so yesterday was just not my day...first the dealer cracks my windshield after i pick my car up from service...then, as im merging onto an off ramp on the parkway, some jerk cuts off the lady in front me really bad, she hits the breaks real hard and i slid right into her going about 40 mph. gonna get an estimate soon.

can someone explain to me how insurance works since ive never had a claim before. i have a 1000$ deductible for collision. i think that means that i pay up to 1000$ of the damage and if its over that, then insurance covers the rest. is that right? so lets say the damage on my car comes to 900$ (just saying), does it make sense to make a claim with the insurance company? i filed a police report and the accident is my fault since i hit her from the back so im sure she is going to go after my insurance to pay for her car. im confused...

 

In this case, your best bet it just to go through with the claim and have it all fixed.

Yes, you will pay $1000 to the body shop when you pickup your car.

 

damn, sucks but atleast it's not too bad...if the total of both car's damage is under $1000, then there's definatly no point in even telling the insurane about it...but looking at it it's gonna be about $1000-$2000 for ur car and $500-$1000 for hers...so i think it's better paying $1000 to the insurance than paying $1500-$3000 out of your pocket.

only problem is your insurance will probably raise...damn accidents suck.

 

That should NOT be your fault, but you know how insurance companies are.... they wouldn't pay a penny if they didn't HAVE to.

 

Ah, why is that? The lady in front of him was cut off but still managed to brake and so should he have managed to brake and not hit her. It sucks but you really arent going to be able to get the lady that cut them off. Besides unless you have tons of witness and weird circumstances, whomever rear ended the person is at fault.

 

Man talk about a bad day.

D

 

this DEFINTELY sucks man...at least no one was hurt.....coulda been alot worse!!

 

talk to the body shop.... ive had two crashes in my civic and i also have a 1000 dollar deductible.. my body shop guy told me dont worry about the deductible cause what they do is they take the car apart and make it seem like its really bad like they will take the head lights out and say you need new ones mean while its in the shop so now they send you more more money and you deductible is paid for.. talk to you body shop.....

 

my gf's father has a salvage yard/bodyshop and thats what he told me as well. he said he would try to work the deductible into the overall price so i could atleast try to get some of it back.

no matter what happens the insurance company will say i was following to closely and im at fault. i know im at fault but i wasnt following to close. general rule of thumb is 10 feet for each 10mph. i just didnt react fast enough

 

yeah no mater what its going to be you fault when it comes to hitting someone from behind lol sounds kind of funny... i crashed my civic 3 times one time hit a jeep from behind and i had 5grand of body work to my car 2nd time a taxi hit me 500 dollars 3rd time i just got lowering springs though i was the man took a turn hard but there was like rocks on the floor and lost control ran head 1st into a 3 foot curb lol 11 thousand of work after that crash i traded it for the tl lol.. i hope the next person enjoys it lol from what i herd the dealer sold the car to the person they sell it to when they dont want the car lol... but hey they say when you crash your car it always comes back stronge so stay up....

 

Not good. Sorry to hear.

 

gieco said they would come look at it in a day or two at which time my gf's father will call me to drop the car off since i told gieco it was already at the shop so they didnt try to push me onto one of their places. gf's father said he would also respray the rear bumper b.c its wdp and looks like crap...and use the money from gieco to cover the job.

 

Its no wonder insurance rates are so high... This is nothng more than stealing. if you want a lower deductable buy better insurance.

BTW, your car is going to be more than a 1000 dollars to fix. I would bet somewhere around $3500 or more.

 

you know their gonna say some bullshit like you shouldnt have been travelling so close, and should have had enough distance to do an emergency break...

 

Ehhhh....

That'll buff right out!!

Could be alot worse. I remember when I ran into this type of situation, I was sandwiched when I had my QX4. Toyota camry slid right under me, pushed me into the front car. Camry was ticketed, but from what I heard her car had over 5K in damage, and was deemed totalled. My qx had 2K in damages.

Like I said could be ALOT worse

 

Sheesh, and I wonder why premiums are so high.

 

jeez, it's never gonna work right like that...the body shop rips off the insurance up the ass....and the insurance rapes you as a result.

i hate that shit...i dented my front fender into the side doors of an accord while avoiding rear ending a ford suv that pulled up infront of me while i was going 55mph.

the ONLY damage was to my front right fender...i was thinking of buying a new fender myself and replacing it....that would of been under the $500 deductible...problem is her insurance qoute (the accord) was like $1100, so i let the insurance do everything and just paid them $500.

my car ended up with $2300 in damages as the body shop said, i was like wtf why? i left em the car with a valet key and the trunk locked...they call me up and say they need to get in my trunk. I was confused since they had no business there...they said they're taking off my rear tails to repaint the whole side of the car to match the paint....what a bunch of bullshit i was so pissed, the car was less than 1 year old, there is no paint fade...but they told me if i didn't like how they work to go to another body shop....and since insurance was paying for it i had no choice.

so now my TL is 1/2 repainted because of a dented fender....those ticks are making money out of everything they possibly can...pisses me off.

oh and as a result my insurance raised ofcourse...that little scrape cost them nearly 4 grand

 

just out of curiosity, how much did your insurance go up every 6 months? are u still dealing with the rate increase or did it stabilize if this accident was a long time ago?

 

that'll buff right out...


no seriously. take it to a good shop and they can knock out all panels. that and a new bumper + repainting for the Avalon shouldn't exceed a grand.

 

gieco adjuster came to look at the car today. the total with labor was $3766. my driver side headlight was cracked but i dont see anything listed for a headlight. does anyone else see it listed here?

NO. OP. DESCRIPTION QTY EXT. PRICE LABOR PAINT
1 FRONT BUMPER
2** REPL RECOND BUMPER COVER 1 208.00 2.0 3.0
3 ADD FOR THREE STAGE 2.1
4 ADD FOR SPOILER 0.4
5 ADD FOR FOG LAMPS 0.3
6 REPL ABSORBER 1 59.58 INCL.
7 REFN TOW BRKT COVER BLUE PEARL 0.2

-------------------------------------------------------------------------------
NO. OP. DESCRIPTION QTY EXT. PRICE LABOR PAINT
-------------------------------------------------------------------------------
8 REFN RT PLUG BLACK PEARL 0.2
9 REPL LICENSE FRAME 1 9.70 0.2
10 R&I SPOILER BASE BLACK PEARL 0.8
11 REFN SPOILER BASE BLACK PEARL 1.2
12 ADD FOR THREE STAGE 0.8
13 GRILLE
14** REPL QUAL REPL PARTS GRILLE 1 8.00 INCL.
STANDARD
15 REPL COVER 1 20.22
16** REPL QUAL REPL PARTS CENTER GRILLE 1 32.31 INCL.
STANDARD
17** REPL QUAL REPL PARTS MOLDING 1 38.46 INCL.
18 FRONT LAMPS
19 R&I RT R&I HEADLAMP ASSY ONE SIDE 0.4
20 R&I LT R&I HEADLAMP ASSY ONE SIDE 0.4
21 REPL AIM HEADLAMPS 1 0.5
22 HOOD
23** REPL QUAL REPL PARTS CAPA HOOD 1 336.92 1.3 2.6
24 OVERLAP MAJOR ADJ. PANEL -0.4
25 ADD FOR THREE STAGE 0.9
26 ADD FOR UNDERSIDE(COMPLETE) 1.3
27 REPL LOCK 1 41.47 0.3
28 REPL RT HINGE 1 10.32 0.3 0.3
29 REPL LT HINGE 1 8.85 0.3 0.3
30 R&I TRIM MOLDING 0.2
31 FENDER
32* RPR RT FENDER 0.5* 2.0
33 OVERLAP MAJOR ADJ. PANEL -0.4
34 ADD FOR THREE STAGE 0.6
35# DEDUCT FOR BLEND 1 -0.6
36 BLND LT FENDER 1.4
37 R&I RT FENDER LINER 0.4
38 R&I LT FENDER LINER 0.4
39 WINDSHIELD
40** SUBL QUAL REPL PARTS WINDSHIELD * 1 521.97* T
PLUS KIT *
41* SUBL WINDSHIELD LABOR * 1 109.00* X
42 COWL
43 REPL RT COWL GRILLE 1 59.42 0.4
44 PILLARS, ROCKER & FLOOR
45 R&I RT ROCKER MOLDING FRONT BLUE 0.3
PEARL
46 R&I LT ROCKER MOLDING FRONT BLUE 0.3
PEARL
47 R&I LT ROCKER MOLDING REAR BLUE 0.3
PEARL
48 R&I RT ROCKER MOLDING REAR BLUE 0.3
PEARL

NO. OP. DESCRIPTION QTY EXT. PRICE LABOR PAINT
-------------------------------------------------------------------------------
49 FRONT DOOR
50 BLND RT DOOR SHELL 1.4
51 R&I RT DOOR W'STRIP 0.5
52 R&I RT BELT W'STRIP 0.3
53 R&I RT UPPER MOLDING 0.4
54 R&I RT MIRROR ASSY BLUE PEARL 0.3
55 R&I RT HANDLE, OUTSIDE BLUE PEARL 0.4
56 R&I RT R&I TRIM PANEL 0.6
57# REPL FLEX ADDITIVE 1 10.00 T
58# REPL CORROSION PROTECTION 1 10.00 0.2
59# REFN CAR COVER-AP 0.2
60# COLOR SAND AND BUFF-AP 1 1.0
61# RPR UNIBODY SETUP AND MEASURE 2.0 F
62# RPR PULL AND SQUARE NOSE 1.0 F
63# RPR PINCHWELDS 0.5 0.5
64# DISCONNECT AND RECONNECT 1 0.2
BATTERY
65# RPR RESET ELECTRONIC COMPONENTS 0.3
66# ##NO SUPPLEMENT WILL BE 1
HONORED UNLESS AUTHORIZED BY
GEICO #
67 OTHER CHARGES
68# E.P.C. 1 3.00
-------------------------------------------------------------------------------
SUBTOTALS ==> 1487.22 18.0 17.6

------------------------------------------------------------------------------
PRIOR DAMAGE NOTES:
NONE NOTED


PARTS 1365.22
BODY LABOR 15.0 HRS @$ 44.00/HR 660.00
PAINT LABOR 17.6 HRS @$ 44.00/HR 774.40
FRAME LABOR 3.0 HRS @$ 44.00/HR 132.00
PAINT SUPPLIES 17.6 HRS @$ 24.00/HR 422.40
SUBLET/MISC. 119.00
OTHER CHARGES 3.00
----------------------------------------------------
SUBTOTAL $ 3476.02
SALES TAX $ 3367.02 @ 8.6250% 290.41
----------------------------------------------------
TOTAL COST OF REPAIRS $ 3766.43


ADJUSTMENTS:
DEDUCTIBLE 1000.00
----------------------------------------------------
TOTAL ADJUSTMENTS $ 1000.00
NET COST OF REPAIRS $ 2766.43

 

those?

 

^^ I was gonna say the same thing. its on there

 

R&I stands for, Labor operation to remove and install an item or items
REPL is Replacement part


0.4 is listed under the labor hours, not the price, there is no price listed so im thinking what they wrote is just to realign and install the headlights after the bumper gets put back on

0.5 is under the labor hours also but no price is listed for a new headlight, i could be wrong and maybe they didnt add the price yet but that doesnt make sense to me

 

Dude, capitalization and punctuation are your friends!

The insurance carrier doesn't decide who's at fault. The cops decide that.

 

Actually the insurance companies rip off the body shop quite often (and in the end the consumer). Just a little tidbit I learned today that will probably affect all the manufactures soon is this: Saturn (I know it's not Acura, but hang with me here) has upped the prices on a lot of their replacement parts.

For example a hood that cost $400 last week will cost $570 (real numbers not made up) this week, and that's just the beginning. Most prices are expected to go up about 40 to 50%. YIKES. Supposedly blamed on increased freight charges (gotta love skyrocketing oil prices). I'm sure other mfgs. will pick up on this and do the same. A $4000 wreck today will be $6000 plus tomorrow. Up goes the insurance rates again. What a nasty cycle.

 

In the case of Saturn, the price issue would be a double-hit: The cost of shipping due to oil as well as the cost of manufacturing plastic body panels (because plastic is a petroleum-based product).

 

uh-oh... her exhaust looks off-center. hopefully it wasn't shoved up too far.

i can't believe how fast the prices to fix cars runs up. i got rear-ended the other day (driving my moms accord, thank god...i would have flipped if it was my TL). i was stopped in traffic and some jeep just came up and rammed me. couldnt have been going too fast cause of the stop-n-go traffic, but it sure felt like a hard hit (we all had headaches and some with stiff necks the next day). the only damage was a crack in the back bumper similar to that one main crack on the avalon here, so i figured it wouldnt be too expensive. wrong....$1500! and that was just to replace the bumper and paint it. total crap. she decided to just leave the crack and keep the cash. what a broken system we have.