Accident

[Alpha D]

I strongly am leaning towards the car going to Subaru...if this can of worms gets figured out tomorrow morning, I will call my insurance agency and if all pans out...taking into considerations the good ol "Beggars cant choose" mentality... ill take what is given to replace what was lost as far as the physical damage goes. If there is some flexibility i would like some OEM upgrades available through Subaru. Anyways for now i just need it all figured out and the vehicle absolutely needs to have OEM QUALITY PARTS no knock off garbage ect

I want to figure out whether to have my insurance estimator come out, or whether to take the vehicle in for the estimation and then provide my insurance company with the max estimate. I just do not want them to make me pick from a list of CHEAP HAND ME DOWN SHOP nonsense if that makes sense? That is the only reason why i asked for some advice from some of the more experienced individuals on the forum thats all...

[carltalon]

You don't need to call the police and file a report. IF you had called the police they would have told you to do exactly what you did. But you should definitly call your insurance company and get them on board. They will do everything they can to get the other drivers company to foot the bill. If you have a witness and the other driver admited guilt You shouldn't have to pay for any damages. As stated above. you can take the car to anywhere you like for repair and they will cut you a check. I always fix the car myself and pocket the extra money for go fast parts.

[AwdGSX13]

Here is the deal, you have the other parties insurance info - call them and start a claim on his policy and explain what happen ect. ect. they will call him and get his side of the story/accident. 9/10 times this is not a big deal, not everyone out there is an asshole. If it was me, i would try and not get my own insurance involved unless it came down to it. but thats just me. Let me know what insurance company he has and if you want i would be glad to help you. As far as the parts on the car - they owe you for what you have. Not a big deal to get the same parts replaced. You just need to provide the info of where you got them and brand and whatever else. MN law states that insurance companies can not use non - oem( i dont mean a/m perf. parts but orig. body parts) parts on your car without your consent, if they do this then they are breaking the law.

Many insurance companies like to send out appraisers to look at your vehicle first which is fine, they will cut you a check most likely and then you can bring it wherever you want. If the bill is more at the shop they can supplement the insurance company for additional costs if deemed related. More often than not accidents are really not that big of a deal in the end.

Also when that insurance company takes responsibility for the damages, they will cover the cost of a rental vehicle while it is in for repairs.

I am an estimator for a body shop and if you need any help with this i would be glad to give you a hand.

[Alpha D]

Thanks a ton Matt!

[AwdGSX13]

Yeah, no problem. Let me know if you need anymore help. Progressive is a good company to deal with imo.

[Alpha D]

You don't need to call the police and file a report. IF you had called the police they would have told you to do exactly what you did. But you should definitly call your insurance company and get them on board. They will do everything they can to get the other drivers company to foot the bill. If you have a witness and the other driver admited guilt You shouldn't have to pay for any damages. As stated above. you can take the car to anywhere you like for repair and they will cut you a check. I always fix the car myself and pocket the extra money for go fast parts.


I feel ya on that one bro go fast parts. Ive been dealing with insurance agency's all day and its an experience to be marked thats for sure. Im in contact with Matt's shop to see what can be figured out...it might look like the car could potentially get totaled out though that needs to be avoided at all cost! Only because i owe some cash on the loan for that car...at best the damages will go straight to the lean holder...so a bit of adjustments to the plan of attack needs to be made.

I got the hood open and yeah there is a bit more damage then i thought which is not GOOD!

[SlowWhite]

All I can say is no matter what dont use any shop an I insurance suggests. They get paid/used because they promise to keep the costs to the insurance company down.

And dont get suckered unto. "If you use our insurance company's people" you get a 2yr warranty" as soon as you pick up the car thats void because they can claim tjere is no way to tell if you did something new etc.

And over claim /check every thing yourself. Was the car parked? Moving? Is the alignment now off, camber issues, etc.

Insurance companies are a scam and will do what ever they can to get out of paying for stuff as well as over depreciate your car to help there bottom line.

Had a horrific year with them this year with my wife getting hit by other people on 3 occasions.

None of them were her fault and some how even though the insurance company was to pay for all damages. It still cost me over $2,000 out of my own pocket to fix her car because they said there was no way certain damages could have been caused by the accidents.

[AwdGSX13]

Any reputable shop would give a lifetime warranty to cover the one the insurance company would give if you used there "preferred" network.

[Alpha D]

Any reputable shop would give a lifetime warranty to cover the one the insurance company would give if you used there "preferred" network.

Thats what i would think....

[Alpha D]

All I can say is no matter what dont use any shop an I insurance suggests. They get paid/used because they promise to keep the costs to the insurance company down.

And dont get suckered unto. "If you use our insurance company's people" you get a 2yr warranty" as soon as you pick up the car thats void because they can claim tjere is no way to tell if you did something new etc.

And over claim /check every thing yourself. Was the car parked? Moving? Is the alignment now off, camber issues, etc.

Insurance companies are a scam and will do what ever they can to get out of paying for stuff as well as over depreciate your car to help there bottom line.

Had a horrific year with them this year with my wife getting hit by other people on 3 occasions.

None of them were her fault and some how even though the insurance company was to pay for all damages. It still cost me over $2,000 out of my own pocket to fix her car because they said there was no way certain damages could have been caused by the accidents.

If the car is going to shop then yeah i have a place Im already considering it to go as mentioned. But yeah if there is any other issues afterwards ...as in after i pick my vehicle up...its going right back to my old dealer to make sure all is inspected over again...put on a Alignment rack if it wasnt already done by the previous shop...and as i found out talking to awd claims can be re opened if something wasnt fixed. I will not hesitate a second to do this either literally the slightest creek i hear repair it!