Ahhh, No! My Sonata Got Hit!

2815 Views 18 Replies 14 Participants Last post by Mike Eckman, Sep 8, 2010

unccjester

Discussion Starter · Aug 14, 2010

3

GRRR, this stupid girl back RIGHT into the passenger side of my brand new Sonata and caved it from the front door all the way to the TIRE!

:wallbash: :evil: :rant2:

This happened Saturday and I JUST made the 3rd car payment yesterday. Luckily, the guy I've had do body work before does WONDERS...he's even brought a Viper back from what should've been death, so hopefully he'll continue the trend. Check out what she admitted to in the police report below:

Vehicle #1 (Dillhole) was backing out of a parking space. The driver of vehicle #1 stated that she did
not see anyone behind her at first. She stated that when she saw the vehicle behind her,
she stepped on the gas instead of the brakes and collided with vehicle #2.

Vehicle #2 (ME) was turning left into the parking lot. The driver of vehicle #2 stated that as
he was pulling in the parking space, vehicle #1 was backing out and collided with his
vehicle.

She was driving Daddy's '08 Kia Rio5, so I'm assuming she was on Daddy's insurance too. :dry: I'll be going for BLOOD on the diminished value claim, as I just loss my TAIL on this car, value / equity-wise, and they know it. Looks like it's about $2800 in damage. I'm tired of driving rental cars. Here's an odd thing - an Altima is considered full-size and the 4th gen Sonata is a step down at a standard - that's strange. I'm going to have a field day with this girl's insurance after what she admitted in the police report, heheh...

Battle of the Korean cars and mine lost this time...

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goingup

· #2 · Aug 14, 2010

Yeah but did you get her phone number she seems hot! :banana: :grin: :trophy:

fftopic:

just kidding couldn't help myself

unccjester

Discussion Starter · #3 · Aug 14, 2010

QUOTE (Brian Kelly @ Aug 13 2010, 08:25 PM) index.php?act=findpost&pid=349217

Yeah but did you get her phone number she seems hot! :banana: :grin: :trophy: fftopic:

just kidding couldn't help myself

Dude, no...BLUMPKIN! :laughing: I'm a redhead married to a redhead (with a redheaded daughter), so I'm good in that department. :thumbsup:

rnjhoon

· #4 · Aug 14, 2010

Nice rack though :w00t:

really though....I feel you - that totally sucks.

glenn716

· #5 · Aug 14, 2010

Man, I feel your pain. My car is in the shop now getting some body work done also. Yours is 1000% worse than mine though. Can't wait to get mine back. Good luck. :57:

HyundaiLvr87

· #6 · Aug 14, 2010

That's horrible! Is there only paint damage to her car?

On another note, I really like your indigo blue SE. They are few and far between around here.

ssmuff

· #7 · Aug 15, 2010

That will buff out!

unccjester

Discussion Starter · #8 · Aug 26, 2010

QUOTE (ssmuff @ Aug 15 2010, 07:27 AM) index.php?act=findpost&pid=349459

That will buff out!

I should put that on http://thatwillbuffout.com/ *lol*. I finally got it back today and my shop guy in Concord did a phenomenal job on it (as usual - he's 4/4 repairing my vehicles that stupid people have hit in the last 5 years or so - I swear, no luck!).

The front door had to be replaced, the back door and that small panel between that and the wheel were easily fixed. The VIN sticker for the front door is being made and will be on its way at some point. Now I just have to deal with the whole pain & suffering as well as the diminished value claims.

xxsupergman25xx

· #9 · Aug 26, 2010

awww man. sorry to hear.

p.s. that chic is a chunky monkey. lol

guru.11sonatase

· #10 · Aug 26, 2010

I had a similar fender bender on my 08 civic and had to replace the bumper. Since its made of plastic, even the factory silver color looked so much different than the rest of the body. I had them repaint the bumper twice but that still left some mismatch.
I just hope that your guy is able to get the color combination right.

Mike Eckman

· #11 · Aug 26, 2010

Sorry to hear that man. My last two "incidents" were both very minor and one of them was on my beater and I didnt care that much, but it still sucked. I cant imagine how Id feel if that happened to a BRAND new car!

elp_jc

· #12 · Aug 26, 2010

Let me guess: you still have the crappy stock horn and she didn't hear you? :grin: At any rate, good luck. Try to get new doors, but since it'd be just the skin (all the innards would have to be relocated), it might be better to just fix them. Talk to the bodyshop and ask him what he'd recommend if it was his car. And check your wheel too since the tire has red on it. Good luck man.

lucas

· #13 · Aug 27, 2010

I had some body work done on my Sonata recently too. Don't ask what happened coz it's embarrasing, lol. Anyways, it was very little damage on the rear bumper.
The body shop did an outstanding job though. Can't see anything at all. And they got rid of that annoying dealer sticker too which is cool coz I wanted to remove it
but didn't really know how.

Good to hear that they fixed it right for you :thumbsup:

psuath

· #14 · Aug 27, 2010

if i might ask, what is "diminished value claim"? i haven't heard of that.

jjesusfreak01

· #15 · Aug 27, 2010

QUOTE (psuath @ Aug 27 2010, 01:08 PM) index.php?act=findpost&pid=352310

if i might ask, what is "diminished value claim"? i haven't heard of that.

Basically, if you get into a wreck, even if everything visible is fixed, you still lose a good bit of resale value for the car that you can't get back. A diminished value claim would seek to get that money from the other person's insurance so long as you were not the cause of the wreck.

shong008

· #16 · Sep 3, 2010

AHH! I just scratched my front bumper today. I was parking into my apartment's garage, which is so darn narrow, and scratched front bumper.
how much did you guys have to pay for your repairs, especially for those who had a light damage to your car.

Mike Eckman

· #17 · Sep 3, 2010

QUOTE (Brad Green @ Aug 27 2010, 01:00 PM) index.php?act=findpost&pid=352327

Basically, if you get into a wreck, even if everything visible is fixed, you still lose a good bit of resale value for the car that you can't get back. A diminished value claim would seek to get that money from the other person's insurance so long as you were not the cause of the wreck.

I work in the insurance industry for a company that represents hundreds of insurance carriers in the US and Canada, and while I am not going to say I know everything there is to know about every insruance carrier, I can tell you with a high degree of certainty that this type of claim is not common.

Thats not to say that in some specific circumstance it might work, but you will have a very hard time getting a claim like that to go through.

The biggest reason why, is that insurance carriers will not pay anything unless there is a documented, tangible amount that they must pay. Filing a claim saying that at some unknown point in the future, when you sell your car, the value may be reduced by some unknown amount because of a past collision and trying to come up with a value that indemnifies you would be impossible.

unccjester

Discussion Starter · #18 · Sep 4, 2010

QUOTE (Mike Eckman @ Sep 3 2010, 09:10 AM) index.php?act=findpost&pid=353996

I work in the insurance industry for a company that represents hundreds of insurance carriers in the US and Canada, and while I am not going to say I know everything there is to know about every insruance carrier, I can tell you with a high degree of certainty that this type of claim is not common.

Thats not to say that in some specific circumstance it might work, but you will have a very hard time getting a claim like that to go through.

The biggest reason why, is that insurance carriers will not pay anything unless there is a documented, tangible amount that they must pay. Filing a claim saying that at some unknown point in the future, when you sell your car, the value may be reduced by some unknown amount because of a past collision and trying to come up with a value that indemnifies you would be impossible.

Do a Google search for "Diminished Value North Carolina". You'll see that there are 3 states where the insurance companies are 100% liable for diminished value of whoever their insured hits - one of them is of course mine. :thumbsup: The girl's insurance called me up yesterday and asked me to settle on $1800... I told them they could do stand-up with that line and to stop wasting my time.

Mike Eckman

· #19 · Sep 8, 2010

QUOTE (unccjester @ Sep 3 2010, 09:11 PM) index.php?act=findpost&pid=354162

Do a Google search for "Diminished Value North Carolina". You'll see that there are 3 states where the insurance companies are 100% liable for diminished value of whoever their insured hits - one of them is of course mine. :thumbsup: The girl's insurance called me up yesterday and asked me to settle on $1800... I told them they could do stand-up with that line and to stop wasting my time.

Cool! I did not know about that North Carolina specific rule. That should work out great for you then.

However, and trust me on this, insurance companies arent stupid. They will make their money some other way. Insurance is all about risk measurement. The rates you pay are calculated by a variety of factors which tell the company what their risk is in insuring you.

If you live in a state that has a law saying that anyone who gets in a collision can collect on diminished value, this risk is calculated in your premiums. Whether you realize it or not, everyone in the state of North Carolina pays a share in this risk whether you use it or not.

You can insure ANYTHING. Mariah Carey has an insurance policy on her voice. Many pro athletes have insurance on their ability to continue to perform their sports. Some models insure their legs or other parts of their appearance. If an insurance company can figure out a way to measure the risk of insuring something, and someone is willing to pay that premium, someone will sell insurance for it.

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