FML Hit by a girl

[mbeals]

....pulling into a parking garage. She was in a parking spot in a lot behind the post office. I turned the corner, looked up and saw her reverse lights coming at my face. I hit the gas and turned into the lot to try and avoid, but her right rear bumper hit me just behind the driver's side door, pushing in the panel by quite a bit. I managed to miss the door, so at least it still seals and the car is drivable, but I'm afraid insurance is going to total the car. The stupid girl only had "no fault" insurance as well.

here's the damage
http://i41.tinypic.com/f0299v.jpg
http://i43.tinypic.com/2qtv9l0.jpg
http://i43.tinypic.com/kf2s29.jpg

[natedawg9640]

what is no fault insurance?

[cherrington17]

No fault is bare minimum (illegal in some states) that only covers acts of god. (Where no-one is at fault)

Why would they total that? Totalling is only if the repair bill is far superior to the cost of the car. I had the back end of mine crushed, bill was 7600... and I still have my car. That's maybe 2k, definitely keep-able. She should be liable for something though... check with ur agent.


...and I think the proper proceedure around here is "fhl" "eff her life". She's gotta pay somehow. :lol:

[Vic28]

Hey atleast you will get the rust fix cause of the accident.

[HazMatt24]

we're missing the most important info here. Was she hot?

I assume you have coverage for no insurance/under insured. You totally could have black mailed her into giving you a blow job for not filing with her insurance company, then filed with your insurance company saying whoever hit you just took off

[mbeals]

The metal is creased really bad at those two points at the top and bottom, and is actually broken at the bottom. It just looks like section of metal that isn't easily repairable...not like a quarter panel that can be swapped with a few bolts.

Yes, on the bright side I will get the rust fixed. Might even see what it would take to get the other side to match.

we're missing the most important info here. Was she hot?

I assume you have coverage for no insurance/under insured. You totally could have black mailed her into giving you a blow job for not filing with her insurance company, then filed with your insurance company saying whoever hit you just took off

yea, except she was 16 and looked like she's had her license for a total of 4 hours.

[kwhauck]

that's a lot more than 2k in damage, i bet it is like 3500-4k which is over total value i'm sure..

[mbeals]

well KBB is like 2000 to 2300, so unless I can sweet talk the body man next door into helping out....

[kwhauck]

probably be cheaper to just collect and get a new one...

[kwhauck]

you could buy bodyman's car...

[HazMatt24]

The metal is creased really bad at those two points at the top and bottom, and is actually broken at the bottom. It just looks like section of metal that isn't easily repairable...not like a quarter panel that can be swapped with a few bolts.

Yes, on the bright side I will get the rust fixed. Might even see what it would take to get the other side to match.



yea, except she was 16 and looked like she's had her license for a total of 4 hours.

Silent would have done it :lol:

[mbeals]

you could buy bodyman's car...

As much as I would like to do that (and he does live sort of close to my parents), I think my wife is looking for something else. Now that we have a kid, my regular cab (project) truck is too small (and I keep breaking it), so she want's something with 4 doors that will tolerate the feet of snow we get up here.

Although...what's it take to buy it back with a salvage title? Assuming there isn't any suspension damage, it could be a fun turbo car. Doesn't have to be pretty to be fast.

[kwhauck]

get a trailblazer then, or a bravada....

[[ion] C2]

yea, except she was 16 and looked like she's had her license for a total of 4 hours.
Same with my crash chick.

http://www.ion-productions.com/crash/10.jpg

[Malibu369258]

http://www.ion-productions.com/crash/12.jpg

[[ion] C2]

http://sphotos.ak.fbcdn.net/photos-ak-sf2p/v288/226/59/635770801/n635770801_987618_1270.jpg

[Ttop191]

super lulz :emotlol:

[20alero02]

that sucks man. good luck getting it all figured out.

[mbeals]

thanks,
I already talked to my insurance company and an adjuster is going to call me sometime soon to come take a look.

Here's hoping Geico is as great as their commercials.

[cherrington17]

they aren't.

be an adult, and get allstate

[bdyman]

ok dont get allstate they suck!!! the low ball insurance will fix the 1/4, and really it is fixable, no need to replace it, if you have allstate they will fix it, statefarm might put a 1/4 on the car

but even repairing the 1/4 it could be close to being totaled, but tell me what kind of insurance do you have her low ball company makes baby jesus cry in his manger

[mbeals]

they aren't.

be an adult, and get allstate

I wanted allstate or state farm, but the wife gets what the wife wants. My parents had allstate for years and had awesome service.

I have full coverage through geico. When I saw her insurance card, it was a hand written form... I'm not expecting this to go smoothly.

Of course to top it all off, I just found out my truck might need new injectors.

[bdyman]

geico isnt that bad really, and each adjustor is different, some fix some replace, some total, so it all depends on the adjustor, and their body labor is at 48, frame is at 85, its not a bad company

[mbeals]

Talked to the claims dept today. My deductible is only $100 and they are going to try and get that out of the other insurance company. I'm hoping its low enough that the company will just pay it to avoid hassle. Hell the other person would probably pay that out of pocket.

There aren't any adjusters that are local to me, so it looks like I'm stuck doing the leg work. When I bring it into shops for estimates, is there anything special I should ask or mention?

[bdyman]

well im sure in the office you will see icar gold certified, ppg certified shop stuff like that, nothing special really

[meadus101]

Silent would have done it :lol:

Hell, So would I.

[Spike440]

just dont get insurance, when you get in an accident, mug the person that you hit / hit you, and always drive without license plates.

[HazMatt24]

Hell, So would I.

note I never said I wouldn't

[zzyzzx]

I don't completely understand why you aren't dealing with her insurance company?

[freeze12]

Just have a junk yard cut off a rear quarter & use the 2 stage panel glue to put it on.A lot of work but is the car worth it? If it is totalled buy it back & fix it.

[cavaliers60]

just dont get insurance, when you get in an accident, mug the person that you hit / hit you, and always drive without license plates.


Yep, then go to jail when you get pulled over or get in a wreck and police ask for your license. :stupid:

[bdyman]

Just have a junk yard cut off a rear quarter & use the 2 stage panel glue to put it on.A lot of work but is the car worth it? If it is totalled buy it back & fix it.

well your about 40% right, but lets mention that you have to, pre pull the sheet metal first, not to mention tear the car down, remove all the glass the interior, the seats, the 1/4 trim, package shelf

and then you spend about a good day of drilling EVERY spot weld and the using a torch to break up the panle bond, and then doing the same thing on the junk yard section

and then fixing all the dents, and then fixing all the dents your going to put in the junk yard panle from removing it from the section

and then dry fitting the panle, and then putting all the parts back on to make sure you have nice gaps, and then taking it back off, to prep the mating flanges and the junk yard panle for panle bond

and then panle bond goes on both new panle and the cars mating flanges, do you over clamp?? no you dont panle bond has glass beads in it that you hear crack when clamped to tight and then the panle bond is no goog and will not bond

and then on the d-pillar or sail panle what kind of joint is used, well you can do a open butt, open butt with backing, a lap joint, a lap joint with spot welds

so please dont make it sound so easy when its not

[meadus101]

+1 More noob Owned by Bdyman.

[mbeals]

Yea... I'm adventerous when it comes to repairs, but not THAT adventerous. Besides, my wife actually needs to use the car and she'd be pissed if I had it in pieces for the 6 months it would take me to get all of that sorted out (factoring in my typical luck).

I haven't had a chance to bring it into the shop for an estimate, but am going to try this week. The chief bodyman at the shop is my neighbor though, so I'm hoping that will help.

If worse comes to worse, ill just drill the panel, pull it back out and seal and paint the damage.

[freeze12]

well your about 40% right, but lets mention that you have to, pre pull the sheet metal first, not to mention tear the car down, remove all the glass the interior, the seats, the 1/4 trim, package shelf

and then you spend about a good day of drilling EVERY spot weld and the using a torch to break up the panle bond, and then doing the same thing on the junk yard section

and then fixing all the dents, and then fixing all the dents your going to put in the junk yard panle from removing it from the section

and then dry fitting the panle, and then putting all the parts back on to make sure you have nice gaps, and then taking it back off, to prep the mating flanges and the junk yard panle for panle bond

and then panle bond goes on both new panle and the cars mating flanges, do you over clamp?? no you dont panle bond has glass beads in it that you hear crack when clamped to tight and then the panle bond is no goog and will not bond

and then on the d-pillar or sail panle what kind of joint is used, well you can do a open butt, open butt with backing, a lap joint, a lap joint with spot welds

so please dont make it sound so easy when its not
I DID NOT MAKE ITSOUND EASY as You are not the only body repair specialist on this forum.Just the mention of rear quarter replacement would make any novice shake & I did not go through all the BS steps like You did as He will inquire if it will be done. Any idiot knows that no one would use 2 gallons of bondo to fix that or try pulling it out looking at the hit & rot.....Thanx

[freeze12]

+1 More noob Owned by Bdyman.
Not a noob as I have been on a lot longer than You wize a_ _

[bdyman]

I DID NOT MAKE ITSOUND EASY as You are not the only body repair specialist on this forum.Just the mention of rear quarter replacement would make any novice shake & I did not go through all the BS steps like You did as He will inquire if it will be done. Any idiot knows that no one would use 2 gallons of bondo to fix that or try pulling it out looking at the hit & rot.....Thanx


ohhhhhhhhhhhhhhh, well if you are a tech a tech would know that you always pre pull metal, and pre pull the way the car was hit, i know for a fact i can fix that 1/4, and why would we go and cut the junk yard section our selfs as you stated

when the shop calls the junk yard, they cut the section, and brings it to us, and then we get paid, clean up time, to fix any damage and or rust, well i like posting correct information, your "2 part adhessive" or whatever you called it is not informative enough for people that are not in the automotive field

so you saying your a tech and or journeyman i highly doubt it, if you are good for you then post correct info, post correct procedures, post i-car correct procsdures, for the "lament" to understand

as a matter of fact i sent this pic to a friend of mine first response from him was "ya ok its fixable" like i said from the get go, and experience also plays into that as well, me i would start at the wheel house pull there, weld one of my plates at the body line and POP watch the dent walk right back out
remove the 1/4 trim, and work the rest of the metal from behind the panle, and then apply a corrosion resistant body wax inside the panel

see stuff like that would tell anyone "hey this guy knows his stuff" you post "2 part product" hey this guys a retard see the difference

[mbeals]

I finally got a quote. $1200 to repair it minus my $100 deductable.

My wife told her dad about the wreck and he decided that he was just going to buy us a new car, so the hoe is going to be retired by summer. However, since my truck doesn't do winter, I'm hanging on to it for a winter/project car. I can tear down the hoe in the summer while I drive my truck then flip flop in the winter.

I'm going to talk to the adjustor and see how much of a difference in our rates it would make if they don't have to pay out and just live with the dent or try and pull it myself. What would it take to pull this dent out and get the panel back to ~90%? Is it something someone with no body experience could pull off?

[jackal2000]

what good is a truck if it doesn't do winter?

[mbeals]

what good is a truck if it doesn't do winter?

It does summer REALLY well. Its a 2wd, regular cab 5 spd dakota, so it would suck in snow regardless. Add in the 2/3 drop, wide ass (summer performance) tires and torquey bottom end, and it is literally useless in snow. However all of that makes it a hell of a lot of fun on dry pavement.

[kwhauck]

It does summer REALLY well. Its a 2wd, regular cab 5 spd dakota, so it would suck in snow regardless. Add in the 2/3 drop, wide ass (summer performance) tires and torquey bottom end, and it is literally useless in snow. However all of that makes it a hell of a lot of fun on dry pavement.

stock motor and wide tires, does not equal fun in my world.....

[mbeals]

Its not a stock motor. it has some intake porting, exhaust work and a tune. Not a ton of work yet, but the lack of a DD was what had been been keeping me from swapping the cam and any other project that might require it being in pieces for a few days.