The day came...She's wrecked. - 986 Forum - The Community for Porsche Boxster & Cayman Owners

12-10-2005, 04:35 AM

Hey Rail26, very sorry to hear about this.

I hope everything works out well, and most importantly, I hope your health is back to 110% very-very soon.

limoncello · 12-10-2005, 05:20 AM

Rail - very sad to hear it. My wife was rear ended a year and a half ago, while she was sitting stopped in a left turn lane (nothing she could have done). It took about nine months to settle the claim and finish the paperwork.
Take care of yourself first - make sure the doc's get you into physical therapy to work on the strained muscles. Don't overstress your muscles till they're properly rehab'ed.
Legal - hope there's some smarter folks on the forum than me. I handled our claim and I think we came out OK, but the car was totalled - so less to argue about. Getting a lawyer - weigh the attorney cost versus probable gain in your position. If it makes sense, do it.
Good luck, wish I had better advice, and glad you're mostly OK.
Concur with posts above - accidents suck.

mjw930 · 12-10-2005, 05:41 AM

On high line cars such as ours it's not unheard of to request from the at fault party compensation for lost resale value. It's not a common occurrence but it has been argued successfully. I would talk to a lawyer as well as your insurance agent to see if they have any experience with this type of claim.

From the sounds of it you should be able to get the car back to near 100%. Hopefully you will be back at 100% very soon and remember, it's only a car, a material object. Don't make yourself sick over it.

eslai · 12-10-2005, 01:04 PM

Oh man, that sucks so much--totally brand new! I would have been pissed as all hell had that happened to me this year!

There should be no out-of-pocket expenses on your part since her insurance should cover everything--you won't be going through yours so there's no deductable to pay, I'm not sure if dbth is thinking of something else?

Rest up, hope it all goes okay...

Rail26 · 12-10-2005, 01:46 PM

Well, I went out the garage and checked it out and it doesn't seem as bad as I thought. I have no idea what the internal damage is, however the bumper seemed to absorb quite a bit. From first glance it looks as if most of it is cosmetic (minus the smashed muffler). The trunk does not look tweeked and the gap between the spoiler and the body remains the same distance through out so maybe that was not affected. I will post pictures once I get them re-sized. Thanks for all the advice and upbeat messages. You all are right, the important thing is I'm still around to ******************** about it. Oh well, life could be much worse. I could be riding out a hurricane and wondering what to do when I lost everything or I could still be in Iraq. Thanks and cheers!

12-10-2005, 02:13 PM

Good attitude, Rail26. You are a survivor! Now start shopping for an upgarded exhaust.

Life is 10% what happens to us, and 90% how we react to it.

Dr. Kill · 12-10-2005, 02:20 PM

Sorry to hear about your difficulty - still, as others have said - the important thing is that you are OK.

Good luck in getting this straightened out. Maybe you can make something positive out of it – replace the OEM exhaust with a Borla kit or whatever if you hadn’t done that already.

jameskk · 12-12-2005, 10:10 AM

YES, make sure to get compensated for the loss in resale value. The insurance company will most likely tell you that they don't compensate for loss in resale value, it's their standard line.. trust me, they will if you make a big enough deal over it. talk with your Porsche dealer to calculate fair value. I took a bad hit in my BMW Z3 roadster back in 1998 and I had to fight the insurance carrier over the resale value but in the end they paid me $2000 for the value, which I used to trade the car for a newer model. good luck!

SD987 · 12-12-2005, 12:55 PM

Sorry to hear about your loss...I think other boarders have covered the insurance angles, but I just wanted to add that make sure Progressive covers a "comparable" rental. A Ford Fiesta from Avis is not a comparable replacement for a 987.

It can take a long time to sort these things out. My BMW convertible got rear-ended a week after purchase, from an SUV. Exterior damage was not as bad as one would think, but after removing the rear trunk and checking out the frame there was a "crumple" and the frame was somewhat bent. Anyway, it took two months and a couple of adjuster trips before I ever saw that car again. I told the rental company to put me in the nicest thing they had (an Infiniti Q45) so I was Yakuza Pimp-man for those two months and submitted the invoice to the other insurer.

It made me feel minutely better when I was writing monthly checks for a car I couldn't drive.

AtlantaBoxster · 12-12-2005, 01:14 PM

Sorry to hear about the loss Rail. Think of it this way also, for a few weeks, you won't be driving the car, when you get it back, it will be like getting a new car all over again. Well enough for my poor attempt to make you fell better...

Here's my story.

A few short weeks after going from a Honda for 8 years (with no accidents) to the Porsche, I rear-ended someone. The process to get it repaired was very simple and a few weeks later, I had the car back. The insurance company voluntarily sent me a check to compensate for loss in value.

A whopping $104.93 for $6K worth of damage. hmmmm.... I wonder how they calculate it. I have yet to cash the check and would appreciate advice, especially after reading these posts on how to up that value.