Got rear ended. Need advice.

StangATX said:

Hi everybody,

This morning I got rear ended by an Audi Q5. It was raining pretty bad and a little dark. A sheriff was on the next lane and we pulled over in a parking lot. He put his flash light and didn't see nothing. However I asked to get the insurance of the other driver. They gave us a yellow paper that we both exchange our information. I got home about an hour later and the weather calmed down. I went outside and saw that my bumper moved a little bit. The passenger side is up and touching with force my rear fender in the corner of the tail light. The driver side is lower. I took a speed bump quit slowly and heard a weird kinda crack (I didn't see nothing cracked). I however decided to go ahead and call her insurance to claim it. I have an inspection tomorrow at 10 am. This is the 1st time I have an accident and I don't really know how to deal with the insurance and inspection and all that kinda stuff. Any advice on what to expect? Also, I called the number she gave me and the caller ID didn't show up (It supposed to be "Prodigi Ins Group" Never heard of it before...) I was thinking they didn't registered their number probably. But surprised though that agent told me to call another number which is an insurance with another named called "Safeco"... They setup an appointment tomorrow at "Service King Collision Repair". I got a claim # etc... like I said my bumper is kinda crooked and on the round shape where the tires are it's not aligned anymore with the rear fender on both sides... My plastic dip went off on the lower end of the bumper so I'm guessing it got scratched.

Are they going to replace my bumper or just messed around with the alignment? Also, Let's say they decided to replace my bumper. Is there any way to get the premium bumper? (The one that comes with the EB and Premium GT).

Thanks for your help!

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berserker_sid said:

if u r claiming insurance from other guy.. also claim depreciation value as well..

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StangATX said:

What do you mean?

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keltymd said:

a wreck shows up on your carfax that makes the car worth less. Now the difference in non wrecked and wrecked is the depreciated value they have to pay you.

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MELLOWYELLOW06 said:

You may want to notify your insurance as well. This way the other insurance company wont think about pushing you around and delaying you.

Your insurance will make you whole as quickly as possible and will go after the others insurance to reclaim the monies they paid out for repairs.

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StangATX said:

So right now I'm pretty much f***ed? My car just lost value?



I actually did notified my insurance. I wasn't able to get my policy number when the cops asked for it so I had to call them and explain the problem.

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berserker_sid said:

So as soon as you claim from insurance, an accident goes into your carfax and yes that makes lot of diff to car's value, tech it becomes an " ACCIDENT VEHCILE".
So you should always ask depreciating value.

let me give you approx diff. a normal GT right now KBB value is 28k. Accidental 23-24k that too i am telling ya on higher side

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StangATX said:

Ok I see... So I would have to ask that to the inspection tomorrow or to the insurance company?

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mswift5 said:

Correct.

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