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Cosmetic Maintenance: Washing, Waxing, Detailing, Bodywork, Protection Anything related to keeping your Camaro clean and in good cosmetic condition.

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Old 10-16-2012, 12:54 PM   #1
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So someone backed into my car...

I was at a gas station getting ready to park when some guy backed out way too fast without apparently checking his rear mirrors. Lo and behold my driver side door looks as if it's been hulk smashed (alright, it could ALWAYS be worse...). Called the cops, no PR as it was private property but he was able to at least verify most of his information. Now I'm left debating whether I should pressure the insurance company to just cover the price of a new door instead of repairing it. Just bought my car a bit over a month ago after selling my Mustang so I'm kinda bummed out. Feeling kinda unsure of whether a shop could really perfectly match the paint (ashen grey). Any advice? Kinda wish I was driving my 'stang yesterday.
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Old 10-16-2012, 01:17 PM   #2
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Dang, sorry to hear that :(

If you are truly worried about repairs, I would try to get a new door. However, I'm not too sure how that works with the insurance comany...

It'll get fixed either way!
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Old 10-16-2012, 01:46 PM   #3
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A good repair/paint shop should be able to match paint perfectly...no worries. Even though most shops even guarantee their work I would still try to pressure the insurance company for a new door though. No one wants bondo on a new car.
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Old 10-16-2012, 02:49 PM   #4
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Sorry to hear of the accident...those are never fun. I hope everything gets fixed up how you want and you have no further troubles. Good luck!
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Old 10-16-2012, 02:51 PM   #5
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You say you are worried about them repairing the door and matching the paint, so you would rather get a door. But they would have to match the paint anyway. Don't worry about the paint matching they have it it down to a science. As for the repairs, check around and get a good shop and you'll never know the difference.
Good luck.

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Old 10-16-2012, 03:00 PM   #6
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Old 10-16-2012, 03:25 PM   #7
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the insurance company will do whatever is the most cost efficient for them. In most states
they must work with your selected repairer to get an agreed price.
I would not push for a new door- Remember it's only a replacement "shell", so lots
of labor is involved and few techs can reassemble one as good as the factory.
Also, if used correctly, bondo is no longer a dirty word in the industry. It's utilized at the factory.
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Old 10-16-2012, 03:46 PM   #8
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Updated. Maybe it's not as bad as it looks, I don't know. I'm crushed nevertheless because I worked my butt off to buy it. Just recently turned 19 so this was supposed to be a gift for myself
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Old 10-16-2012, 03:50 PM   #9
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I had something very similar happen a few months ago. Had it fixed in 6 days by stingray chevy. Good as new, you would never know.




now back to show shape:
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Old 10-16-2012, 03:59 PM   #10
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Sorry to hear about your door, but at least the rear quarter panel isn't damaged....I'm trying to be a little optimistic. I'd push for a new door, and I'm thinking you'll end up with one anyway. I wouldn't worry about the repairs being done properly as long as you can find a competent shop. Maybe someone in your area can recommend one.
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Old 10-16-2012, 04:46 PM   #11
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i completely agree, be thankful it did not hit the quarter panel. I work at a body shop and if they dont replace that door.. well id be very shocked. hopfully there is no inner structure damage, a new door, handle and paint and you should be good to go, they may blend the fender,quarter panel just to match paint but its tough to say.

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Sorry to hear about your door, but at least the rear quarter panel isn't damaged....I'm trying to be a little optimistic. I'd push for a new door, and I'm thinking you'll end up with one anyway. I wouldn't worry about the repairs being done properly as long as you can find a competent shop. Maybe someone in your area can recommend one.
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Old 10-16-2012, 05:12 PM   #12
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Ouch! Sorry to hear that :(
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Old 10-16-2012, 05:19 PM   #13
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Quote:
Originally Posted by myold88 View Post
the insurance company will do whatever is the most cost efficient for them. In most states
they must work with your selected repairer to get an agreed price.
I would not push for a new door- Remember it's only a replacement "shell", so lots
of labor is involved and few techs can reassemble one as good as the factory.
Also, if used correctly, bondo is no longer a dirty word in the industry. It's utilized at the factory.
I agreed with myold88 on this, find out what they will do and shop around and don't forget to ask questions and write them down. Sorry to see this happen to you.
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Old 10-17-2012, 07:21 AM   #14
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You need an outer door panel and impact bar if both are available.
The door itself will not be repaired, but replaced if additional inner damages are found.
As a long time multi line adjuster I believe you can't complete an accurate estimate from a photo.
Good luck with the insurance company and repairs.
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Old 10-17-2012, 01:03 PM   #15
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So his insurance just contacted me asking whether I'd like to complete the claim process with them or continue on with my own insurance. The girl I spoke to informed me an adjuster would stop by my house to examine my car and they would then issue me a payout I could use to go to any location to fix it. I believe my own insurance asks that I take it to three shops of their choosing before averaging an estimate. Not sure which I should pursue.
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Old 10-17-2012, 01:07 PM   #16
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I would not let them plate it if I could stop it in any way, a new door is the way to go....but as said before, depends on how good your insurance comapny is....the cut rate ones are great until you need them
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Old 10-17-2012, 01:10 PM   #17
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So his insurance just contacted me asking whether I'd like to complete the claim process with them or continue on with my own insurance. The girl I spoke to informed me an adjuster would stop by my house to examine my car and they would then issue me a payout I could use to go to any location to fix it. I believe my own insurance asks that I take it to three shops of their choosing before averaging an estimate. Not sure which I should pursue.
Go and get it appraised now, if the adjuster gives you more than the estimate, a new door and paint shouldnt have hidden costs, then take it, if they try to give you less dont take it, or at least dont cash it....most states, cashing a payment check is legally accepting it as payed unless contract says different.....and dont sign anything as it may have small print stating accepting thier check is agreeing to payment in full, just in case.

Personally I wouldnt sign anything beyond a release to work on the car until everything is fixed to your satisfaction......

And dont fall for the attempt to get your insurance to pay, it will be a hit on you no matter what they say, when I got rearended on I85, no doubt about it being the guys fault, his insurance company, Allstate, the company owned by the devil, jacked me around for three months, they paid on the last day of the mandatory 90 day settlement requirement,with the "we are having problems, just claim it on your insurance and they will get the money from us, it will be faster" BS.....they are in cahoots about it and will use every devious and underhanded way to cost you more.......
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Old 10-17-2012, 02:04 PM   #18
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^^^ Not so. Getting a lot of estimates is a waste of everybodys time.
Just take the other companies estimate to the shop of your choice and get the car repaired.
If additional damages are found the repair shop will work it out with the insurance company via a "Supplement".
This is the normal procedure and your only concern should be getting your car repaired, not the cost.
The dollar amount is between your selected repair shop and the insurance company.
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Old 10-17-2012, 02:15 PM   #19
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^^^ Not so. Getting a lot of estimates is a waste of everybodys time.
Just take the other companies estimate to the shop of your choice and get the car repaired.
If additional damages are found the repair shop will work it out with the insurance company via a "Supplement".
This is the normal procedure and your only concern should be getting your car repaired, not the cost.
The dollar amount is between your selected repair shop and the insurance company.
Thanks, I think I found a good shop I think I'll stick with. They also believe it'd likely be easier to replace the door. Now my only concern is whether I'd be able to get a rental car while the work is being done. I'm sure the insurance would pay for it but it doesn't seem like anyone allows anyone under 25 to rent a car.
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Old 10-17-2012, 02:21 PM   #20
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^^^ Not so. Getting a lot of estimates is a waste of everybodys time.
Just take the other companies estimate to the shop of your choice and get the car repaired.
If additional damages are found the repair shop will work it out with the insurance company via a "Supplement".
This is the normal procedure and your only concern should be getting your car repaired, not the cost.
The dollar amount is between your selected repair shop and the insurance company.
He stated the insurance adjuster was coming buy and cutting him a check...are you willing to guarentee that if there are additional costs and the insurance company then comes back and says you accepted our payment, that you will pay the difference?

you have to cover yourself all the time
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Old 10-18-2012, 04:10 AM   #21
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He stated the insurance adjuster was coming buy and cutting him a check...are you willing to guarentee that if there are additional costs and the insurance company then comes back and says you accepted our payment, that you will pay the difference?

you have to cover yourself all the time
I'm worried about this too. So my quote from one shop is $3,024. The guy said their shouldn't be hidden costs but he couldn't be entirely sure as he would need to check to see if there was any damage under the door; he would be replacing the door shell. 28 hours of labor total to prepare everything and paint the door, fender, and quarter panel. Now if they cut me a check for say $3,500 and there ends up being more hidden damage? Ehh this is turning out to be a good learning experience though. I'm not sure if the supplement rule would apply since I'm dealing directly with them, not my insurance.
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Old 10-18-2012, 10:04 AM   #22
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Quote:
Originally Posted by Rhyder View Post
He stated the insurance adjuster was coming buy and cutting him a check...are you willing to guarentee that if there are additional costs and the insurance company then comes back and says you accepted our payment, that you will pay the difference?

you have to cover yourself all the time
Cashing the insurance company check for the visable obvious damage means nothing. The insurance company owes for the damages to the vehicle, and inner damage is always possable and "open" for another inspection after the repairs are started.
Why would you cash the check to fix the car before the repairs are completed anyway ? You don't need the funds until after the repairs !
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Old 10-18-2012, 10:25 AM   #23
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Cashing the insurance company check for the visable obvious damage means nothing. The insurance company owes for the damages to the vehicle, and inner damage is always possable and "open" for another inspection after the repairs are started.
Why would you cash the check to fix the car before the repairs are completed anyway ? You don't need the funds until after the repairs !
I definitely won't be cashing the check. The appraiser called though and is set to be here in an hour and so I didn't want to screw myself over. I really am appreciating all of your insight though, it's helping me out a ton.

Update: Appraise was nice, he gave me an estimated quote of $2,500 so with the shop quoting me $3,02*. The appraiser and shop will negotiate and reach a deal with any additional supplements being billed to them. Getting a rental for a week and all should be good. The experience wasn't all that bad for my first collision.

Last edited by Am17; 10-18-2012 at 12:10 PM.
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Old 10-19-2012, 12:32 PM   #24
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^^^ Way to go !
So many insureds &/or claimants are only interested in the dollars, and just make a lot of hassel and work for everyone.
In almost every insurance loss it's best to get the vehicle to the body shop of their choice and let the them work out the details.
That's their job. Good luck with the repairs.
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Old 10-19-2012, 01:04 PM   #25
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Good luck the body shop should be able to make it as good as new.
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