Welcome to the North American Subaru Impreza Owners Club Monday November 24, 2014
Home Forums WikiNASIOC Products Store Modifications Upgrade Garage
NASIOC
Here you can view your subscribed threads, work with private messages and edit your profile and preferences Home Registration is free! Visit the NASIOC Store NASIOC Rules Search Find other members Frequently Asked Questions Calendar Archive NASIOC Upgrade Garage Logout
Go Back   NASIOC > NASIOC Subaru Models > Impreza Forum

Welcome to NASIOC - The world's largest online community for Subaru enthusiasts!
Welcome to the NASIOC.com Subaru forum.

You are currently viewing our forum as a guest, which gives you limited access to view most discussions and access our other features. By joining our community, free of charge, you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is free, fast and simple, so please join our community today!

If you have any problems with the registration process or your account login, please contact us.
* Registered users of the site do not see these ads.
Reply
 
Thread Tools Display Modes
Old 05-07-2001, 03:59 AM   #1
Mizen
Scooby Specialist
 
Member#: 1483
Join Date: May 2000
Location: Los Angeles, CA.
Vehicle:
'92 240sx fastback
dark red

Unhappy Need Advice - bad RS crash damage

Well, I'll spare you the sappy details of an event that I'd rather not re-live anyway...

suffice it to say that I went backwards into a tree at 50mph, and now I need advice.

My car is damaged pretty bad. The rear window is shattered, the rear trunk and rear bumper are damaged beyond repair and need replacing. The two rear quarter panels and doors can probably be repaired/repainted. Two rims are scratched/gouged to oblivion and I don't know if there is frame/suspension damage.

Here is what I need advice on: what should I do?

1. File insurance claim. Keep in mind that I filed a claim for an accident 4 months ago ( few g's worth of damage), so I'm loath to file another one, especially for damages this bad... my insurance will undoubtedly go up - if the company doesn't drop me.

2. Take out a loan and repair the damages myself. This involves co-ordination on my part, out of pocket finances for rental car and repairs etc...

If you can add advice, or have other suggestions, or can just lend me some of your life knowledge, I'd appreciate it.

The only saving grace for me right now is that the car is paid off (just finished too ) and at least I don't owe money to the bank for it.

thanks,
Matt

[This message has been edited by Mizen (edited May 07, 2001).]
* Registered users of the site do not see these ads.
Mizen is offline   Reply With Quote
Old 05-07-2001, 04:03 AM   #2
Mizen
Scooby Specialist
 
Member#: 1483
Join Date: May 2000
Location: Los Angeles, CA.
Vehicle:
'92 240sx fastback
dark red

Post

oh yeah - does anyone want to buy a banged up RS - or know of a way that I can sell it? I think that this one has some bad chi... I'm not looking forward to driving it again...
Mizen is offline   Reply With Quote
Old 05-07-2001, 06:04 AM   #3
Motor City RS'
Scooby Newbie
 
Member#: 595
Join Date: Dec 1999
Location: Great Lakes
Vehicle:
'00 RS
Silver

Post

How bout driving classes. Just kidding, sorry about your crash--what happened to the beauty of AWD? I'd make the claim, deductables are not much, and if your record is ok and you were not at fault in the last crash, you shouldnt get hit bad. Sounds like your suby got f*&%#@.
Good Luck
Motor City RS' is offline   Reply With Quote
Old 05-07-2001, 06:07 AM   #4
dandbest
Scooby Specialist
 
Member#: 1885
Join Date: Jul 2000
Location: Bayside, NY
Vehicle:
2014 WRX
Wicked White

Post

I say file a claim. That is why you have insurance. Your premium will go up, and they might even drop you, but not before they pay for the damage. If I were you, I'd take the car to a good body shop and get an estimate. If the price is something you are willing to pay, than don't report it, but if it's basically totalled, report it to the insurance company, and they might total the car and give you whatever the bookvalue is.

My two cents.
Danny
dandbest is offline   Reply With Quote
Old 05-07-2001, 07:33 AM   #5
pottsie350
Scooby Newbie
 
Member#: 6110
Join Date: Apr 2001
Location: Lonaconing, MD USA
Vehicle:
98 Impreza L
Red

Post

I'd get an estimate first.. then decide. Since the car is paid for, your insurance could go up a bit and you chances are you could afford to make the xtra payments. But if the estimate isn't that much, then don't claim it.
pottsie350 is offline   Reply With Quote
Old 05-07-2001, 09:55 AM   #6
8Complex

Moderator
 
Member#: 922
Join Date: Feb 2000
Chapter/Region: MWSOC
Location: Schaumburg, IL
Vehicle:
04 FXT
Red

Post

File it... it is totaled or damn near it.

If you've managed to hit a tree backwards that bad that you've screwed up the doors, rear quarters, trunk, bumper, break the rear glass, you've also managed to bend the hell out of the frame.

Are there any kinks or anything in the roof? That'd be the killer... bends in the roof would mean that it is definitely totaled in that type of accident.

Oh and I guarantee you that you screwed up a bit of suspension, but you didn't say how you managed to hit the tree like that orwhat terrain you were in at the time, so I couldn't estimate how much suspension damage there might be.
8Complex is offline   Reply With Quote
Old 05-07-2001, 10:14 AM   #7
Poseidon
Scooby Specialist
 
Member#: 4864
Join Date: Mar 2001
Location: North Bend, WA USA
Vehicle:
2004 WRX
Silver

Post

Just FYI, I went through the insurance rollercoaster about this time last year when I was in a bad accident (not my fault), and here's what I learned: In order for the car to be considered a total loss, the cost to repair it must exceed a certain percentage of the market value for the car. For my insurance company, it was 80%, but this may vary. Cost to repair can also include "loss of use" or rental car costs for the time it is in the shop.

If you do decide to make an insurance claim, make sure you take it to a place you trust to do quality work, and possibly hire an independant appraiser. A less respectable mechanic might low-ball the repair costs in order to get the extra business. My costs were close enough to the threshold that the insurance company sent in an appraiser of their own. Hope this helps.

Jordan
Poseidon is offline   Reply With Quote
Old 05-07-2001, 02:09 PM   #8
Mizen
Scooby Specialist
 
Member#: 1483
Join Date: May 2000
Location: Los Angeles, CA.
Vehicle:
'92 240sx fastback
dark red

Post

Thanks for the advice guys - definitely keep it coming, if anyone has anything to add to the mix...

I was on pavement when it happened, and jumped a curb backwards before being stopped by the tree. I don't think there are any kinks in the roof - but I'd have to check for sure...

I'm going to get an appraisal today just to see what the damages are going to be...

Definitely jump in if you can add any other points of interest on this topic.
Mizen is offline   Reply With Quote
Old 05-07-2001, 02:17 PM   #9
bryanw
Scooby Specialist
 
Member#: 807
Join Date: Jan 2000
Location: Greenville, SC
Vehicle:
2002 WRX Wagon
Black

Post

Damn, just file a claim already. That's why you're paying for insurance. Geez. Why would you pay them all that money and then not even use their services? You think your insurance company would rip you off by raising your premium? Ha! You lose lots more money by not making claims.
bryanw is offline   Reply With Quote
Old 05-07-2001, 02:19 PM   #10
bryanw
Scooby Specialist
 
Member#: 807
Join Date: Jan 2000
Location: Greenville, SC
Vehicle:
2002 WRX Wagon
Black

Post

Your car's totaled.

Take a look at this:
http://www.maitreg.com/Cars/impreza/accident_010201

That was $6000 and yours sounds much worse.

[This message has been edited by bryanw (edited May 07, 2001).]
bryanw is offline   Reply With Quote
Old 05-07-2001, 02:21 PM   #11
Subie Gal
GC84Ever
Super Moderator
 
Member#: 301
Join Date: Sep 1999
Chapter/Region: NWIC
Location: WA
Vehicle:
1970 FF-1 & '70 Van
02 WRX/01 RS

Post

sounds like your car will require several thousands of dollars damage.

smartest thing to do at this point is file a claim and deal with the consequences of high rate insurance later. get your car fixed first... that's what you pay them for.

j. www.subiegal.com
Subie Gal is offline   Reply With Quote
Old 05-07-2001, 03:49 PM   #12
ChosenWon
Scooby Specialist
 
Member#: 2236
Join Date: Aug 2000
Location: Red Sox Nation w/ y2k4door
Vehicle:
2000 Audi S4
silver/rally dirt brown

Post

file it. period. You are way beyond the value of the car in repair costs. On top of everything else, you probably did something to your tranny, and if the force was enough, and at the right angle, your whole tranny may be smoked, or need heavy repair.

They will total the car. And yes your premium will probably go up. and go up signifigantly.

The good news? you will have a decent downpayment on a new REX! Affording the ins on it may be another story though......
ChosenWon is offline   Reply With Quote
Old 05-07-2001, 05:29 PM   #13
Mizen
Scooby Specialist
 
Member#: 1483
Join Date: May 2000
Location: Los Angeles, CA.
Vehicle:
'92 240sx fastback
dark red

Post

bryanw - yeah my damage looks worse than that... I should be able to post pics soon, as a friend with a video cam/scanner just took some for me (thanks).

Everyone keeps saying file for the claim - and I must agree it's very tempting... I'm still up in the air right now, some estimates should be rolling in tuesday morning... since the tree was angled inwards towards the car, as opposed to being straight up and down (perpendicular to ground), I'm *hopeing* damage is cosmetic only... and with junkyard parts, if available, I'm hopeing repair costs won't break me...

However, since I just filed a serious insurance claim, that will follow me around for years to come, I'm really not looking forward to filing another one... an extra 2k per year over 3 years might not offset the repair/rental costs at this point in time...

I just don't know dude, I'm confused...

one thing I can say for sure is : I definitely DON'T need a WRX... I need a 3 cylinder geo metro!
Mizen is offline   Reply With Quote
Old 05-07-2001, 05:33 PM   #14
8Complex

Moderator
 
Member#: 922
Join Date: Feb 2000
Chapter/Region: MWSOC
Location: Schaumburg, IL
Vehicle:
04 FXT
Red

Post

Yeah, you need to chill out on your driving.

By the sounds of it, I don't expect the damage to be under $6-7k. :-/
8Complex is offline   Reply With Quote
Old 05-07-2001, 05:50 PM   #15
ChrisW
Scooby Specialist
 
Member#: 4181
Join Date: Feb 2001
Location: keeping santa cruz weird
Vehicle:
2003 Lancer Evo 8
It's Blue, ok?

Post

Suck it up dude, and file a claim.

In the long run you are better off. The damage could be worse than the original estimate. what are you going to do then? especially if you have already leveraged what ever you got to get a loan to pay for the original estimate?

unless you have full access to a complete body shop I would file the claim and deal with it.

Yeah, your insurance will go up but that will force you to be a better, safer driver.

ChrisW is offline   Reply With Quote
Old 05-07-2001, 06:13 PM   #16
Boosted WRX
Scooby Newbie
 
Member#: 5835
Join Date: Apr 2001
Location: Tampa, Florida
Vehicle:
2002 WRX
Wr blue

Post

I would definitely file the claim. When i had my old 96 dodge avenger, i was driving down this hill when it was raining and made the last turn at the bottom and my front tires never grabbed and I slid off the road over a curb into some guy's lawn missing two huge trees by about 1 foot each side. I totally ruined the back axle and i think every piece of suspension on the back part of the car as well as ruining driver's door. I filed the claim and after everything was over, was almost 5k worth of damage. Really close to being totalled. Anyways, insurance didn't go up because allstate gives you like a grace accident. Only down side was car never handled like it used to and never will. either way, the outcome won't be great unfortunately. I would still file the claim and just hope for the best. Good Luck
Boosted WRX is offline   Reply With Quote
Old 05-07-2001, 06:30 PM   #17
david2z4
Scooby Specialist
 
Member#: 1838
Join Date: Jul 2000
Chapter/Region: NWIC
Location: WA
Vehicle:
2000 Impreza RS BRP
Vishnu Turbo/Tec3

Post

Sounds like about a $12,000 claim to me.

If you do file, it should be a total. If you don't, our insurance might not go up.
david2z4 is offline   Reply With Quote
Old 05-07-2001, 07:55 PM   #18
John2.5RS
Scooby Guru
 
Member#: 1140
Join Date: Mar 2000
Chapter/Region: SCIC
Location: On the road
Vehicle:
2013 Ecoboost'd F150
Grey

Post

I rolled my old RS Jan. 2 and it was around $12k worth of damage. Got a new one and someone pulled a hit and run about a month ago while I was in the store. Around $5k worth of damage. I'm sure my insurance is going to go up but it better than not having my car.
John2.5RS is offline   Reply With Quote
Old 05-07-2001, 08:03 PM   #19
Mizen
Scooby Specialist
 
Member#: 1483
Join Date: May 2000
Location: Los Angeles, CA.
Vehicle:
'92 240sx fastback
dark red

Post

Yeah - that's another good point - I'm sure that all the Impreza owners really need someone else to file another insurace claim -causing their insurance rates to go up...

Mizen is offline   Reply With Quote
Old 05-07-2001, 09:18 PM   #20
smacksube
Scooby Specialist
 
Member#: 4067
Join Date: Feb 2001
Vehicle:
01 2.5 rs
silver

Post

unless you have a mega big bank account, I'd file a claim...plus all the interest on the loan would equal the same as an insurance rate hike until you did something to bring it down again.

[This message has been edited by smacksube (edited May 07, 2001).]
smacksube is offline   Reply With Quote
Old 05-07-2001, 09:33 PM   #21
Really_Soaked
Scooby Newbie
 
Member#: 4992
Join Date: Mar 2001
Location: Revelstoke BC, CANADA
Vehicle:
2000 Impreza 2.5 RS
Blue Ridge Pearl

Post

File the claim, you'll kick yourself if you don't.

But if you're up for kicking yourself, let me know how much you want for it.

-Simon
Really_Soaked is offline   Reply With Quote
Old 05-08-2001, 12:23 AM   #22
Nordstone
Scooby Newbie
 
Member#: 6250
Join Date: May 2001
Location: Earth
Post

You'd be crazy to pay for it out of your pocket. If it costs $10,000 to fix and you pay the bill, you're out $10,000, no matter what. If they pay it and raise your rates $100/month, you could pay that extra for 8 years before equaling $10,000(not including interest on a loan). You can calculate from there: raised $200/month=4 years.
Nordstone is offline   Reply With Quote
Old 05-08-2001, 12:43 AM   #23
XT6Wagon
Scooby Specialist
 
Member#: 524
Join Date: Nov 1999
Location: WA
Vehicle:
04 STi
White

Post

Many insurance companies will total a car with ANY roof damage, as its a liablity concern. They don't want a $1,000,000 claim when someone rolls that car and the roof colapses like a house of rotted cards and the driver dies. I have personaly seen a truck with a mild dent in one upper corner of the roof and a bent fender get toataled, even though the cosmetic damage would have been under 10% of the car.

Also that damage to your car CAN NOT BE FIXED. It can be made to look like it was never hit.... until someone looks under the car and sees the 1/2 @ssed welding that attaches a misc assortment of straightened parts and Cut'n paste new parts. My SHO was tagged in the rear by a civic, and my trunk is still a mess, as the load floor has creases, and a "junk" pocket is alot shallower than it was before. The structural beam is a mess and anouther hit there will finish the poor car off as a Justy could smash that 1/2 flush with the rear window no problem.

Oh and do you have any idea how messed up the suspention is back there?
XT6Wagon is offline   Reply With Quote
Old 05-08-2001, 01:34 AM   #24
Arch
Scooby Specialist
 
Member#: 1881
Join Date: Jul 2000
Location: San Jose/Davis, CA
Vehicle:
2001 Impreza 2.5 RS
Blue Ridge Pearl

Post

As much as paying out of pocket may appeal to you, it's time to suck it up and face reality. You got major damge. It will not be worth it to pay for it yourself. Sit down with a calculator and figure it out. I had to replace a hood, driver side fender and corner light and that was already $3k. I don't think yours will come in at anything less than $10k.
Arch is offline   Reply With Quote
Old 05-08-2001, 01:48 AM   #25
Mizen
Scooby Specialist
 
Member#: 1483
Join Date: May 2000
Location: Los Angeles, CA.
Vehicle:
'92 240sx fastback
dark red

Post

Yeah, after doing a bit of math myself, I was starting to come to the same conclusion... I may still try to sell the car though... so many options.

Everyone can check out the pics in my member section. Just search under 'Mizen' and view pics... I'd link it here but I can't figure out how.

Mizen is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Roaring noise? previous crash damage, need help gotboost954 Transmission (AT/MT) & Driveline 7 12-25-2009 12:33 AM
i need advice badly! neversummer489 Factory 2.0L Turbo Powertrain (EJ Series Factory 2.0L Turbo) 34 03-31-2008 05:50 PM
Need Advice - Bad Gas Furnace Kevin Thomas Off-Topic 8 10-29-2005 08:05 PM
I need advice...Badly! Black_Rain Tri-State Area Forum 16 11-17-2002 10:59 AM


All times are GMT -4. The time now is 10:26 AM.


Powered by vBulletin® Version 3.7.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Powered by Searchlight © 2014 Axivo Inc.
Copyright ©1999 - 2014, North American Subaru Impreza Owners Club, Inc.