what to do about car accident? insurance? - GoFuckYourself.com

xxweekxx · 03-26-2008, 08:50 AM

yo guys
on sunday some guy hit my car. I just got it 3 months ago... Anyway he hit the right side so its all fucked up from the passenger side fender to the passenger door..

He admitted fault, was really sorry, i called cops, they took report, etc..

Anyway, i gotta call his insurance company but im wondering if there is a way i can get my whole car repainted?

The problem is if they paint only my passenger side it might look off...

My car is black and i know its easy to match the paint but still im sure a good body shop guy can tell it got painted on that side of it..

I feel like im about to suffer even though is not my fault..

Vendzilla · 03-26-2008, 08:58 AM

Black is the hardest color to match and be picky, if it doesn't match, tell them to do it again, till they paint the whole car

xxweekxx · 03-26-2008, 09:01 AM

so do i bitch to the car insurance company?? like when the agent comes ill be like this car wont match if u paint one side.. you guys gotta paint whole thing?

Jayvis · 03-26-2008, 09:09 AM

Use to work for State Farm, what kind of insurance coverage do you have and same for him?

xxweekxx · 03-26-2008, 09:15 AM

i got comprehensive/collision..

Funny thing is his INSURANCE is state farm..

i dont know what type he has, but i got full coverage.. my car is a 2006 infiniti g35..

Anyway what are my options here?

(BTW i dont want my own insurance to go up if its not my fault!!)

xxweekxx · 03-26-2008, 09:32 AM

bump.. thanks for help jayvis

Nismo · 03-26-2008, 09:36 AM

Man, let me tell you insurance companies are serious pains in the asses. I was almost killed in a very serious car wreck the day before thanksgiving just a few months ago. 100% the other guys fault. I still have over $8k of medical bills and I still cant see an orthopedist (im still in pain) due to the insurance company refusing to pay up since the wreck happened in another state than the one im insured in.

Good luck dealing with the insurance companies. They are some shifty bastards.

G.A.F · 03-26-2008, 09:38 AM

Here you have to give the guy's Insurance company 3 "official" budgets of the total repair of the car.
They will choose one and pay you that amount of money. But THAT may take them almost a month to decide. In the meantime, your car is a mess.

xxweekxx · 03-26-2008, 09:41 AM

what do you mean 3 official budgets??

im confused??

last time i had an accident the insurance company sent THEIR OWN guy to look at my car... then they sent me a check in the mail automatically

Nismo · 03-26-2008, 09:44 AM

I think he meant estimates from body repair shops.

severe · 03-26-2008, 09:46 AM

why are you calling his insurance? just call yours. paint never matches 100% no matter how hard you try. if it doesnt match a good shop will have no problems fading out the new paint over the old so it looks perfect. very unlikely to be a full car respray considering how common fading out the paint is. painting an entire side of a car shouldn't be an issue with a good shop.

word of advise, always check the paint out in the sun. never when its getting dark or even indoors.

xxweekxx · 03-26-2008, 09:48 AM

if i call my insurance company will my rates go up??

Also i need a rental car while his company fixes mine..

I also figured you call the other guys company if he is at fault

pornguy · 03-26-2008, 09:58 AM

Quote:

Originally Posted by Vendzilla

Black is the hardest color to match and be picky, if it doesn't match, tell them to do it again, till they paint the whole car

Hahahhahahha..

that wont happen. I fought with a guys insurance company for more than a year about that.

GAMEFINEST · 03-26-2008, 10:10 AM

depends on the ins company

xxweekxx · 03-26-2008, 10:12 AM

SO million dollar question,

if some guy hit me, and 100% at fault, and i have accident reports,etc.

Should i call MY Company or HIS COMPANy.

im getting mixed opinions on this..

baddog · 03-26-2008, 10:13 AM

Is your car a two year old car?

xxweekxx · 03-26-2008, 10:16 AM

well i bought it in dec 2007, its a used 2006 infiniti G35, 28,000 Miles..

So im guessing it was sold to someone in late 2005, so yeah 2yrs old.

baddog · 03-26-2008, 10:17 AM

Quote:

Originally Posted by xxweekxx

SO million dollar question,

if some guy hit me, and 100% at fault, and i have accident reports,etc.

Should i call MY Company or HIS COMPANy.

im getting mixed opinions on this..

If you have full coverage, call your insurance company and let them handle this. That is what you pay for.

xxweekxx · 03-26-2008, 02:03 PM

hmmm whats the downside of dealing with the other guys insurance

baddog · 03-26-2008, 02:07 PM

Quote:

Originally Posted by xxweekxx

hmmm whats the downside of dealing with the other guys insurance

Them trying to rip you off. You pay for full coverage. Let your insurance handle it and they will collect from the other guy's insurance.

You have absolutely nothing to gain be doing it yourself.

This used to be my profession. Take my word for it.

Ron Bennett · 03-26-2008, 02:19 PM

Dealing with the "other" insurance company offers no advantages - only disadvantages; your insurance company will likely, if not already, found out about it anyways.

Best thing to do is deal only with your insurance company - they will in turn determine / negotiate with the "other" insurance company the amount each will pay ...

And believe it or not, based on the damage you described, your insurance rate likely won't change much, if even at all.

Ron

xxweekxx · 03-26-2008, 02:38 PM

it shouldnt even change at all.. thats my fear, my insurance changing for an accident thats 100% NOT MY FAULT

FelixFlow · 03-26-2008, 02:46 PM

Quote:

Originally Posted by xxweekxx

SO million dollar question,

if some guy hit me, and 100% at fault, and i have accident reports,etc.

Should i call MY Company or HIS COMPANy.

im getting mixed opinions on this..

you call your insurance...your insurance agent should help you out, thats why you pay them

you wont get your car repainted

you have the right to take your car to any bodyshop you choose, you dont need 3 estimates....you choose the best shop in your city

Jayvis · 03-26-2008, 02:54 PM

Quote:

Originally Posted by baddog

If you have full coverage, call your insurance company and let them handle this. That is what you pay for.

yeah the dirt dog is dead on. Your insurance company should be doing all of the grunt work for you right now.

baddog · 03-26-2008, 02:57 PM

Quote:

Originally Posted by xxweekxx

it shouldnt even change at all.. thats my fear, my insurance changing for an accident thats 100% NOT MY FAULT

If they raise your rates, cancel and move on to another carrier.

xxweekxx · 03-26-2008, 03:33 PM

hmmm ok....

xxweekxx · 03-27-2008, 06:57 AM

bump again

xxweekxx · 03-31-2008, 09:25 AM

this is very annoying. I called his company they saying they need statement from him, etc, its been a week they still saying they gotta investigate,etc.

baddog · 03-31-2008, 09:31 AM

Quote:

Originally Posted by xxweekxx

this is very annoying. I called his company they saying they need statement from him, etc, its been a week they still saying they gotta investigate,etc.

Why are you asking advice but not paying any attention to it when given? I used to represent people like you, and I always found it amazing.

Now you know why you should be talking to YOUR carrier. Let them fix your car and let them collect it from the other guy.

baddog · 03-31-2008, 09:34 AM

BTW, the longer you wait to follow my advice the bigger your headaches are going to be when you finally realize you should have listened to me back on 3/26

xxweekxx · 03-31-2008, 09:52 AM

just dont want my insurance to go up thats all..

Inde · 03-31-2008, 10:02 AM

Quote:

Originally Posted by xxweekxx

just dont want my insurance to go up thats all..

Why would your insurance go up when it was not your fault? You're not making much sense at all. If he hit your car, his insurance is will go up, not yours.

Spyce · 03-31-2008, 10:40 AM

Whether you call your insurance company or not, they're going to find out. Whether they find out from his insurance co, or from the police report that gets filed. Your insurance shouldn't go up since you're not at fault, but either way they are going to find out, so it's best if you call them directly. Let YOUR insurance company deal with HIS insurance company.

wyldblyss · 03-31-2008, 10:40 AM

Quote:

Originally Posted by Inde

Why would your insurance go up when it was not your fault? You're not making much sense at all. If he hit your car, his insurance is will go up, not yours.

Ding Ding Ding we have a winner!

baddog · 03-31-2008, 11:34 AM

Quote:

Originally Posted by xxweekxx

just dont want my insurance to go up thats all..

Quote:

Originally Posted by Spyce

Whether you call your insurance company or not, they're going to find out.

Spyce has it right. They are going to find out. If they raise your rates for an accident that is not your fault it is time to leave anyway.

Persius · 03-31-2008, 11:58 AM

Listen to Baddog jesus christ man.... Call YOUR insurance company.. They are the pros....

03-26-2008, 08:50 AM	#1
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	what to do about car accident? insurance? yo guys on sunday some guy hit my car. I just got it 3 months ago... Anyway he hit the right side so its all fucked up from the passenger side fender to the passenger door.. He admitted fault, was really sorry, i called cops, they took report, etc.. Anyway, i gotta call his insurance company but im wondering if there is a way i can get my whole car repainted? The problem is if they paint only my passenger side it might look off... My car is black and i know its easy to match the paint but still im sure a good body shop guy can tell it got painted on that side of it.. I feel like im about to suffer even though is not my fault.. __________________ _________________ I am the best

03-26-2008, 08:58 AM	#2
Vendzilla Biker Gnome Industry Role: Join Date: Mar 2004 Location: cell#324 Posts: 23,200	Black is the hardest color to match and be picky, if it doesn't match, tell them to do it again, till they paint the whole car __________________ Webair died? Carbon is not the problem, it makes up 0.041% of our atmosphere , 95% of that is from Volcanos and decomposing plants and stuff. So people in the US are responsible for 13% of the carbon in the atmosphere which 95% is not from Humans, like cars and trucks and stuff and they want to spend trillions to fix it while Solar Panel plants are powered by coal plants think about that

03-26-2008, 09:01 AM	#3
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	so do i bitch to the car insurance company?? like when the agent comes ill be like this car wont match if u paint one side.. you guys gotta paint whole thing? __________________ _________________ I am the best

03-26-2008, 09:15 AM	#5
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	i got comprehensive/collision.. Funny thing is his INSURANCE is state farm.. i dont know what type he has, but i got full coverage.. my car is a 2006 infiniti g35.. Anyway what are my options here? (BTW i dont want my own insurance to go up if its not my fault!!) __________________ _________________ I am the best

03-26-2008, 09:32 AM	#6
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	bump.. thanks for help jayvis __________________ _________________ I am the best

03-26-2008, 09:09 AM	#4
Jayvis Confirmed User Industry Role: Join Date: Nov 2005 Location: Cincinnati, Ohio Posts: 5,428	Use to work for State Farm, what kind of insurance coverage do you have and same for him?

03-26-2008, 09:36 AM	#7
Nismo Confirmed User Join Date: May 2002 Location: FLORIDA Posts: 4,977	Man, let me tell you insurance companies are serious pains in the asses. I was almost killed in a very serious car wreck the day before thanksgiving just a few months ago. 100% the other guys fault. I still have over $8k of medical bills and I still cant see an orthopedist (im still in pain) due to the insurance company refusing to pay up since the wreck happened in another state than the one im insured in. Good luck dealing with the insurance companies. They are some shifty bastards. __________________ i buy massive xxx dating traffic.

03-26-2008, 09:38 AM	#8
G.A.F Confirmed User Join Date: Feb 2008 Location: Andorra Posts: 370	Here you have to give the guy's Insurance company 3 "official" budgets of the total repair of the car. They will choose one and pay you that amount of money. But THAT may take them almost a month to decide. In the meantime, your car is a mess. __________________ Phonebilling made simple - Use Pin 2 Enter No Chargeback deductions EVER - No Retentions - Premium Rate - Drop Charge - SMS - Weekly Payments - Worldwide Coverage, available in 20 languages and growing! Global Accés - GUARANTEED MINIMUM EARNINGS

03-26-2008, 09:41 AM	#9
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	what do you mean 3 official budgets?? im confused?? last time i had an accident the insurance company sent THEIR OWN guy to look at my car... then they sent me a check in the mail automatically __________________ _________________ I am the best

03-26-2008, 09:44 AM	#10
Nismo Confirmed User Join Date: May 2002 Location: FLORIDA Posts: 4,977	I think he meant estimates from body repair shops. __________________ i buy massive xxx dating traffic.

03-26-2008, 09:46 AM	#11
severe Confirmed User Industry Role: Join Date: Dec 2007 Posts: 331	why are you calling his insurance? just call yours. paint never matches 100% no matter how hard you try. if it doesnt match a good shop will have no problems fading out the new paint over the old so it looks perfect. very unlikely to be a full car respray considering how common fading out the paint is. painting an entire side of a car shouldn't be an issue with a good shop. word of advise, always check the paint out in the sun. never when its getting dark or even indoors.

03-26-2008, 09:48 AM	#12
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	if i call my insurance company will my rates go up?? Also i need a rental car while his company fixes mine.. I also figured you call the other guys company if he is at fault __________________ _________________ I am the best

03-26-2008, 10:10 AM	#14
GAMEFINEST Make STACK$ Industry Role: Join Date: Nov 2006 Location: sexy time Posts: 14,436	depends on the ins company __________________ Compound interest.

03-26-2008, 10:12 AM	#15
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	SO million dollar question, if some guy hit me, and 100% at fault, and i have accident reports,etc. Should i call MY Company or HIS COMPANy. im getting mixed opinions on this.. __________________ _________________ I am the best

03-26-2008, 10:13 AM	#16
baddog So Fucking Banned Industry Role: Join Date: Apr 2001 Location: the beach, SoCal Posts: 107,089	Is your car a two year old car?

03-26-2008, 10:16 AM	#17
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	well i bought it in dec 2007, its a used 2006 infiniti G35, 28,000 Miles.. So im guessing it was sold to someone in late 2005, so yeah 2yrs old. __________________ _________________ I am the best

03-26-2008, 02:03 PM	#19
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	hmmm whats the downside of dealing with the other guys insurance __________________ _________________ I am the best

03-26-2008, 02:19 PM	#21
Ron Bennett Confirmed User Join Date: Oct 2003 Posts: 1,653	Dealing with the "other" insurance company offers no advantages - only disadvantages; your insurance company will likely, if not already, found out about it anyways. Best thing to do is deal only with your insurance company - they will in turn determine / negotiate with the "other" insurance company the amount each will pay ... And believe it or not, based on the damage you described, your insurance rate likely won't change much, if even at all. Ron __________________ Domagon - Website Management and Domain Name Sales

03-26-2008, 02:38 PM	#22
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	it shouldnt even change at all.. thats my fear, my insurance changing for an accident thats 100% NOT MY FAULT __________________ _________________ I am the best

03-26-2008, 03:33 PM	#26
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	hmmm ok.... __________________ _________________ I am the best

03-27-2008, 06:57 AM	#27
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	bump again __________________ _________________ I am the best

03-31-2008, 09:25 AM	#28
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	this is very annoying. I called his company they saying they need statement from him, etc, its been a week they still saying they gotta investigate,etc. __________________ _________________ I am the best

03-31-2008, 09:34 AM	#30
baddog So Fucking Banned Industry Role: Join Date: Apr 2001 Location: the beach, SoCal Posts: 107,089	BTW, the longer you wait to follow my advice the bigger your headaches are going to be when you finally realize you should have listened to me back on 3/26

03-31-2008, 09:52 AM	#31
xxweekxx Confirmed User Join Date: Oct 2002 Posts: 6,780	just dont want my insurance to go up thats all.. __________________ _________________ I am the best

03-31-2008, 10:40 AM	#33
Spyce Confirmed User Industry Role: Join Date: Dec 2002 Location: US Posts: 335	Whether you call your insurance company or not, they're going to find out. Whether they find out from his insurance co, or from the police report that gets filed. Your insurance shouldn't go up since you're not at fault, but either way they are going to find out, so it's best if you call them directly. Let YOUR insurance company deal with HIS insurance company. __________________ Spyce Our content feeds, your design - now starting at only $0.49 per gb - NO MINIMUMS!

03-31-2008, 11:58 AM	#36
Persius Tap into MOBILE! Industry Role: Join Date: Jul 2003 Location: Hollywood Posts: 11,779	Listen to Baddog jesus christ man.... Call YOUR insurance company.. They are the pros....