Rear Ended, Is damage Fixable? - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

NOVAK · 02-28-2016, 06:24 AM

My 2011 2LT was slammed into on December 17th. I only have liability insurance and same for the guy who hit me. Looks like after I collect his $5000 property damage and my gap insurance covers the gap, I'll be left with 8-9k on the loan. Haven't had the chance to get under the car and inspect the suspension myself so was wondering what everyones initial thoughts are concerning the damage? I'm just trying to get the car back on the road so that I don't have to tow it everywhere. I believe that I just need to replace the shock assembly, control arms and a few other parts to straighten out the wheel. I'll need a new rim and tire as the rim is split in half. I haven't checked the brake caliper and rotor as of yet. Currently waiting to get the car towed to my fathers house to inspect the damage. Has anyone had a similar accident? What should I be most concerned about in regards to the repair? I'm all ears!

orbitearl · 02-28-2016, 06:38 AM

sad

fly2hip8 · 02-28-2016, 08:37 PM

Anytime you have a car loan your suppose to have full coverage insurance. Especially, on a car this expensive. Liability insurance sucks for a reason.

Dexman1349 · 03-01-2016, 12:31 PM

His liability insurance should cover your repairs if the accident was his fault. That's what liability is for.

mdolandese · 03-01-2016, 02:51 PM

I thought if you got a loan you had to have full coverage? Not just liability

fly2hip8 · 03-01-2016, 10:15 PM

Quote:

Originally Posted by mdolandese

I thought if you got a loan you had to have full coverage? Not just liability

That's what I was told by the dealership and my insurance agent.

And, Yes if he is not at fault the other insurance company will pay, however, since it's liability they will fight so they don't have to pay. Also, if he had full coverage insurance his car would be in the shop right now being fixed and then they would be working on figuring out whos paying for what, plus he would have a rental car as well.

FrostySS · 03-02-2016, 06:46 AM

So you have a car note and you only have liability? I know it's not cool to kick someone while they're down but why would you do this?

Yes, the damage is fixable. However how do you know he only has $5K in damage coverage? Usually "property" is stuff like mailboxes, fences etc. He'll most likely have way more for actual automobile coverage...if not your state is more messed up than we all thought lol

Irace16 · 03-03-2016, 07:51 PM

Just call his insurance company, his liability will cover it, that's the point of it

myold88 · 03-03-2016, 10:41 PM

OP: Why are you towing it to your father's house? Are you or him physical
damage experts? IMO get it to a body shop for a proper inspection by them
and the 3rd parties insurance company. The car has extensive mechanical
and body damages. The other carrier also owes you a rental car during the
time your car is being repaired, not while its sitting in a relatives driveway.

Dexman1349 · 03-04-2016, 12:28 PM

^^^^ Those are all assuming the OP was not at fault. If the OP did it, discounting the fact he didn't have full coverage, the OP would be responsible for the damage.

Either case, take that to a shop to be properly evaluated. Almost any reputable shop will give you a free, complete estimate of the work and parts needed to repair it. A couple of pictures in a discussion forum will not provide good evaluation.

arkentect · 03-04-2016, 12:43 PM

People on here are correct, if you have a loan on the car you're supposed to carry full coverage. Mine is still under the loan (not for much longer

) and I maintain full coverage even though she is stored through the winter, I was able to remove liability while in storage though I had to send pictures of the car in storage.

snarky · 03-04-2016, 02:35 PM

are there any holes in this story?

fly2hip8 · 03-06-2016, 08:33 PM

Since the OP hasn't responded I'm assuming so. If he is at fault he's screwed.

02-28-2016, 06:24 AM	#1
NOVAK Drives: 2015 ZL1 Join Date: Oct 2010 Location: California the Republic Posts: 522	Rear Ended, Is damage Fixable? My 2011 2LT was slammed into on December 17th. I only have liability insurance and same for the guy who hit me. Looks like after I collect his $5000 property damage and my gap insurance covers the gap, I'll be left with 8-9k on the loan. Haven't had the chance to get under the car and inspect the suspension myself so was wondering what everyones initial thoughts are concerning the damage? I'm just trying to get the car back on the road so that I don't have to tow it everywhere. I believe that I just need to replace the shock assembly, control arms and a few other parts to straighten out the wheel. I'll need a new rim and tire as the rim is split in half. I haven't checked the brake caliper and rotor as of yet. Currently waiting to get the car towed to my fathers house to inspect the damage. Has anyone had a similar accident? What should I be most concerned about in regards to the repair? I'm all ears! Attached Images

03-01-2016, 12:31 PM	#4
Dexman1349 2010 2SS/RS M6 Drives: 2010 2SS/RS M6 Join Date: Jun 2010 Location: Auckland, NZ Posts: 1,482	His liability insurance should cover your repairs if the accident was his fault. That's what liability is for. __________________ 2/7/2014: 419 hp, 419 tq Cosmetic: ZL1 front w/mailslot, painted stripes, powdercoated SS rims, tow hook, and full chrome delete Suspension: Pfadt subframe bushings, Pfadt rear UCA bushings, Z28 Upper control arms, Spohn trailing arms with BMR trailing arm & differential bushings, ZL1 Toe Rods and springs, Prothane radius arm inserts & steering rack bushing, Pfadt Sport front sway, FE4 conversion w/ DS rear sway, Pfadt strut brace Drivetrain: RMCR tune, CAI intake, Kooks headers, hi-flo cats & exhaust, VMAX TB, ZL1 fuel pump, LSR Tri-Ax shifter Bumblebee Racecar Build

03-02-2016, 06:46 AM	#7
FrostySS Drives: 2018 Redline Edition 2SS Join Date: Dec 2014 Location: Mays Landing, NJ Posts: 778	So you have a car note and you only have liability? I know it's not cool to kick someone while they're down but why would you do this? Yes, the damage is fixable. However how do you know he only has $5K in damage coverage? Usually "property" is stuff like mailboxes, fences etc. He'll most likely have way more for actual automobile coverage...if not your state is more messed up than we all thought lol __________________ 2018 Redline Edition 2SS- A8, NPP, MRC, Recaro seats, ECS Novi 1500 tuned by EFX, cat deletes, Mighty Mouse Wild CC, GM STB, smoked ZL1 3rd brake light, Xpel XR Black 35% tint all around, Street Scene front splitter, C7 Carbon ZL1 side skirts Drake Muscle Car wicker bill, Adams Polishes Ceramic Coating 2010 Infiniti G37x Sedan for the DD.

03-03-2016, 07:51 PM	#8
Irace16 Drives: 2010 1SS RS M6 Join Date: Jan 2015 Location: Appleton, Wisconsin Posts: 521	Just call his insurance company, his liability will cover it, that's the point of it __________________ Vararam intake, gmpp exhaust, borla stainless long tubes, cat less, jannetty tune, bmr lowering springs, heritage grill , smoked lenses

03-03-2016, 10:41 PM	#9
myold88 Drives: SUMMIT WHITE 2SS/RS CAMARO Join Date: Feb 2008 Location: 2018: Lakewood Ranch, Fl. Posts: 8,167 View My Garage	OP: Why are you towing it to your father's house? Are you or him physical damage experts? IMO get it to a body shop for a proper inspection by them and the 3rd parties insurance company. The car has extensive mechanical and body damages. The other carrier also owes you a rental car during the time your car is being repaired, not while its sitting in a relatives driveway. __________________

02-28-2016, 06:38 AM	#2
orbitearl Drives: 2010 r/s switchblade metalic Join Date: Oct 2011 Location: United States Posts: 283	sad

02-28-2016, 08:37 PM	#3
fly2hip8 Drives: 2013 Camaro 2SS Join Date: Aug 2013 Location: Kansas Posts: 342	Anytime you have a car loan your suppose to have full coverage insurance. Especially, on a car this expensive. Liability insurance sucks for a reason.

03-01-2016, 02:51 PM	#5
mdolandese Drives: 2013 ZL1 Victory Red Vert Join Date: Jul 2014 Location: Wauconda, Il Posts: 315	I thought if you got a loan you had to have full coverage? Not just liability

03-04-2016, 12:28 PM	#10
Dexman1349 2010 2SS/RS M6 Drives: 2010 2SS/RS M6 Join Date: Jun 2010 Location: Auckland, NZ Posts: 1,482	^^^^ Those are all assuming the OP was not at fault. If the OP did it, discounting the fact he didn't have full coverage, the OP would be responsible for the damage. Either case, take that to a shop to be properly evaluated. Almost any reputable shop will give you a free, complete estimate of the work and parts needed to repair it. A couple of pictures in a discussion forum will not provide good evaluation. __________________ 2/7/2014: 419 hp, 419 tq Cosmetic: ZL1 front w/mailslot, painted stripes, powdercoated SS rims, tow hook, and full chrome delete Suspension: Pfadt subframe bushings, Pfadt rear UCA bushings, Z28 Upper control arms, Spohn trailing arms with BMR trailing arm & differential bushings, ZL1 Toe Rods and springs, Prothane radius arm inserts & steering rack bushing, Pfadt Sport front sway, FE4 conversion w/ DS rear sway, Pfadt strut brace Drivetrain: RMCR tune, CAI intake, Kooks headers, hi-flo cats & exhaust, VMAX TB, ZL1 fuel pump, LSR Tri-Ax shifter Bumblebee Racecar Build

03-04-2016, 12:43 PM	#11
arkentect Drives: 2010 Camaro SGM 1LT M6 Join Date: Jan 2015 Location: Rochester, NY Posts: 1,630	People on here are correct, if you have a loan on the car you're supposed to carry full coverage. Mine is still under the loan (not for much longer) and I maintain full coverage even though she is stored through the winter, I was able to remove liability while in storage though I had to send pictures of the car in storage. __________________ Arkentect's Build Thread!! - UPSTATE C5 MEMBER 2010 SGM M6 1LT - SOLD Current - 2009 C6 Corvette Z51

03-04-2016, 02:35 PM	#12
snarky ultracrepidarianism Drives: '14 1SS/RS/1LE/NPP '18 Accord Sport Join Date: Mar 2014 Location: where folks drive like shit Posts: 1,297	are there any holes in this story? __________________

03-06-2016, 08:33 PM	#13
fly2hip8 Drives: 2013 Camaro 2SS Join Date: Aug 2013 Location: Kansas Posts: 342	Since the OP hasn't responded I'm assuming so. If he is at fault he's screwed.