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Old 04-15-2001, 03:55 PM   #1
Robmat
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Member#: 2173
Join Date: Aug 2000
Location: Daytona Beach FL USA/ Tampa FL USA
Vehicle:
2000 2.5 RS
BRP

Have a Nice Day? Urgent!!! Just wrecked I need help Please!!!!

Just came back from a parking lot where I hit a curb at about 15mpn. Driver error, too wide in the turn. It has bent the lower control arm, the sway bar mount and mounts on the control arm, the quarter panel is bent and the panit on the door has been chipped. I'm really bummed out. I don't know what to do. 1) Buy the parts and replace them myself (control arm and brackets only) or 2) Take it to the insurance company-but-what do I tell them? I have full coverage through State Farm. $250 deductable, but I can't tell them I was goofing off in a parking lot, can I?
Please help!

Robmat

Edit: Additional info: The wheel had to bent back in order for me to drive home using a towing strap and crank.

[This message has been edited by Robmat (edited April 15, 2001).]
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Old 04-15-2001, 04:02 PM   #2
WillReckXhop
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Join Date: Mar 2001
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if your whole suspension control arms brackets bushings etc are all stock i would recomend sending it to the dealer. 15 mph isnt that fast but it is fast enough to maybe throw something of alignment. if you plan to do it yourself make sure to get it aligned after you install all the new parts to make sure there isnt something you missed.
peace
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Old 04-15-2001, 04:08 PM   #3
scooby5
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Location: Toronto, Ontario, Canada
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1999 Impreza STi v5
Silver Mica

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I've got my OE control arms available if you need them. I replaced the ones on my car with alu ones, so you can have them.

The sway bar mount and mounts on the control arms are inexpensive.

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Old 04-15-2001, 04:09 PM   #4
v6scoobie
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Wink

Tell them you slid on ice it worked for us ..oops I see you live in Florida ummm maybe try slipped on gator dung
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Old 04-15-2001, 04:12 PM   #5
SubaTubaru
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Location: Burlington Ma
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97 Legacy GT
4 tone red

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kind of similar story, i hit a pothole @40, i thought it was just knocked out of alignment, but it turned out to be over $2,000 worth of damage, killed the rim, blew strut, cracked controll arm, blew wheel bering got a new bumpercover and 2 new fog lights. all i saw was a big scratch on the bumper, and the car wobbled like a mofo... I brought mine to a body shop i liked... (the one i posted about for the hopeful garage day http://www.i-club.com/ubb-files/Foru...ML/003497.html ) and they took care of me. If i were u, I would bring it to a shop, tell em you hit a big rock or something... they dont really care. but you will get a surcharge if you go through the insurance CO. but if the damage is a lot, they are your best bet, if the damage is minimal... you would be better in the long run to do it without notifiying them. Hey if you got the cash to blow, dont tell them and have a shop do it and pay them LOL
I wish i had that luxury!
Good luck man...
Mike
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Old 04-15-2001, 06:05 PM   #6
ColinL
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You've done more damage than your insurance rate increase will amount to, I bet. Claim it.
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Old 04-15-2001, 06:07 PM   #7
Pipercub
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2004 Impreza STI
82 BRAT with 12 in. lift

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Remember that deer that ran out of the woods and through the garage...............

You swerved to avoid it...............


Remember it yet?????
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Old 04-15-2001, 06:23 PM   #8
Dirt Man
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Holy *****, Sorry to hear that dude.

Call the insurance company and pay the deductable, $250 is dirt cheap to pay.
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Old 04-15-2001, 07:13 PM   #9
Matt
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2009 Forester

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Wow...I did that with my '81 4WD wagon years ago.

Its a dilemma. I'm not sure what to say, except I hope it gets fixed soon and doesn't cost an arm and a leg.

Hope to see you in Tampa next weekend.
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Old 04-15-2001, 07:32 PM   #10
Robmat
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So, what should I tell the insurance company? Does anyone have any experience with State Farm? How well will they research the incident?

Robmat

[This message has been edited by Robmat (edited April 15, 2001).]
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Old 04-15-2001, 08:22 PM   #11
WRXPRESS
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If you have a clear driving record they mght not nail you with a rate bump. You could tell them you were driving down the road when an animal (dog, deer, rabid badger with big pointy teeth or a parakeet) you get the idea.
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Old 04-15-2001, 11:22 PM   #12
Robmat
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Location: Daytona Beach FL USA/ Tampa FL USA
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BRP

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The local college has curbs everywhere and terrible narrow roads. I think this is going to be the story for State Farm tomorrow. Wish me luck!

Robmat
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Old 04-16-2001, 12:16 AM   #13
Chaincat
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Dude, I'd be careful about talking about it like this. Some would consider this insurance fraud by 'tweaking' your version of the story. I don't think publicly posting that you're thinking about weaving a yarn for your insurance company is a good idea. For as many members as this board has there are likely to be people associated with them who might report you in hopes of getting a reward or something. I personally advise you to do the right thing. I hope everything works out for you ok and I'm sorry to hear about your accident.

-Brian
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Old 04-16-2001, 03:38 AM   #14
NotAnRS
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Scratch-n-Dent Blue

Exclamation

Okay, now pay attention!
I do this for a living, so you can ignore all the guessing that has preceded this response as it's mostly wrong (sorry guys)
1) Take the car to the body shop and have it thoroughly checked, possibly on a lift. There could easily be more damage than what you see. Have them prepare an estimate, and let them know you are trying to decide if you want to use insurance or not.
2) With estimate in hand, make the decision. It will certainly need an alignment afterwards. If there is any reference to frame damage, let the shop handle it.
3) No matter how you describe the accident, it's still a collision loss. Just tell them you hit a curb in the dark you didn't see. People do dumb stuff all the time, that's why I'm employed Any time your car impacts something, it's a collision loss. Doesn't matter if you swerve to miss an escaped elephant, when you hit the non-animal object, it's a collision loss and your deductible applies.
4) Never lie about hitting stuff. We adjusters will know you're lying when we look at the car, and will gleefully turn you over to SIU (special investigation unit) so we don't have to handle the claim.
5) Most ins co's have a chargeable payout limit, meaning we won't surcharge your rates unless the payment out exceeds a certain level. With my employer it is $900.
6) If you are a young driver, it is always a good idea to try to pay for it yourself if the damage is under $1000 to keep it off your record. It seems redundant to carry insurance and not use it, but I'd rather see you poor for a few months than cancelled next year after you have another, possibly bigger claim for a legitimate accident. My co is dropping people if they have two accidents within two years (which is pretty cold and unrealistic, but that's the way they are).
If you need any more advice, email me direct. I don't check this board with great frequency.
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