[Ronch]

@RahnStap83 - Hold off on asking for diminished value compensation until after you get all the other stuff agreed. And you may not even be able to get diminished value compensation from your own company, just like you won't get your collision deductible. You have to read your policy to see what it may/not say about diminished value, and the applicable state law, if any.

Don't count on your company asking for your collision deductible from the other company. They'll likely only ask/settle with the other company for what they actually paid out to fix the car. So litigation for the deductible may be on you.

And your insurance rates might go up by filing with your own company, even though it was the other driver's fault. When I got rear-ended, I notified my carrier immediately and the agent told me to file with the other company so my rates wouldn't be affected.

I also needed a rental car right away so I just got one and when the other guy's company finally accepted full responsibility, I added on the rental car charges and they paid them in full (excluding gas, of course).

 

[Vegashybrid]

Don't count on your company asking for your collision deductible from the other company. They'll likely only ask/settle with the other company for what they actually paid out to fix the car. So litigation for the deductible may be on you.

100 percent incorrect. His company has already determined the other driver at fault. They already have started what's called the subrogation process and have already requested his deductible from the other insurance company. How long it takes for them to pay or agree is an entirely other story. That process is part of the insurance companies duties to you, and is what lets them represent you in court in this matter. The deductible is still part of what's paid for repair, it doesn't magically vanish. It's just the only part you are obligated to pay the rest is done by insurance. The repairs cost let's say $2500, your deductible is $500 the insurance company pays the rest, $2000 to the shop. The total amount was still $2500 to repair the vehicle.

If you would have had rental reimbursement on your policy they would have also gone after them for that too, during subrogation. No extra effort or expenses out of your pocket.

 

[2Accordz]

Partner? What business are you two in?

 

[Midnight Mystery]

Ouch. I hope your podnah is ok.

 

[CT2J35]

My partner had an accident a few weeks back. The driver of the vehicle is at fault. I own a 2018 Red Honda Accord Sport 2.0t (Beautiful car!) and the other driver (I think) drives a 2015 Hyundai Accent (hatchback)? The Hyundai was attempting to make a left lane while my partner was driving through a green lane, and the other driver underestimated my partner was already entering the intersection. He (the other driver) ends up crashing into my partner, and bam, a left-leaning frontal impact. As you can see, the vehicle head-on crashed into my partner, who was clearly past half-way of the intersection upon impact.

Fast forward, the Hyundai driver has accepted liability. He's trying to claim that my partner was going through a yellow light (which is still was my partner's right of way, regardless), but that's for another story lol.

My insurance company at first told me by the looks of it, the car should be totaled out. I get a call yesterday from the insurance saying that the car is now "repairable." WTF!? No, I do not want this car in the condition is in. The car will never drive the same. Here's a list of the major apparent damages to my vehicle (per the estimate) and without tearing apart the vehicle:

FRONT BUMPER & GRILLE, FRONT LAMPS, RADIATOR SUPPORT, HOOD, FENDER, CONSOLE, RESTRAINT SYSTEMS, PILLARS, ROCKER & FLOOR, FRONT DOOR, AND VEHICLE DIAGNOSTICS.

Insurance says initial estimated repairs are at $7.6K. Of course, a body shop will need to take it apart and that's going to be costly, too. I don't care what body shop fixes this car, there is just TOO MUCH DAMN damage not to be concerned with driving this car again. Wat can I do in this situation? Can I dispute the fact that this damage is beyond repairable? I don't know, but to me, this just seems too crazy. Clearly, the insurance company wants to save their ass money by not paying the value of the car. So, how can I win in this situation? HELPPP!

View attachment 526731 View attachment 526732

I'm sorry you had to experience the trauma of an accident. Should you decide to keep this one, or trade in for a new one I strongly suggest investing in some Ultra Racing strut/stabilizer bars. It will not only help chassis flex, but it is also a great way to beef up the car should (God forbid) you are in another accident again.

I have the top strut bar, lower brace, rear sway bar, and rear brace. I've noticed great improvements on handling, as well as stability both in dry and inclement weather. I was in a an accident myself and despite being repaired (about 5k worth of damage) even though the car felt solid, I have OCD when it comes to my vehicle and safety is a top priority after experiencing my accident. Financially I am not able to just to trade in my '14 V6, but these bars are an inexpensive peace of mind for sure! That little extra security of where the impact hit, having that area extra buttoned up (with the bars installed) better than when it left the factory made me feel better after the car was repaired, hopefully it will put you somewhat at ease too. Good luck!

 

[pipo816]

First and foremost I’m glad your partner is ok from the accident. It will never be same no matter what body shop you take it to. If the insurance company and body shop won’t total the car I recommend fixing it and just trade it in. This is the worst feeling when it comes to a car you really like and the additional money you have put down for a new car if you decide to but another one.

 

[Mondonico]

My partner had an accident a few weeks back. The driver of the vehicle is at fault. I own a 2018 Red Honda Accord Sport 2.0t (Beautiful car!) and the other driver (I think) drives a 2015 Hyundai Accent (hatchback)? The Hyundai was attempting to make a left lane while my partner was driving through a green lane, and the other driver underestimated my partner was already entering the intersection. He (the other driver) ends up crashing into my partner, and bam, a left-leaning frontal impact. As you can see, the vehicle head-on crashed into my partner, who was clearly past half-way of the intersection upon impact.

Fast forward, the Hyundai driver has accepted liability. He's trying to claim that my partner was going through a yellow light (which is still was my partner's right of way, regardless), but that's for another story lol.

My insurance company at first told me by the looks of it, the car should be totaled out. I get a call yesterday from the insurance saying that the car is now "repairable." WTF!? No, I do not want this car in the condition is in. The car will never drive the same. Here's a list of the major apparent damages to my vehicle (per the estimate) and without tearing apart the vehicle:

FRONT BUMPER & GRILLE, FRONT LAMPS, RADIATOR SUPPORT, HOOD, FENDER, CONSOLE, RESTRAINT SYSTEMS, PILLARS, ROCKER & FLOOR, FRONT DOOR, AND VEHICLE DIAGNOSTICS.

Insurance says initial estimated repairs are at $7.6K. Of course, a body shop will need to take it apart and that's going to be costly, too. I don't care what body shop fixes this car, there is just TOO MUCH DAMN damage not to be concerned with driving this car again. Wat can I do in this situation? Can I dispute the fact that this damage is beyond repairable? I don't know, but to me, this just seems too crazy. Clearly, the insurance company wants to save their ass money by not paying the value of the car. So, how can I win in this situation? HELPPP!

View attachment 526731 View attachment 526732

Then you need to make a diminished value claim. I do them all the time. Contact me if you want to discuss. Jeffrey@Mirslaw.com

 

[A7334321]

I wouldn't bother with any insurance company here. If there was only one ticket involved here? and it was the other driver then I wouldn't talk to anyone but my attorney. You may be liable for your partners injuries that haven't been discovered. Your car will have a detailed damage report from Carfax and any other used car search engine..You are in control here, not the insurance companies. The insurance companies first job is to make money and there's nothing wrong with that but they don't really represent you first. They represent themselves then you.

I am not a fan of attorneys but this is what they do. The insurance company will cover your attorney fees.

Just mention attorney to the insurance company and they will tell you not to bother. They don't want attorneys dictating they're business, that means call an attorney. I am sure there are other reasons but you are in the wind here. You need an advocate. You never know what might happen.

 

[seldomseen]

The damage is "minor" let the insurance repair process unfold. Then review the out come of the repair work....if the repair is done by a shop that's detailed oriented. You'll likely move on with your life. If you're concerned about issues like resale value, etc. Just trade the car in for another car of your liking.

 

[seldomseen]

Partner? What business are you two in?

lol

 

[dcav1951]

I would take the car to a very good well reviewed body shop.They will look at the car and the estimate and they will tell you if they feel that the estimate is actually on the money .If they think that there is more damage than the adjuster saw they will call the insurance company and discuss it with them At that point the insurance company may agree with the body shop and increase the amount or they may send another adjuster to the body shop to look the car over again.If the body shop and the insurance company come to an agreement that the car is fixable and not totalled then I would let them fix it.Most insurance companies err on the safe side If they feel that there is a good possibility that there is hidden damage that could cost them more than they should spend they will total the car.I have seen cars totalled that should never have been totalled. In fact in most cases they err on the side of caution and will total car with damage under the 50 or 60 % rule because they factor in what they can sell that car for at auction.Also you can push for genuine Honda parts and not after market This will increase the cost and that might push it over the edge .If after all of this the body agrees that it is fixable then let them do it.They can put it back together as good as factory and if the car did get totalled yoiu would lose money on it because of depreciation .You are in the minority most people complain that their car got totalled and they didn't want it totalled

 

[y2kga]

Years ago, I had similar damage to a car that was 3 months old (no airbag deployment). First body shop it was towed to said it could be fixed. I then had it taken to a local body shop I had used for years. They basically told me that they won't fix it if its not safe. Ended up being totaled.

You have the right to have any body shop do the work. Best advice is to find a trusted privately owned shop from your neighbors and have them take the car. They will either total the car or fix it correctly.

Having said that, even if the car is correctly repaired it will take at least a 20% hit in value. It will most likely be marked as structurally damaged on carfax. The longer you plan on keeping the car, the less this matters. However if you plan on keeping the car for less than 5 years, your going to have a problem whether you trade it in or sell privately. Many dealers don't want it as a trade in as they don't want to sell it on their lot. They'd rather sell it at auction. Someone reading the car fax will think that "structural damage" means the same thing as salvage title.

 

[Honda2014]

I wouldn't bother with any insurance company here. If there was only one ticket involved here? and it was the other driver then I wouldn't talk to anyone but my attorney. You may be liable for your partners injuries that haven't been discovered. Your car will have a detailed damage report from Carfax and any other used car search engine..You are in control here, not the insurance companies. The insurance companies first job is to make money and there's nothing wrong with that but they don't really represent you first. They represent themselves then you.

I am not a fan of attorneys but this is what they do. The insurance company will cover your attorney fees.

Just mention attorney to the insurance company and they will tell you not to bother. They don't want attorneys dictating they're business, that means call an attorney. I am sure there are other reasons but you are in the wind here. You need an advocate. You never know what might happen.

Exactly. Call an attorney and mention it to your insurance company. Under any circumstance, do not talk further to the other party’s insurance company because anything you say to them will potentially be used against you. In addition to the diminished value claim, consider going after the other party, if your partner is injured, through an attorney as well.

 

[Jefferson88]

If you didn't have one before, take this as a warning to install a dash cam. You're lucky the other driver admitted fault.

 

[Vegashybrid]

I wouldn't bother with any insurance company here. If there was only one ticket involved here? and it was the other driver then I wouldn't talk to anyone but my attorney. You may be liable for your partners injuries that haven't been discovered. Your car will have a detailed damage report from Carfax and any other used car search engine.You are in control here, not the insurance companies. The insurance companies first job is to make money and there's nothing wrong with that but they don't really represent you first. They represent themselves then you.

I am not a fan of attorneys but this is what they do. The insurance company will cover your attorney fees.

Just mention attorney to the insurance company and they will tell you not to bother. They don't want attorneys dictating they're business, that means call an attorney. I am sure there are other reasons but you are in the wind here. You need an advocate. You never know what might happen.

If his partner does for some reason decide to sue him then the insurance company would cover that as well. Its part of the accident. So why would he pay for that when it part of his policy?

 

[A7334321]

We are curious for the outcome please let us know

 

[whiteman_dan]

I have been in an accident seven times in my life. The first time I was in an accident, the insurance agent of the accident victim refused to let me rent a car. I was forced to ride the bus while my car was being repaired. I was young and stupid. Now I know how to act in these situations. I will not beg the insurance agent for a car or anything else. I'm just going to call my car accident lawyer and tell him about the accident. If you have the contacts of a good lawyer, you don't have to worry about anything. At least my lawyer has never let me down in these situations.

 

[Vegashybrid]

I have been in an accident seven times in my life. The first time I was in an accident, the insurance agent of the accident victim refused to let me rent a car.

Because your not entitled to one. They were the victim meaning it was your fault. If you didn't have rental coverage on your own policy that's on you not the person you hit. If you need a rental car in that situation is in your own dime.

 

[dcav1951]

TBH, rear end accidents are fine with me...Front end, probably not. Here are my examples:
We owned a dodge years ago that was in a front end accident and it was never the same afterwards. Rattles, paint peel (after several years) and just wacky things breaking that were not known to break on a car. Also the tires wore unevenly. (the car was repaired by a "progressive insurance" shop) Wife had to go there as she had progressive insurance. Not sure if things are different now?

2nd story is a Rear end accident in a 7th gen accord. Car was repaired and it even fixed the trunk leak I couldn't pinpoint. Never had any issues with the car, not even 1.

So IMO, front end accidents = sell. Rear end accidents= keep. Just my 2 cents tho.
Even when I look for IAA or Copart cars, I prefer side impact or rear impact crashes. I dont mess with ones that crunch the front end like yours.

Totally wrong No insurance company can require you to go to ANY repair garage You can pick any shop that you want and then it is up to the insurance company to either accept the shops estimate or argue with them about the cost But even that is not on you .Really why do you think some insurance companies have preferred shops That is because they know those shops will do repairs at what ever cost the insurance companies claims adjuster writes down So the insurance companies know they are getting the rock bottom price on fixing your car >Now common sense would tell you that maybe those shops do not do 100% of the repair They have to save money some where

 

[PapaD]

By going to your own insurance company, the DV will not be added to the cost algorithm because you are not getting DV from them, only comes from the other car’s insurance that is at fault. The other carrier could have been more apt to deem the car a total loss with DV, lengthy loss of use costs and overall damages repair costs added all together. Plus they want to control any medical expenses and by deeming it a TL, they can quell your anger and maybe keep attorneys out of the mix. So you may have screwed up by going through your own carrier.