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Subject: "My car ate a deer :/ Need some insurrance advice" Previous topic | Next topic
Super20GOct-17-04 06:42 PM
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#77994, "My car ate a deer :/ Need some insurrance advice"


          

I have full coverage. I dont think I have ever used it before though. Just wanted to know what people have done when they have had damage to aftermarket stuff?

The front fascia is toast, front pass fender is bent, headlight might be cracked (its late), FMIC is bent, doesnt leak, just minor cosmetic damage to that, and hood is hit a smidge.

I dont know what to do about the Apexi FMIC and Stillen front bumper. Anyone have any suggestions? I doubt a body shop can quote for aftermarket parts.

Here is a late night snap shot of the damage, not too bad, just clipped em'.

  

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Replies to this topic
RE: My car ate a deer :/ Need some insurrance advice, sonikbewm, Oct-17-04 07:19 PM, #1
RE: My car ate a deer :/ Need some insurrance advice, shuwa29, Oct-17-04 07:55 PM, #2
RE: My car ate a deer :/ Need some insurrance advice, Super20G, Oct-17-04 08:01 PM, #3
      RE: My car ate a deer :/ Need some insurrance advice, WarnerC, Oct-17-04 08:24 PM, #4
           RE: My car ate a deer :/ Need some insurrance advice, AdministratorStar Turbo Talon, Oct-17-04 08:35 PM, #5
           RE: My car ate a deer :/ Need some insurrance advice, MCubed45, Oct-18-04 03:23 AM, #6
                RE: My car ate a deer :/ Need some insurrance advice, DarkTalon, Oct-18-04 03:53 AM, #7
                     RE: My car ate a deer :/ Need some insurrance advice, Super20G, Oct-18-04 06:07 AM, #8
                          RE: My car ate a deer :/ Need some insurrance advice, Super20G, Oct-18-04 07:09 AM, #9
                               RE: My car ate a deer :/ Need some insurrance advice, EvMan2345, Oct-18-04 07:40 AM, #10
                                    RE: My car ate a deer :/ Need some insurrance advice, Aggression, Oct-18-04 08:20 AM, #11
                                    RE: My car ate a deer :/ Need some insurrance advice, Super20G, Oct-18-04 10:33 AM, #12
                                    RE: My car ate a deer :/ Need some insurrance advice, 97gsx, Oct-18-04 08:25 AM, #13
                                         RE: My car ate a deer :/ Need some insurrance advice, Blizare, Oct-19-04 04:33 AM, #14
                                              RE: My car ate a deer :/ Need some insurrance advice, 97gsx, Oct-19-04 05:00 AM, #15
                                                   UPDATE: ADJUSTER LOOKED @ THE CAR, Super20G, Oct-22-04 05:40 AM, #16
                                                        RE: UPDATE: ADJUSTER LOOKED @ THE CAR, Teameclipse804, Oct-24-04 07:57 PM, #17

sonikbewmOct-17-04 07:19 PM
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#77996, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 0
Oct-17-04 07:20 PM by sonikbewm



          

When I got ran over 2 years ago the body shop I go to added a new FMIC and everything into the quote. As far as the bumper goes they'll probably just give you the money for a new OEM front bumper, which is still expensive. I believe it was around $300 so that might cover your stillen bumper, I don't know.

Jason
'11 Ford Mustang GT/CS
'11 Ford Mustang V6 6-Speed (SOLD)
'04 Nissan 350z Touring (SOLD)
'95 Turbo Eclipse GS (SOLD and will be missed)
'90 Talon TSi AWD (SOLD)

  

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shuwa29Oct-17-04 07:55 PM
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#77997, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 1




          

when i was hit by a deer last year, the body shop wrote out a quote for my parts and insurance verified it. well once i got the check from the insurance people, it's was back to the stock front, got a lip, hood, mirrors and handles painted, new lights, etc...and still managed to pay off the deductible with the check. 1,000 dollar deductible, 3300 in damage, 2400 in new parts. so yeah, cost me a 100 bucks to fix it. not too bad.

later

2GNT #1865
2006 Yamaha YZF R6 (Blue/Black)
2005 Honda CBR 600 RR (Blue REPSOL)
2003 BMW 325I Premium/Sport Package
2003 Honda CBR 600 RR (sold)
1998 Mitsubishi Eclipse RS (sold)
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DarkOne> but we all have that inner ricer that is just dying to come out sometimes...

  

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Super20GOct-17-04 08:01 PM
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#77998, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 1
Oct-17-04 08:04 PM by Super20G

          

I will keep my fingers crossed.. My policy just got changed from no deductable to $500 last week, doesnt that blow.

  

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WarnerCOct-17-04 08:24 PM
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#77999, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 3


          

i hate animals, I ran over a dead cyote last night and got like blood all over my car. somehow the damn thing got thrown 2 lanes over and I hit it again today. It looks like I just took out 5 pedestrians..

Don't work for the system, Let the system work for you.

  

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AdministratorStar Turbo TalonOct-17-04 08:35 PM
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#78000, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 4




          

Super if you have reciepts for the aftermarket parts many insurance companies used to honor them. I know state far did but now you just take your car to a approved shop and they submit the estimate to the insurance. Not sure about other insurance companies.

Terry

96 Eagle Talon ESI....Daily driver

97 Eclipse.........

  

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MCubed45Oct-18-04 03:23 AM
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#78001, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 4
Oct-18-04 03:23 AM by MCubed45

          

Originally posted by WarnerC
i hate animals, I ran over a dead cyote last night and got like blood all over my car. somehow the damn thing got thrown 2 lanes over and I hit it again today. It looks like I just took out 5 pedestrians..


LMAO

damn dude that sucks but just visualizing it makes me laugh

super20g: hope everything works out for you. your car is/was hott emoji

-marc

  

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DarkTalonOct-18-04 03:53 AM
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#78003, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 6




          

here's what i've learned from my experience with insurance quotes...

1) if the aftermarket part is cheaper to buy than the stock, then they'll let you get it (for example, new aftermarket headlights are cheaper than new OEM ones or a CF hood will be cheaper than a stock ones, since the CF doesnt need paint)
-and-
2) work/talk with the guy doing the estimating and see what he can put in with the quote, he SHOULD know how to get you a bit more stuff without pushing the quote through the roof on you.




R.I.P. 1997-2006 thanks to a Honda in the wrong lane. emoji

  

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Super20GOct-18-04 06:07 AM
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#78009, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 7
Oct-18-04 07:05 AM by Super20G

          

Well, I talked to the insurrance company and filed the claim. The insurrance company said I can take it to a few select body shops they approve, or I can have an adjuster come out and look at it, so that's what I am gonna do. Then they will cut me a check and I can get it fixed wherever.

I have invoices for the Stillen bumper and Apexi FMIC, so I am gonna give them to the adjuster and see if he will add them in. *crosses fingers*.

Here is a before pic of the apexi fmic, know any good deals on fmic's? hahn's kit is 900, not looking to break the bank though.

  

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Super20GOct-18-04 07:09 AM
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#78010, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 8


          

And I think I will order another Stillen bumper cause they are hawt.

  

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EvMan2345Oct-18-04 07:40 AM
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#78011, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 9


          

hope all goes well- stay with stillen

Evan B
97 GS
90 GSX
Stamford CT
EvMan2345@aol.com

  

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AggressionOct-18-04 08:20 AM
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#78012, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 10




          

Damn Super20g I hate to see that happen to anyone man. I hope all goes well insurance wise for you.

Not to get off topic but could you post some pics of your engine bay...I want to see more...from what I've seen in that one pic I am curious as to how everything looks.

Thanks,

Aggression

--------------------


- 05 Subaru STi
- 97 eclipse gs (289whp w/ 276tq)

  

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Super20GOct-18-04 10:33 AM
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#78016, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 11
Oct-18-04 10:34 AM by Super20G

          

I'll post an engine bay pic tonight if I remember, that pic of the FMIC/engine bay is old, has changed since then.

I called stillen and they have the bumpers ready to ship. If all goes well with the adjuster in the next few days, then I am good to go.

  

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97gsxOct-18-04 08:25 AM
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#78014, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 10


          

i got a new aftermarket bumper no problem. it is their responsiblity to return the car in the exact condition. they gave me an openended quote i guess you could say because i told them how much the front end was and then they paid that and then the body shop. But the bumper came broke so i just took the invoice got the $500 got a refund on the part from the company and $500 from the insurance company had the ins. company pay the shop to repair the front thats on the car and i got $500 out of the deal. but yeah it was state farm and no problems so goodluck


'97 GSX (4g63)
99 front facia/Big 16g turbo, 16psi/custom intercooler piping/turbo xs dual stage boost controler/greddy bov/MSD 8.5mm superconductor wires/NGK plugs/18" hyper black rims w/chrome lip/aem drilled and slotted rotors/front upper and rear lower anti-sway bars/test pipe/magnaflow highflow cat/cat back exhaust/eibach springs/ground control coil-overs/1600lbs act clutch/organic flywheel/zeotronics digital air/fuel readout/autometer sportcomp boost and cobalt egt gauges

  

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BlizareOct-19-04 04:33 AM
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#78043, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 13




          

Originally posted by 97gsx
i got a new aftermarket bumper no problem. it is their responsiblity to return the car in the exact condition. they gave me an openended quote i guess you could say because i told them how much the front end was and then they paid that and then the body shop. But the bumper came broke so i just took the invoice got the $500 got a refund on the part from the company and $500 from the insurance company had the ins. company pay the shop to repair the front thats on the car and i got $500 out of the deal. but yeah it was state farm and no problems so goodluck


i wanna see pics of your car. It's mod list is nice emoji


I eat emo kids for breakfast

1995 Eagle Talon (SOLD)
72' SuperBeetle
72' Standard Beetle
56' Deluxe Beetle

  

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97gsxOct-19-04 05:00 AM
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#78044, "RE: My car ate a deer :/ Need some insurrance advice"
In response to Reply # 14


          

Originally posted by Blizare
< i wanna see pics of your car. It's mod list is nice emoji [br />


The aftermarket front end is from my other car not from my 2g


'97 GSX (4g63)
99 front facia/Big 16g turbo, 16psi/custom intercooler piping/turbo xs dual stage boost controler/greddy bov/MSD 8.5mm superconductor wires/NGK plugs/18" hyper black rims w/chrome lip/aem drilled and slotted rotors/front upper and rear lower anti-sway bars/test pipe/magnaflow highflow cat/cat back exhaust/eibach springs/ground control coil-overs/1600lbs act clutch/organic flywheel/zeotronics digital air/fuel readout/autometer sportcomp boost and cobalt egt gauges

  

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Super20GOct-22-04 05:40 AM
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#78123, "UPDATE: ADJUSTER LOOKED @ THE CAR"
In response to Reply # 15


          

Well, the adjuster came out and looked at the car today, I wasnt home, but he called and gave me some of the run down. I still have to wait for the paperwork and check to come in the mail. This guy is contracted out by the insurrance company to do this stuff, so I hope he doesnt stiff me.

He included in the report, a front bumper priced at 699, so i can get another stillen if I decide to, and to replace the passenger fender, drivers fender, hood, and thats all. The pass fender wasnt damaged by this, but he saw a ding and included it, he didnt ask me about it so I figure that since I didnt lie I didnt do anything wrong emoji Enough bad shit happens to me anyways, bout time something positive happened.

I couldnt get him to include the intercooler :/ He said it was scratched but looked functional, WTF. The body parts are scratched but are still functional, why replace them, bastard. I shoulda said, I'll be there in a minute to run a screwdriver across your radiator fins, tell me how that makes you feel :/ But he said if the body shop deems that it needs replaced, then they can submit a form and they will pay me back for it, so hopefully I can get them to do that.

Do you think I should have the body shop do the work, or just have them spray the parts and install them myself?

  

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Teameclipse804Oct-24-04 07:57 PM
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#78177, "RE: UPDATE: ADJUSTER LOOKED @ THE CAR"
In response to Reply # 16




          

Sorry to see that happen...since you're getting quite a few parts replaced, I would just have a good bosy shop install and paint it all. Most good shops will warranty their work, so that way you don't have to worry about it. Your insurance might require that a shop does all the work too, in order to guarantee it is truly back to original condition.

________________________________________

2004 WRX - WR Blue Pearl
1997 Eclipse GS - Royal Sapphire Pearl

  

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