hdpt73

Hi, I was rear ended today on the way home from work. My deductible is 1000.00. Do I pay the deductible even though I'm not at fault?

2nd question, from the looks of the damage (doesn't look bad at all), the bumperettes are the only things damaged. Should I settle this out of insurance so it doesn't show on my car's record?

falcon7x7

#2 is the way to go! IMHO

buckwheat987

Your insurance compnay should work with the other drivers insurance company to recover your deductable if it wasn't your fault.

Is there a police report?

ivangene

looks like he screwed you

HIS insurance pays - NOT yours, so YOU have NO deductable - --- he does

Get HIS insurance co to accept liabillity is step one - THEN take it to a shop that works on high end cars and have THEM look at it - you are not an expert - they are ........

DO NOT REPORT to YOUR insurance comapany - file a claim thru HIS

Giacomo

The standard provisions of most insurance contracts require you to report any incident which chould result in a claim within a prescribed period of times. If there was a police report even if you don't report it is likely that your insurer will find out sooner or later. If the accident was not your fault and the other driver's insurer accepts blame you should not be out of pocket nor should it affect your rating. This may vary from state to state and the applicable no-fault provision in effect. Perhaps a rennlister lawyer/adjuster in your state could chime in. If you don't want to report it you could just have the other driver pay you some compensation directly and pretend nothing happended. Then just unscrew the bumperettes and have someone repair and paint to match. I assume those bumperettes are the same as in early 996/986 which just screw on and off.

Phil G.

Absolutely correct. Since you were rear-ended, there's no dispute who's at fault. Don't even get your insurance company involved. His should pay for repairs. Get it done at a high end shop - although it appears to just be the bumperette, you never know and the car needs to be looked at closely for any underlying damage.

jyoteen

get estimate from bodyshop, contact at fault party, get check out of them w/o filing claim, call Bumperplugs and order a set of prepainted bumperettes. Swap out bumperettes, have beer, done.

maybe you'll have $$$ left over for a nice car detail

hdpt73

I don't know how the bumperettes come off as it's post 02. Problem is to get them painted that they are the carrera gt silver. The impact didn't seem very hard and I had the car in neutral. I don't see any leakage. Would a collision like this damage anything mechanically? I will call the other driver's insurance if she doesn't want to pay for new bumperettes and a porsche inspection. Thanks in advance for your advice fellas

hdpt73

I will take this route if she decides to pay out of pocket + porsche inspection. thanks.

smackboy1

What, rear ended by a Honda Civic? Was it Tim?

gota911

OUCH! I'll have you know that I drive an ACCORD, not a Civic!

r_liebo

This is correct. In a "no fault" state, your insurance will play a role.
Your state's law is the key, and that might impact your decision to settle indepedently.
In other states, their insurer should pick up the whole bill with no contribution from your carrier, per the other posts here.

ahcjar103

maybe you can get his street glow and triple-tier wing out of the deal too?

perryinva

Just an FYI, new bumperettes, if you need both, painted and installed will run about $500 - $600. The parts alone are $280 the pair, list.

medtech

Do a search for a recent thread on this exact topic.

I just went thru this 1 year ago.
All I had was a scratch on the bumperette.
When the car was torn down it was clear the frame had been damaged.
$9 GRAND worth of damage.

I too was tempted to blow off the whole deal originally b/c I didn't see anything wrong (I missed the huge gap between the passenger door and rear quarter panel).

DO NOT underestimate the potential damage from getting rear-ended in your rear-engine P-car. There's a lot of kinetic potential there.

Call your insurance AND her insurance. Who you go thru is up to you, but I would suggest going thru your insurance, since you have a contract with them.
To her insurance you are just a third party and they have no obligation to you.

Good luck.