Glad to see your OK....but think car is toast.

 

Seeing as how I was in exactly the same type of accident to the one you've posted, I think I'm qualified to help you out here. I was rear-ended at 45 mph, ended up with a disc problem and missed over 200 hours of work due to days off, treatment, and picking up a new (to me) vehicle.

1. Get a case number/ID if you haven't already. The insurance company MUST provide this to you since you've claimed against them.

2. Get a police report. Was the other guy ticketed or found at fault for the accident (by the police)? If so, he is clearly at fault and they WILL pay you. Fax that police report to the claims adjuster for the case.

3. Do NOT hire a lawyer just yet. There's no need and they'll just lay claim to 33-40% (yes, it's that high) of your settlement. The lawyer comes later, after you've gotten a settlement for your car. That is straightforward and does not require a lawyer. A lawyer is only potentially needed for the final settlement for medical expenses, lost time, and pain and suffering.

4. Contact your own insurance company and tell them that you're being put off. They will fight for you if need be, including reimbursing you for your car up front and getting the money from the other company. USE THEM - it's why you've paid for insurance all along. If need be, also fax them the police report to prove your story.

5. See a doctor and/or chiropractor IMMEDIATELY. I waited two days and I shouldn't have. Be sure to document (through your doctor) every pain, every twinge, every ache that you have because they'll fight you about it later. Start immediate treatment to reduce your injuries as quickly as possible. Do not stop the treatment until at least three weeks after you feel you are "completely well". You'd be surprised what pops back up.

6. Start looking for a new car. The rear subframe will need replacing, plus rear panels (which have to be welded back on), plus the trunk, plus the roof appears to be twisted so that's going to need to be replaced. The car isn't that new so you should easily push for a "total loss" estimation.

To those that are saying "Get a lawyer", how many have actually tried or used one, or gotten a firm estimate of costs? Usually, when it's all said and done, they take nearly half your settlement from you! It's a rip-off and there's no reason you can't handle the whole situation yourself.

PM me if you want some sources for how to handle this yourself - there are tons of them online, all good.

Bottom line - get your own insurance involved if needed, get your car totalled, start looking for a new one, but above all get yourself checked by a doctor and start immediate treatment! The car is replaceable but your body isn't.

 

I saw that one... thats fraud.


The one on the car insurance companies is they assign a person to your case and they make it like you are their friend. They low ball everything. If you are in disagreement they drag everything out while trying to break you down to accept a ridiculously low repair and settlement. A good lawyer knows the game and will maximize everything and have their insurance cover any medical bills, rentals etc. I'm not talking about some shylock....I'm talking a good one.

 

Crap man, I'm glad you're alright. That's some pretty horrific damage there...I hope you get this problem with State Farm straightened out soon. (BTW, I absolutely HATE those bastiches!)

 

I was thinking the same thing, but anybody with some common sense would realize that a wheel (from any manufacturer) wasn't designed to take an impact like this.

 

Very good reply.

I totally agree with him but I went through lawyer when I was rear ended.

I just didn't have enough time to make all the phone calls and go to doctors.
I mean, i wasn't injured seriously, so I didn't want to make frequent trip to doctors office.
And my lawyer was scheduling everything for me and everything was handled by him except confirming appointment with doctors.

And after 8 month I had good amount of check in my hand, I don't care it was only 50%, because I was continuing my life like nothing happended and didn't have to do a thing for that extra bonus plus everything was reimbured.

Also time that would had been lost for coordinating things would cost more than what it cost for the lawyer for me, because I suck at phone conversations - I rather not deal with it at all.

Anyways, its good to hear you are ok, just keep your doctor's appointment, because if you don't your return check will be delayed and delayed.

Good luck with it.

 

I went to the doctor and looks like I will need extensive therapy to straighten my lower back and swelling in my neck. I guess u can say that is the good news.

The Bad is State Farm is trying to rip me off. The agent called today and said that the car has about 7400 in damage and that he can get it fix in town. I told him I wanted another estimate by a body shop in my area and not some little farm town 2 hours away that probably has never seen a Honda. I told him it's totaled, and he goes well how much u paid for the car? So I can see if we can work up to that. I told him I want book value which is close to 18,000 plus my after market stuff, it does matter what I paid for the car..... He said he can't. I told him I wanted it towed back to my city to be looked at by a experience body shop. He said that I will have to pay for the towing... I told him I won't......and than he said he'll call me back Monday.

The car from what I see has a bent frame..... The whole right suspension has been shifted and bent. The softtop is bent. I couldn't even open my passenger door wich is also dinged up. Also my cusco rear sway bar and t1R coilovers are done. My spoiler is for sure done. Plus my rim. I probably can add stuff on top of that. Pads brakes etc....

I feel for whoever that has ever been in a accident and have to deal with the insurance company. I love my s2000 so much and it sucks to see it being BS upon. You guys know what I mean....

Thanks for all the comments means a lot I'm already using your suggestions..... Seems like everyone thinks it's total, I should give him a link to this forum? I heard that if the repair is 60 percent of the cars blue book value than it is declare totaled? Is that correct.......I am very close to getting a attorney if this car is not totaled.

 

I am right there with ya man.

When on the phone: stay smart. answer questions with as little detail as possible. bitch and pressure, but do it in a nice , business-like way (but also in the way that they know if they do not comply, you'll F*** them up )

 

for the love of everyone of my cars, if they were that bad, i wouldn't want them back anymore. repairable or not, it looks pretty bad.

scott

 

that year/mileage it has to be totaled