Originally Posted by jjw285

The problem with insurance is:

• everyone has to buy it, so they all thing they are the expert
• insurance law is governed by the state, so each state is different

I have been in insurance 20 years.

- What should I expect? I sent the car to the collision center. They should replace the parts with Porsche new parts, I’m expecting

Yes. Given the age of the car, OEM parts will be used. That does not mean that used OEM parts cannot be used. The parts on your 2022 car were used, the replacement parts may also be used. If used parts are not available, they will use new parts. This does vary by state and your agent/claim adjuster can lend more insight.

​​​​​​- Vehicle had PPF and ceramic coating just installed! The insurance should cover this as well. Any advice on how to proceed?

This should be covered, no issues.

- My biggest concern is the vehicle depreciation. I spoke to insurance claims today and they said they don’t cover depreciation, which is BS. I looked at Arizona law and if it wasn’t your fault (which wasn’t in my case) you should be reimbursed for the vehicle. How should I proceed? Should I hire a lawyer after the repair to get the appraisal going and then file a claim and maybe go to court?!

DV claims vary by state. In most states with DV, you will actually open up an entire new claim for the DV. The posts on here that state "they will pretend to not know what you're talking about" are laughable (and could be from states that do not allow DV claims). Note you must be the owner of the vehicle to move forward with a DV claim, it cannot be a lease.

It may also be better to work with your own carrier. The at fault driver may have low limits that will greatly hold the process up. Your own carrier will also be much more likely to work with you on things like towing to a Porsche Certified repair center. You will be out your deductible, but your insurance company will pursue the at fault party and their insurance to get that back for you.

If you have other questions, I'll try to help.

Originally Posted by jjw285

Contact your dealer and ask how they value a trade with no claims, vs a minor/moderate level claim. Ask them to write you a trade in offer with a clear Carfax vs a rear end accident. They'll have some level of experience with it. That can be used when you pursue your DV claim. Its more of an art than a science.

Originally Posted by nyca

Body shop and glass shop costs are so insanely high now, that insurers are quick to total cars. This is why auto insurance costs are so high now, and manufacturers are making cars that are to expensive too fix and insure ($2500 windshield replacements since recalibrating the sensors and cameras alone costs $750). Its one reason why young people don't want to drive anymore (or can't afford to). Pretty soon, no one making under $100K a year will be able to afford a new car anymore.

Originally Posted by Biohazard

That definitely is the sucky part about these cars. We can't just take the payoff check from being totaled and have a new car to drive before the time is up on the rental they give you like that Toyota could. We play the waiting game for an allocation or try and find a pre-owned if possible.

Originally Posted by Sa3eedi

Thank you. Your comment was super helpful. The roadside towing company “decided” on their own that there was no need to take it to Phoenix for a certified Porsche Collision center and decided to deliver it here in Tucson.

I used the link you provided and verified that Penske is an authorized collision center and this was the one initially assigned to me by Porsche until the towing company decided something else. I contacted Porsche again and they despatched a different company to take the car where it needs to go, Penske, which is the closest certified center to me. The car is in it’s way now.

I’m sure this is not the only battle I will have to go through to get this sorted out. It’s such a shame especially that it is COMPLETELY NOT MY FAULT. I should be made whole with original parts from Porsche to restore the vehicle to it’s original condition. The insurance compay should not have to dictate how I het my car repaired. It’s a new car and needs new parts.

I spoke to Penske today and they had issues dealing with state farm before. I want OEM parts and should get them. I’m expecting a fight down the line.

I spoke to the PPF shop. Once I figure out the damage and get an agreement on the repairs and the car actually gets repaired I will take it to the PPF shop.

Next I will need to figure out how to get the DV sorted out. The car has only 11000 miles on it. I should get 20-30k for that. I’m expecting it not to be easy and might need to get legal counsel as I won’t have the time to do this and lack the knowledge to proceed.

Thank you again for the info. If you have more please let me know

Originally Posted by Sa3eedi

Both of us are insured by state farm. We both have comprehensive coverage actually. So state farm will have to pay either way. I checked and here in Arizona I am intitled to a DV since I was not at fault. It’s a good point about the seperate claim. I guess I will have to figure this out once the car gets inspected. I own the car but it’s financed. Now I’m wishing I leased but can’t go back now.

Regarding the OEM parts being used, I guess we’ll have to figure that out as well.

Originally Posted by Diablo Dude

Be very careful when it comes to State Farm (and Allstate).

A buddy of mine that manages a very large BMW Collision Center swears that they are (two of) the worst when it comes to using OEM parts.
They will do everything they can to use "like" parts if they are available.

Originally Posted by Shogunade

Are they making enough like parts that are readily available for the 992?