(12/14 UPDATE!!) Is it totaled??

[Whitest Russian]

I think most insurance policies don't come with OEM parts now-a-days. My last few quotes I had to specifically ask for it (and pay extra for it).

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[tps7c]

Guys, I'm not as worried about the non-oem parts as I am that they didn't seem to include all the damage. I'm hoping that if additional damage is discovered during repair, they will cover it. Also, I know I will lose a ton when I go to trade it in because it will now have a serious accident and a minor accident on the Carfax. Is this where filing a diminished value claim will come into play?

 

[IPOGT]

Guys, I'm not as worried about the non-oem parts as I am that they didn't seem to include all the damage. I'm hoping that if additional damage is discovered during repair, they will cover it. Also, I know I will lose a ton when I go to trade it in because it will now have a serious accident and a minor accident on the Carfax. Is this where filing a diminished value claim will come into play?

If they missed anything the shop will call for a reinspection and they will file a supplement. I’d recommend used oem parts or new. Have a good shop deal with the repair and payment. They know how to navigate the damage repair costs with the insurance company in the most beneficial manner for you.

 

[The Demon]

Sad to say, most regular insurers are only paying for used or LKQ parts to repair used cars.. even 2018 Mustangs. It’s in the policy. Used car, used parts. If you want OEM new, it needs to be spelled out in the policy or you pay extra.

Things may have changed since I haven’t had a major problem in a long time but a good body shop with a great reputation can talk the insurance company into getting you OEM parts especially on a car like this. I could be wrong on that but that’s just my past experience but it’s been a while. I for one wouldn’t want that car back. I’m hoping they total it for you as well.

 

[Mustangmatty]

FWIW here is $13k in damage. I know it’s truck vs stang but both Ford. I feel for you.

 

[Call_Me_Bruce]

This is a picture of my car after I hit a deer. $10,976.00 in damages. The body shop that did the repairs did 2 supplemental estimates once they got it apart. New hood, core support, bumper, grill, lights, windshield, and radar unit, radiator, A/C Compressor. I was able to drive it home. No fluid leaks. To the OP good luck, hope your insurance company does right by you.

 

[HoosierDaddy]

Guys, I'm not as worried about the non-oem parts as I am that they didn't seem to include all the damage. I'm hoping that if additional damage is discovered during repair, they will cover it. Also, I know I will lose a ton when I go to trade it in because it will now have a serious accident and a minor accident on the Carfax. Is this where filing a diminished value claim will come into play?

You can only recover diminished value from a 3rd party responsible for the damage. Your contract with your insurance company (policy) doesn't cover it. But you don't have any contract with whoever hits you. Since they don't have insurance, you can still sue them for it IF they have two nickels to rub together.

Fight like hell to make your insurer total it. The fact they put it in writing that it was a total loss when they didn't know they were on the hook should go a long way.

 

[CJJon]

The last time I had an almost totaled car I had the hook take it directly to the dealer and they gave me a trade-in value based on a non-wrecked vehicle. We made the deal and I just signed over the insurance check to the dealership when I got it from the insurance co.

 

[ICU812]

Goto the police station that handled the wreck, with the print out of his insurance coverage being null and void at time of wreck, and have them charge him with driving without insurance and lack of registration, as his tags are not legal as soon as the insurance policy laps from being cancelled.
This will help you later if you have to goto court to get paid.

 

[CJJon]

Goto the police station that handled the wreck, with the print out of his insurance coverage being null and void at time of wreck, and have them charge him with driving without insurance and lack of registration, as his tags are not legal as soon as the insurance policy laps from being cancelled.
This will help you later if you have to goto court to get paid.

Agree. It is a criminal offence in Georgia. Misdemeanor.

 

[HoosierDaddy]

Goto the police station that handled the wreck, with the print out of his insurance coverage being null and void at time of wreck, and have them charge him with driving without insurance and lack of registration, as his tags are not legal as soon as the insurance policy laps from being cancelled.
This will help you later if you have to goto court to get paid.

But if you are also suing him, first make sure his only income isn't as an uber/grubhub/etc driver.

 

[ICU812]

But if you are also suing him, first make sure his only income isn't as an uber/grubhub/etc driver.

I would not care he can get another job.
As he won't be doing ride share once they find out he was rolling around insured and revoked tags.

 

[CJJon]

Court is the easy part. Most likely would end up in a default judgement. Then you have a piece of paper that says the person owes you money. Converting said paper into legal tender is a whole other matter.

 

[tps7c]

Court is the easy part. Most likely would end up in a default judgement. Then you have a piece of paper that says the person owes you money. Converting said paper into legal tender is a whole other matter.

I think he works at the Country Club at the end of the road I was parked on. Couldn't I get a wage garnishment against him one I get a judgement?

 

[CJJon]

I think he works at the Country Club at the end of the road I was parked on. Couldn't I get a wage garnishment against him one I get a judgement?

Maybe. No insurance is often a sign of a deadbeat though. You might have the right to garnishment, but so might others like the government or banks, etc. All of which you will get theirs first. You can only garnish so much too.

However, if he ever hits the big scratcher ticket, you might get paid.

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