Insurance and wrecked Mazdaspeed
 

My 2 month old MS Miata was sandwiched between a Blazer and F150 while
sitting in traffic. The truck slammed my rear and pushed me into the
rear of the Blazer. No injuries, the truck's airbags deployed and
mine did not. Is it possible to get paid for depreciation above the
cost of repairs? It goes to the adjuster Tuesday. I'm going to talk
to my dealer today and see what they say. I just want to be armed
with as much info as I can. Geez, I loved that car. Les B. 8^(
Formerly '99 Blue, now wrinkled '04 Titanium MS

Yes, esp. when another insurance company's driver is at fault.
I'd likely fight for a new car. Is your neck sore?

"Chuck Aydlette" > wrote in message
...
> My 2 month old MS Miata was sandwiched between a Blazer and F150 while
> sitting in traffic. The truck slammed my rear and pushed me into the
> rear of the Blazer. No injuries, the truck's airbags deployed and
> mine did not. Is it possible to get paid for depreciation above the
> cost of repairs? It goes to the adjuster Tuesday. I'm going to talk
> to my dealer today and see what they say. I just want to be armed
> with as much info as I can. Geez, I loved that car. Les B. 8^(
> Formerly '99 Blue, now wrinkled '04 Titanium MS


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No soreness at all. How do I get "them" to go for a new car? Thanks
for the help. Les '04MS
On Sat, 27 Nov 2004 13:56:42 -0500, "chuckk"
> wrote:

>Yes, esp. when another insurance company's driver is at fault.
>I'd likely fight for a new car. Is your neck sore?
>
>"Chuck Aydlette" > wrote in message
...
>> My 2 month old MS Miata was sandwiched between a Blazer and F150 while
>> sitting in traffic. The truck slammed my rear and pushed me into the
>> rear of the Blazer. No injuries, the truck's airbags deployed and
>> mine did not. Is it possible to get paid for depreciation above the
>> cost of repairs? It goes to the adjuster Tuesday. I'm going to talk
>> to my dealer today and see what they say. I just want to be armed
>> with as much info as I can. Geez, I loved that car. Les B. 8^(
>> Formerly '99 Blue, now wrinkled '04 Titanium MS
>
>
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>Outgoing mail is AVG certified Virus Free.
>Checked by AVG anti-virus system (http://www.grisoft.com).
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>

>No soreness at all. How do I get "them" to go for a new car?

some insurance companys have a policy that states that," if you total a car
less then 1 year old they will pay for a new car"...
larry Hill

On 27 Nov 2004 20:27:21 GMT, (Larry Hill) wrote:

>>No soreness at all. How do I get "them" to go for a new car?
>
>some insurance companys have a policy that states that," if you total a car
>less then 1 year old they will pay for a new car"...
> larry Hill
I don't think it will be totaled. I'll do my best. L.

Larry Hill wrote:
>>No soreness at all. How do I get "them" to go for a new car?
>
>
> some insurance companys have a policy that states that," if you total a car
> less then 1 year old they will pay for a new car"...
> larry Hill

Pretty rare that an insurance company will pay for more than fair market
value or actual cost of repairs. You will probably have to threaten
legal action for the depreciation which is not unreasonable to do. If
the car is not totalled then I would make sure that the body shop does a
complete tear down of the car to find hidden damage. Sometimes the cost
of the tear down and the hidden damage is enough to make the car a total
loss. You might also be entitled to compensation for "pain and
suffering" or your significant other may be compensated for "temporary
loss of companionship" hehe.

I guess it all depends on how far you want to go with your claim. One
time a fellow rear ended my brand new Explorer. My wife was driving
with my 2 babies in it. The other driver had really bad insurance and
they didn't want to pay for squat. My only recourse would have been to
sue the negligent driver, but he was such a nice guy that I didn't take
it any further. He was almost crying over my kids and called every day
to see how they were doing. Body shop fixed the Explorer, but it was
never the same. It was a leased vehicle anyway so I didn't worry about
depreciation. The dealer that leased it to me did the repairs so they
couldn't complain when I turned it in.

Good luck with the repairs. If a good shop does the work you will never
be able to tell it was ever wrecked. Some of the work can be better
than new.

The real problem, even with a good repair is that the car is worth quite a
bit less than before the repair.
A repaired car is not the same as a never damaged one. Besides, a record is
kept by states and insurance companies, and used to help justify a lesser
replacement value on a subsequent repair.

You had a car that was 2 months old, and not wrecked. By law, technically,
as I understand it, you are entitled to at least that.
Any other reasonable expenses are also part of the entitlement. You might
have to hire a Lawyer to collect all that the laws allow. At least, talk to
a lawyer; the first visit is generally free.
You might argue that the loss of value due to the accident is equal to or
more than the depreciation on a 2 month old car. Remember that the new car
warrenty is also at risk, and an additional loss, since the dealer/mfr can
argue that various failures are due to the accident and not warrenty
failures.


"D. Rogers" > wrote in message
news:jsaqd.474008$D%.304315@attbi_s51...
> Larry Hill wrote:
>>>No soreness at all. How do I get "them" to go for a new car?
>>
>>
>> some insurance companys have a policy that states that," if you total a
>> car
>> less then 1 year old they will pay for a new car"...
>> larry Hill
>
> Pretty rare that an insurance company will pay for more than fair market
> value or actual cost of repairs. You will probably have to threaten legal
> action for the depreciation which is not unreasonable to do. If the car
> is not totalled then I would make sure that the body shop does a complete
> tear down of the car to find hidden damage. Sometimes the cost of the
> tear down and the hidden damage is enough to make the car a total loss.
> You might also be entitled to compensation for "pain and suffering" or
> your significant other may be compensated for "temporary loss of
> companionship" hehe.
>
> I guess it all depends on how far you want to go with your claim. One
> time a fellow rear ended my brand new Explorer. My wife was driving with
> my 2 babies in it. The other driver had really bad insurance and they
> didn't want to pay for squat. My only recourse would have been to sue the
> negligent driver, but he was such a nice guy that I didn't take it any
> further. He was almost crying over my kids and called every day to see
> how they were doing. Body shop fixed the Explorer, but it was never the
> same. It was a leased vehicle anyway so I didn't worry about
> depreciation. The dealer that leased it to me did the repairs so they
> couldn't complain when I turned it in.
>
> Good luck with the repairs. If a good shop does the work you will never
> be able to tell it was ever wrecked. Some of the work can be better than
> new.


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It's my understanding that in some states you can demand to be compensated
for the amount that the vehicle value is deminished due to having been
wrecked and repaired.

If you do a Google search on the term "diminished value" you'll find a lot
of information.

John ('94 white Miata)


"Chuck Aydlette" > wrote in message
...
> My 2 month old MS Miata was sandwiched between a Blazer and F150 while
> sitting in traffic. The truck slammed my rear and pushed me into the
> rear of the Blazer. No injuries, the truck's airbags deployed and
> mine did not. Is it possible to get paid for depreciation above the
> cost of repairs? It goes to the adjuster Tuesday. I'm going to talk
> to my dealer today and see what they say. I just want to be armed
> with as much info as I can. Geez, I loved that car. Les B. 8^(
> Formerly '99 Blue, now wrinkled '04 Titanium MS