride to get there, and the same back ...by car it takes only 20 minutes..(wtf right)
because of my work schedle i barely had 1 hr before school started..luckily i got a loan from a friend to buy a checp daily driver..my school only allows 3 days of consecutive missed class days before suspending you..


Listen to what GSXR Jordan said guys..thats really good advice.. make sure upon getting insurance you make the insurance co add all the parts you have on the vehicle, and save your receipts...(SAVE YOUR RECEIPTS) and take pictures of the parts installed, best way to guarantee your money back..
if your insurance wont do it..then its time to change insurance co.
The best company for insuring aftermarket and heavily modified cars is HAGERTY
Hagerty - Collector Car and Boat Insurance (http://www.hagerty.com/index.aspx)
just got a quote from them for insuring my s14 for 75,000 bucks value for only 1600 a year..$100 deductible

thats like 130 bucks a month..nothing..

by the way I am going through the process of sueing a lady for 65k worth of mods and parts and labor that were totalled on my car last month..Ill keep you all posted on how that goes.
of course also sueing for injuries/ptsd and other costs..

[Touge_Monster]

I guess I could update this too. I am also waiting for bodily injury settlement. I am unable to settle because I still have 2 chiropracter appointments a week 2 months after the accident.

But the money I got for my car was shit. I had over $2000 worth of reciepts and it only added on an additional 800 of value to my car. They would also not pay for things I did not have reciepts for (like my kouki lights) that were obviously broken after the accident. I understand that this is partially my fault but if you dont want to get screwed take there advice^^^^

The insurance company has been HORRIBLE. They do not contact each other or me. You have to keep calling and calling to get them to do ANYTHING. I had to threaten to get a layer to get them to give me a rental (Which took over 2 weeks to happen). They also will try to screw you as much as possible. This has been a complete nightmare.

The guy who hit me and I both have WAWANESA. THEY HAVE BEEN THE WORST INSURANCE COMPANY I HAVE EVER HAD TO DEAL WITH! I am changing my coverage after the year that has already been paid for ends.

[GabeS14]

I guess I could update this too. I am also waiting for bodily injury settlement. I am unable to settle because I still have 2 chiropracter appointments a week 2 months after the accident.

But the money I got for my car was shit. I had over $2000 worth of reciepts and it only added on an additional 800 of value to my car. They would also not pay for things I did not have reciepts for (like my kouki lights) that were obviously broken after the accident. I understand that this is partially my fault but if you dont want to get screwed take there advice^^^^


dude, you need to get a lawyer..trust me it wont cost you a thing..there are a million lawyers that will go to court for you,...you only pay them 1/3 of the winnings if you win, if you loose you dont pay a thing..
they will make sure to get a lot of money because they know their pay depends on it..
itll take an extra month or so but they will get you back way more than any insurance settlement will..
you can also get your parts upraised even after the accident and if you have a lawyer he will get you money for that too..
just go to the yellow pages and look up big lawyers offices..
they always go to court..
if you leave it up to insurance they will always pay the least possible..

[Unknown007]

You from the valley jo?Hit me up bro.925 497 4677 and thanks for this I got a few questions too bro thanks.

[FaLKoN240]

He posted up his number.

YOU CALL HIM. He doesn't come on here that much.

[Unknown007]

Na I can wait.=D

[FaLKoN240]

I guess I could update this too. I am also waiting for bodily injury settlement. I am unable to settle because I still have 2 chiropracter appointments a week 2 months after the accident.

But the money I got for my car was shit. I had over $2000 worth of reciepts and it only added on an additional 800 of value to my car. They would also not pay for things I did not have reciepts for (like my kouki lights) that were obviously broken after the accident. I understand that this is partially my fault but if you dont want to get screwed take there advice^^^^

The insurance company has been HORRIBLE. They do not contact each other or me. You have to keep calling and calling to get them to do ANYTHING. I had to threaten to get a layer to get them to give me a rental (Which took over 2 weeks to happen). They also will try to screw you as much as possible. This has been a complete nightmare.

The guy who hit me and I both have WAWANESA. THEY HAVE BEEN THE WORST INSURANCE COMPANY I HAVE EVER HAD TO DEAL WITH! I am changing my coverage after the year that has already been paid for ends.

I got $4200 for my car and I had about the same amount in receipts.

You need to get cars with similar mods and value and give them examples.

Make sure they're 50 miles within your area and show them you cannot replace your car of equal value with the small amount they gave you.

I had to do a lot of footwork myself to get the settlement I wanted.

Na I can wait.=D

He's never going to call you then.

EDIT:

Just realized I'm talking to an idiot from norcal240sx no wonder nothing will ever happen.

[Unknown007]

Lol and your an idiot from Norcaldrift so what difference does it make?

I hope to see you at meet one day!!!

Oh yeah I never said call so think what you want.Later man I know you love me that much but damn.

Stay on topic now.

[Touge_Monster]

[quote=FaLKoN240;3375193]I got $4200 for my car and I had about the same amount in receipts.

You need to get cars with similar mods and value and give them examples.

Make sure they're 50 miles within your area and show them you cannot replace your car of equal value with the small amount they gave you.

I had to do a lot of footwork myself to get the settlement I wanted.

quote]

I had it all ready when the adjuster came but they wouldnt take it or even look at it. They were not even going to take my reciepts they just kept saying, "We will figure out the modifications from looking at the pictures".

I finally got them to take my reciepts but some how when they called with the first offer (Which I refused) they said that they "forgot" to add on the value of the reciepts.

Like I said I HATE WAWANESA ha ha

[stk240sx]

my medical bill is $900. how much should i ask for?

[GabeS14]

I finally got them to take my reciepts but some how when they called with the first offer (Which I refused) they said that they "forgot" to add on the value of the reciepts.Like I said I HATE WAWANESA ha ha
I would call the customer service line, and ask for the adjusters boss, ask for the manager of that department, leave him a voice message and explain the problems you are having regarding communication and attention to important details like receipts and paperwork..., these guys hate being bothered with customer complaints so they will get on their adjusters asses..trust me.. hell get on it immediatley

[mrflip69]

my medical bill is $900. how much should i ask for?

Just a thought. $900?

:rimshot:

[!Zar!]

When it comes to ethics regarding insurance, people seem to throw it out the window.

[FaLKoN240]

When it comes to ethics regarding insurance, people seem to throw it out the window.

FREE MONEY DAWG!!!

Gotta get to that FREEKNIK.

[gtstwincam]

so i hear an s13 owner got $10k + for his settlement.

[handinpants]

The guy who started this thread saved my ass, super duper helpful person, I would love to nominate him for a zilvia service award, thanks to his advice my insurance paid me $10500 for my s13

[gtstwincam]

Glad you got paid!!!

Sorry cant help you all - super busy at work!

[handinpants]

get your car appraised from these guys in la called blast from the past appraisals, they appraised my g ride for $10500, and that was when it was totaled.... insurance saw the reciepts and said hell no, they had it appraised by them and then insurance coughed up the dough

oh and for everyone in the future, when you get into an accident, and its the other guy's fault, call the police, say you ARE injured, that way they have to take a police report. they will send an ambulance but you do not have to get into the damn ambulance, secondly get a slip and fall lawyer, it pays off

[Touge_Monster]

oh and for everyone in the future, when you get into an accident, and its the other guy's fault, call the police, say you ARE injured, that way they have to take a police report. they will send an ambulance but you do not have to get into the damn ambulance, secondly get a slip and fall lawyer, it pays off


DO THIS unless you will just get screwed just like I did

[airhead]

i have all my reciepts it adds to almost 8k so does that mean i will be getting about that amount back if i get into a accident?

[DALAZ_68]

When it comes to ethics regarding insurance, people seem to throw it out the window.

lol...so true...

im happy i got enough to fix my car, got my weeks worth of missed work payed due to injury...im happy...

[singlecamslam]

Bumping old thread cause i had a situation. So can you really say "i'm injured, bring the cops" for a police report? Wont they see that you're not and harass you?

[Touge_Monster]

Zar!- The only reason I get pissed is because in both my cases my cars were totaled. Insurance would not cover enought for me to get back to where I was before the accident. In every case it has cost ME money for other people mistakes. My rates are also higher due to two accidents where people ran red lights and hit me. That is just me though




i have all my reciepts it adds to almost 8k so does that mean i will be getting about that amount back if i get into a accident?

Most likely NO. My insurance took aroud 4000 worth or reciepts and it only added another 1000 to the value of my car.


Bumping old thread cause i had a situation. So can you really say "i'm injured, bring the cops" for a police report? Wont they see that you're not and harass you?

MAybe if you decide to go in the ambulance? I would def do what ever it takes to get a police report if there is no one admitting fault.


p.s. I spell like a dick head

[theboy]

police report makes your case that much easier to win, and whether your injured or not, paramedics will call it shock trama. aka it scared you now everything seems like it hurts. So your going to win and they cant call it false

[GenPac]

Unfortunate I wasn't around to see all the deleted entries from Gtstwincam, but very useful information in this thread. Resurrection!

[Touge_Monster]

Bumping this thread again maybe someone can answer my question...

When repaying your insurance company for the medical bills they paid for before you settled with the other persons insurance company, do they usually send a bill for the whole sum at once or do they reaquire the amount though payments?

Any help would be much appreciated

[racebread240sx]

Added story for the group

3/18/14 on my way to work in my VH swapped 240, going speed limit, lights on. Lady in a crv pulls out in front of me, and totals my car. Police and ambulance show up. I end up with multiple scrapes, bruises, strains and sprains. I turned down the ride. My wife took me straight to the er. Spent 7 hrs with X-rays, ct scans and blood work. Medical stuff I'll probably let the lawyer handle. Car stuff I'm all over.

Statefarm is co for both drivers. They offered me $3k for my total lose. I told them that wouldn't cut it. I am a Mercedes tech and did my own work so no receipts for labor. I did all the leg work to make a spread sheet with parts and receipts for the things that I paid cash for. Totaling over $19k. Many of the parts I traded labor for, so again no receipts. They sent an outside appraisal service. 2hrs away from work, tons of pics, links to build threads and they come up with $6900 cash value days later. I again turned this down. Now have to wait for my appraiser next Monday. Now understand I don't expect $19k for my old 240, but I do expect to come out with something closer to my cars value.

Here's a before and after for ya.

6917769178

[FaLKoN240]

Ugh that's so sad. I would take that 6.9 and just swap everything over. That's a pretty good deal.

[racebread240sx]

Drivetrain was pushed back 3". I'm a bit skeptical on it being good still. Not to mention driveshaft, headers etc

[FaLKoN240]

Do you have all solid mounts? I've gotten into accidents and ripped the rubber bushings for the motor and tranny.

[racebread240sx]

Rubber mounts

[babowc]

They're not going to give you anywhere close to $19k. 6.9 isn't bad, but since they're obliging, you could probably squeeze a bit more.

Tell me what all you have in parts to make that car worth $19k?
MSRP on parts? Labor?

[fliprayzin240sx]

$19K in parts? Did you add up gas and oil change too?

[90S13hatch_tony]

Subscribed!!!

[racebread240sx]

Parts and labor for the complete car. Adds up quickly. Please read the entire post before commenting also. I'm not expecting anywhere near that.

Dealership cost for Infinity to remove/overhaul/reinstall a vh45 in a 94 q45 is 5200.00 in parts and labor (38.2 hrs per all data).

[babowc]

lol.. you expect something closer to your "car's value" as determined by yourself.
Seriously, consider your labor a loss. Just because you're a Mercedes tech does not mean you can bill the hours you put into the car.
I will guesstimate that once the labor is factored out, your car's value will drop significantly.

[racebread240sx]

Look this isn't a pissing contest of what you think my car is worth vs what I think. I simply added up the cost to recreate my car exactly. I did all of this in the attempt to get as close to that value as possible. I totally understand that this is going to end in me loosing money/time. Just sharing my experience

[fliprayzin240sx]

Parts and labor for the complete car. Adds up quickly. Please read the entire post before commenting also. I'm not expecting anywhere near that.

Dealership cost for Infinity to remove/overhaul/reinstall a vh45 in a 94 q45 is 5200.00 in parts and labor (38.2 hrs per all data).

Who gives a fuck what the dealership charges...you really think anybody other than you cares about what the stealership charges?

You know what, I'll bite...please enlighten us on how much YOU think your insurance owes you on this almost 25 yr old chassis.

Mind you, I went thru this shit with my S14 a year ago. I had $3200 worth of damage according to my insurance adjuster but lucked out she didn't total my car since she hooked me up with the appraisal.

[FaLKoN240]

I'm not in here to troll on this dude, but seriously total up the total of your parts. Labor is not something you can factor in, given you don't have any receipts for the parts. 6.9k for a car that's almost 20 years old is pretty good.

I got $4200 for mine, and all it had was bolt ons.

[Trap Star]

Lots of sketchy people around here. Claiming to be injured if you aren't is not only a dick move its also fraud. As a result we all pay more for insurance. Not to mention your uninjured ass just pulled an ambulance away from someone who actually needs it. Fast response times really do save lives and 30sec can be the difference between life and death. So do everybody a favor, don't be a douchebag.

Now for the non-soapbox part.

Who do you guys have your insurance with? Most of the companies I talked to told me I needed modified/collector car insurance if I wanted to get coverage for anything over the value of a stock s13.

[lude4life13]

Lots of sketchy people around here. Claiming to be injured if you aren't is not only a dick move its also fraud. As a result we all pay more for insurance. Not to mention your uninjured ass just pulled an ambulance away from someone who actually needs it. Fast response times really do save lives and 30sec can be the difference between life and death. So do everybody a favor, don't be a douchebag.

Now for the non-soapbox part.

Who do you guys have your insurance with? Most of the companies I talked to told me I needed modified/collector car insurance if I wanted to get coverage for anything over the value of a stock s13.


State Farm. If my 240 gets stolen/totaled i'll have an $8,000 check waiting for me. All you need to do is communicate what you have in your car, and what you want your coverage over it to be. I put together an appraisal package myself and that was all they needed. Of course I pay more than I would if I had not made that communication, but that's part of having additional coverage.

I do think I will switch to haggerty insurance soon though, simply because i don't daily the 240 anymore, so I could pay a lot less than for the same coverage with them.

[Tempo]

I'm not in here to troll on this dude, but seriously total up the total of your parts. Labor is not something you can factor in, given you don't have any receipts for the parts. 6.9k for a car that's almost 20 years old is pretty good.

I got $4200 for mine, and all it had was bolt ons.

+1 I ended up getting $5,100 for my S14 in total from insurance and i still kept it ^_^

[babowc]

I agree on the ambulance part, but claiming injury is never a douchebag move. Look at the statistics for injury after a wreck. The person would feel the effects days later. It's why we pay for insurance, so stop being a baby about people using what they're paying for.

Everyone has med pay, cash in on that. Save the ambulance for something serious. Have the officer write up a report, unless it's in a parking lot, they will write a report if you state even the slightest neck pain.

People using what they're paying for is not a douchebag move.

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[Trap Star]

I agree on the ambulance part, but claiming injury is never a douchebag move. Look at the statistics for injury after a wreck. The person would feel the effects days later. It's why we pay for insurance, so stop being a baby about people using what they're paying for.

Everyone has med pay, cash in on that. Save the ambulance for something serious. Have the officer write up a report, unless it's in a parking lot, they will write a report if you state even the slightest neck pain.

People using what they're paying for is not a douchebag move.

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If you are legitimately injured you should fight for every penny. I have absolutely no problem with that, it's the reason you have personal injury coverage. If you're not injured you shouldn't claim to be. Theres this thing called being a decent person and its a pretty basic concept, you know, to not lie out your ass for your own personal gain. As long as you have a report you can still claim an injury a few days later if you start to feel it. One of my best friends is an attorney and deals with this kind of thing all the time so I have heard quite a bit about these situations from him.

I have never been in an accident where the police have NOT written a report. If you ask them to they will, no fake injuries necessary. Even when a deer ran into my car (it actually ran into the side of the car, I didn't hit it) I called the police and they were happy to write up a report so I could file a claim.

Dont be a money grabbing piece of shit. We all end up paying for it.

By the way, all of you posting this fake injury shit better hope the next time you get hit the insurance company's attorneys don't find these posts. Lawyers do look for this type of shit. If they do see it you're going to have a real hard time filing an injury claim or any claim for that matter. They tend to frown upon insurance fraud.

[fliprayzin240sx]

^^^Kicker is, every state/city is now different. Out there in GA, cops are probably still obligated to show up on site and do a police report. In CA, that's not the case. You have to go to the police station to do a police report for non-injury car accidents.