Painful topic, could use some advice....

[Rogue Leader]

Originally Posted by bolteon593

i mentioned in my post i might be wrong due to other states having different rules when it comes to insurance coverage...


you on the other hand throw information out there as fact and dont bother to mention that yes in fact you have the professional qualifications to state the facts...

it would help if you at least identified yourself, or as i suggested just suggest the ideas.

being less of a reactionary would help also.

Before saying that I am wrong maybe you should do your own fact checking. I apologize if I come off as terse or mean, I did not mean to come off that way. Unfortunately the misnformation flies everywhere when it comes to insurance here and on many other forums. Unfortunately it confuses everyone involved, and makes it that much harder for anyone to believe anything said.

[two_wheel_mayhem]

My advice to you in your situation would have been not to get the police involved.

Now since there is a report on file, you and your dad get to have your licenses suspended for a while, and pay high-risk insurance to get them back.

Sorry about your car.

[iPODFAN11]

...I think I heard about this very incident while at work...co-worker is friends with someone out that way...glad your father is ok...but...why would anyone be driving such a car in the storm today in the first place?

Personally, I wouldn't choose any of those options.

1: IMO, I don't think you will fetch anywhere near 8k for it.

2: Rebuilding would cost more than 16k.

3: If you rebuilt, and then put performance mods on it, you would have basically bought the same car twice all said and done.

4: Why the heck, was a car with 4,000 miles, still not insured!?!?!? That should have been done day 1!! (unless you only insure it from lets say april/may till october/november)

[Beauwulf]

Don't know if this is an option but.... check it out. It's been on Fleabay for a while so you might get lucky with the price! Also check what comes with it....

http://cgi.ebay.com/ebaymotors/Chevy...item563740a0eb

[Matrix]

Firstly, I am deeply sorry for your loss. Seriously I am . I read your intial post with my jaw dropped to the floor. I was half expecting a kind of April fools or a joke at the end but none came and I was just devestated for you.

Second, keep the car and do it up slowly. Buy another really nice used on and MAKE your father pay for half in installments. Take your time rebuilding the other and sell it WITH an accident report. You will sleep better at night for this, knowing that you did not dupe anyone. Karma has a way of always coming back to bite you!

Thats what I would do.

Again, sorry for your loss.

Mine is winterzied, on four jacks but it is insured (storage). You CANT and MUST NOT take any chances.

[Diabel1969]

Well, I got the parts prices, and in all honesty, not bad, I was figuring ALOT worse.. Subframe $640.00, fenders $135.00, hood $451.00.. I didn't get a price on the rad support though, so i'm going to have to do some digging on that, and the bags. I'm sure there'll be more expences once we get it pulled, alot of wadded up sensors, small pieces of wire harness damage, but my main concern is the drivetrain. He stated that the engine was still running after the accident, and he turned it off as soon as he could, but he couldn't say if it had any gears, so tranny is on my mind... As a joke he told me tonight to pull the drivetrain and put it in one of my G body cars, and I told him i'm putting a big block in that car. I told him that with the parts prices, depending on if/when we can get all the factory specs on the pull, and my friends price estimate, we may be fixing this and keeping it. I think I may have discovered the issue with the drivers side door glass soo, so i'm going to be pulling apart that door maybe this weekend and getting that glass up to seal the car up better instead of the plastic, and car cover i've got over it now.

Now comes another dilemma.. with maybe a twist of humor to it... I was supposed to run this car in 100% stock trim, and then we were going to mod it seeing what each mod did. Now, depending on the outcome of our weekend discussions, I don't see any sense of buying some parts stock, only to replace them with aftermarket performance parts. IE air intake, ect... So, although mildly bummed about that, I guess we'll have to live with it!

[jimmie.briseno]

I say instead of dropping 15k+ to repair your broken baby, you should sell your car for whatever you can get for it and then start frsh with a new camaro. that 15k you would drop to "try" and repair your car is better spent on a new camaro and start from sratch. That way if you upgrade your car you dont have to worry about a cracked or bent frame or other unseen damage.

PM with a sell price outta curiosity if you go this route. I have a few people in my area that purchase totaled vehicles.

[DkknightX]

Originally Posted by Rogue Leader

Before saying that I am wrong maybe you should do your own fact checking. I apologize if I come off as terse or mean, I did not mean to come off that way. Unfortunately the misnformation flies everywhere when it comes to insurance here and on many other forums. Unfortunately it confuses everyone involved, and makes it that much harder for anyone to believe anything said.

You know Brick, by looking at your profile, you sound like a fun guy to hang with, but your are pretty darn harsh on everybody when you respond. Lighten up man.

[Diabel1969]

Originally Posted by Beauwulf

Don't know if this is an option but.... check it out. It's been on Fleabay for a while so you might get lucky with the price! Also check what comes with it....

http://cgi.ebay.com/ebaymotors/Chevy...item563740a0eb

Man, if that was the SS clip, i'd be all over it!! Thanks for the listing though, I just em'd the guy to see if he had one for an SS.

[Merc]

Originally Posted by Diabel1969

Well, My father took out the camaro, got a little loose in some snow, etc.. bounced off a couple guard rails, and tagged a tree with it head on. I got the car hauled back to my place, and it's under cover after I pulled the front tin off of her, and it's bad. Really bad. The ultimate slap in the face is the car was not insured. I can describe the damage, but would really rather not post pics of it at this moment. Light scuff down drivers quarter mostly at wheel well front and rear of it (crease actually). Deep scuff down passenger front fender, actually tore the metel hit the door, and creased it at the front of the door, and light scuff in pass quarter. The nose is completely destroyed, header non existant, egg crate gone, hood was pushed into windshield, and broke that, tree went glancing blow off of front bumper support/impact support, and sheered the driver side strut tower clean off of the cradle, kicking back the wheel, breaking the wheel, and also tweaking the front subframe. driver side air bag blew, along with curtain air bags. Car's got just under 4000 miles on it, and i'm actually sick over it. it rolled in the radiator support so bad that it's wadded up in the shape of the tree, pushed up to the driver side strut tower, radiator, ac condensor both history. Now, i'm no stranger to this type of damage, as I worked in a few shops that did this type of work only, however since we owe some money on the car still, and it was a personal loan, i'm actually at the point of trying to sell it. Because insurance was not involved, the title is clear, and carfax is also good on it, but it's obviously totaled. What is this car worth in it's current condition? I'd like to say it still runs, but I haven't fired it. We've got a guy interested in it, but he's thinking he's going to steal it.

Now, i've got 3 ideas. Let it go for highest offer, say on ebay in as is condition, not sure if running (alot of sensors and some harness got damaged, and until I can verify the damage IE physically inspect drivetrain with the radiator support pulled off of it, and verify no leaks), i'm not turning that key. I'm figuring at BEST, I could hope for is between $8,000, and $10,000.

Idea 2 is haul her over to my friends frame shop, we drop the cradle on the bent subframe, verify integrity of engine/tranny, hardware, replace sensors, etc, replace subframe with suspension components, put car on the rack and pull the unibody/cradle straight, drill out rad support, spot in new one, re weld strut tower to factory specs, reinstall drivetrain, add radiator, replace 1 wheel with tire, and make her a running moving roller needing just sheetmetel and a few bumps removed. At this point, depending on parts prices, i'm figuring at best, I could hope for is $16,000. Is this step worth it? Anybody have any ideas on what these parts cost?

Idea 3. do idea 2, but while engine is down, change cam, intake, do a few other mods, reinstall, hang sheet metel, finish car up and keep her but take the huge hit on the parts, and some on labor?

Any input would be appreciated.. Unfortunately, I never got to run this car at our local track, from seat of pants feel, i'd say she was capible of low low 13's, maybe a high 12 with the right air.

Thanks for any and all constructive input!!

Please no bashing... he's been bashed enough by me...

Is Dear Old Dad offering to help pay for the damage!

[Det57]

Originally Posted by D1BADZ

park it, get insurance, file a claim 2 weeks after getting insurance.

Insurance comp will not need to look at the car to give you insurance.

You guys ARE kidding I hope.....yeah right.....and AFTER he gets arrested for insurance fraud...he can add another $10,0o0 to his problems by having to hire an attorney and get him through court...

Thats a tough call.....I kinda lean towards selling the parts etc as well.....but it would make a heck of a project getting her back together.....but the question is.... would it ever really be right??

Good luck whatever you decide. It could have been much more tragic than it was.

[Kai-028]

From the sounds of things I would say option 3 is the best bet, but it would be costly and take a long time.

Instead of selling the car for parts as a whole, you could part it out yourself if you're good with a wrench, you'd get more money that way, then see if your dad can pay for the rest of it to put an order on a new one. The downside to this though is how many people are going to need parts yet? Most Camaros I've seen so far are completely totaled, but over time somebody will need or want it.

But who knows, maybe there are some parts that people will want. Personally I'm looking to price a set of the interior panel inserts like on the door and dash from a 2SS or 2LT (my gf has a 1LT and wants me to do some custom work).

But it's good that your dad is alright, hopefully it will all work out for you.

[ssump29]

Originally Posted by Rogue Leader

You might wanna be a bit more careful about making accusations that I don't know what I am talking about.

I was up until 2 years ago a licensed insurance agent in 40 states. so I DO know what I am talking about.

While the coverage is designed to cover you, insurance follows the vehicle. You are covered for your car, or if you rent a car, as well you are covered for excess if you borrow someones insured vehicle beyond what their policy covers.

You however are NOT covered for collision if you borrow and do not own a car. Insurance is for the protection of YOU and your insurable interests. When you buy an auto insurance policy you are paying to insure property that you own or have an insurable interest in (such as if you lease a car you still have insurable interest even thought he bank owns it). The difference if you're buying a car is you do have insurable interest there, if the title is in your posession (say you are buying a car from a guy one town over and you drive it home from his place without registering it or calling your company, that IS covered because you have insurable interest).

A car you borrowed form someone with no insurance on it will not be covered.

Now I will admit to being slightly wrong here, as ssump you are in Michigan which has some whacked out insurance laws. But the only reason your policy covered the car is because it was insured in the first place. Also were you on the same policy or a subset of the same policy as your brother at the time?
The OP is from NY. This does not apply. He has no coverage for it except for the situations I mentioned as per NYS insurance guidelines.

Before you make suggestions get your facts straight, or call your insurance company for clarification.

No, and No two different policy two different insurance companies. I have progressive and he has all state. When I made the claim I was told that my insurance covers me and my cars, but if I was driving another car that belongs to someone else that my insurance would cover the damages. However I was told that if I was driving a car on my own policy that I had taken insurance off of and had any situation where the car was damaged that it would an out of pocket expense.

Although my brother did have his car insured, his insurance company was never involved in the claim and never knew of the accident.

But yes every state is different and sometimes every insurance company is different also in what they will pick up.

[DarrenJ]

Originally Posted by Diabel1969

car was paid off in a fashion... small personal loan exists on it, not car loan. Insurance was pulled off of the car for the winter season, and he was driving it to a bigger storage facility... Yes, summer pir's were on it still... The reason the car is worth anything at the moment is because of what it is for 1, and for 2, with no insurance on it, it has a clean title, no salvage cert, and no carfax damage to it. Paper wise, it's still a brand new, never been smashed car, and if fixed properly, will retain that status. Which is what the body shop guy is thinking I believe.

Thanks for the input so far.. I'm actually stuck on option 1, or option 3 myself.. My thought is if I go the distance to slide a new sub frame under it, and pull it straight welding up what needs to be rewelded, I might as well finish it..

Your insurance is primary so no primary insurance...Dad's insurance is secondary which would now be primary. If you want it fixed, I'd see if I could turn it in to dad's insurance.