Car Value Post-Accident Insurance Question - Chicagoland Sportbikes
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post #1 of 30 (permalink) Old 10-08-2013, 06:13 PM Thread Starter
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Car Value Post-Accident Insurance Question

So I have a question for any car insurance professionals out there.

Last Tuesday my wife was T-boned in our 2013 Subaru STi (<15K miles). She was OK. She did take an ambulance ride to the hospital to be on safe side. The car, so far, has about $8K worth of damage. The lady who hit her was fully at fault and her insurance company has taken care of everything so far. Actually doing a very nice job. The insurance company did send us a check today for the repairs but I am not cashing it, accepting the settlement, until I feel comfortable we are being fully compensated for our losses.

My question is should I expect an additional check from the insurance company for the loss in resale value of the car now that its been in an accident? Is this something I should be pushing for? How do I gauge how much resale I've lost?

Any advice would be really helpful. Thank you!!

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post #2 of 30 (permalink) Old 10-08-2013, 07:33 PM
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post #3 of 30 (permalink) Old 10-08-2013, 10:34 PM
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This would have been easier

http://www.insure.com/car-insurance/...car-value.html

go time traveler style and go back in time, fuck his grandma, then shoot forward in time and then fuck his mom. Then return back to present state and call him a the product of two incest whores and hes your son and show video of you plowing the both members of his family. .
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post #4 of 30 (permalink) Old 10-08-2013, 11:16 PM
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Get a lawyer, the other guys insurance is NOT on your side. You need to be compensate for your wife medical bills and pain and suffering too.
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post #5 of 30 (permalink) Old 10-09-2013, 04:44 AM
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Quote:
Originally Posted by tcmalker View Post
Get a lawyer, the other guys insurance is NOT on your side. You need to be compensate for your wife medical bills and pain and suffering too.
Reading isnt your strong area is it

Quote:
Originally Posted by JPKII View Post
The lady who hit her was fully at fault and her insurance company has taken care of everything so far.

go time traveler style and go back in time, fuck his grandma, then shoot forward in time and then fuck his mom. Then return back to present state and call him a the product of two incest whores and hes your son and show video of you plowing the both members of his family. .
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post #6 of 30 (permalink) Old 10-09-2013, 09:25 PM Thread Starter
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Yeah, so far they've indicated that they are covering lost wages, ambulance ride, and medical expenses. So from that perspective I am totally satisfied. They did send me a check for the repairs for the car indicating that if I cash the check I accept the settlement, blah, blah, blah. Um yeah, that's gonna sit for a while. I'll pay the dealer cash to get my car back but that check isn't gonna get cashed until I am totally satisfied. Its not like the car is 1 of 1 ever produced or anything but to me it was my lil hot rod. And we all know once a car has been in an accident it will never be the same.

The idea put out there by State Farm, my insurance company BTW, that a vehicle which is properly repaired won't diminish in value is complete bullshit and a prime example of the lobbying power of the insurance industry (to influence outcomes of trials). I'm not sure how I'm going to proceed yet. It seems as if a pretty strong legal precedent has been set but at least in IL it has only been ruled on by an appellate court. I will have our corporate attorneys take a peak at it and see if they think I have a snowballs chance in hell. Otherwise I may have my State Farm agent come with me to the dealership when I go to sell the car so he can tell the dealership it was repaired properly and, therefore, should be worth top dollar for trade in. We'll see how far that goes. Fuckers...

You cannot help the poor by destroying the rich.
You cannot strengthen the weak by weakening the strong.
You cannot bring about prosperity by discouraging thrift.
You cannot lift the wage earner up by pulling the wage payer down.
You cannot further the brotherhood of man by inciting class hatred.
You cannot build character and courage by taking away people's initiative and independence.
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post #7 of 30 (permalink) Old 10-10-2013, 08:25 AM
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Most dealers won't take it at all if it has a carfax hit on it.
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post #8 of 30 (permalink) Old 10-10-2013, 10:02 AM
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Important the wife is OK, the car is just that a car, it was to lose value over time anyway. Did it lose a little extra in value, one would think so. We have Insurance to repair or replace and not to cover lost value in accidents as they will happen, cause if that was the case it would cost just that much more it insure.

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post #9 of 30 (permalink) Old 10-10-2013, 10:23 AM

 
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As JRS stated, insurance policies cover repair of the vehicle. If you'd like to get at any lost resale value, you'd have to sue the other driver yourself, and prove your case.

The most technical way to explain it is...each coverage in your auto policy has a calculated cost, and written legal terms/conditions. It's a contract. For "this" amount of $ the insurance company will cover "this". The cost and terms of depreciation hits due to an accident are not built into auto insurance policies. Thus, there's no coverage for it, but you also don't pay any premiums to cover that.

If that coverage was to exist, first, the conditions and terms for it would have to be created (and calculating depreciation accurately across a broad spectrum would be insanely difficult), and second, you'd be paying higher premiums.

Hope that makes sense.

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Benjamin Franklin - “It is a strange anomaly that men should be careful to insure their houses, their ships, and their merchandise, and yet neglect to insure their lives”.
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post #10 of 30 (permalink) Old 10-10-2013, 10:28 AM

 
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[QUOTE=JPKII;2272978 The idea put out there by State Farm, my insurance company BTW, that a vehicle which is properly repaired won't diminish in value is complete bullshit and a prime example of the lobbying power of the insurance industry (to influence outcomes of trials). Otherwise I may have my State Farm agent come with me to the dealership when I go to sell the car so he can tell the dealership it was repaired properly and, therefore, should be worth top dollar for trade in. We'll see how far that goes. Fuckers...[/QUOTE]

I wouldn't put that "idea" onto State Farm as a whole. Your agent told you it won't diminish the value. I disagree with that agent myself, having seen matters of this kind first hand, however... State Farm has not given us agents any direction or opinion on the matter of diminished value, nor would they. Thus, don't read into that as a State Farm thing, rather the opinion of your agent.

Peter Katowicz
State Farm® - Agent
108 E Lake St. Unit 2
Bloomingdale, IL 60108
Office: (630) 980-9809
Fax: (630) 980-9858
[email protected]
www.PeterIsMyAgent.com

Benjamin Franklin - “It is a strange anomaly that men should be careful to insure their houses, their ships, and their merchandise, and yet neglect to insure their lives”.
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post #11 of 30 (permalink) Old 10-10-2013, 03:43 PM Thread Starter
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Quote:
Originally Posted by PolishPete View Post
I wouldn't put that "idea" onto State Farm as a whole. Your agent told you it won't diminish the value. I disagree with that agent myself, having seen matters of this kind first hand, however... State Farm has not given us agents any direction or opinion on the matter of diminished value, nor would they. Thus, don't read into that as a State Farm thing, rather the opinion of your agent.
Thanks Pete. I gleaned the State Farm reference from the article posted above.

I get it but it still rubs me wrong. lol. Out of no fault of my own I am out a significant amount of cash. If the car was a few years old I'd be more OK with it but the thing is almost brand new. That's what I keep circling back to.

You cannot help the poor by destroying the rich.
You cannot strengthen the weak by weakening the strong.
You cannot bring about prosperity by discouraging thrift.
You cannot lift the wage earner up by pulling the wage payer down.
You cannot further the brotherhood of man by inciting class hatred.
You cannot build character and courage by taking away people's initiative and independence.
You cannot help people permanently by doing for them, what they could and should do for themselves.

....Abraham Lincoln
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post #12 of 30 (permalink) Old 10-10-2013, 04:12 PM
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Pete nailed it.

In a nuts shell it is no different then you going to one dealer to trade you car in for said car and he tells you your trade is worth X, where the dealer down the road has the same car you want (apples to apples) in car you want and your car is worth Y.
That too is diminished value from one dealer to another, right?

Your car will be repaired to standards that make it safe and road worthy, drive it a few more years and be happy with it, is all I'm saying. Trading it in gets you nothing either way you look at it now.

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post #13 of 30 (permalink) Old 10-10-2013, 04:49 PM Thread Starter
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Thanks for the perspective guys. I appreciate it.

You cannot help the poor by destroying the rich.
You cannot strengthen the weak by weakening the strong.
You cannot bring about prosperity by discouraging thrift.
You cannot lift the wage earner up by pulling the wage payer down.
You cannot further the brotherhood of man by inciting class hatred.
You cannot build character and courage by taking away people's initiative and independence.
You cannot help people permanently by doing for them, what they could and should do for themselves.

....Abraham Lincoln
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post #14 of 30 (permalink) Old 10-10-2013, 04:54 PM
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Quote:
Originally Posted by JRSMAIL View Post
Pete nailed it.

Trading it in gets you nothing either way you look at it now.
^sure it does... It gives you the ability to get a newer clean car that gives you the peace of mind knowing it hasn't been in an accident.
Just sucks you have to take a loss on it... which like someone else recommended, You can try to sue the driver for that amount.

Would definitely make for an interesting episode of judge judy.
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post #15 of 30 (permalink) Old 10-10-2013, 05:14 PM Thread Starter
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I wouldn't sue the other driver personally. To me, in this situation, that would bring too much bad karma to me. She was a very nice older lady who was very apologetic and freely admitted guilt. If she were a bitch, different story. lol.

Once the car is finished at Grand Subaru I'm gonna have a salesman take a peak at it. See what they got. The only downside is I would need to pull all my 2 week old aftermarket crap off of it. lol

You cannot help the poor by destroying the rich.
You cannot strengthen the weak by weakening the strong.
You cannot bring about prosperity by discouraging thrift.
You cannot lift the wage earner up by pulling the wage payer down.
You cannot further the brotherhood of man by inciting class hatred.
You cannot build character and courage by taking away people's initiative and independence.
You cannot help people permanently by doing for them, what they could and should do for themselves.

....Abraham Lincoln
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post #16 of 30 (permalink) Old 10-10-2013, 05:14 PM
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What kills me is the teen driver rate that Insurance companies want to charge.

FTG, I'm insure the vehicle not the driver... This coming from a dad that was driving 5.0 mustangs as first cars..LOL

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post #17 of 30 (permalink) Old 10-10-2013, 06:55 PM
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Try this...

File a claim against your own insurance, saying you're not happy with the other guys insurance. Once your insurance paid for the repairs you can cash the other check. I see nothing wrong with doing this. Insurance companies are scum, except polish Pete.
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post #18 of 30 (permalink) Old 10-10-2013, 07:53 PM
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post #19 of 30 (permalink) Old 10-10-2013, 08:09 PM
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post #20 of 30 (permalink) Old 10-10-2013, 08:18 PM
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post #21 of 30 (permalink) Old 10-10-2013, 09:26 PM
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post #22 of 30 (permalink) Old 10-10-2013, 09:30 PM
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You insure the vehicle and it's mechanical condition, not it's worth (which isn't always tied to that). Find it ironic you're worried about the worth of your car, while discussing trading it in at a stealership
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post #23 of 30 (permalink) Old 10-11-2013, 01:51 AM
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Quote:
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You insure the vehicle and it's mechanical condition, not it's worth (which isn't always tied to that). Find it ironic you're worried about the worth of your car, while discussing trading it in at a stealership
No kidding.


BTW I dont put too much trust into carfax. Looked at a couple vehicles which the dealer had a "clean" carfax only to see the frame pull marks and body panels that dont exactly match.

I'm not crazy, my mother had me tested.
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post #24 of 30 (permalink) Old 10-11-2013, 08:27 AM
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No kidding.


BTW I dont put too much trust into carfax. Looked at a couple vehicles which the dealer had a "clean" carfax only to see the frame pull marks and body panels that dont exactly match.
It's only a guideline. If an accident isn't reported to the state it won't be on a carfax report.
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post #25 of 30 (permalink) Old 10-11-2013, 10:50 AM
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I'm bored so let's thicken this thread.

Could this be an advantage to leasing?

"includes 10 used-car dealers or auto repair shops, 11 liquor stores and bars--two of which advertise lingerie fashion shows and a third billed as a "gentlemen's club"--three cut-rate motels and one trailer park. The squat, brick municipal building is next to a currency exchange and a few steps from an adult video store. The bars open at 10 a.m. and close at 6:30 a.m."

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post #26 of 30 (permalink) Old 10-11-2013, 03:38 PM
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Quote:
Originally Posted by tcmalker View Post
Try this...

File a claim against your own insurance, saying you're not happy with the other guys insurance. Once your insurance paid for the repairs you can cash the other check. I see nothing wrong with doing this. Insurance companies are scum, except polish Pete.
That my friend, is Insurance Fraud, and if you get caught at it, you will spend some time visiting with our former governors in the pokey.

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post #27 of 30 (permalink) Old 10-11-2013, 03:44 PM
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Life is inherently risky. Living in a large metropolitan area with lots of other people close by raises the risk of you experiencing a loss due to the actions of others.

We mitigate some, but not all of that risk with insurance.

Loss in a civil legal sense requires an actual realized loss that can be assigned a dollar value. The unrealized loss in value of a vehicle due to it's involvement in an accident isn't really successfully actionable. In order to prove your case, you would need to have it's value documented a minute or two before the accident, then again immediately after repairs were completed, and then subtract standard depreciation that occured during the time between the two valuations, and the value of any additional use in that time from the difference in value.

Some losses aren't insurable. Some are not worth the cost of insurance.

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post #28 of 30 (permalink) Old 10-11-2013, 04:52 PM Thread Starter
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Quote:
Originally Posted by bwa View Post
You insure the vehicle and it's mechanical condition, not it's worth (which isn't always tied to that). Find it ironic you're worried about the worth of your car, while discussing trading it in at a stealership

Trade in wouldn't be as much for net worth as it is for having to deal with a vehicle for the next 5, or so, years that's been in an accident and the potential problems that presents. More than 50% of the repair cost so far are in mechanical repairs, not body work. If it were just body work I'd have a different point of view. The drivers side front wheel took the brunt of the impact. It was sitting about -15 degrees camber after the accident. Wheel hub was cracked, strut bent, and CA bent. So far... It'll be another week before they can attempt an alignment and drive the car for the first time. How much force went into the half shaft/CV joint, front differential/center diff, and transmission?? Who knows. Only time will tell...

You cannot help the poor by destroying the rich.
You cannot strengthen the weak by weakening the strong.
You cannot bring about prosperity by discouraging thrift.
You cannot lift the wage earner up by pulling the wage payer down.
You cannot further the brotherhood of man by inciting class hatred.
You cannot build character and courage by taking away people's initiative and independence.
You cannot help people permanently by doing for them, what they could and should do for themselves.

....Abraham Lincoln

Last edited by JPKII; 10-11-2013 at 04:54 PM.
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post #29 of 30 (permalink) Old 10-11-2013, 10:46 PM
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Quote:
Originally Posted by Truth View Post
It's only a guideline. If an accident isn't reported to the state it won't be on a carfax report.
Yet there are people (and dealers) who take it as the gospel.

I'm not crazy, my mother had me tested.
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post #30 of 30 (permalink) Old 10-11-2013, 11:17 PM
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Quote:
Originally Posted by JPKII View Post
Trade in wouldn't be as much for net worth as it is for having to deal with a vehicle for the next 5, or so, years that's been in an accident and the potential problems that presents. More than 50% of the repair cost so far are in mechanical repairs, not body work. If it were just body work I'd have a different point of view. The drivers side front wheel took the brunt of the impact. It was sitting about -15 degrees camber after the accident. Wheel hub was cracked, strut bent, and CA bent. So far... It'll be another week before they can attempt an alignment and drive the car for the first time. How much force went into the half shaft/CV joint, front differential/center diff, and transmission?? Who knows. Only time will tell...
Sucks dude. I figure what you are pretty much saying. You are stuck with the finished car as returned from the dealer (to an extent). Showing up to sell your car with your insurance agent wouldn't happen and a dealer wouldn't care. The car will probably end up at auction when you are done with it. I hope they fix it right. I have been able to take an accident damaged car back after repair when things weren't right. The repair company had to hit up the insurer but it wasn't a big deal. Good luck.
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