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Old 12-11-2017, 06:12 PM   #1
synfrag
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Default Collision damage, crumpled frame. I feel this should be a TL but insurance does not.

So, while my car was parked on the street in downtown Denver, some unfathomable d-bag hit it in the middle of the night. I still don't know how on earth nobody heard or saw this considering the amount of damage.

Damage was extensive to the rear and also broke the front bumper cover and grille because the impact drove it onto the curb and into the truck in front of it. Hood is fine but completely misaligned leading me to believe the impact wrenched the hell out of the frame.

Insurance estimated it at $6,300 but they made that estimate without pulling the interior of the trunk and seeing the frame damage. I have 0 experience with frame repair on a unibody and what is possible or advisable. Any thoughts on this? Should I push my insurance to total it? Can that even be done? Body shops are booked to Feb here and I'm skeptical it will be restored to 100%.

Edit: 2015 WRX Premium. Last I looked KBB for Fair market was $21k. I calculated a rough ACV of $16k due to previous hail damage mostly.


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Last edited by synfrag; 12-11-2017 at 08:06 PM.
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Old 12-11-2017, 06:43 PM   #2
jahjahsqc
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Rear body panel and sheet metal on floor. Not a big deal. Definitely not a total loss.
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Old 12-11-2017, 06:49 PM   #3
WRXRgr
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What year is it? NADA/Blue Book value is...??

I'd send em pics of the additional damage, for starters. Might as well get underneath
and look for suspension damage as well, the way that trunk looks.
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Old 12-11-2017, 06:53 PM   #4
Charlie-III
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What year Subaru?

Pretty hard hit. If fairly new, likely can be fixed.
Older, rust may be an issue.

Could be worth taking to a local shop and getting an estimate. If a lot higher, take it up with your insurance company asking why the disparity in projected cost.
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Old 12-11-2017, 07:17 PM   #5
RallyFanWRX
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Sorry to hear, whatever happens donít accept the car until you are 100% satisfied. My car just got totaled after a bad repair job at a Subaru dealer they replaced front frame rails and it wasnít done right.

Last edited by RallyFanWRX; 12-11-2017 at 07:30 PM.
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Old 12-11-2017, 08:02 PM   #6
FaastLegacy
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Iíd wager it can be fixed. My Focus took a rear hit hard enough to rip the muffler off and it was still repairable and it looked worse than that. Looks like the bumper beam did its job and took the majority of the impact.

Weird how it looks like someone hit it with something pointed. You can see that in the bumper cover damage and then in the beam itself.
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Old 12-11-2017, 08:12 PM   #7
synfrag
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Quote:
Originally Posted by FaastLegacy View Post
Weird how it looks like someone hit it with something pointed. You can see that in the bumper cover damage and then in the beam itself.
Yeah, I have no clue what hit it but my guess is, it crushed their front bumper in the same way and the structural supports wrapper around like mine did. It was a bitch to pull it off, torn metal and crushed in on the bolts.
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Old 12-11-2017, 08:32 PM   #8
13jerm
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Quote:
Originally Posted by Charlie-III View Post
Could be worth taking to a local shop and getting an estimate. If a lot higher, take it up with your insurance company asking why the disparity in projected cost.
^^This
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Old 12-11-2017, 10:11 PM   #9
Big-E
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Sorry to see this.

Perhaps someone with a split snow-plow blade hit your car?
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Old Yesterday, 02:00 AM   #10
monkeyposeur
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Damn, I had a 95 BK wagon that was hit from behind. The damage was about 1/4 that. It cost me about $300 to have a body shop put it on a rack and pull it back into shape. I did the rest of the body work and painted it. It would have been close to a $7k+ job from a shop. I was also able to source a rear hatch and bumper from the junkyard for next to nothing.

It can be fixed but the bad thing is if you get hit again the metal has been stressed so one could argue it will never be as safe in an impact compared to an undamaged vehicle.

In my case it was a cheap car and a fun project so I didn't really care if it was perfect. If I owned your vehicle I would push to get it totalled but there is only so much you can do. I agree with everyone else and get a few outside estimates.

Sorry man, that completely sucks.
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Old Yesterday, 08:24 AM   #11
Jack
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Pick a good shop from the list that the insurance company will send you as "preferred". You won't want to be cashing a check and doing this yourself, you want the insurance company working with the body shop so that when the shop says "hey, we found another $5k of damage here", you don't even care. The insurance company just takes care of it.
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Old Today, 10:26 AM   #12
koogs
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Quote:
Originally Posted by Jack View Post
Pick a good shop from the list that the insurance company will send you as "preferred". You won't want to be cashing a check and doing this yourself, you want the insurance company working with the body shop so that when the shop says "hey, we found another $5k of damage here", you don't even care. The insurance company just takes care of it.
Completely agree that you need to take it to a shop and get it looked at. as far as their preferred shop... I'm more of a fan of finding the best shop you can and go from there. Any good shop works with insurance companies all the time. They will get the insurance adjusters back to review and issue additional checks where needed.

I'm not sure how you got a number like $6K. But you should have found the right shop and gotten a real adjuster to view the car at the shop with the shop guy there and pulling apart the inner trunk like you did. These picture takers are BS. They sell it as an easy way to get your car fixed, and they lowball the crap out of the repairs.
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Old Today, 10:45 AM   #13
Ishbu0062
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I got T-boned in my 16 STI back in November and the estimated damage cost was 13k including the side curtain airbags being deployed but still not considered a total loss. Car was wrecked last month and still waiting to get it back hopefully in 2 weeks. My insurance company (USAA) gave me a list of body shops which I google map searched each one to see their reviews. The first 2 had bad reviews in the past 6 months (those were closer to me within 10 minutes) and the 3rd one had great reviews in the past year (about 20 minutes away from me) so I chose that one.

I was rear ended before back in January in FL and didn't think to research the body shop I selected to replace my rear bumper which about a month later ended up having a rattling noise.

So ask your insurance company to give you a list of their approved shops and do research on them including checking reviews in the past 6 months. This is just my opinion.
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Old Today, 12:11 PM   #14
Jack
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I'll add that we had a Wrangler that slid on ice and hit a utility pole. The insurance adjuster came out to the yard where the thing was towed to and the initial amount was in the $8k range for a 9 month old vehicle. There was a body shop right next door so I asked that the thing be checked by them. They called back the appraiser and noted some small items....bent frame, hole in the engine block and cracked transmission case. They totaled it and I got a check for $32,000.
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Old Today, 01:03 PM   #15
Greg86z28
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I had someone back into the door of my Camaro a few years back. I took it to 3 different shops to get quotes for reference. Appraiser came back in the middle so all was well, but similarly to what others have said, I'd stop by a few reputable shops to get some quotes.
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Old Today, 01:17 PM   #16
vtwinjunkie
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Total bummer man. Sorry to hear this.
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