cracked chassis + drivers door and boot lid wouldn't close

[anzai]

hi guys just wondering if a 2000 ek1 hatch has the above damage, will it be deemed a write off?

cheers

[nickk]

when you say a cracked chassis, are you referring to the rail?
what part of the car was hit? pics?
How much is it insured for? Chances are it's a write off if the rails bent and door/boot isnt closing.

[anzai]

took the photos from the drivers seat, facing backwards

http://img33.imageshack.us/img33/5474/25017919.jpg

http://img207.imageshack.us/img207/1830/58923075.jpg

http://img42.imageshack.us/img42/8335/79958093.jpg

[grifty]

thats not a crack its where 2 pieces of sheet metal are joined together by spot welding.

[nickk]

If that's what your referring to in terms of the chassis being cracked, it's not.
How did it happen and has it got anything to do with the hatch not closing?
I'm confused.

[anzai]

car got hit while parked in front of my house

as a result, the hatch wont close properly and the drivers door wont close at all

my conclusion is the chassis is now twisted from the impact, hence was wondering if there's anything i could say to the assessor to convince them to write it off..

http://img444.imageshack.us/img444/286/img2691l.jpg

[mugen_ctr]

farkkk... thats said to see man, was beautiful car.....quite alot of damage

Dont think that it wouldev twisted the chassis , but than again, theres no real way of knowing till u start stripping it apart

[grifty]

write off for sure, looks like plenty of suspension damage aswell.

[mocchi]

wtf. thats awful gor, no witness?
pics of rear subframe for more assessment.

[GSi_PSi]

thats write off wether the rail is bent or not, will not be ecomonical for repairs thru insurance

[anzai]

write off for sure, looks like plenty of suspension damage aswell.

well i know for a fact that the trailing arm is bent, hopefully i can still salvage the coils


wtf. thats awful gor, no witness?
pics of rear subframe for more assessment.

nah i was just about to leave for work and there were 3 people standing around the car with a lady crying on the ground. i was just like fml lol, but i got all her insurance details + 2 witnesses + a voice recording. so all good i think

ill get some pics of the subframe 2mr


thats write off wether the rail is bent or not, will not be ecomonical for repairs thru insurance

i certainly hope so mate, its just that if they deem it repairable, am i able to argue the fact that the car wont ever be the same anymore? considering ive only got third party so it has to go through her insurance (racv)

[Bludger]

looks like the cars has rear wheel steering.

[mugen_ctr]

extreme 4ws lol... igor hopefully they pay you atleast more than 6k, atm the market value isnt as high as most would expect on a civic, regardless of age an condition, they go off by redbook or so

how badly buckled the rear rim is?

[anzai]

extreme 4ws lol... igor hopefully they pay you atleast more than 6k, atm the market value isnt as high as most would expect on a civic, regardless of age an condition, they go off by redbook or so

how badly buckled the rear rim is?

i hope so man, but i can argue that my car has only around 80000km on the clock so i could of sold it for higher than average..

http://img524.imageshack.us/img524/9661/img2693a.jpg

pretty bad.. :(

[mocchi]

subframe? i rkn lcas are busted real good.

[Raztaz]

any pics of other car? What did they do, your street is a straight line

and you had such low km's :(

[anzai]

subframe? i rkn lcas are busted real good.

yer the lca is bent, i bet the trailing arm is bent too

u cant see much from the photos but i think the subframe isnt straight anymore

coilovers still good but :D

http://img257.imageshack.us/img257/7690/img2753u.jpg

http://img507.imageshack.us/img507/361/img2754l.jpg

http://img196.imageshack.us/img196/4821/img2756d.jpg

[mocchi]

doesnt look too bad down there, but still i think its a write off.
quickly take parts out! lol

[anzai]

yer in regards to that, would i possibly be able to take my coils before they take the car away? cus i cant take it now because i havnt got it assessed yet.

ive taken all the oem parts tho except the window visors which is a bitch to take out

[mugen_ctr]

i dont know if its true, but if the inspector finds any thing thats not oem, they can void the claim, an not pay you out, thats worse case scenario

Subframe definite looks outta place, gonna need a full chassis straighten which will cost heaps, around the 4 figure mark

[anzai]

i dont have full comp, so its their insurance company who will pay me out. it doesnt matter what i have on the car, they have done damage and they need to pay for it.

i think?

[markismaximus]

i dont have full comp, so its their insurance company who will pay me out. it doesnt matter what i have on the car, they have done damage and they need to pay for it.



thats not how insurance works. you claim through YOUR insurance company, even if its only 3rd party. Then your insurance company recoups costs from their insurance company. as your insurance company is on "your side" you're less likely to be screwed

[bennjamin]

i dont have full comp, so its their insurance company who will pay me out. it doesnt matter what i have on the car, they have done damage and they need to pay for it.

i think?


Not true. Their company or repairer will take your car as is - assess it as it is legally allowed. So all aftermarket parts will not be covered - because they are not legally engineered for the car. You will get a cheque for the same car , dead stock probably $4-5k max. You MAY get the option to purchase back the wreck.

[1996_EK_Civic]

that would have to be a write off, sorry to say. this week someone reversed into my civic, i have a dent about 15cm and got quoted for 2 grand to fix it... thats gonna be a hell of a lot more than 2 grand to fix...

[anzai]

thats not how insurance works. you claim through YOUR insurance company, even if its only 3rd party. Then your insurance company recoups costs from their insurance company. as your insurance company is on "your side" you're less likely to be screwed

so would i still need to contact my insurance company in regards to the matter? im under the understanding that IF i had full comp then i would need to speak to my insurance company and they will chase it up with the other party's insurer. but i only have third party so my insurer is only concerned about if i was to hit someone else's car. could someone else clarify this?


Not true. Their company or repairer will take your car as is - assess it as it is legally allowed. So all aftermarket parts will not be covered - because they are not legally engineered for the car. You will get a cheque for the same car , dead stock probably $4-5k max. You MAY get the option to purchase back the wreck.

well ive only got my coils which is not technically legal, so would i be better off taking it out first before getting them to assess the car?

in regards to the value of the car, can't i argue that i've had the car resprayed recently with a fresh pearl paint, and the fact that only less than 80000kms is on the clock, my car would be worth more than the average market value?

remember im the victim here, even without the mods, if i was to sell the car i could probably get around the 7k mark considering the condition of the car.

[markismaximus]

so would i still need to contact my insurance company in regards to the matter? im under the understanding that IF i had full comp then i would need to speak to my insurance company and they will chase it up with the other party's insurer. but i only have third party so my insurer is only concerned about if i was to hit someone else's car. could someone else clarify this?

yes you should call your insurer. they may just say its too late already if you've gone and organised everything in regards to getting your car assessed etc by the other insurance company

[anzai]

yes you should call your insurer. they may just say its too late already if you've gone and organised everything in regards to getting your car assessed etc by the other insurance company

well the lady's insurer only told me to get a quote from their authorised repairer, so i can still speak to my insurer, but i still believe you're talking about full comp, third party wont do shit in regards to ur car unless in my case its fire or theft related

[Super-DA9]

Shit dude! thats so bad!

fingers crossed you get a decent sum of money to buy another one with.

Buddyclubs, I like your style ;) I got the same ones in my integra, and about them being illegal, before i got mine i contacted canberra connect, who i'm pretty sure have a guy from the RTA running their automotive/road department. I asked if coilovers were illegal, and they said no they're fine as long as they aren't too low.

thats what it's like here, i dunno if it's the same in melbourne though :(

my suggestion would be to take out all mods and make it stock as a rock (maybe apart from rims) before they sus it out.

good luck man!

[markismaximus]

well the lady's insurer only told me to get a quote from their authorised repairer, so i can still speak to my insurer, but i still believe you're talking about full comp, third party wont do shit in regards to ur car unless in my case its fire or theft related

Doesn't matter if you don't have full comprehensive you're still able to go through your own insurance. Call your insurance and you'll see what I'm talking about

[dougie_504]

Yeah you go through your insurance and they get the money from the woman's insurer.

Personally I would remove the aftermarket parts before the wreck is taken away from you if you can :(

[bennjamin]

well ive only got my coils which is not technically legal, so would i be better off taking it out first before getting them to assess the car?

in regards to the value of the car, can't i argue that i've had the car resprayed recently with a fresh pearl paint, and the fact that only less than 80000kms is on the clock, my car would be worth more than the average market value?

remember im the victim here, even without the mods, if i was to sell the car i could probably get around the 7k mark considering the condition of the car.

Just to help out - those wheels are illegal , coilovers / ride height
Illegal etc etc. Also a paintjob does not add value to a car.
80,000ks means nothing as the car is 10-14 years old. Sorry you simply won't benefit from this unless the car is insured for agreed value - which hopefully is more than Market value.
Please don't try to take parts off now - surely the tow truck driver has noted it's condition and taken photos etc? Just wait to see if your or the other insurance company will offer the car to buy back
Best of luck

[nickk]

Just to help out - those wheels are illegal , coilovers / ride height
Illegal etc etc. Also a paintjob does not add value to a car.
80,000ks means nothing as the car is 10-14 years old. Sorry you simply won't benefit from this unless the car is insured for agreed value - which hopefully is more than Market value.
Please don't try to take parts off now - surely the tow truck driver has noted it's condition and taken photos etc? Just wait to see if your or the other insurance company will offer the car to buy back
Best of luck

My car was damaged, got it assessed, towed it home, stripped everything, then towed to the auction yard and I was paid out.
Value was increased above market value for: Recaro driver seat, sound system, wheels. Did not mention any suspension or mechanical mods.

[string]

3rd photo says it all. That car is rooted. Posters #4 and #5 need to get their eyes checked.

Chassis rails? It's a Honda; it's all just folded sheet metal, and the 3rd pic gives a great shot of one of the failure modes.

[bennjamin]

My car was damaged, got it assessed, towed it home, stripped everything, then towed to the auction yard and I was paid out.
Value was increased above market value for: Recaro driver seat, sound system, wheels. Did not mention any suspension or mechanical mods.

Well it's best but that is illegal I'm sure and if the insurance found out your payout and insurance would be voided. So while it happens it's best not to suggest it on a public forum !




Ps I had a similar situation 4 years ago - standard eg5 si. Written off from behind , got it towed assessed then I got a cheque for $8k and got the car back. Sold the car for $2k as a repairable write off. Proit probably 3 or 4k. You gotta agree insurance companies are alittle lazy sometimes