Totaled My Camaro :-( Need Advice. - Page 3 - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

mikeyg36 · 02-04-2013, 03:33 PM

That blows. Sorry about the car, but glad you're okay.

camarored97 · 02-04-2013, 03:52 PM

Had a very similar thing happen to me in my 95 Camaro. They settled the cost for my car repair within a very short time. The money for medical bills and lost wages took 6 years and a court settlement. DO NOT!!!!! miss any docters appointments. The other lawyer will say " I guess you were not hurt that bad if you missed an appointment". Document the shit out of everything. They will ask you some weird questions during the dispostion.

PYROLYSIS · 02-04-2013, 04:50 PM

I'm no expert but you may have dialed in too much camber.

Caspers2SSRS · 02-04-2013, 05:07 PM

Quote:

Originally Posted by camarored97

Had a very similar thing happen to me in my 95 Camaro. They settled the cost for my car repair within a very short time. The money for medical bills and lost wages took 6 years and a court settlement. DO NOT!!!!! miss any docters appointments. The other lawyer will say " I guess you were not hurt that bad if you missed an appointment". Document the shit out of everything. They will ask you some weird questions during the dispostion.

The insuring party will attempt to starve you out. If you're relying on a settlement and they know you really need it...be prepared for the long haul. The lawyers for the otherside will know everything about you, long before deposition and whether they ever allow the case go to trial... your lifestyle, education, job/employment history, your net worth, credit worthiness/ history, debt to income ratio, pre existing/past medical history, existing disabilities %'s, and anyother tort or injury suits you've ever been a party of/too including settlements. You'll be completely exposed from a-z before the real excitement begins. Don't ever take it personal....or you'll stay upset. Good Luck~

Mr. iNCREDIBLE · 02-04-2013, 05:09 PM

1. Don't take the first offer

2. Get a lawyer

FAIRNOT LZ1 · 02-04-2013, 05:12 PM

Glad to see your alive!! Them pic's speak volumes for the safety of a Camaro!!!!

Like a few have said on this thread ...GET A LAWYER!!!!!
AND don't talk to anyone but your lawyer!!!! Please!!!

Sapper12b · 02-04-2013, 05:15 PM

Man that hurts just looking at it! So glad that you made it out alive.

Quote:

Originally Posted by Mr. iNCREDIBLE

1. Don't take the first offer

2. Get a lawyer

I am no insurance adjuster but I would consider that totaled. Just like what mister incredible said get yourself a lawyer.

*The_Blur* · 02-04-2013, 05:31 PM

This is why you buy GAP coverage. You never know what will happen. It's good to see that you're not injured.

blahzay · 02-04-2013, 05:42 PM

Yeah I already have a lawyer. Im just doing what he's asking me to do which is going to therapy 3 times a week for 2 months.

But when the accident happened I felt snug behind the wheel. The safety of the camaro is top notch!

crustychev · 02-04-2013, 05:45 PM

And I'll bet just about every arse pick that drove by would have blamed the flashy Camaro even if you were only doing 60 in the hammer lane.

newb · 02-04-2013, 05:53 PM

I was hit by a drunk driver once. The insurance will buy the car from you as though it is in mint condition. They will pay fair market value for the car. That means what it will cost to replace it plus TTL. They usually pick a radius around your hometown and pull selling prices of comparable vehicles. Then they average them. You have the right to see the list used and eliminate all that do not compare. Like the 100k miles cars or the salvage titles and so on. The car side of the settlement is pretty straight forward and they will move pretty quickly to get it settled. The personal injury side is much slower. Took me almost two years to get to a settlement.

Good luck and glad your ok.

06_warrior · 02-04-2013, 06:15 PM

Quote:

Originally Posted by The_Blur

This is why you buy GAP coverage. You never know what will happen. It's good to see that you're not injured.

+1 I always get GAP insurance now. I bought a Saturn new 10 years ago or so and didn't have GAP insurance. A guy cut me off in a pickup truck and my car got totaled out and the insurance paid my loan off except $600.00. I was pretty pissed at the time. I will never buy a car again without GAP insurance. I want to atleast walk away from a car not owing anything on it if it gets totaled.

newb · 02-04-2013, 07:20 PM

Not meaning to thread jack but I don't buy gap insurance because I make sure there is no gap. Buy at the right price and keep your loan under 60 mo and pay a little extra is my gap insurance.

RollaMo · 02-04-2013, 07:53 PM

Quote:

Originally Posted by newb

Not meaning to thread jack but I don't buy gap insurance because I make sure there is no gap. Buy at the right price and keep your loan under 60 mo and pay a little extra is my gap insurance.

Good advice!

But for those that just can't wait and gotta have the car today, gap insurance is a must.
As soon as they drive it off the lot, they owe way more on the car than it is worth.
So, when bad things happen they are in serious financial trouble.

Too many people assume if they total a car, their insurance will just buy them a new one.

02-04-2013, 04:50 PM	#31
PYROLYSIS Remember the Charleston 9 Drives: 2004 KME PREDATOR, 2014 2SS/RS/1LE Join Date: Nov 2008 Location: Summerv1LE SC Posts: 5,381 View My Garage	I'm no expert but you may have dialed in too much camber. __________________ BRING BACK THE B4C POLICE CAMARO! 2002 V-6 5 speed rally red (current camaro) Also driven:1992 Z-28 305 auto Red w/ black stripes (anniversary), 2001 V-6 auto light pewter metallic,1991 RS V-6 auto Black

02-04-2013, 05:09 PM	#33
Mr. iNCREDIBLE Drives: 2012 2SS/RS Convertible Join Date: Aug 2012 Location: SoCal Baby... Posts: 2,530	1. Don't take the first offer 2. Get a lawyer __________________ *I'm only responsible for what I say, not for what you fail to understand.*

02-04-2013, 05:12 PM	#34
FAIRNOT LZ1 It's in black & white Drives: 2012 ZL1 Summit White #1366 Join Date: Jul 2012 Location: Vernon CT Posts: 1,855 View My Garage	Glad to see your alive!! Them pic's speak volumes for the safety of a Camaro!!!! Like a few have said on this thread ...GET A LAWYER!!!!! AND don't talk to anyone but your lawyer!!!! Please!!! __________________ FAIRNOT ZL1

02-04-2013, 05:31 PM	#36
The_Blur Moderator Drives: 2018 Harley-Davidson Street Bob Join Date: Nov 2007 Location: San Diego Posts: 14,769	This is why you buy GAP coverage. You never know what will happen. It's good to see that you're not injured. __________________ RDP Motorsport//GEN5DIY//Cultrag Performance//JPSS//Rodgets Chevrolet// Operation Demon//Buy at Invoice//RACECARWEAR RESPECT ALL CARS. LOVE YOUR OWN. warn 145:159 ban

02-04-2013, 05:53 PM	#39
newb Drives: 2013 1LE Join Date: Feb 2012 Location: DMV Posts: 1,548	I was hit by a drunk driver once. The insurance will buy the car from you as though it is in mint condition. They will pay fair market value for the car. That means what it will cost to replace it plus TTL. They usually pick a radius around your hometown and pull selling prices of comparable vehicles. Then they average them. You have the right to see the list used and eliminate all that do not compare. Like the 100k miles cars or the salvage titles and so on. The car side of the settlement is pretty straight forward and they will move pretty quickly to get it settled. The personal injury side is much slower. Took me almost two years to get to a settlement. Good luck and glad your ok. __________________ It's a Dingledarm. It's there to dampen side fumbling. If your marzelvanes fumble too much they can cause total protonic reversal. It gets ugly from there. This is really the biggest problem with the new Camaro. That and the tri-pronged blivot. Delivered 21 Jan 2013

02-04-2013, 03:33 PM	#29
mikeyg36 Drives: 2015 Z/28 #533 Join Date: Jul 2012 Location: NY Posts: 6,731	That blows. Sorry about the car, but glad you're okay.

02-04-2013, 03:52 PM	#30
camarored97 Drives: 2012 2SS 45th Join Date: Aug 2012 Location: Sierra Vista, AZ Posts: 53	Had a very similar thing happen to me in my 95 Camaro. They settled the cost for my car repair within a very short time. The money for medical bills and lost wages took 6 years and a court settlement. DO NOT!!!!! miss any docters appointments. The other lawyer will say " I guess you were not hurt that bad if you missed an appointment". Document the shit out of everything. They will ask you some weird questions during the dispostion.

02-04-2013, 05:42 PM	#37
blahzay Drives: Camaro SS Join Date: Jun 2010 Location: California Posts: 228	Yeah I already have a lawyer. Im just doing what he's asking me to do which is going to therapy 3 times a week for 2 months. But when the accident happened I felt snug behind the wheel. The safety of the camaro is top notch!

02-04-2013, 05:45 PM	#38
crustychev Drives: 2013 ZL1,1972 Dart, 1947 Willys Join Date: Sep 2012 Location: Ontario Canada Posts: 84	And I'll bet just about every arse pick that drove by would have blamed the flashy Camaro even if you were only doing 60 in the hammer lane.

02-04-2013, 07:20 PM	#41
newb Drives: 2013 1LE Join Date: Feb 2012 Location: DMV Posts: 1,548	Not meaning to thread jack but I don't buy gap insurance because I make sure there is no gap. Buy at the right price and keep your loan under 60 mo and pay a little extra is my gap insurance. __________________ It's a Dingledarm. It's there to dampen side fumbling. If your marzelvanes fumble too much they can cause total protonic reversal. It gets ugly from there. This is really the biggest problem with the new Camaro. That and the tri-pronged blivot. Delivered 21 Jan 2013