My TE is CRASHED HELP!!

[@ivanyeung@]

hi guys

i m have a few problems due to the crash from an hour ago. let me explain wht happened

i m sorry for my bad english and spelling

today afternoon i was driving home and the traffic is not that good and there is a ford stop just before the lights due to the traffic is stoped in the front then i stop and it was not fast at all the car behind me stoped too and is just fine after 3-4 second i hear a big BAN!!! than the car behind me hit into me and i get push into the ford infront of me the 4th car hit in to the 3rd car ....it was a girl with green P and has a age of 20 diving a 2009 toyota corrolla and i m just thinking :roflwtf: which means 4 cars are hited in a role after that police came and the towing truck tow the 2 cars behind me and i m lucky my car can still drive!!! so what the police told me is that is the 4th cars falt and her insurence will cover everything. i do noy understand !!

so she is going to pay for my damage right ???but wt about my mods ???as i got new front bar body kit my wing tnited head light ..... will the insurence pay for that too??? and what should right now the police says that he will give me the event number 2morro so...i m so worries about my baby...

and can i give my car to my own repair or some other repairs ??? or have to follow the insurence ??
by the time my car is getting fix will they give me another car for my daily use can i require it ??

this is happened in ashfiled and i will post up picture of it ..... later tonight
thanks guys for the help as i m so **** up at the moment + unhappy

one more thing i only got third party insurence

if i posted in the wrong place please correct me


MORE PICTURE
http://i722.photobucket.com/albums/ww221/ivanyeung1234/6575f5b1.jpg
http://i722.photobucket.com/albums/ww221/ivanyeung1234/20091106263.jpg
http://i722.photobucket.com/albums/ww221/ivanyeung1234/20091106264.jpg
http://i722.photobucket.com/albums/ww221/ivanyeung1234/20091106261.jpg

[FFEEkY]

Do you have comprehensive car insurance? If you do, call your insurance company now and tell them what has happened. That way your repairs can happen through your insurance company, and her insurance will pay your insurance. If you get it fixed through her insurance, then you have to agree to the terms setout by her insurance company, if you get it down through your own, you get it at the terms you are paying for.

If you have all those extra mods, i would make sure you go and get pics of your car asap with all the broken bits shown to prove they were on the car during the accident.

Glad to hear your ok, these types of accidents normally end up much worse than a couple dinged up bumpers

[Mecha-wombat]

Sorry to hear Ivan Ffeeky is spot on except you only have 3rd party call your insurance in any case and they should be more than helpful in explaining to you the process and if you need an interpreter they can get one on the phone too

[@ivanyeung@]

thanks mate i know i m lucky i m ok but the only thing is that i only have third party insurence and i will have to go through her insurence company an dwt type of terms will give ??? examples ?? thanks

i do not understand why dident her stop.....???

[@ivanyeung@]

i called and they will call me back 2morro .... i m just so worrie abut my car ....... will i get the car fixed with out paying anything ????

[Rory_newton]

Ahhh that sucks man, hope its all sorted out soon!



i do not understand why dident her stop.....???

She was prob txting on her phone or something, (Or maybe just didnt realise people had stopped)...

[Boozer]

it was a girl with green P and has a age of 20 diving a 2009 toyota corrolla

did you at least get her number?

if you are on full comp, you got nothing to worry about, i think you shouldn't worry about even if you are on 3rd party, its wasn't your fault that you got moved forward, so tell the insurance company that you got hit in the back which resulted in you moving forward...

[@ivanyeung@]

i dont understand how she drives i was like WTF and my car is badly damage and it turns out a lot wrose outside the picture.... i put some more pic tonigth and u will see the damage. the police tell me that he will call me and provide all the information tomorro so i got nothing from her ... and i just can not afford to pay for any repair on my car and i rather fix my car with someone i know ....... but she needs to pay for it
is that going to happen ???

[2002 Vrx]

Sorry to hear that mate i was the meat between the sandwich 2 weeks ago my 2003 Magna Sports was written off, i was totally guttered! front end had 9K worth of damage and rear 4K, chin up mate. Make sure you get plenty of photos to show what add ons you have.

[@ivanyeung@]

what can i do now ???

[Mecha-wombat]

Sit and wait ivan but take lots of photos in the meantime and have them handy

[@ivanyeung@]

alright i will take some in themorning ... thanks guys ....

[SupremeMoFo]

And calm down and recognise that people stuff up, badly in the case of the 2009 Corolla driver.

[spud100]

Ivan,
Great photo.
She is to blame.
Do you have her details.
Call her insurance company and inform them that you are claiming on her insurance.
Tell them that you have pictures of the accident.
Did the police attend the accident. If so do you have the incident number.

Read your post again.
They have to repair your car into the condition it was in before the accident.
Also you have the right to have a hire car while your car is being repaired. You may have to demand this!

As you have third party, call your insurers and tell them that you have been rear-ended and TELL them to pass a no-blame claim on to the insurer of the driver/car that caused the accident.
Gerry

[@ivanyeung@]

hey gerry thanks for that it is useful thanks again the police say that he will contact me with all the information i need tomorro so i will just wait until i got the info and i will let u guys know and just asking can i bring to any smash repair i want to???


and the corolla damage badly .... front suspension is dead hit right in to the engin and car is not starting so have to be towed....

[Dave]

good that you aren't hurt mate.

You'll be fine and so will the car. Basically, her insurance company MUST return the car back to its original state prior to the crash. If they have to replace the aftermarket front bar/rear wing, then that is exactly what they must do. :)

[@ivanyeung@]

thanks for that i hope they will and also i need another car for me to go to work and college this is driving me mad .....

[Magna_TR-Driver]

I Question, How dark are your tail lights? It doesnt matter because you were a middle car but if it was me i would swap em out before their insurance company see them.

[robceline]

spot on i had this happen to me a couple of years ago once you got a police report go to your insurance company they will tell get your car fixed and will bill the other insurance company for the repairs all they need is to prove the other party is at fault which the police report will do that

Ivan,
Great photo.
She is to blame.
Do you have her details.
Call her insurance company and inform them that you are claiming on her insurance.
Tell them that you have pictures of the accident.
Did the police attend the accident. If so do you have the incident number.

Read your post again.
They have to repair your car into the condition it was in before the accident.
Also you have the right to have a hire car while your car is being repaired. You may have to demand this!

As you have third party, call your insurers and tell them that you have been rear-ended and TELL them to pass a no-blame claim on to the insurer of the driver/car that caused the accident.
Gerry

[Dave]

I Question, How dark are your tail lights? It doesnt matter because you were a middle car but if it was me i would swap em out before their insurance company see them.

Won't matter a cent if he isn't using his own insurance

[tww]

I Question, How dark are your tail lights? It doesnt matter because you were a middle car but if it was me i would swap em out before their insurance company see them.

That was my thought too. An insurance company will take any excuse it can to avoid a payout. But, in this case, simply the fact that he's the 2nd of 4 in the line that was crashed into and not the one their client has hit should mitigate that.

Good luck with the repairs Ivan - hope you're back and rolling soon.

[@ivanyeung@]

thanks guys i been to the smash repairs today and i know that guy he told me :''your car...... not wroth to fix it you are so fxcx up man just get it written off ...." . the back is badly damage it went right on to the boot. it went in about 40-45 cm and even the place that put the spare tyer is hited and the front also dead it kill the air intake ,radiator, pipes, headlight .....many other so.... i think it will be written off but. i dont know how can this happen even my mulffer is bended and the pipes under the car is also bended.


i got some question Will i get my money back such as mods, value of the car ??

[Rhino]

depends mate if you have told the insurance about mods.

[M4DDOG]

Sorry to say mate but i've seen TJ's written off for less. No way they will fix it.

I'm not sure how mods work in a situation like this, is the other insurance company obligated to give you the base cost of the car plus the mods? Or pay you the base cost and give you the option of taking parts off? But if they're broken they surely must pay for them?

Hopefully someone with more knowledge will answer these as I too am curious.

[@ivanyeung@]

i also dont know.
what is the market value of a TE v6 1996 ??+ i have got all the recipt of my mod which is over 3000... so will i get them back ???

[@ivanyeung@]

is the oppsit insurence company paying right ? cause i only have 3rd party... and it is her falt so.... wt s going to happen can any one tell me ??? please thanks

[Life]

Yes, their insurance company will pay out - You *may* also get to keep the wreck since their company is paying it out and not yours.

[robceline]

Yes, their insurance company will pay out - You *may* also get to keep the wreck since their company is paying it out and not yours.

i hope so could be a nightmare makes me think might be time to update my mods with my insurance company

[@ivanyeung@]

so that means they will pay me every thing right ???

[Life]

so that means they will pay me every thing right ???

They will pay whatever your car is assessed at. For a TE it prob wont be much.

[@ivanyeung@]

wt about the mods ???

[MitchellO]

These are things you really need to check with the insurance company, anything here is just conjecture. If all fairness you should get paid out for the lot, but they will likely try and screw you for the lowest amount possible.

[mitsubitchy]

her car insurance will cover your car but they will only cover it by the agree value of the car not for all the extra that you have on the car unless you have the extra put down on your own insurance

[Potentfoz]

Also if they can prove your car unroadworthy (aka these tinted taillights that have been mentioned) its likely you wont get squat. Depends on the assessor though i would assume.

[Dave]

Also if they can prove your car unroadworthy (aka these tinted taillights that have been mentioned) its likely you wont get squat. Depends on the assessor though i would assume.

NOT TRUE. He was in no way at fault and did not contribute to causing the accident. Even if he had no tail lights absolutely nothing will happen. If he was the one who was rear ended by the Corolla then that is a different story

[Mecha-wombat]

Also if they can prove your car unroadworthy (aka these tinted taillights that have been mentioned) its likely you wont get squat. Depends on the assessor though i would assume.

Regardless of the roadworthiness of his vehicle he is entitled to compensation as he was not the person who is at fault

The blue Corolla has shunted the red into him then him into the Ford, blue is directly at fault for failure to stop! cheques will be negotiated and written to the victims

[Potentfoz]

NOT TRUE. He was in no way at fault and did not contribute to causing the accident. Even if he had no tail lights absolutely nothing will happen. If he was the one who was rear ended by the Corolla then that is a different story

Im sorry are you the insurance assessor?

Id had an issue similar to this (in regards to who was at fault etc) a lady hit the car infront of her, causing her car to come out into the middle of the intersection which i consequently t-boned, at the time the front two tyres were almost on the markers (not quite but almost) the insurance guys who came out to look at the car, said because the car was apparently un-roadworthy, i was ineligible for compensation because of it, however, after numerous phonecalls, interviews and 2nd/3rd opinions they ended up paying me out for it.

While this is different to the Op's accident, the fundamentals are similar (not at fault but driving a potentially un-roadworthy car) no-one will really know until its assessed, but he does need to know, that there is a remote chance he may be in for a battle.

[Mecha-wombat]

I use to handle claims for insurance yes

Always so much hostility cause people get shafted by Shitty insurance companies

[@ivanyeung@]

so is it true that i will not get my mods back ....i did nothing .....

[Mecha-wombat]

so is it true that i will not get my mods back ....i did nothing .....

They would only pay you the market value of your car you will have to fight to get the cost of your mods added to the final total in the event of a total loss

but they may take the salvage value off the payout and then you get to keep the car and you could part it out

[@ivanyeung@]

but than it wold not be enough to get another magna right ???

[Mecha-wombat]

how long is a piece of string ?

If you can answer that then you will be able to answer your question IVAN

Sorry champ but you wont know till the time comes

[@ivanyeung@]

yes mate thanks alot for the information i m just so worries about it as u know i love the magna i l m so proud to own a magna ... after this i will still get a magna ...

[robceline]

ok here is my story i had a truck hit me about 4 years a go and they wanted to write the car off i had no insurance and was the truck drivers fault they told me the value of my car market value that was what they were going to pay me
i asked them can i keep the vechile they siad get three quotes from wreckers which idid they went of the dearest one meaning the place that would give me the most for my car
they then took that off the price they were going to pay me for the car and i can keep the car
i did have to ask to keep the car
a mate of mine did the same but they paid him out and siad keep the car depends on insurance company
because you can say you have done a lot of work on the car im sure they will allow you to keep it
good luck

[Dave]

Im sorry are you the insurance assessor?

Id had an issue similar to this (in regards to who was at fault etc) a lady hit the car infront of her, causing her car to come out into the middle of the intersection which i consequently t-boned, at the time the front two tyres were almost on the markers (not quite but almost) the insurance guys who came out to look at the car, said because the car was apparently un-roadworthy, i was ineligible for compensation because of it, however, after numerous phonecalls, interviews and 2nd/3rd opinions they ended up paying me out for it.

While this is different to the Op's accident, the fundamentals are similar (not at fault but driving a potentially un-roadworthy car) no-one will really know until its assessed, but he does need to know, that there is a remote chance he may be in for a battle.

This is not even close to being similar because you would have had the opportunity of braking before t-boning the car, thats what the insurance company would have been thinking. The only the way the OP could have prevented this was:

a) He is Stretch Armstrong.
b) He is jesus.

[Potentfoz]

This is not even close to being similar because you would have had the opportunity of braking before t-boning the car, thats what the insurance company would have been thinking. The only the way the OP could have prevented this was:

a) He is Stretch Armstrong.
b) He is jesus.

No i couldnt of avoided my accident, we worked it out to be a 0.433 reaction and stopping time for me to avoid that car, the average reaction time is around .5 seconds, and im no superman by any means :eeek: The insurance company believed that with brand new tyres i may of been able to swerve around the accident ahead of me, but being a wet day, also the road was extremely busy, proved otherwise.

As i said before its not so much who is at fault (as we all know its the toyota's fault) its whether the assessor will allow a claim for it to go through (regarding its modifications and roadworthyness)

[lowrider]

No i couldnt of avoided my accident, we worked it out to be a 0.433 reaction and stopping time for me to avoid that car, the average reaction time is around .5 seconds, and im no superman by any means :eeek: The insurance company believed that with brand new tyres i may of been able to swerve around the accident ahead of me, but being a wet day, also the road was extremely busy, proved otherwise.

As i said before its not so much who is at fault (as we all know its the toyota's fault) its whether the assessor will allow a claim for it to go through (regarding its modifications and roadworthyness)

sorry i have to agree with cybermonkey here, ive been dealing with insurances a lot, your case had a direct effect on the accident, unroadworthy tires in the rain.... of course the insurance co will try to not pay out. :nuts::nuts:
in the case of ivan, darkened tail lights that the offender didnt even have sight of because of another car inbetween, had ZERO affect on the accident.
you should understand in your case, it wasnt because your car was defectable in general but the defects may have led to the accident or may have avoided the accident.
if ivan was the car that was hit first, and the girl claimed that his taillights were too dark and she couldnt see them, then that is the cause of the accident and he wouldnt be paid out,

[lowrider]

i also dont know.
what is the market value of a TE v6 1996 ??+ i have got all the recipt of my mod which is over 3000... so will i get them back ???

ivan i fail to see 3000 worth of mods that have been damaged. damaged tinted stock headlights and taillights, bent muffler.
best to return your car to stock asap, get paid out, and buy a new magna.

[Blazin']

I was in a similar situation a few years ago with my first car. I was stationary behind a stopped car, and a crazy (uninsured/unregistered/unlicensed) driver ran up the back of me and pushed me into the car in front. It worked out OK for me in the end since I got paid out more than I paid for the car by my insurance company (only 3rd party, but they had a policy that you would be covered up to $3000 if the other driver is uninsured and then they would chase after the other driver for the money). So I got paid out $1800 for my car (only paid $1000 for it) and took of $50 to keep my car. I stripped it of parts,, and bought another one, and had all the spare parts I needed. The only difference, I hadn't done any mods to my car by then so that wasn't an issue with me...

But best way for you to go, is to talk directly to yours and her insurance company 'cos they are all different and many of the opinions given on here may be invalid.

But, saying this I am going to give my opinion. You should get paid out for any mods (not saying you will though) you had to your car that were damaged in the accident (even if they weren't stated in your insurance policy) since it was her fault that they were damaged, and you should not come out at a loss (financially at least) since she damaged your property. Imagine if she ran through your front yard and knocked down a fence. She would have to pay for replacing the fence. It's a similar thing... I dunno, you should get paidd out for them, but the reality is you probably wont :(

Good luck with it mate, and I hope it sorts itself out OK for you.

edit: PM adizz131 (http://www.aussiemagna.com/forums/member.php?u=14461), he works for an insurance company and might be able to help you out.

[sirhrt]

l have this happen to me last xmas and my car was written off and then l got the car back minus what the wrecker would pay for it($650) so l got what they wrecken it was worth. my was a tf and a very clean car. but hope it all works out for you.