shortyboy

it happend on last friday when i was working on my 951.while i was underneith i heard a lound crash.i thought someone got hit at our intersection cuz hardly any stops at the stop sign.after putting on my starter,i looked to see what had happend and low behold it was my 83 944 in the neighbors driveway.the driver who hit me said he he dropped his phone, when to get it and swirved right into my car.he might have been going 15-20mph.well.....during the accident i also got 2 tickets cuz the car had expired papers.i only moved it there a few days earlier cuz i had to work on the 951.his insurance evaluator came today and looked at the damage.before i tell you guys how much the estimate is i figure i show the carnage first.









now the estimate the guy gave me was $8700.which was a rough estimate from looking at the body,they didnt go underneith yet and see some things that shifted.i might part it out,dunno yet.good bye snub nose 944.the funny thing is my first car was a black 83 944 porsche which my dad and i totaled in an accident from dry rot tires and a puddle on the road(hydroplain), and now this.it gets me a little worried about putting my 951 on the road.

V2Rocket

shoot, $8700 is worth more than the car lol...take it.

944kid

don't take it, ask for more! then put it towards the turbo.


that sucks man, I hate seeing 944s taken off the road.

greenshoes3

total. that fart can needs to go. no offense, but i would be glad it got hit, might give you a reason to ditch it.

Yummybud924

that sucks.

I'm always worried that I'll get hit. I don't get collision insurance for my cars because I can't afford the extra money for collision. without collision i pay 140 / month for my 944 with crash it's 250 bucks a month which is too much.

I've been told if you get hit and it's the other persons fault you still get paid only if it is my fault I'll be screwed.

that looks horrible, that car is totalled.

apierce918

i think thats considered limited collision

im surprised the hatch survived that impact!
My car is insured for 5 grand, if its an accident, i think i'll get paid out ok, i pay 270/ Year for full coverage, but its supposed to be in a locked garage, and only have 4000 miles/year. well, they knew it had 106,000 miles (i neglected to mention the odometer doesnt work, and it reads 107,120, so im just gonna drive the hell out of it

boston951

That sucks, but at least nobody was hurt. The insurance offer does seems fair. However, without rejecting the offer, you could ask for a bit more money. One never knows....

ClassJ

That is the estimate for repair I am assuming. Regardless of who is at fault here, I would think they are going to just total out the car and give you book value. It is possible to do 15K dollars damage to a 944, does not mean you are getting a check for that. Which is where the fun starts in arguing the value of your car.


It is amazing to me how insurance companies get away with crap. If they do not want to total a car, your car's value is inflated. If they want it totaled, the car is worth nothing.

We pay them money, and they always minimize the payout. Age old story.

knfeparty

That person in the Honda should be made to choose between being allowed to have a cell phone or a license for the rest of their lives.

If they would put $8700 in your hand, I would be all over that.

944Fest (aka Dan P)

I disagree. I've been paid generously and courtiously for claims by State Farm, and I know of several totals in 951s where the insurance paid MORE than the guy bought the car for. You aren't supposed to profit from the claim, just get back where you started. It is called "Indemnity". In this case, they will probably pay out between $2500 and $4000, depending on the car, and he'll get a fair $$ for the total. If you WANT $10G's in damages for the loss of a N/A, insure it for 10gs and accept the higher premiums.

IF the insurance company MAXIMIZED payouts, then you would be complaining about your rates because of OTHER people who got $10G payouts on losing a $3500 car.

Insurance is business. Making big payments on small $$$ cars does not make sense. If you really hate insurance that much, maybe you should try a different company.

Sorry about your n/a, Shorty!

ClassJ

Depends on the circumstances. In some circumstances, the car cannot be replaced by book value. And insurance companies have no idea of collectors value.

I had a car hit 5 years ago when I was with prudential. Essentially a very, very, low mileage, 20 year old car that had a blue book value of 8K dollars, but would cost 17-18K to replace. They wanted to total the car out because it had 6500 in damage or so when the car was perfectly repairable. And the premiums on the car certainly were more appropriate for a 15-20K dollar automobile. So I was paying my share of insurance premiums.

I found 5-7 cars around the country with similar mileage and condition for around 18K dollars. That to me was the replacement cost of the car.

My answer to them was to find a couple similar car with similar ultra-low garage queen mileage, options, and condition for less than 18K dollars and I would concede to that number. They could not, but were not willing to pay the " collectors market" value of the car, or the value I had it appraised at either which was around 17.5 or something. Book was book to them and I ended up getting an attny and "winning" in the end and dealing with reduced value claims and whatnot, but it was a pita to deal with.

Moral of the story is to know the real replacement value of your car. And insure wisely. In hindsight, the car should have been on a agreed value collectors policy.

The problem comes into play with low mileage cars and classics. The blue book on a cuda might be 1500 dollars. Market value could be more like 50K dollars. Regular insurance just does not have the ability to deal with such things in my experience.

I was not saying that someone should benifit from a claim. But in the above case, I had to beg borrow and plead to get my car fixed.

greenshoes3

i dunno what the big fuss is about. the car that got hit in the picture cannot be worth more than $2000, if even that. Sorry.

harrisonrick

$8700 for an 83 NA...grab it, then part it out and make another $1000.

MyBlackCar

Take the money and run!

Jfrahm

Read the post. No one has offered $8700, that's the estimate to repair it. That means it's totaled.