ffffffffffffffuck
/o/ give a brother a serious estimate. I swerved to avoid a cat, hit a guardrail. Collision isn't going to cover it because apparently my agent sold my limited collision on my car that has a loan.
So this is going to be out of pocket, any ideas how much this is going to be?
Also, any recommendations for auto collision shops near Boston?
4-5k.
hope that cat was worth it
Should have hit the car. Get estimates.
>>13957978
>because apparently my agent sold my limited collision on my car that has a loan.
They can't do that.
>>13957978
>I swerved to avoid a cat, hit a guardrail
Hahaha nice try OP. Next time practice your tofu delivery in a big empty parking lot first.
>>13957978
>swerved
you're a fucking retard.
what if you had hit a person?
learn to drive and control your reflexes you fukken derro cunt
>>13957978
>I swerved to avoid a cat
yeah ok
>>13957997
This
>>13958007
>>13958009
I'm sure the $6500 will serve as a lesson, although there is no way he would have gotten a financed car on the road without collision, dealerships aren't stupid enough to let a poor 20 something drive the dealership's car uninsured.
>>13957997
they can't do that. lawyer up.
>>13957978
Just hit the cat, worst case you might have a cracked bumper. Most likely would just go right over the little pest.
>>13957997
>>13958035
>>13958037
Can you elaborate? I'm in MA, and they did. Are you saying that I may have a chance of making them fix this problem they made with my policy?
>>13957978
What nigger insurance do you have that doesn't cover a car on a loan?
>>13958042
comprehensive
>>13958048
I've been told that because I was at fault, that neither my limited collision or comprehensive will cover the damage. Doesn't seem right to me...
>>13958048
>>13958048
To expand on my post....
Just say you fucking hit the animal and this magically becomes covered. But honestly it should be covered as is
>>13958043
And for reference, this is a policy in MA with Progressive, for whatever state laws may matter.
>>13958064
forgot the pic
>>13958071
I know that this is not covered by comprehensive, my gripe is that my agent sold me limited collision, which doesn't cover at-fault collisions. I have comprehensive, not trying to use it on this.
>>13958082
whatever worked for my friend when he rolled his truck off roading like an idiot. just said he swerved to avoid a deer and rolled it that way. no issues.
It's a cat dude, not a dog, you speed up and try to hit it
>>13958106
>Advocating the death of a cat
You do know this is the internet, right? Where cats are gods?
>>13958099
My agent told me regardless of me swerving for an animal, I am at fault and they will not cover an at fault accident.
If anyone wants any backstory, I was driving in a residential area and had the wonderful choices of hitting oncoming traffic, a cat, or a guardrail. It ran out and I was traveling close to 40Mph, braked and swerved.
I'd like to think I made the right choice to not kill a family pet, but whatever, morals aren't universal.
>>13958106
aaaaaaand into the trash you go
>>13958119
get better insurance next time dude.
you get what you pay for.
If it's still driveable, then don't fix it.
If the hood can open and close, the wheel isn't scratching anything, and the light is stable, just roll with it, your car has a battle scar now.
>>13958119
>morals aren't universal
Yeah but money is
>>13958154
The wheel well is pushed into the passenger front wheel, I can't turn or drive it without scraping. Barely got it off the road.
OP. Bodyshop technician fag here.
Wtf is limited collision? It would appear that you pay a premium for collision coverage, with a hefty deductible. I'm not in insurance, but wtf do you pay for?
Also, I need more pics for hip shooting an estimate.
First glance, you need a fender, right headlight, front cover, right fender liner, right bumper grille/fog lamp. It's possible that the hood needs to be replaced(it's hard to tell from the pic, it could just need to be repaired). And it's a safe bet there is some internal sheet metal damage. Youight need a partial or full core support. Or if it's a composite core support, it just gets all out replaced. There is no fixing them as far as industry standards go. Maybe a body shop would for a cash job if it's just barely cracked though.
>>13958119
>I'd like to think I made the right choice to not kill a family pet, but whatever, morals aren't universal
As long as you've got no regrets. You didn't do it for asspats on the internet, did you?
Next time just hit the cat.
>>13958168
Also, just read you have progressive. That's a problem.
Their adjustors don't know dick about auto repair.
Protip 1: get different insurance
Next, know what you are paying for.
>>13958168
threadjacking here since OP isn't going to take advice anyways....
Bodyshop tech: I got dinged in a parking lot and no note (ppl suck). It isn't too bad but it would definitely need spot painting. I approached one shop and they quoted me like ~500 for removing the bumper and respraying and stuff. I bet it would look great after that. But honestly I would like to spend less and would be OK with it not being as flawless. Any advice?
>>13957978
Thanks for paying your premiums though goy...I mean guy!
>>13958052
Collision will cover this. I dont understand how it can be "limited"
If you are paying a loan on your car, you need to have full insurance. Unless your state minimum fucks with your collision, which would be retarded cause how the fuck are you supposed to fix that? bank ownes your car, tehy would want it fixed.
claim comprehensive?
>>13958187
not OP - what insurance would you recommend?
>>13957978
>not having proper insurance
>>13958168
It was towed away to a shop so I can't take any more pictures right now. Let's say all of what you just guessed is true and needs to be replaced, what kind of pricerange? I see this thread people mentioned 4-5k, and 6500. Those seem accurate?
>>13958180
No, no I did not.
>>13958187
Who do you recommend for insurance then?
>>13958190
Not taking advice? Nigger I'm asking for people's opinions of damage estimates, what the fuck advice is there to take?
>>13958201
I'm just as confused, I read the policy documents they made available and this seems really shady, it definitely was not explained to me what limited vs regular collision was or why I was given limited. The agent I got just told me there is no way to make it retroactive, so this is all out of pocket 100% due to me being at fault.
Feels bad man
>>13958042
>Those pleb-tier liability amounts
>Not knowing what sort of coverage you have
>Driving a BRZ
>Not just using your brakes
>Not just hitting the cat
Since apparently you can't make decisions for shit, I bet next you're gonna marry some girl who already has a bastard child and raise it as your own, right?
>>13958106
Tripfag >>>/trash/
This series is right up your alley. Invest in a $1k corolla while you fix this.
>>13958243
potentially even 5-6 corollas depending on repair costs.
>>13958230
> trip
>>13958130
> ruining your car over a fucking cat
LOL
>>13958190
500 is definitely not a ripoff.
If I could see the dent, I could assess if it is possible for a paintless dent repair (PDR) guy to fix it. That would be significantly cheaper. Plus, they are usually mobile technicians. So they can fix your shit while you are at work, in the parking lot.
If that's not an option, you honestly get what you pay for. You could shop around and find a shop that will undercut your OG estimate, especially if they are slow. But they might cut corners and produce a substandard repair. If you have more questions, I'll monitor the thread
>>13957978
reminds me of something that happened to me
>driving with family on a road doing 60km/hr
>2 lanes going my way 2 going the other way
>rabbit runs onto the road an stops in front of me
>i hold fast and maintain the course
>i dont hit the rabbit at all
>dad and sister: "why didnt you swerve to avoid it"
>mfw
>>13958251
Oh I'm sorry, namefag >>>/trash/, excuse my faux pas
>>13958215
I have state farm. They usually try to cut the least corners I'm my 10 years of experience.
American family is ok tier. Farmers ins. Is ok. Geico can be shitty. They seem like a chick with pms. Sometimes they're fine, sometimes the make the repair process a Goddammit nightmare.
>>13958251
Are you mad that you made your car so low on purpose, that you can't so much as run over a microbe without scraping it?
>>13957978
>swerved to miss a cat
In reality op was trying to be takumi and fucked up.
>>13958251
> ruining your car over a fucking cat
It's better than ruining your car because you think it's fucking cool.
>>13958303
Yes, that kind of damage is caused from trying to drift. That makes sense, somewhere, in some world.
Did you notice the winter tires, and that I live in New England? I wasn't trying to drift regardless of how many times you people keep trying to spout memes.
>>13958296
It's not that low dude but even when it was I was down as fuck to hit cats and possums
>>13958254
The black part has an edge on it. Wondering If I get some basic paint if it will work well enough since it is already hard to see from a distance
>>13958336
how much did it cost to unfuck your car?
You are a fucking doofus OP, and I doubt there was ever a cat. You hit something because you were driving like a stupid asshole.
>not making a conscious decision to swerve only for a moose
>even deer are to be hit
>cats are to be aimed for
>>13958221
I think you might have to pay 3 to 4 grand. That all depends on what parts cost for a subaru. We don't work on a ton of those.
A REALLY rough ballpark for labor is going to be around 1500 to 2 grand. Maybe a bit more. Then there's parts.
They will have to blend the paint in the door to ensure an accurate paint match. Especially with that metallic silver paint.
So door $200
Hood repair+paint $350
New fender+paint $450
New liner $150
Headlight $600
New bumper+paint $800
Then there's going to be a bunch of stuff internally, plus a bunch of knickknacks on the bumper that are missing. It's a really rough estimate from the photo, based on my memory of some parts on newer cars I see the invoices on.
Put it this way, we are replacing most of the front end on a 2012 chevy silverado, plus airbags (not cheap) for 5500 bucks. We have to supplement a ton more parts on that job, but that's a ballpark idea for you. Your car OP does not appear to have THAT much wrong with it even though it looks like a bad accident.
>>13958336
That is an ugly car. If I had a son like you I would disown him.
>>13958221
Contact your bank, or whoever gave you the loan, and check with them if the insurance you have is proper.
If it is, and you need to pay out of pocket, get a few estimates.
You can save money by buying your own parts, as long as the repair will work it it, cause they markup like 50-100% on parts alone.
>>13958339
Ah. Ok.
It's on the rear cover. PDR is nor an option. Lol. DESU 500 is pretty standard. They have a pretty big area to repair on that. The paint has to be removed from plastic in the damaged area, to a certain extent, to re apply the new finish. This is not a job you want done at Maaco. Plus, besides removing and installation of the cover, there also have to remove all the backup sensors for a proper respray.
Hang on, the dog has to pee... brb
Hey op, I work for insurance (not progressive but I've felt with them). First, your coverages are sub par at best.
Second, claim it and claim your agent failed to explain the difference. Fight it and threaten a lawsuit. They aren't supposed to sell limited to you with a lien, however unlike Michigan (the only other state to offer that shit coverage) it isn't the law.
Last option claim you hit a deer. It's comp then.
>>13958389
this
>>13958422
Thanks for your help anon - I will just suck it up and get it done I guess.
If you have time you might consider doing a thread to help out other anons like me.
Thanks again
>>13958422
Ok. Cont...
So. If you want to go the cheap route, they should buff out the white transfer crap, and get some touch up paint. You will need to t/u a couple times in the black spot for it to cover or hide that black plastic. Silver hides like shit.
It's of course not going to rust, so it won't get any worse.
>>13958071
That thing is shit.
So everything is covered other than the thing that is the most likely thing to happen?
>>13958389
No body shop marks parts up 100%. Even 50% is outlandish. We mark up like 20 or 25. That's the industry standard.
No insurance company will pay more than the national standard. They just won't issue payment, or will tell the car owner that the bodyshop is being difficult and won't hesitate to explain that the shop is charging extraordinary money for the repair.
Other than that, solid advise
>>13958460
you now understand how insurance works
congrats
>>13958425
Insurance fag here, for those wondering, limited collision insurance is sold in Michigan and Massachusetts. It covers the vehicle only of you are less than 50% at fault. It's shitty and my company pretty much refuses to sell it. Most have regular which covers the vehicle regardless. Broad is available in Michigan which just means if you are less than 50% at fault we waive your deductible.
>>13958460
That is what comp covers. Collisions is a separate line item.
>>13958451
One thing you could do.
If you can talk the shop into it, they might be willing to hang some of the parts (new fender, bumper) without painting them. And you will avoid the door blend too, also you could leave the hood for now.
Whatever internal damage is done needs to be fixed and painted to ensure proper part alignment, and corrosion protection, but it would chop a bunch of the out-of-pocket costs.
A dealership is not going to be as willing to do this as an independent collision shop. And, be aware that if this is the route you choose, they might have to do some minor repairs to the new parts if and when you choose to get them painted due to rock chips and the like.
Good luck!
>>13958480
That is the dumbest thing I have ever heard, and that was never explained to me when I bought the policy. For more background info:
I bought the car in August of 2014, and the agent then transferred my existing state minimum liability only policy to a brand new car with a lien. THIS WAS SO WRONG.
When my policy was up for renewal 6 months later, the agent caught it and told me I needed comprehensive and collision, so I bought what I thought I needed. The difference was not explained to me, and I feel totally fucked over by Progressive right now, for the second time.
Everything is awful about them.
>>13958336
That is an insanely clean alignment rack.
>>13958511
Call a new company or two, three, tomorrow. Get a new policy, and call progressive and tell them to get fucked.
>>13958511
Like I said, fight it with your insurance. Explain to claims that you were not explained the difference by your sales agent. Can't say they will pay, but it's worth a good shot. Be firm and adamant. Realistically it's your word against them and if they fucked up the first time, you have a shit agent who probably didn't notate proof.
Also bump up part 3 and 4 (compulsory liability and prop damage) to no less than 50/100 and 50. Even that is shit tier in my book.
>>13958523
Thanks friend, I spent a lot of money on this set up so I keep it clean. Plus the customers like the fact that it's not a fuckin greasetrap
>>13958540
I'll be calling tomorrow, thanks for the confirmation of what I thought.
I'll also make those recommended changes right now.
>>13958542
Jesus Christ that alignment rack is clean af. Too bad you have an ugly car.
>>13958542
I'll bet. In the bodyshop, new stuff is usually clean for a couple hours. Maybe a day at the most. After that it gets covered in a nice thick layer of dust and overspray.
Props on that again. Shit looks brand new.
>Btw I'm jelly if you can't tell
>>13958542
Also, it kind of blows my mind that people with expensive Audi's(kek) would take their car to get electronically aligned.
>implying OP didn't hit the cat and that's what happened to his tin can Japanese car
>>13958336
>that wheel gap
absolutely disgusting.
>>13958477
I had a window broken in my car, I forgot the exact price but it was at least 30% more expansive than what the dealer sold the glass for, and I could have gotten that same genuine glass online for about half.
I'm pretty sure the shop doesnt pay dealer prices, and have major shipping discounts.
>>13958633
I know, once I waste these tires I'm going with thicker tires to fill the gap
>>13958622
Are you saying it should be done manually, with string or something? Lol
I do everything from stanced shitboxes to Ferraris
>>13958615
That's the reason I could never own or work in a body shop, I'm crazy about shit like that. Doing things mechanically is just know how, body and paint is actual art.
>>13958651
>I'm going with thicker tires to fill the gap
why not just lower it instead of being a faggot?
>>13958542
>>13958651
>clean shop
amateur hour, filthy shop is the mark of expertise
>lead tech asks if I've seen some valvesprings lying around anywhere
>his engine rebuild is literally strewn to all 4 corners of the shop
>few hours later
>see a box under some leaves
>it's the valvesprings
>there aren't any trees anywhere near the shop
pic unrelated
>>13958682
did someone just spray everything with black paint?
>>13958651
I remember when I took pictures of customers cars to post them on 4chan to look cool, but then I turned 12
>>13958700
I think he's posting them to show how daddy's money bought him a shop and connections.
>>13958696
Not just paint, they primed it first
>>13958700
So you were that guy posting the pictures of VWs on the rack 6 months ago
>>13958682
Each to their own lol, organized and clean is best imo
I don't have time to be searching for shit under leaves
>>13958119
Did you ever take drivers training at all? They instruct you to hit anything that's the size of a dog or smaller.
I literally learned that when I was 14 years old. You made a great example as to why to do that.
What's done is done, hopefully you will learn from this lesson
>>13958257
I would still hit it anyways, bumpers are cheap as fuck, you know compared to insurance and medical bills,
>>13958713
sweet jesus
>>13958773
Size of a dog? Dude there are some fucken grizzly bear sized dogs out there. Ever heard of an English Mastiff?
>>13958773
relax, the eternal truth is he was doing epic doriftu on the toe gay
>>13958052
I don't get it. It says limit is "actual cash value" and your deductible is $1000. It looks like it should cover it. Who told you otherwise? Your insurance agent?
>>13958106
>namefag is an edgelord
wow color me surprised
in my country it is illegal to take evasive maneuvers to avoid shitty little animals. youre a girl OP, should have ran the fucker over. you probably swerve for rabbits and foxes on the touge top kek
>>13958221
Fixing a dented door and replacing a mirror, and painting the whole fucking side of the car, cost me $3k (well, not me, the cunts insurance.) when someone backed into my car. I wouldn't be surprised at 5k+ for yours. I don't imagine you'll need to paint the whole car to blend it right since there shouldn't be any fading on a new car.
>>13957978
thats quite a bit of damage anon.
>>13958974
>step 1: Open hood
>step 2: look at cylinder count
>step 3: it's fucked if there is less than 8
>>13958042
Holy shit man there is no number on my policy below 50k dollars.
>>13958479
but i've been able to claim insurance on a collision to a barrier that i had and was my fault not even two years ago.
Is it just US insurance companies that are scammers?
Your insurance sounds fucked mate.
In Australia comprehensive covers everything, you hit a guardrail being dagumi, pay the excess and get it fixed with higher premiums. Hit someone at complete fault and they get paid.
Lower is third party, only $20 is a month and pays for others but not you, just need to hope you aren't at fault and the other guy doesn't do a runner
>>13959083
Depends who your company is progressive is the lowest of mainstream auto insurance providers.
>>13958042
>$20,000 each person
that's enough to cover half a bottle of tylenol in a hospital
Get more comprehensive insurance dude. Especially considering you crash when swerving around cats, it could have been a family in their car or on the sidewalk that you hit, and you would be FUCKED
>>13959113
Yeah dude, I have a 500,000 on property damage and 250k for hospitals
state min is like 30k for property damage. you slam into a street light and knock it down, it costs 50k to put it back in place.
>not hitting the cat
How do people hit a guard rail from swerving? I dodge animals doing 100kmh all the time just by turning my wheel a little bit and I'm no dagumi.
>>13959337
Swerving to miss an animal is the oldest excuse since the bronze age.
isn't there an insurance plan that covers damages even if you're at fault? why didn't you get that?
>>13958651
nothing wrong with the old ways - one of the most well respected alignment shops in socal still uses gauges and plates.
>>13957978
Thanks OP, now I know to hit small animals instead of swerving like a fuckstain
im sure a tiny cat wouldnt damage shit. shouldve plowed through the fucker and clean what residue it left on your car later. wouldve saved yourself thousands
>>13959429
lolautorobot
>>13959477
whos it
Dude I would have hit the fuck out of that cat, cats suck anyway. Now look where your morals got you.
>>13958119
>40 in a residential area
You got what you deserve you stupid fuck. Enjoy that 6k bill.
>>13958900
If its a big dog then just hit the brakes. I would much rather hit a big dog like a great dane than a guardrail
>>13959099
The US typically has three major coverage types.
Liability is damage to others
Comprehensive is damage to your own vehicle that isn't a collision, like theft, vandalism, tree falling on it, and even includes wildlife damage.
Collision is what pays to fix your shit if you fuck up dagumi-ing or just sucking at driving.
>>13959337
MacPherson struts and and engine design from the 50's. OP is driving an antique.
>>13959655
idiot.
>>13959678
I know what was OP thinking
>>13958042
>>13959078
>not $100K/$300K/$100K master race
>>13959560
This. Even if you still hit it you just hit an animal going slow, better than going sideways into a guard rail at speed. For what it's worth the animal might live
>>13958712
He used to work in that shop, now he owns it.
>>13958336
Shouldn't you hide the fact you bought federals?
>>13957978
Looks like you won't be crushing any pussy in that car again.
>>13957978
>Crumple zone.
Sorry anon. I hope that pussy was worth it. It is a write off.
>>13960368
The RS-Rs are great tires and so cheap I don't give a shit that I change the rears out every 4-6k miles
>>13959825
Mah Nigga.
I drive a shitbox 240sx, yet have high liability coverage on it. All it takes is hitting one expensive car around here.
>>13958042
>20K for medical coverage
Holy shit anon, that will cover nothing.
>>13958009
>implying anyone here likes people more than cats
>>13959655
>engine design from the 50's
https://en.wikipedia.org/wiki/Flat_engine#History
https://en.wikipedia.org/wiki/V_engine#History
Nope. Wilson-Pilcher was the first to use a flat engine in 1901, only 2 years after Daimler built the first V engine in 1889. Basically everything besides the rotary and VR engines had already been done by the 1920's. Pretty much all the manufacturers have been doing since then is improving materials and tolerances.
Unless it's a person, I ain't stoppin for that shit. People can sue, animals can't.
Take a 10mm socket and take the fender off. The light still works, so the car's legal.
Did you really buy DORIFOTOOOTOTO CAROOO to no beat the shit out of it, faggot?
>>13957978
Just weld on some steel panel
>>13959113
I have $1,000,000 and it's not really enough if i seriously fuck someone up somehow. I'm upping it to $3,000,000.
>>13960387
underrated.
Tragedy!!!! Ran into a curb one time myself
>>13957978
>I swerved to avoid a cat
What a fucking retard, you should've just drive over it. But I bet your retarded ass would lose control over a roadkill bump too.
>inb4 PETA and muh cats
>>13961302
RSR are garbage they are only good because they are cheap
WHY
DIDNT
YOU
LIE?
CAT IS ONE LETTER AWAY FROM CAR
YOU COULD HAVE SAID A CAR WAS ONCOMING INTO YOUR LANE
AAAAAAAAAAAAAAAAAAAAH
>>13957978
>swerving for anything smaller than a horse
>>13962872
Like I said great because cheap. Once you heat them up its good fun, then you heat them up too much and they get greasy and shit. Next set of tires will be Hankook RS3 or even contemplating MPSS
>>13958042
>Progressive
there's the problem, get on something else pronto
>>13961761
>the engine isn't from the 50's retard it's from the 1900's!
You ain't helping OP out
Quit complaining faggot
At least you weren't my friend.
Hes currently searching for overpriced wrxs
