Argh!! - Page 2 - Fiberglass RV


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Old 10-25-2013, 10:13 PM   #15
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The last couple of posters missed the essence. It's not about the beginning of the ordeal ,(my mistake in not seeing a "level" bridge, and owning a car without a thermometer) it's about a time I got hit twice...the original post question.
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Old 10-25-2013, 10:42 PM   #16
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The last couple of posters missed the essence. It's not about the beginning of the ordeal ,(my mistake in not seeing a "level" bridge, and owning a car without a thermometer) it's about a time I got hit twice...the original post question.

I don't think the essence of your post was missed. You got hit twice because of an icy bridge. I think you missed my point though. You made the point that bridges freeze first. I was extending that point that all is not as it seems.
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Old 10-26-2013, 01:31 AM   #17
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Lisa, one thing that I would do is take lots of photos of the damaged truck. Sadly it doesnt take much damage to result in a big number for the repair. If and when you go to trade in or sell the truck in the future anyone running a Carfax or something like that to get the cars history will see the accident recorded against it (at least that is the case here) and they see only the dollar value. You may need to explain what it was that was damaged to a buyer. In my cars case there was no major mechanical damage and all the dollars spent were to replacing outer body parts - such a a whole bumper and trunk lid etc. People buying want to know for a fact that was true so pictures help as does keeping a copy of the repair estimate or final bill with the details of what was actually done.
Carol,
You bring up a good point regarding the Carfax report. I recently spent 3 months trying to sell a car that had a Carfax stating some right side damage. The damage was replaced by new parts. No structural damage or airbag deployment. The car was repaired equal to new. I could not even get anyone to come look at the car with asking price $5000 under wholesale bluebook. Once a "dirty Carfax" is noted you will be giving the car away. The Carfax stigma will cost the owner of the vehicle down the road.
I wonder if a person could demand no report to Carfax as part of an insurance settlement? Or a stigma surcharge could pre pay the car owner 25% of the cars value on top of the repair. People are not being "made whole" when being compensated by the insurance companys due to Carfax depreciation. Some potential buyers were good with the repair being done correctly, but would not buy a car with a dirty Carfax.
Russ
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Old 10-26-2013, 08:05 AM   #18
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I can not believe that Carol got a ticket for "Parking" after an accident. That seems ludicrous particularly when the officer observed the whole thing. I wonder why he had not set up his flashing lights as a warning for others, rather than waiting to watch the carnage to begin.
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Old 10-26-2013, 09:00 AM   #19
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It's well known among law enforcement officers that accidents attract accidents. Drivers are known to get so fixated on an accident scene that they drive right onto it. Hence the chances of getting hit a second time aren't all that far fetched.

About the CarFax thing;
I acknowledge that it's a bummer for the owner when an accident happens but, considering how many vehicles have been damaged and not properly repaired, I'm on the side of knowing a vehicles history.

In some states that's a mandatory report and the ins company has no control over it being reported or not.

Sounds to me like "Depreciated Value Loss" coulld be a good test case for a small claims court somewhere.
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Old 10-26-2013, 09:03 AM   #20
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I can not believe that Carol got a ticket for "Parking" after an accident. That seems ludicrous particularly when the officer observed the whole thing. I wonder why he had not set up his flashing lights as a warning for others, rather than waiting to watch the carnage to begin.
I hit a lady at 5 mph. I dented the chrome trim around the wheel opening of her Cadillac. She was stuck on the ice and couldn't move. We had to hang onto our vehicles to not fall. I towed her to the gas station a 100 yards away. Meanwhile, there were two more car accidents, the police reporting slid clear through the intersection and off the road, and the sanding truck slid through the intersection on a red light.

I got a ticket for care required or some such thing. I took it to court, judge told me I needed to learn how to drive. I pointed out the city apparently needed to teach the police and sanding trucks how to drive, also. She threatened to have me in contempt of court…
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Old 10-26-2013, 09:58 AM   #21
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Originally Posted by cpaharley2008 View Post
I can not believe that Carol got a ticket for "Parking" after an accident.
She didnt but apparently Mary did It seemed crazy to me as well that she got the ticket though.

It is my understanding that it is mandatory for insurance companies to report repairs over x so many dollars so the vehicles history can be looked up on data bases such as Carfax in order to protect the consumer.
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Old 10-26-2013, 11:59 AM   #22
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She didnt but apparently Mary did It seemed crazy to me as well that she got the ticket though.

It is my understanding that it is mandatory for insurance companies to report repairs over x so many dollars so the vehicles history can be looked up on data bases such as Carfax in order to protect the consumer.
Protecting buyers is good, but the insurance companys should not only compensate for repairs, but depreciation due to the Carfax stigma to make things right.
Russ
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Old 10-26-2013, 12:13 PM   #23
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I had totally forgotten about the Carfax report.
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Old 10-27-2013, 01:24 PM   #24
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I had totally forgotten about the Carfax report.
Lisa,
You might ask the adjuster how they will compensate for dirty Carfax depreciation. It would be interesting to see what they say.
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Old 11-04-2013, 11:12 AM   #25
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Great news!

I picked up my truck this Saturday after repairs were completed (took only 3 days). The truck looks fantastic! New bumper, new hitch, etc. Looks brand new! I even hitched and towed the trailer a short distance on Saturday. Everything seems to be working correctly.

Total cost was about $2500 ... I paid zero $!

Thank you USAA!!

(I pulled a Carfax report on my truck just before the repairs were started. I'm going to pull another one in a few weeks to see if there is a difference in the reported value).
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Old 11-04-2013, 11:38 AM   #26
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Originally Posted by ColoRockiesFan View Post
Great news!

I picked up my truck this Saturday after repairs were completed (took only 3 days). The truck looks fantastic! New bumper, new hitch, etc. Looks brand new! I even hitched and towed the trailer a short distance on Saturday. Everything seems to be working correctly.

Total cost was about $2500 ... I paid zero $!

Thank you USAA!!

(I pulled a Carfax report on my truck just before the repairs were started. I'm going to pull another one in a few weeks to see if there is a difference in the reported value).


Glad it all looks good!

Lisa, I had a chat last night with a friend in the auto sales biz about the issue of a car having had an accident and what a dirty report as they call it in the auto industry & if the Carfax type report can impact its value. As I am about to sell one such car.

They suggested that here there is talk of a change in the value of damage that actually needs to be reported as it is recognized that it doesnt take much these days to have damage in the $2000 range. He seemed to think it may be changed here to damage of $3500 or higher as a result - you may want to check regarding the rules in the USA it may already be higher and perhaps the damage to your vehicle will not be reported.

He also suggested that the longer you keep the vehicle the less problematical/price altering a dirty report will have on the vehicle. Especially when dealing with what were basically cosmetic repairs. People will look to see if there is any evidence of a bad paint job - which will show up after a few years if the paint was poorly matched etc. If they dont see anything then they are less likely to haggle over the issue & try and discount the vehicle's price.
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Old 11-04-2013, 03:32 PM   #27
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IN the USofA insurance rules are state based. I know that Utah has a very low reporting threshold and, for a long time (maybe still) California doesn't have any.

I've looked at a lot of CarFax reports and never saw anything that resembled a "Value" figure. Maybe that's something new within the last 90 days or so.

If so, is there one on the ones you are getting? Is it a specific value or a Bluebook type of value?

FWIW: It can take months for reports to show up on CarFax, depending on the reporting source and the rout it takes through the local DMV system(s) etc.

The emissions report on a TV I just bought was almost 2 months old and, although it showed on the state website, it wasn't on CarFax yet.
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Old 11-04-2013, 03:49 PM   #28
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Here they simple show the history of ownership of the car so you can be sure its not stolen ;-) Also any accident repairs done to it are listed by the dollar value and when done. Cant recall if they also show the emissions report or not... but thats pretty easy/fast to determine the status of, if its not current you cant get insurance.
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