PAUL T Posted April 3, 2005 Report Share Posted April 3, 2005 First off, no one was hurt. I was backing out of my parking spot at the local Kroger store this morning, it was the kind of spaces where you are nose to nose with the car parked in front of you, and after I backed out I noticed this S10 pickup coming toward me. At first I thought someone was just pulling through the parking space then I noticed no one was driving. Well, I tried to get out of his way but it caught my back passenger side fender just behind the back door. After it hit me it rolled across the lot striking and hit the lot shopping cart holder finally coming to a stop and just missing the cars parked on either side of cart holder. Well after taking the license number and the name off the front plate I had to go in and have the person paged. Kroger was interested in him also due to the damage to the cart holder. It turned out to be a kid about 16 or 17 that had 2 wrecks previous that was still on his parents insurance. The truck, which was a standard, evidently came out of gear and was either resting on my front bumper or came out of gear about the time I backed out. I guess I find out the extent of damage this week when I take it to the body shop. The fender was crushed in and just barely off the rear wheel so it is drivable. I sort of felt sorry for the kid but live and learn. Maybe he will set the emergency brake from now on. After exchanging information and filling out a police report we both went our separate ways. My wife works for a State Farm agent so she will start the process Monday. What a bummer! Link to comment Share on other sites More sharing options...
TDK Posted April 3, 2005 Report Share Posted April 3, 2005 Glad you're OK. A gal that worked for us once was stopped in traffic when a driver-less car rolled out of tire shop's lot some distance and then into her. The odd thing was that she saw it coming and had time to honk the horn. Since it was one of our company cars, we did the incident report and just had to ask... why bother to honk at no driver Add power to leave problems behind. Most braking is just - poor planning. Link to comment Share on other sites More sharing options...
PAUL T Posted April 4, 2005 Author Report Share Posted April 4, 2005 Well, the body man gave us a quote of $2800 to fix. That is replacing the rear quarter panel and trim, the rear bumper cover, and the antenna. My wife seems to think the rim is bent also, but it was not in the quote. Now we wait for his adjuster to come and give us a quote. Let the games begin. Link to comment Share on other sites More sharing options...
Caddyman Posted April 5, 2005 Report Share Posted April 5, 2005 sounds like he didnt use his parking brake.......what an idiot, sont ever rely on your transmission to hold your car! Link to comment Share on other sites More sharing options...
PAUL T Posted April 6, 2005 Author Report Share Posted April 6, 2005 Today the Allstate adjuster (the other guys insurance) came and quoted $2600 to fix my car, which is $200 less than my bodyman. The main difference is that Allstate would only quote "recycled" parts and not GM parts as my bodyman quoted. So I have to go back to my bodyman and see what we can work out. I really do not want a "recycled" rear fender. I know I could probably get a cheaper quote at some other body shop but my bodyman does excellent work and you get what you pay for. Maybe I am just being too picky for a 94 Concours with 123000 miles. I am going to take it today and get a 4 wheel alignment and have the rear rim checked to see if it was bent. That will cost me $80 bucks plus my time. I am NOT having fun yet!! Link to comment Share on other sites More sharing options...
navion Posted April 6, 2005 Report Share Posted April 6, 2005 Paul, If you have State Farm, turn it in to them and let them take it out of Allstate. If you have full coverage, you shouldn't even have to deal with another insured's adjuster. That is part of what you pay the big buck$ for. It is a lot less frustrating. Check with your adjuster & see. Recycled parts? Give me a break! I can see it if there are no new parts avalible. But right off the bat Allstate wants to use recycled parts. Probably a rust belt quarterpanel that has salt in it's hidden recesses! Guaranteed not to bubble up for at least a month after thier works warranty expires! Don't roll over and play dead. If you listed your car as a vehicle that you use to go to work, then they should supply a rental while your car is in the shop. As far as the alignment, have the shop itemize what they did. If there was an adjustment made to the affected wheel, you may claim that also. Ditto for the wheel. Note: If it is an aluminum wheel, It may be cracked. Tell your adjuster that you want it checked. If it has a "hickey" from the pickup, then it should be replaced. That is a safety issue. Good Luck, Britt Britt Link to comment Share on other sites More sharing options...
PAUL T Posted April 6, 2005 Author Report Share Posted April 6, 2005 Paul, If you have State Farm, turn it in to them and let them take it out of Allstate. If you have full coverage, you shouldn't even have to deal with another insured's adjuster. That is part of what you pay the big buck$ for. It is a lot less frustrating. Check with your adjuster & see. Recycled parts? Give me a break! I can see it if there are no new parts avalible. But right off the bat Allstate wants to use recycled parts. Probably a rust belt quarterpanel that has salt in it's hidden recesses! Guaranteed not to bubble up for at least a month after thier works warranty expires! Don't roll over and play dead. If you listed your car as a vehicle that you use to go to work, then they should supply a rental while your car is in the shop. As far as the alignment, have the shop itemize what they did. If there was an adjustment made to the affected wheel, you may claim that also. Ditto for the wheel. Note: If it is an aluminum wheel, It may be cracked. Tell your adjuster that you want it checked. If it has a "hickey" from the pickup, then it should be replaced. That is a safety issue. Good Luck, Britt Thanks for the advice but, if I turn it in to State Farm it would be subject to the $1000.00 deductable on my policy. As far as a rental, yes they will pay up to $20.00 a day for a rental, so that probably leaves me in a Cavalier, no offense intended to Cavalier owners. The wheel and alignment is being checked out as I am typing. I will know the verdict on that this evening. I have not got a good explaination on the recycled fender. I am assuming it will be low quality recycled metal probably stamped in China. I still have not agreed on anything yet, their claims person is out until Monday, so that gives me this weekend to put some things together. I will let you know how it turns out. Link to comment Share on other sites More sharing options...
KHE Posted April 6, 2005 Report Share Posted April 6, 2005 I would push back on Allstate - inform them that your car did not have recycled parts on it when it was hit and that you want it the same condition that it was before the accident (which did not include junkyard parts....). I would recommend paying the $200 difference before letting them install junkyard parts or made in China parts... Kevin '93 Fleetwood Brougham '05 Deville '04 Deville 2013 Silverado Z71 Link to comment Share on other sites More sharing options...
Ranger Posted April 6, 2005 Report Share Posted April 6, 2005 They will try to get away with anything they can until you firmly advise them that it is unacceptable. You do not have to accept recycled parts. Link to comment Share on other sites More sharing options...
navion Posted April 6, 2005 Report Share Posted April 6, 2005 Paul, Even if you have a $1000.00 deductable, you were not at fault you should not have to pay a dime. Allstate will be the payee. If you have State Farm handle it they will go after Allstate for you. Talk it over with your State Farm Rep. State Farm should back you on the repair parts also. I have found that letting State Farm handle the others insurance claim always worked out better and with less headaches. If you deal directly with Allstate, (or any other "at fault" company for that matter) you will come out on the short end every time. Take Care, Britt Britt Link to comment Share on other sites More sharing options...
PAUL T Posted April 7, 2005 Author Report Share Posted April 7, 2005 Paul, Even if you have a $1000.00 deductable, you were not at fault you should not have to pay a dime. Allstate will be the payee. If you have State Farm handle it they will go after Allstate for you. Talk it over with your State Farm Rep. State Farm should back you on the repair parts also. I have found that letting State Farm handle the others insurance claim always worked out better and with less headaches. If you deal directly with Allstate, (or any other "at fault" company for that matter) you will come out on the short end every time. Take Care, Britt My wife works for my State Farm agent and she has been handling our claim. In West Virginia things are a little different than in other states. I will pass on the info to her though. I may take the car to another State Farm approved Bodyshop for an estimate and insist on Allstate to provide me with a better figure including GM parts, especially the rear quarter panel. I did find out that the car was knocked out of alignment and the rim was not bent. After the alignment the car rode much better. After looking at the rear wheel the shop noticed the rear brakes were thin so for $50.00 parts & labor they put new rear brakes on. Link to comment Share on other sites More sharing options...
pos2nat Posted April 7, 2005 Report Share Posted April 7, 2005 If you use your insurance company (State Farm) you will have to pay your $1000 deductible, then your insurance company will have to subrogate the repair cost of the vehicle and then the $1,000 deductible from Allstate. Using Recycled parts which are OEM parts that have been used on another similar vehicle, not aftermarket parts, is an insurance industry standard for vehicles over five years old with more than 50,000 miles. Your insurance company will win the subrogation for the repair cost up to $2,600 + rental for a luxury car while your car was being repaired + four wheel alignment. Your insurance company will not win back your $1000 deductible, Allstate will prove that the estimate was within insurance industry standards, and you will be out of pocket for a grand. If you want OEM parts on the 94, add the $200 and have your guy do the repair. Adjuster. Link to comment Share on other sites More sharing options...
navion Posted April 7, 2005 Report Share Posted April 7, 2005 Paul, I'll have to admit, $50.00 for a shop to install new rear pads and supply the parts is a heck of a deal. Admittedly the car was already there for other work. You must have a good shop. That driverless pickup must have really whacked you to knock the alignment off! I am interested in what State Farm's response is to your problem. I have had State Farm Insurance since 1966 and I have always been treated fairly. As far as the Caviler, be thankful that it isn't a Yugo. Several years ago, the company that I worked for bought a fleet of Ford 3/4 ton diesel pickups. they bought the extended warranty that even replaced the windshield wipers & brakes. Everything except the tires. $$$ When I would take it in for it'w 5000 mile service, they would invariably give me an Escort to drive. As we worked in road construction and had a large quarry, an Escort wasn't really up to the task. They would complain when we brought the Escorts back coated with quarry mud & dust. A couple of my co-workers "removed" various exhaust parts by driving on the quarry roads. When Ford complained, I told the local dealer that the trucks that we bought we commercial, heavy duty pickups. It is not reasonable to expect that the loaner vehicles would not be subjected to the same service that the pickups were. If a customer brought a pick-up in, then he should get something similar as a loaner. (Loaners were part of the warranty package.) Hopefully you won't be relegated to the Caviler for very long. Britt Britt Link to comment Share on other sites More sharing options...
Caddyman Posted April 7, 2005 Report Share Posted April 7, 2005 Here in VA if someone puts oyur car out of cmission, they or their insuarance company must provide oyu with a rental vehicle for as long as the repairs take, butthe vehicle must be the saem class and type of car. My mom got hit in her eldorado, and it was in the shop for 3 weeks, so we havd a 2004 devill ein the driveway for 3 weeks at no cost to her. If oyu fight, in writing you will get most of your money back... Link to comment Share on other sites More sharing options...
PAUL T Posted April 7, 2005 Author Report Share Posted April 7, 2005 Paul, I'll have to admit, $50.00 for a shop to install new rear pads and supply the parts is a heck of a deal. Admittedly the car was already there for other work. You must have a good shop. That driverless pickup must have really whacked you to knock the alignment off! I am interested in what State Farm's response is to your problem. I have had State Farm Insurance since 1966 and I have always been treated fairly. Britt The tire shop I had the work done in is the best in this area. It is family owned and they are very trustworthy. I take all my vehicles there for tires and minor mechanical work. I think they charge $10.00 per wheel labor for brake pad change. I have had tires that have had separated belts that may only have 50% tread and they always replace them free. They are just there to make a good living not to make a quick buck. If they tell me something is wrong with my car I can be sure something is wrong. They change my oil for $6.00 labor. You just do not find shops like that very often. State Farm has always been good to me, I can not complain. My wife is going to push a Deville rental very hard. After reading the Allstate estimate the "recycled" parts are garanteed as long as I own the vehicle. There is a "however clause" that states I can insist on GM parts. The truck that hit me was on an incline and it did hit hard enough to put the fender into the antenna motor. If it had not have hit the cart holder it would have jumped the curb and over a 10' bank and into Walmarts lot, which has happened before. Here is one picture. Link to comment Share on other sites More sharing options...
PAUL T Posted April 7, 2005 Author Report Share Posted April 7, 2005 Here is another angle. Link to comment Share on other sites More sharing options...
Scotty Posted April 7, 2005 Report Share Posted April 7, 2005 Bad hit, now I see why its $2,800 now...Good Luck Link to comment Share on other sites More sharing options...
davedog Posted April 7, 2005 Report Share Posted April 7, 2005 OUCH! I feel your pain! Good luck in getting it fixed! -dave Crystal Red Tintcoat Exterior | Shale/Brownstone Interior | 32k Link to comment Share on other sites More sharing options...
PAUL T Posted April 25, 2005 Author Report Share Posted April 25, 2005 Well, I was supposed to take my car in to the repair shop today, but the shop owner said he had trouble getting the rear quarter panel. He called GM and they do not make the rear quarter for my 94 Concours anymore. Then he called the recycled parts place, that Allstate had listed on their estimate, but that guy said that when he went to get the recycled panel it was too rusty too use. So my shop guy calls Allstate back and now they have to re-evaluate the car to be repaired by just hammering it out and smoothing with body filler, which my shop guy says will take longer to do to get right. So unless someone finds a recycled quarter panel I am stuck with getting it hammered out. Also, I talked to the rental company and they did not have a Caddy but, I would be getting a full size car for a rental. I will be picking up the rental today, I will let you know what it is. I should have took the money and just went a bought a newer Caddy and kept the old one for a beater. Link to comment Share on other sites More sharing options...
Scotty Posted April 25, 2005 Report Share Posted April 25, 2005 I just did a search under www.car-parts.com and there were a bunch of quarter panels, Mike Link to comment Share on other sites More sharing options...
navion Posted April 25, 2005 Report Share Posted April 25, 2005 Paul, I think that the body shop is correct in that it will be really hard to get that quarter panel straight. Plus the fact that it will be susceptible to rusting under the filler if not done exactly right. I typed "Cadillac Recyclers" into my search engine and came up with several. www.usedcars.com/autoparts/cadillac had l list of several different yards. I'm surprised that the insurance company can't find one for you. They should have contacts all over the country. I would try for one from Arizona or Nevada if possible. Good Luck. Britt Britt Link to comment Share on other sites More sharing options...
navion Posted April 25, 2005 Report Share Posted April 25, 2005 Paul, I forgot to add that the gash would have to be welded before any body filler was applied. If there is ANY chance of moisture getting behind the body filler, then it is sure to cause the filler to bubble up one or two years later. Did it miss the passenger door or is there a nick in it also? Britt Britt Link to comment Share on other sites More sharing options...
PAUL T Posted April 25, 2005 Author Report Share Posted April 25, 2005 The passenger rear door was just rubbed about an inch. I will find out tomorrow when the adjuster comes to look at it again if they will be able to find a quarter panel. I think they are not looking too hard. I do not know how many years they carried the quarter panel for my car especially one that had the fender skirt. Allstate says they will pay for a fix for as long as I own the car if it bubbles or rusts out. As far as the rental goes we ended up with a new Envoy. Link to comment Share on other sites More sharing options...
navion Posted April 25, 2005 Report Share Posted April 25, 2005 That is nice that they would offer to fix it if it has problems later. Personally I would have them show me that in writing. I would rather have the repair done correctly and not have to jump through all the hoops that would be there if the repair proved faulty. By the way. You could actually be an unsung hero. If that pickup had managed to get down the hill to the Wal-Mart parking lot, it could have injured or killed someone! I hope that you get your Caddy back soon. A new Envoy? That's not too shabby. At least it is not and Escort or a Yugo! Britt Britt Link to comment Share on other sites More sharing options...
PAUL T Posted April 25, 2005 Author Report Share Posted April 25, 2005 That is nice that they would offer to fix it if it has problems later. Personally I would have them show me that in writing. I would rather have the repair done correctly and not have to jump through all the hoops that would be there if the repair proved faulty. Actually I do have it in writing, it is on their estimate. I know State Farm has had that policy for many years and I guess Allstate does too. Yes the Envoy is not bad, my wife was not too impressed though. The gas mileage is not as good as my Caddy unfortunatly, but it will be cheaper due to not getting 93 octane. As far as running into Walmart, there is a 10' bank that it could have picked up speed, the area is not a high pedestrian traffic area though. My wife says it has happened before and it smashed up quite a few cars before it got stopped. Link to comment Share on other sites More sharing options...
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