A Truck Hit My Car :( will it be written off?

hey guys sad day, is sad :(

yesterday afternoon a semi trailer truck didn't see that i had merged in front of him, and as he crept closer to the traffic lights he was pushing me into the car in front.

The damaged really isn't all that bad but i'm still terrified. but it is a genuine JDM integra Type R 96 spec.

what i know will need to be replaced/repaired rear bar, rear garnish, rear drivers side quater is slightly dented/creased. front bar, front grill maybe headlight not cracked or anything possible tab damage.

from what ive found on redbook, Aus delivered type R's are only worth 10k WTF? what would that make my market value worth?
ill post pictures up later

http://img542.imageshack.us/img542/6325/img1791u.jpg

http://img26.imageshack.us/img26/4364/img1792n.jpg

http://img28.imageshack.us/img28/9129/img1793cr.jpg

http://img252.imageshack.us/img252/1330/img1794y.jpg

http://img7.imageshack.us/img7/9407/img1783ag.jpg

http://img835.imageshack.us/img835/984/img1784ws.jpg

http://img827.imageshack.us/img827/7712/img1785qc.jpg

http://img10.imageshack.us/img10/6600/img1787q.jpg

http://img716.imageshack.us/img716/5686/img1788ua.jpg

http://img267.imageshack.us/img267/2600/img1786hl.jpg

Quote:

---

Originally Posted by Alexplicit

hey guys sad day, is sad :(

yesterday afternoon a semi trailer truck didn't see that i had merged in front of him, and as he crept closer to the traffic lights he was pushing me into the car in front.

The damaged really isn't all that bad but i'm still terrified. but it is a genuine JDM integra Type R 96 spec.

what i know will need to be replaced/repaired rear bar, rear garnish, rear drivers side quater is slightly dented/creased. front bar, front grill maybe headlight not cracked or anything possible tab damage.

from what ive found on redbook, Aus delivered type R's are only worth 10k WTF? what would that make my market value worth?
ill post pictures up later

---

Your itr is import and damage is quite bad. In saying that the trucks insurance should ask you roughly how much you believe your car to be worth and then they base it on that. Good luck

and what should i say its worth? should i add the face that is extencively modified?

it has buddy club coilovers, buddy club camber arms, toda cam gears, JACKSON RACING SUPERCHARGER, hondata, toda flywheel, 440cc injectors, 2.5'' mandrel, toda headers, around 5k worth of audio, etc. does any of this matter? what should i say the car is worth?

What is your car insured for? If all that gear is listed on your insurance then your agreed value is surely something you have decided on - if your insurance is at market value then you can kiss all that added value goodbye.

Judging by the daaged you have described i don't think it will be written off, but again it depends on what the car is insured for - market or agreed.

Write off in VIC only needs to be damage to the value of about 40% of the car.

What's your agreed value?

my car isnt comprehensively insured :( it simply is too expencive. for a 21 y/o driver, i know i should of had it insured but unfortunately thats how it is.

OK, i'm gonna do a told you so/son i am disappoint thing here....

Comprehensive insurance too expensive? Yet you drive a highly modified imported car? This is madness dude.

Its gonna be a hell of a lot more expensive to buy a new car or buy this one back if they write it off...

i kno :( the thing with modifying this car is that you can do part by part and take as long as you like to modify such things, with insurance you pay the set amount or else your insurance is null and void, ive been playing with this car for 3 years now.

at the end of the day, yes your right.

Quote:

---

Originally Posted by senna

OK, i'm gonna do a told you so/son i am disappoint thing here....

Comprehensive insurance too expensive? Yet you drive a highly modified imported car? This is madness dude.

Its gonna be a hell of a lot more expensive to buy a new car or buy this one back if they write it off...

---

Would you pay $3500 per year on full comp insurance on a car worth 10k ? Where as 3rd party fire and theft is $440

But as u see he was in an accident, it wasnt stolen or set on fire.

Also wasn't his fault was it

Quote:

---

Originally Posted by dougie_504

Write off in VIC only needs to be damage to the value of about 40% of the car.

What's your agreed value?

---

Lol wtf!? So wrong info. It's 70-80% I'm in the trade...

please no domestics in the thread :P

still wondering what my car is worth ?

and how do i go about pressing that they fix my car, unfortunately im an easy person to push over, :( so i just need to know how to get the most out of whats happened, ultimately i would like the car fixed.

Quote:

---

Originally Posted by Alexplicit

please no domestics in the thread :P

still wondering what my car is worth ?

and how do i go about pressing that they fix my car, unfortunately im an easy person to push over, :( so i just need to know how to get the most out of whats happened, ultimately i would like the car fixed.

---

Have you spoken to your insurance company? You said you have 3rd party, yes? Should be quite straightforward. Tell them you want it repaired.

Quote:

---

Originally Posted by chauster

Lol wtf!? So wrong info. It's 70-80% I'm in the trade...

---

I doubt an insurance company would pay 80% of the value of a car in repairs rather than write it off, however if you're in the trade then I will take your word for it. Regardless, this is what my dad's insurance company told him when he gold hail damage - that the damage needed to be less than 40% of the insured value of the car otherwise they would write it off. Perhaps due to large amount of hail damage at the time?

Yep they cbf with all the claims. There wouldn't have been enough time to do them all if not for a low write off.

It's 70-80% a few of my friends became assessors yeah and they tell me the same.

bad luck, i know the feel.

Quote:

---

Originally Posted by dc2r-0636

Would you pay $3500 per year on full comp insurance on a car worth 10k ? Where as 3rd party fire and theft is $440

---

If i had a car with that many mods, yes.

Or if i didn't, i would want to be prepared to say goodbye to the car...

You can't say "Oh i think its too much to insure my highly modified car that has comparitively zero market value" and then be worried about it or wonder why people think its silly.

The owner chooses to modifiy (or buy the car) to a high state. the owner chooses to accept that he or she will never get that money back.

As the general market sees it: Stock car is worth 10K - Highly modified car is worth......10K.


Sorry OP, i didn't mean to get so off track here. I don't think the car will be written off, just let the two insurance companies sort it out. You aren't at fault, express to them that it was no fault of your own that the vehicle now needs repairs, you didn't choose to have this done. You expect it to be repaired.

thanks heaps senna, means heaps :)

my other worry is, i have been told that they wont repair the front because i may have been to close to the car infront, however this is not the case, he rammed me at LEAST 2 - 3 metres.

thanks everyone everything is much appreciated.

supercharged on ur Ps


i hope u got exemption to drive that


else insurance might be void

worse comes to worse, part out.

Quote:

---

Originally Posted by lilthug

supercharged on ur Ps


i hope u got exemption to drive that


else insurance might be void

---

He's not at fault.
His insurance doesn't do anything in a third party claim.
Your thinking of full comp.
If your driving a car that your not be, someone hits you, yet your not at fault, his insurance still must pay for the damages.
Reverse the other way, if your at fault, then yes, your claim is void.

The truck hit him - He's not at fault (Like in most situations when a car is rear-ended)
He's hit the car in front - Usually the driver who hits the other up the ass is at fault but in this scenario is different as the truck has possibly pushed him into the other car causing the damages, so i believe the truck is at fault for 2 claims.

OP - I don't think your car is written off, but it will be close.

You are going to have to chase the truck's insurance company for the claim. Go get 3 quotes for repairs and send them to the truck's insurance company. They don't need to know the car's value. They need to know how much to repair. They can't write your car off since your car is not being insured by the truck's insurance company. Make sure your have the case number from the police for the accident.

complain your arse off so taht it doesn't get written off.. or if it is written off, offer to buy the wreck back for a lot less?

Quote:

---

Originally Posted by WATAJK

He's not at fault.
His insurance doesn't do anything in a third party claim.
Your thinking of full comp.
If your driving a car that your not be, someone hits you, yet your not at fault, his insurance still must pay for the damages.
Reverse the other way, if your at fault, then yes, your claim is void.

The truck hit him - He's not at fault (Like in most situations when a car is rear-ended)
He's hit the car in front - Usually the driver who hits the other up the ass is at fault but in this scenario is different as the truck has possibly pushed him into the other car causing the damages, so i believe the truck is at fault for 2 claims.

OP - I don't think your car is written off, but it will be close.

---

i was under the impression
even tho his not at fault
he would have to pay for everything out of pocket because his driving a car thats his not allowed to

soo...why did you merge inbetween a semi trailer and another car. dont you know how long it takes a truck to stop.

I'm not an idiot mate, I was already at the traffic lights. He pulled up behind me, then began to hit me. He could not see me, his words were I thought I only saw one car stopped at the lights.

Quote:

---

Originally Posted by Killa From Manila

soo...why did you merge inbetween a semi trailer and another car. dont you know how long it takes a truck to stop.

---

not the time and place for this

this car will not be written off

Quote:

---

Originally Posted by Killa From Manila

soo...why did you merge inbetween a semi trailer and another car. dont you know how long it takes a truck to stop.

---

Very true... Especially if you then brake abruptly due to a red light.

OP, if you currently have your car, part it out now. Take all your parts off especially your super charger as this is a bit of a gray area ragarding your claim. No damage to the kit whole have been done during this accident so you can make some money back anyway.

For everyone who is bagging out the OP regarding not getting full insurance, pull your head out of your arse. First of all this accident was technically not his fault and therefore besides convenience reasons, comprehensive insurance is irrelevant. Secondly, both comprehensive and third party insurance would be void if the OP is not allowed to drive a supercharged or turbocharged car (OP can you confirm?).

Regardless, most people cannot comprehend spending upwards of $3000-4000 a year to insure a car worth less than $10,000-$12,000. In only 2 years the OP has almost paid the value of his car for 'insurance'. In this case, almost all but the worse accidents can be repaired using the $4000 premium the OP would have to pay for a years cover. Does this make sense to anyone?

OP, DW when I was the same age as you and was quoted $3,400 to insure a $4000 Integra VTi-R (market value)............ But some idiots out there think we should pay this amount. Worse case scenario, if I crash into someone 3rd party ($700) pays for their damage, and if my car is a total wreck I can go buy another car from the money I would have spent on full insurance.

Also, if our premiums are $4000, please don't talk about adding 'agreed value' on top of this... Then it would just get ridiculous... Everyone assesses the value of insurance vs their own position and while some people make very stupid decisions ($50,000-80,000 car, no insurance), in cases where the car has little value and full insurance is extremely high, it doesn't make sense. Especially when you're talking about your own money and not your mummy and daddy's.

Quote:

---

Originally Posted by androo

Very true... Especially if you then brake abruptly due to a red light.

OP, if you currently have your car, part it out now. Take all your parts off especially your super charger as this is a bit of a gray area ragarding your claim. No damage to the kit whole have been done during this accident so you can make some money back anyway.

For everyone who is bagging out the OP regarding not getting full insurance, pull your head out of your arse. First of all this accident was technically not his fault and therefore besides convenience reasons, comprehensive insurance is irrelevant. Secondly, both comprehensive and third party insurance would be void if the OP is not allowed to drive a supercharged or turbocharged car (OP can you confirm?).

Regardless, most people cannot comprehend spending upwards of $3000-4000 a year to insure a car worth less than $10,000-$12,000. In only 2 years the OP has almost paid the value of his car for 'insurance'. In this case, almost all but the worse accidents can be repaired using the $4000 premium the OP would have to pay for a years cover. Does this make sense to anyone?

OP, DW when I was the same age as you and was quoted $3,400 to insure a $4000 Integra VTi-R (market value)............ But some idiots out there think we should pay this amount. Worse case scenario, if I crash into someone 3rd party ($700) pays for their damage, and if my car is a total wreck I can go buy another car from the money I would have spent on full insurance.

Also, if our premiums are $4000, please don't talk about adding 'agreed value' on top of this... Then it would just get ridiculous... Everyone assesses the value of insurance vs their own position and while some people make very stupid decisions ($50,000-80,000 car, no insurance), in cases where the car has little value and full insurance is extremely high, it doesn't make sense. Especially when you're talking about your own money and not your mummy and daddy's.

---

need to talk to you.

@bludger ^^ ?? LOL

I unfortunately just moved into. Newcastle, and all my factory items are in dubbo :( so its quite a drive for me to get parts then uninstall then reinstall factory intake etc... And working a new full time job would be hard to juggle all these things around. I'm thinking maybe get the quotes and if they decide to write it off then worry about it. I'll probably install the b20 and take my entire setup out. Could I do this?

Quote:

---

Originally Posted by Alexplicit

@bludger ^^ ?? LOL

I unfortunately just moved into. Newcastle, and all my factory items are in dubbo :( so its quite a drive for me to get parts then uninstall then reinstall factory intake etc... And working a new full time job would be hard to juggle all these things around. I'm thinking maybe get the quotes and if they decide to write it off then worry about it. I'll probably install the b20 and take my entire setup out. Could I do this?

---

the issue Androo's talking about is you not being covered @ all because you're not entitled to drive your car with the supposed modifications you have.

Quote:

---

Originally Posted by Killa From Manila

soo...why did you merge inbetween a semi trailer and another car. dont you know how long it takes a truck to stop.

---

This.
Not having a go at you OP but i drive trucks for work and i can't stand it when people go infront of me to gain one spot infront just to see how quick they can move up in line...
What you must be aware of... A semi isn't going to stop for you always.

By the way, i just remembered, you better hope he didn't film you, most truckies now have camera's recording constantly whilst there driving to show stupid antics of other drivers and to show how they aren't at fault and that it's generally a driver who has cut them off.
So if you are telling the truth which im assuming you are, you should be fine but if your pulling strings here, you'll get torn a massive new a-hole if he has caught what you've done on camera.

Hoping the best for you mate.

Quote:

---

Originally Posted by Bludger

the issue Androo's talking about is you not being covered @ all because you're not entitled to drive your car with the supposed modifications you have.

---

But if he's not at fault then a claim should be processed regardless because insurance companies (when third party and not at fault) will not look for things to void his insurance as he wasn't the one who caused the accident (assuming).
They will be assessing to see at first if they can void the truckies insurance if he has an unroadworthy truck etc.

I do agree on the matter that if he has heavily modified his car, regardless, full comprehensive is a must.
Each to there own, i originally didn't have full comprehensive in my first year of ownership of my DC5 but now have had it for 2 years.
You do feel alot more comfortable driving.

Feel free to say other wise.

Quote:

---

Originally Posted by WATAJK

But if he's not at fault then a claim should be processed regardless because insurance companies (when third party and not at fault) will not look for things to void his insurance as he wasn't the one who caused the accident (assuming).

---

mate.

WATAJK


if he's not following the law by driving a vehicle he's not meant to be, it's his fault regardless.

watajk

Quote:

---

Originally Posted by Bludger

mate.

WATAJK


if he's not following the law by driving a vehicle he's not meant to be, it's his fault regardless.

watajk

---

Your an absolute turd considering i only quoted and replied kindly.
He's driving a vehicle he's not meant to be mate, yes, then again he never caused the accident.
Details were exchanged, he won't have any problems with his own claim as he isn't fault.
If he caused the accident then his insurance would be void because he's driving a vehicle he shouldn't be.

THE only way they would have voided him (regardless if at fault or not) was if the police were called and he was issued a penalty notice that said he was driving a car not within his limits.
If the police were called and no notice was given then im sure this will be resolved with no problems towards OP provided he isn't at fault.

Don't like my answer to bad.
You mad bro?

If they can spot the kit then so be it. Factory intake car looks stock in engine bay

you must be joking bro.

He would make a fool of himself if he were to show a video lol... I was parked at lights then he crushed me .

Explain.

you interrupted in a friendly conversation between me and watajk.

Quote:

---

Originally Posted by Alexplicit

Explain.

---

Only asked that's all.
Question that only can remain that he could argue which would be hard, when your overtook him, if you left him enough room to stop which in theory it's the same concept of merging between cars, you should always allow enough stopping room.
Truck's require alot more.
That's all.

Quote:

---

Originally Posted by Bludger

you interrupted in a friendly conversation between me and watajk.

---

Im not going to troll your ass anymore you tool.
Your a waste of time.

Quote:

---

Originally Posted by WATAJK

Im not going to troll your ass anymore you tool.
Your a waste of time.

---

thank you, I class you in the same boat as EG52NV

Oh so that wasn't to me?? Lol sorry

off topic -i saw this driving through charlestown the other night, you were chopping and changing through traffic and i thought to myself only a matter of time before you had an accident.



but i feel ya pain. sucks ass- hope it workd out for you. if you get it back on the street put the oem wheels and bonnet back on asap! not many jdm front tegs in newcastle let alone genuine imports!!!

Quote:

---

Originally Posted by lilthug

i was under the impression
even tho his not at fault
he would have to pay for everything out of pocket because his driving a car thats his not allowed to

---

No, that's not true

Quote:

---

Originally Posted by aaronng

No, that's not true

---

Yeah. He's not covered at all by his insurance company if his car is modified and they're unaware (and the accident was his fault).


Stay on topic please dudes, no personal banter or we'll just end up closing the thread for the timebeing.


OP just call your insurance company.

1) Get quotes from 3 repairers, show it to the guy and get an insurance claim number off him.

2) Give the chosen repairer the claim number so they can file the repair job with the insurance company.

3) Assessor will come out a week or two later to inspect your car and approve of the repairs.

4) Once its approved you just leave the car at the repairers for a few weeks.

Thats how it worked for me anyway.

one more question, when I was hit, I wasnt in Newcastle, I was in umina for my sisters wedding, can I take it anywhere I like to get inspected?

And a big thanks to everyone for your time to help me out.

@levi R, tell me more about this cause I would love to question the driver of my car the night it was taken to Charlestown. Not impressed. Pm me please

So you Weren't the driver? =O

Btw your car will not be written off since u dont have full comp insurance.

Explain grifty.

Did the Semi have time to pull up ?? their braking distance is a lot greater ? not trying to play the blame game cause hes run into you.

I would suggest you engage a cheap solicitor if you want a good outcome. Truck insurance is effing expensive and minor accidents cost em dearly in much higher premiums. For your claim to be taken seriously by his insurance you need your corrspondance on a solictors letter head. Good luck.

also did you go to a police station and do a traffic accident report ?

Lol I was already pulled up at the lights. He was way behind he said he just did not realize I was at the lights. And as he crept up to the carthat was infringing of me , which he could see he just crushed me. It was not a collision crash, he just kept pushing me cause he didn't know I was there :(

God damn auto correct * in front of me **

every ****'s stressing out, end of the day you will not be paid out, this vehicle will be repaired,
if they find out you driving supercharger and you're not suppose to, warranty voided
if supercharger not engineered and it goes to assesment centre you're ****ed,
same goes with all your parts,

I like these straight forward answers. :D I'm not worried about te supercharger, for those who have seen my setup will know it's not visible from in front of, or side on view you would literally have to lay on top of engine and look down the back of the engine.

Reguarding other modifications, should I be worried about the coilovers? Other then that there is nothing that I can think of?

I paid $1300 with a lowered agreed value of $13,750 (was $14,5k previous year)

There is cheapish insurance.. and the younger/less experienced you are the more expensive it is, this is why Just Cars is popular for younger drivers they keep their prices reasonable.

When And if car is fixed I will look deeper into getting insurance. Just car will insure me you think? I'm 21 and my car is an import?

and also what sort of car is that?

Quote:

---

Originally Posted by Alexplicit

When And if car is fixed I will look deeper into getting insurance. Just car will insure me you think? I'm 21 and my car is an import?

---

Yea they will definitely insure you.. I've got a '00 dc2r.

Quote:

---

Originally Posted by Alexplicit

When And if car is fixed I will look deeper into getting insurance. Just car will insure me you think? I'm 21 and my car is an import?

---

Im 20 and my car is an import and im insured with them.

why would you not be worried about supercharger but you are worried about coilovers?

You can NOT see it, I'll put up a picture

Interesting read to say lol...

my 2 cents, IMO an experience, if the truckie has admitted at fault, as u stated he didnt see you and only one car than the fault is withing the truckie, there for regardless of whom is driving and the status of the car, modified or not, still has to be repaired or compensated one way or another... I know because some bitch hit my car last year, (im with AAMI btw), yet they still repaired my car, even though the policy states the vehicles is unmodified in any way, an mine is far from being standard LOL

SO long as ur not at fault, i can see this swinging in ur favor, so long as the truckie sticks to his words and not twists it

I dont think your mods really matter because your on third party. Your insurance company isnt even involved.

Its the truck drivers policy that covers the property he damaged. I doubt his insurance company will refuse repairing your car unless the supercharger had a major role in the accident, which it didnt.

Even if your car was dead stock, the accident still would have happened.

On the other hand... if you didnt have a licence, it would be a different story because you wouldnt even be on the road at all. Now this is a good reason for them not to pay out.

:)

yay more positive feedback :)

i had to play with the front end today, cause i couldnt see at night :( and the front bar was falling off

@ alexplicit. brother I feel your pain. a few weeks back i rear ended a commonwhore. in my DA9. thank **** i wasn't in my DC2(jdm front end). i know its the SHIT! to cruise 'round in a genuine jdm teg. but maybe you should get some prices from a HONDA dealership or spares supplier on the oz spec front end, and fittings. i'm only saying this due to it being a hard front end to find, and most smash repairer's would most likely just slap on oz spec panels anyway, if their honda savvy?

Hey alex
its my understanding under the circumstances that the following will happen:
1- The car in FRONT who you hit will make a claim on you for their damage
2-Your 3 rd party will cover this by then claiming on the truckies insurance company.
3-You will then have to demand damages from the truckie for repairs to your car.As stated earlier, YOU will have to send demand letters, get quotes etc, because you are not comp covered.
4-You may have to pay your excess for the car in front.

Id first call your 3rd party company to confirm the above and what advice they may give you (if any) about how you may get your claim from the truckie.
Let us know how you go :-)

the car i hit took off, he looked at his ea falcon and just said looks fine to me, and took off lol

i would write the car off entirely and build a civic before i put a oz front end on. i still have a jdm front sitting at my house but front bar has crack. reguardless it would be more expencive to weld an entire new front end on then it would be to find just the front bar. *surely*

Quote:

---

Originally Posted by Alexplicit

the car i hit took off, he looked at his ea falcon and just said looks fine to me, and took off lol

i would write the car off entirely and build a civic before i put a oz front end on. i still have a jdm front sitting at my house but front bar has crack. reguardless it would be more expencive to weld an entire new front end on then it would be to find just the front bar. *surely*

---

before jumping to conclusions, ask around to see if the bumper is still repairable, usually its on the spot quote, yes the easiest option is the replace the bar, but its still possible to save the bar but wont be cheap, plastic weld an heating an reshaping it, the rear end of the car, i wouldnt know for sure, few other guys will know for sure :)

thanks man, will take this into concideration! sounds like an easier way then for the m to find me a new front bar.

i wonder if smash repairers could find JDM panels and parts easier then us?

wanna sell your front lip ?????

Quote:

---

Originally Posted by tiksie

wanna sell your front lip ?????

---

LOL

dis guy.

i have a spare... what are you offering for it? pm sent

Quote:

---

Originally Posted by bludger

lol

dis guy.

---

:ddddddd

Quote:

---

Originally Posted by flipfire

1) Get quotes from 3 repairers, show it to the guy and get an insurance claim number off him.

2) Give the chosen repairer the claim number so they can file the repair job with the insurance company.

3) Assessor will come out a week or two later to inspect your car and approve of the repairs.

4) Once its approved you just leave the car at the repairers for a few weeks.

Thats how it worked for me anyway.

---

This is the best thing to do.

Everybody banging on about how cars are written off are in the most part incorrect.

The simple explanation is that if the insured/market value (in your case market value) is less than the cost of repairs and any applicable salvage value of the vehicle then it will not be written off.

As an example:

Market value = $10K
Cost of repairs = $4k
Salvage value = $2K

therefore repair and not write off.

It's a simple economic equation.

Things which affect the car value are things like the amount of kilometres, factory accessories, pre-existing damage and the general condition.

I won't get into the garbage about non disclosures for your insurance and what type of car you should or shouldn't be driving because.. quite frankly I don't want to...

I do this for a living (insurance companies are my clients) and have recently had a similar experience with a taxi driver who rode into the rear of me and i'm in the process of having his insurance company cut me a cheque after I took the car home, detailed the shit out of it and made the assessor come see it at my home in some soft lighting you could say.. lol.

Needless to say, the market value of my mums micra I was driving at the time was greatly increased by the low kilometres and the fact I made sure it was gleaming and looked totally stock when it was assessed.

Go somewhere for a quote who will not bend you over. explain to them you don't want the car written off.

Best of luck.

Zaahir

Your car is so dirty

im sure if you're with aami they;ll see it cause ill pump your ass

wahhhhh??

and as for the car being dirty, i had just driven 300ks..