Somebody pulled out in front of Boy last night, performing an impressive PIT maneuver on themselves. Fingers crossed on getting her back OTR!!!http://www.vehicross.info/gallery/da...s/IMG_1804.JPG
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Somebody pulled out in front of Boy last night, performing an impressive PIT maneuver on themselves. Fingers crossed on getting her back OTR!!!http://www.vehicross.info/gallery/da...s/IMG_1804.JPG
:( Ouch Tom, looks like the damage is fairly extensive. I wonder what the insurance will do? Seems like it doesn't take much to total a VX anymore.
Hopefully they'll get it fixed up for you. :thumbup:
Noooooooooo...best to you in getting her back on the road...:yesgray::yesy:
X 2...Quote:
Originally Posted by Mile High VX
DANG...that sucks Son...:(
Hope Boy is OK...
:luck: with the repairs...as always, your VX fam will be happy to help scrounge parts as needed...:yes:
Your poor VX has been through hell and back. I'm sure you'll massage that corner back into shape and Boy will be cruising in style again. (Rename her Christine, and she can take care of herself!)
:eek:Tom, Sorry to see this. Guess since you didn't mention "Boy", and the damage doesn't look all that bad (mostly sheet metal), that he is OK. I'm sure BZBZZZ will be back on the road in no time.
Shouldn't be too hard to find a fender...lots of donors on this site! Ash isn't too far, he may have one for you?
Nah, Buffy got my old VX in exchange for the trans swap. Not sure if he saved the driver's fender but it was still in good shape after the accident.
Sorry to hear about this Tom, let me know if I can do anything to help.
Buffy isn't too far. Ooooo oooo oooo....road trip!Quote:
Originally Posted by vt_maverick
Thanks all.
Thankfully no injuries in the accident. Boy did an excellent job in swerving to turn the T-Bone incident into a PIT maneuver. It could have gone very badly since there was a baby in the rear seat of the other vehicle.
All the ducks are in a row for me to get the VX into the shop by the end of the week. I'll keep Y'all posted.
Tom
Damn !!
When i had my lil clash back in 2010 both the other driver and i had allstate insurance.
Everything went ok,i didn't even had to pay deductible.
It is easier for the company to settle because they don't have to hassle with another company to get everything straight.
Thanks all. I have an appointment with the shop at 0800 tomorrow morning. I'll keep you posted as things start happening.
VX is in the shop for repairs.
Lucky me gets to drive a Yaris rental car until VX is back on the road.
look on the bright side: tiny rental car + emergency brake = fun times (plus you should get about 473 miles to the gallon)Quote:
Originally Posted by tom4bren
Not the whole VX ... only the front left corner!!!:)Quote:
Originally Posted by Cobrajet
Dang thing is so uncomfortable, I'm only driving to & from work. I am looking forward to the Uber high mpg though.Quote:
Originally Posted by evillecutter
Had to swing by the rental car office this morning ... 1 tire was almost flat.
& the saga continues. Traded the Yaris in on ... another Yaris. Sitting at a stoplight last week with the defrost at full blast = 12" crack magically appears.
Shop just called ... they are having trouble sourcing parts:_confused
I gave them Merlin's number & the parts list.
The insurance company (USAA) has totalled the VX. They are offering $8200 for the VX, $6534 settlement if I want to keep it.
I'm about to send them the attached spreadsheet to see if I can get a better settlement.
That's too bad Tom. Did the VX end up having frame damage?Quote:
Originally Posted by tom4bren
What's the plan? Keep the VX and fix it?
Tom - The accident I had with my current VX was also on the driver's front corner and required a new hood, fender, front cladding, headlight, and a bunch of other miscellaneous stuff. In other words, it sounds like you had a very similar accident.Quote:
Originally Posted by tom4bren
If you're interested I can send you the itemized receipt from the body shop that fixed the damage so you can compare it to what USAA received from your/their body shop. That should allow you to do a true apples-to-apples comparison for the insurance company that may be more realistic.
FWIW the damage rang up at only $4,672.90. Unless your VX has frame damage or some other issue that's not readily apparent from the pictures I think you're getting hosed.
sucks that its totalled but not too bad buying it back for $1700 - im sure you could get more than that for the remaining parts or it could come in really handy if you get another one
Keep it & fix it.Quote:
Originally Posted by VXorado
Garage estimate for repairs is $5236.95 so the settlement will cover the cost of repairs ... IFF ... there is no hidden damage not covered in the estimate.Quote:
Originally Posted by vt_maverick
I called USAA again & they are playing hardball. They refuse to give any value increase based on rarity of color. This is the situation where both parties having the same insurance is a problem. I don't have anyone 'in my court' to fight the other driver's insurance for me. They also refused to contact Richard to get a value estimate like they did for you (because he doesn't have any on his lot right now). The only way that they'll even look at the spreadsheet is if I send them a copy of each web page that I linked in the spreadsheet. They won't give any value added for the lift kit either.
I'm not giving up though. I'll be 'made whole' ... even if it kills me.
BTW, they actually assessed the value of BZBZZZ at $7950 but bumped it up to $8200 for taxes & stuff.
I won't let it die. BZBZZZ will be back on the road .... hopefully in time for Moab 2013.Quote:
Originally Posted by evillecutter
I don't get the problem here... they say it's worth $8200 and the repairs are only $5,236.95. On what basis are they totaling it?
Actually they say it's worth $7950. The $8200 value is with taxes & titling added in.Quote:
Originally Posted by vt_maverick
Nevertheless, I've asked them what the basis was for them to total the VX but they haven't responded yet. In VA if the repair estimate is in excess of 75% of the value of the vehicle before damage, then it is required to be totalled. The estimate provided to my insurance company is significantly below that amount (about $750 below).
in indiana i think its 70% - im sure the insurance agent does not want to mess with a long drawn out repair thats just more pwk and phonecalls for them to have to deal with
Even at 70%, the repair estimate is less.Quote:
Originally Posted by evillecutter
Also, if they total it, they don't have to pay for the rental car anymore.
I hate hearing about wrecked VXes, and I am sorry to hear yours is "totaled". I hope you get your VehiCROSS back on the road. Glad the accident was not worse.
:luck:
Repaired your post for Ya Bro...:smilewinkQuote:
Originally Posted by tom4bren
Good luck with the fix-um-up...:smack:
The key thing here is to make sure USAA clearly understands that you do not wish to settle and that you intend to fight the total loss. Insurance companies metric how quickly their agents close claims (because they know the longer it draws out the more likely it is they will face legal action) so you'll probably find them more pliable the longer you hold out. The problem is there's a law in place that's designed to prevent you from essentially blackmailing them into doing what you want; it's called "loss reduction." My rough understanding is that if you delay closing of the claim for an unreasonable length of time such that you incur significant additional costs for the insurance company (in your case by keeping a rental) they can force you to take their settlement, or deduct some portion of their costs from their original settlement offer. Of course you can challenge that settlement but in my research I found that the typical person can't afford those legal bills.Quote:
Originally Posted by tom4bren
Do you have the ability to get to work without a rental car? If so you might consider dropping the rental car to gain leverage to keep your VX from getting totaled. If your rental is costing USAA $50/day and all they need to do is raise the value of your VX by a few hundred bucks to keep it from being totaled that should be a no-brainer for them. I would ask for a supervisor the next time you talk with USAA and see if you can negotiate something. But all that's after they provide a reasonable answer to why they can total something that has a repair cost less than the 75% stipulated by Virginia law.
Yah, I'm turning in the rental car on Friday. So that bargaining chip will be back on the table.
losing the yaris is going to be heartbreakingQuote:
Originally Posted by tom4bren
I'll endeavor to perservere!!!
"It's not for eat'n...It's just for look'n through..." CDG-OJWQuote:
Originally Posted by tom4bren
Is that another quote from 'Little Big Man'?
BTW - here's the repair estimate if you're curious.
Claim has been resubmitted to the assessment office for review. I'll know if they reverse their position on totalling it in 24-48 hours. I'll keep you posted.
So no answer on the 75% thing? Or is that part of what you'll get back in 24-48 hours?
The guy I talked to in the total loss department said:
"That thing is sharp ... I've never seen anything like it ... why would they total that?"
He's including the pic I provided (where the VX is parked in the river & a bunch of school kids are in the background wearing yellow shirts) when he submits it for review. He said that was the best 'car pic' he's seen in a long time.:)
BTW, I just sent Richard an email to see if he'll provide me with an assessment like he did for you.
EDIT:
The guy I talked to also didn't know what the basis is that they use for determining if it's totalled.
That's not too surprising, I know when the claims adjuster inspected my first VX and reported the needed repairs (most notably straightening the frame and replacing the air bags/dash) the case was reassigned to GEICO's total loss department. At that point my claims adjuster became more or less a liaison who just passed offers back and forth. When my second VX was involved in the accident in CO it never progressed to that point because the claims adjuster's repair estimate didn't trigger a total loss classification. That was a much different experience, the adjuster made decisions almost immediately and everything came together really fast. It took nearly 2 months to settle my total loss accident but only 3-4 weeks to settle my accident in CO, get the truck repaired, and then get it shipped to VA.
Well, USAA informed me that the re-assessment is complete. They are not changing their position. I formally rejected their offer and made a counter offer. I'll try calling them as soon as they open.
AAARRRGGGHHH!!!
They REALLY need to explain their total loss criteria to you. Sometimes insurance companies will adopt one state's law as their "corporate policy" until you point out their error. My adjuster tried to tell me that it was GEICO's policy not to cover undeclared mods until I pointed out their own policy exception clause specific to the states of Virginia and North Carolina.
I serious ****ing hate insurance companies. What ***holes.