by karl.owen » Sun May 16, 2010 11:22 am
2010 Honda CRV
#3 vehicle in a 5 car pileup
Last vehicle charged with accident(ticketed)
Front damage(minor)
Rear damage (MAJOR)
Repairs (pending)
Details..
2010 Honda CRV (owned less than 4 months)
middle car in a 5 car pileup
Reside in ..Orange Park, Florida
We have a 2010 Crv, and were the middle vehicle in a 5 car pileup (vehicle 3). The last person in line was charged with the accident and we are taking the CRV to a body shop of our choice. It looks to be mostly front fascia(minor) and rear hatch/bumper damage(MAJOR). The rear hatch hinges are bent really bad, which in turn has torqed our roof skin. The roof skin has minor damage, but its there. My worry is that because of the mostly cosmetic damage, that the roof will not be taken into consideration. We have had the vehicle less than 4 months and now if they do "fix" it, our value will still drop dramatically because of the accident. Not to metion if we ever go to trade it in how this will affect that value too! My question is, if we're not happy with the repairs, is there anything we can do? as in refuse to take delivery? Or fight to have it "total lossed"? I dont believe its right to have to take a "value" loss? Thanks for any help... Karl
#3 vehicle in a 5 car pileup
Last vehicle charged with accident(ticketed)
Front damage(minor)
Rear damage (MAJOR)
Repairs (pending)
Details..
2010 Honda CRV (owned less than 4 months)
middle car in a 5 car pileup
Reside in ..Orange Park, Florida
We have a 2010 Crv, and were the middle vehicle in a 5 car pileup (vehicle 3). The last person in line was charged with the accident and we are taking the CRV to a body shop of our choice. It looks to be mostly front fascia(minor) and rear hatch/bumper damage(MAJOR). The rear hatch hinges are bent really bad, which in turn has torqed our roof skin. The roof skin has minor damage, but its there. My worry is that because of the mostly cosmetic damage, that the roof will not be taken into consideration. We have had the vehicle less than 4 months and now if they do "fix" it, our value will still drop dramatically because of the accident. Not to metion if we ever go to trade it in how this will affect that value too! My question is, if we're not happy with the repairs, is there anything we can do? as in refuse to take delivery? Or fight to have it "total lossed"? I dont believe its right to have to take a "value" loss? Thanks for any help... Karl
Posted: Mon May 17, 2010 01:55 pm Post Subject:
Mike, you aren't saying that you can collect both...PD payment from at fault party, in ADDITION to collision payment from your own carrer...?
I don't want to hijack this thread with this discussion but I would like you to read the entire page that I referenced at the ican site. I know of at least one attorney in Phoenix that represents the vehicle owner using this method successfully. Read the example the J.D.Howard presents and if you have any disagreement with the procedure, I'll ask him to address your points.
In a different article the author suggested the following
(if the other party is at fault): You should advise the other party's insurance company that you're pursuing a claim through your carrier and will seek reimbursement for costs your carrier will not pay, including your collision insurance deductible, time off work, auto rental differential and the amount of your diminished resale value, Howard says.
If you have the patience to take an unconventional route that will be challenged by your carrier, Howard believes that if the other party is at fault, you should file claims with both carriers.
"You cannot collect twice for the same thing," he says. However under "multiple source recovery," he adds, "you can collect from two sources and put the checks in a kitty and decide how much was paid for what."
This means meticulously itemizing every expense involved, and which carrier's check paid for which expense. At the end of the process, you would submit the itemized list to your carrier and, if there's anything left in the kitty, you would write a check for the overage to your own carrier.
Posted: Mon May 17, 2010 04:30 pm Post Subject:
There are as many ways to skin a cat as there are cats. You just can't do it twice to the same cat.
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