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Car was hit... insurance decided total loss

 
Old 06-14-2019, 06:19 PM
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traxtar928
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Default Car was hit... insurance decided total loss

As the title says... car was hit 2 months ago while I was driving home in my subdivision. Little old lady accelerated out of her stop sign right into the drivers side door hinge and fender. I tried to swerve out of the way, but to no avail. She kept right on driving while pushing my car for about 10 ft. All I could do was look at her helplessly while my car slid along the road with her still pressing the accelerator. Eventually, her front bumper fell off, she ran over it, and she stopped her vehicle.

Damage seemed minor, but it's a sweet spot. The driver's door was no longer flush with the A-pillar, the cowl gaps were inconsistent, the fender was smashed, and the passenger tire clipped the passenger fender. The passenger side fender gap was also off, so the hit traveled across the front end to the passenger side. The side skirt was also no longer flush to the fender.

Initially, they were going to total the vehicle for $12,000. Luckily, I've saved my receipts... to the tune of $40,516.30 over the last 10 years in parts alone (Some body work, the vehicle wrap, sean doing the top end, etc is also figured in there). If I charged myself shop labor rates, I'd have $60.5K invested in the car.

So, they had to repair according to state law. We have a 100% value repair requirement... so until the repairs exceed 100% of the value of the car, they must fix the vehicle. Some states move to total loss at 70%, or whaveter. Anyways... about 1.5 months into the job, they were only able to find 3 or 4 of the used parts required for the repair. By law, they must try and find used parts since it's an older car, and they must warranty the parts they use for life. It's a strange policy, I've never heard of. But, that's State Farm in Texas I guess.

Anyways, I checked in on them to see how long it would take to complete, since I was in a Dodge Challenger Hemi rental (like for like vehicle). They said 6 months to 1 year estimate.... I called State Farm to see what they thought about that, given that the rental cost would likely exceed my car's value (whatever that might be, given my receipts). I got a call from the total loss department a few hours later saying they'd take the car and write me a check. No chance for buy-back, unless I bid on it myself at auction. I got a very nice check. Almost $40K, which is more than fair, but considering that I had my receipts nicely documented and cross-referenced into a spreadsheet, it makes sense.

To quote the insurance adjuster... 'This is the number we determined because of your good documentation'.

Moral of the story... SAVE YOUR RECEIPTS, and document EVERYTHING. Put it into a file like I did. I also scanned all the paper receipts and put them into a giant PDF. See attached for the spreadsheet.

I could have sold the car for around $25K on a good day. It needed new driveshaft bearings, and a torque converter bearing. The transmission occasionally slipped going from 3rd to 4th... and a replacement spring did not resolve that. It only happened about once or twice a month. Nothing to cause worry. Other than that, the engine was solid and well maintained. EVERYTHING worked on the car. The HVAC system was cold. There was barely a part on the car that hadn't been replaced during my ownership. Even the interior was in excellent shape, save for a growing crack on the dash near the glovebox and windshield vents, and a small crack from hard leather on the passenger seat. The car even had a brand new green-glass windshield imported from Germany.

If anyone is interested in bidding on the car, it's listed here: https://www.copart.com/lot/39071349/

I can hand over all my documentation of the car's history to whomever becomes the new owner. I'm sure that word will travel for wherever it ends up. It's pretty unique.

Here's some of the notable parts on the car:

Engine/drivetrain:
  • 40k miles on timing belt
  • 40k miles on PorKen belt tensioning system
  • 40k miles on Water Pump
  • New 928 Motorsports Radiator
  • New Greg Brown Fuel Lines
  • New Volvo Solid Motor Mounts
  • New Air Filter
  • New MAF
  • New fuel pump and filter
  • Smog Pump Delete
  • New oil pressure sender
  • New oil pan gasket
  • Oil pan stud kit
  • Only Mobile 1 15W/50 oil used (correct ZDDP content in oil)
  • New Transmission Gasket/Fluid
  • 928 Docs Top end engine refresh (Sean also replaced subassemblies on the manifold)
  • New LH ECU module
  • 928 Docs front engine harness
  • Stainless X-pipe
  • Stainless RMB
Steering/Suspension:
  • New (Reman) ZIMS Porsche steering rack
  • Delrin Rack Bushings
  • New Tie Rods and ends
  • New Lower Ball Joints
  • 928MS tow hook skid plates
  • New Steering Pump
  • New Steering Fluid Housing/Filter
  • New Power Steering lines
  • 10K miles on Rear Tires (Michelin Pilot A/S sport)
  • Mile Miglia Cup 3 Wheels (some curb rash on right 2 wheels)
  • Stoptech slotted rotors front/back
  • Stainless Steel brake lines
  • Refurbished e-brake cable system
  • Refurbished ABS sensors system
  • 928MS tow hook skid plates
Electrical:
  • New Battery
  • New Positive cable from battery to starter
  • New Alternator
  • New Ground Straps (all)
  • New Porsche Spark Plug Wires
HVAC:
  • New AC Compressor, Condenser, pressure switches
  • All HVAC diaphragms replaced
  • New HVAC blower motor
  • New cabin temp sensor
  • Refurbished HVAC head unit
Interior/Appearance:
  • Pristine dash pod (no cracks at all)
  • Green Glass windshield imported from Germany
  • GTS windshield gaskets
  • LED gauge and button bulbs
  • Powder coated intake/valve covers
  • Isotta Strada Steering Wheel
  • Paul Champagne black leather shifter boot
  • Push to shift manual-appearance shift ****
  • New Bob Budd carpet kit (black)
  • Reconditioned seats (Champagne, or camel??? Can't remember color name. Passenger seat bottom has leather crack)
  • Neoprene hood liner with silver Porsche logo
  • Custom Wide body Spoiler (very similar to jacquemond)
  • AIR side skirts
  • Alpine Stereo Head Unit with spare tire subwoofer (all speakers original and working great)
  • All factory booklets intact (including relay booklet)
  • 3 years old 3M Blue Raspberry metallic vehicle wrap (jambs included)
  • Clear euro corners
  • Hella 007424801 twin horns
  • I'm sure there's more.....
I have some remaining parts to sell. Anyone interested?
  • Rebuilt Torque Tube with 25mm shaft (Shaft needs to be re-set in the bearings) - $200
  • Stock Muffler - $150
  • Stock exhaust B-pipe with catalytic converters - $400
  • 2x large square speakers with grilles (excellent condition) - $50 ea.
  • Used air filter in good condition - $20
  • New oil filter - $10
And the photos:

















Attached Files

Last edited by traxtar928; 07-19-2019 at 09:00 PM.
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Old 06-14-2019, 06:26 PM
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first off, happy to hear that you are alright; accidents can always be worse, so good fortune there. next, very sad to hear about your loss. what a great looking car, with wonderful service history. certainly a great lesson for all of us to keep those receipts. like you, I am super **** with all my cars and even keep little things like light bulb receipts. visually it doesn't look so bad; its amazing how even light slow speed collisions can completely destroy a car. PM sent regarding parts.
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Old 06-14-2019, 06:33 PM
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traxtar928
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Thank you. It's a sad day. PM replied.
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Old 06-14-2019, 06:38 PM
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Sorry to hear about your car, but glad you are okay.

Gonna buy another one?
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Old 06-14-2019, 06:43 PM
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First I'm looking for a new daily driver. I'm about to pull the trigger on a beautiful 2013 Jaguar XKR (Love a GT car... I think I'l always have one for a daily). I'd love to have another 928 as a weekend warrior.




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Old 06-14-2019, 06:50 PM
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Originally Posted by traxtar928 View Post
First I'm looking for a new daily driver. I'm about to pull the trigger on a beautiful 2013 Jaguar XKR (Love a GT car... I think I'l always have one for a daily). I'd love to have another 928 as a weekend warrior.
Do you have a year model and price in mind? There are several around locally for sale, but not advertised anywhere.
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Old 06-14-2019, 07:49 PM
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I would look at a corvette. At least drive one.
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Old 06-14-2019, 11:16 PM
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It is always sad to see another go to the graveyard, especially so well cared for.

I would be interested in the X pipe and RMB.
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Old 06-14-2019, 11:28 PM
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You had a beautiful well sorted 928. Great color and the work you did (proven by the detail and pics) were outstanding. Glad you had a good settlement with the insurance company and my vote is for you to get whatever floats your boat as a replacement. I'm not a big English car fan due to owning an older one (70's) and constantly chasing electrical gremlins but you only live once, and I am a believer in doing whatever makes you happy....life is short
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Old 06-15-2019, 08:05 AM
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Sorry to read this but as everyone has mentioned glad you are OK. Cleary you loved your 928 and it was a beautiful car. I wish you were able to buy back your car from the insurance company, as I would love some parts off it for my '87 and I'm in Houston, so would be happy to fly up 45.
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Old 06-15-2019, 08:52 AM
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[QUOTE=traxtar928;15908209]First I'm looking for a new daily driver. I'm about to pull the trigger on a beautiful 2013 Jaguar XKR (Love a GT car... I think I'l always have one for a daily). I'd love to have another 928 as a weekend warrior.

QUOTE]

Sorry to read this saga and the loss of yet another 928. Most 928 disasters do not meet with such reasonable outcomes when Insurance companies are involved. Many Rennlisters have suffered real losses when their cars were totalled and never recovered even half of their investments in their cars. Organized records and patience were obviously the keys to your real value outcome.

I would not want to be without a 928 either, they have such unique character and capacities. Good luck in your search!
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Old 06-15-2019, 11:08 AM
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Sad news on Your loss. I too am looking for a "hens tooth" of a 928! Anybody, anywhere let me know of anything available.
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Old 06-15-2019, 01:28 PM
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I tell my daughters that old people on the road are just looking for someone to have the accident that takes their license. Sorry this had to happen to you, beautiful car.
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Old 06-15-2019, 01:29 PM
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Glad no injuries. Nicebpayout though.

Pmsent on belly pan.
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Old 06-15-2019, 02:11 PM
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Beautiful car.
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