You always contact your insurance first, and if it is not your fault your insurance goes after their insurance. I never heard anyone say the other party was not insured. It will be in the police report, as the police take down all that info and put it in the report.

 

Good to know, I've never called my insurance when it was someone elses fault. Guess I should start doing that.

About the body shop evaluation, remove your rear bumper cover and ALL the trunk material, trunk stuff comes right out easily, take it all out, including the plastic divider around the spare tire, get down to the metal, wiring, and electronics. That way they (and you) will be able to see EXACTLY how bad it is.

 

Thanks for the info - I did open the trunk (and it thankfully shut as best it could) to get my stuff out but didn’t think about pulling everything out to get a better look - definitely going to do that. There’s a body shop around the corner from my house so gonna give them a call and pay for an hour of their time. Gotta keep my Baby!

 

So…. I finally got the police report…..the little ***** was distracted taking his f*****g shirt off and that’s why he rear ended me! WTF! Thankfully the cops said that was the whole reason for the accident so I am covered. His mom has USAA so I am going to call them because I think I have a better chance of keeping her or being able to buy her back through them. My Progressive has a record of the accident should they need to intervene on my behalf but according to USAA website they will deal with me directly. We are all stupid at that age (19) but really - I hope his mom kicks his ***!

 

Keep us posted.
Hope you get to keep her and someone else pays to get her fixed.

Worse case looks like you getting money to buy another...again make sure that they compare prices on COUPES only.

 

I actually wrote it down with my other info COUPES only! The body shop/mechanic guy around the corner from me took a look at her (for free even though I have never been there before) and told me he doesn’t see a reason why she can’t be fixed. He loves Gs and told me I could get mad money for her as is because she’s in great shape for 20 years old and 210,000 miles. He loved the Michelins and Borla too - lol. I told him I had all of my paperwork including all receipts of repairs/upgrades/even oil changes, window sticker, bill of sale and documentation that she was one of the first 100 ever built and the mileage of her road test in Japan (plus a picture of my much younger self standing next to her at the dealership when I drove her brand new self off the lot). He said quote “ you hold the title so don’t let anyone take this car from you”.

I am hoping for the best. I love this site - so many great people with a wealth of knowledge!

 

The process continues….the kid wasn’t authorized to drive the mom’s car so they don’t want to pay….so I was forced to call my Progressive….. I am hoping for the best….thankfully they aren’t sending an estimator out and just going by the pics and videos I uploaded on the app and I half-assed them. I will take less money if it means I can keep the car. I literally get sick to my stomach thinking about it!

 

Well you have your private estimate, so you know what you need for $.

Progressive will fight with their insurance, unless they have progressive as well. The Police report assigned fault to him, so I can't see his insurance having much wiggle room in this.

 

The mom has USAA - a guy I work with has them because he was in the National Guard and he said the premiums are cheap but they are difficult to work with. My claim rep said the insurance follows the car so she’s responsible for the fact she gave her son the keys. I should know by the end of the week what they decide…..the drama never ends!

 

Yeah unless she reported the vehicle as STOLEN it should end up on her insurance, sort of depends on state law though.

 

Well I submitted my photos and videos to Progressive and now they want to send someone out due to “age of vehicle and mileage”…..so……thinking of dropping the claim so they don’t total her. I hate letting the punk kid off like that but I see no other option to be able to keep my baby. The preliminary estimate is $3700 which is fortunately manageable for me right now but I know it could be more extensive once they get in there. The body shop guy did say worse comes to worse I can sell her as is for more than insurance will give me regardless. I don’t expect to hear from Progressive until the middle of next week so I have time to decide but I don’t have it in me to part with her- some people just don’t understand but most of us here get it!

 

Hire someone else for a loss value/ residue value estimation , and progressive arent that good so this is why i switched, used to be a flo customer too

 

Progressive went off my pics for their estimate and gave me $2800 to fix her and no total! The guy was cool and basically told me if he came in person to look at it he would probably total it based on age/mileage but he liked the car so he left it up to me. I took it even though it’s less than my estimate because it’s not worth totaling her to me. My cousin (lawyer) said we can sue the little bastard and his mom anyway since the car was actually uninsured because they didn’t pay it. Even if I never get a penny at least they will have judgments on them.

Once she is all fixed (going to have her completely painted and rust on driver door fixed too) going to apply for classic tags…..now to decide on a new daily driver once I bring her to the body shop!