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    Thread: Accident Damage

    1. #1
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      Accident Damage

      Got rear ended last week at a traffic light. Proves once again why I drive a Volvo. My car had little visible damage, although it will cost almost $6,000, mostly because the fiberglass back hatch cracked & needs replacement. The Chevy Traverse that hit me was towed to the junk yard with the entire front end crushed & the radiator pushed all the way into the engine.
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    3. #2
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      Wow. Sorry you got hit,as that's never fun but sounds like you're ok, and the car can be repaired. Does the hatch come prepainted? Electric silver probably not easy to match.
      Quote Originally Posted by njlime View Post
      Got rear ended last week at a traffic light. Proves once again why I drive a Volvo. My car had little visible damage, although it will cost almost $6,000, mostly because the fiberglass back hatch cracked & needs replacement. The Chevy Traverse that hit me was towed to the junk yard with the entire front end crushed & the radiator pushed all the way into the engine.
      Last edited by ZZZZZZZ; 04-20-2017 at 07:05 AM.
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    4. #3
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      Volvo for life!
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      Quote Originally Posted by njlime View Post
      Got rear ended last week at a traffic light. Proves once again why I drive a Volvo. My car had little visible damage, although it will cost almost $6,000, mostly because the fiberglass back hatch cracked & needs replacement. The Chevy Traverse that hit me was towed to the junk yard with the entire front end crushed & the radiator pushed all the way into the engine.
      Wow, sorry for your accident but glad you are okay. What was the cause of the accident? Driver inattention is a huge and growing problem. Combine that with continuing improvements in acceleration and performance in even the most basic economy cars is a recipe for disaster. I also got rear ended a few weeks ago so it's still a little fresh for me - catch myself looking in my rearview mirror longer than usual at every stop light now.
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    7. #5
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      Sorry Man, but glad you're unharmed, and hope the repair makes it as good as new. Wow, thought the rear hatch was aluminum like the hood. Learn something new everyday.
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    8. #6
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      Thanks for the comments. I am not 100% sure but think the hatch does come pre-painted but will require some assembly. I did not realize the hatch was fiberglass either until I saw the damage. I was also cautioned by the body shop that virtually all insurance companies are trying to find used parts &/or repops (non OEM knock offs) in an effort to reduce costs. Fortunately, the adjuster said that it was virtually impossible to find a used or repop hatch for a 2015 Volvo. I would not be happy with that. Don't know if it is true, but someone also said that the value of my car will be reduced because of the accident, no matter how well it is repaired. Anyone have input on that?

      We were stopped at a red light. The light changed & traffic started to crawl, then stopped again & the woman just plowed into us. I saw her coming but had nowhere to go. Don't know if she was on a phone, etc but clearly she was not paying close enough attention.
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    9. #7
      Quote Originally Posted by njlime View Post
      Got rear ended last week at a traffic light. Proves once again why I drive a Volvo. My car had little visible damage, although it will cost almost $6,000, mostly because the fiberglass back hatch cracked & needs replacement. The Chevy Traverse that hit me was towed to the junk yard with the entire front end crushed & the radiator pushed all the way into the engine.
      PSA (Public Service Advisory)....Invest in a Dash Cam! Glad you were OK.

    10. #8
      Quote Originally Posted by njlime View Post
      Don't know if it is true, but someone also said that the value of my car will be reduced because of the accident, no matter how well it is repaired. Anyone have input on that?
      Look up Inherent Diminished Value. You can file a claim with the other party's insurance. You'll need to prepare though. It takes a bit of work and they will do everything they can to deny it.


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    11. #9
      Quote Originally Posted by Voytech View Post
      Look up Inherent Diminished Value. You can file a claim with the other party's insurance. You'll need to prepare though. It takes a bit of work and they will do everything they can to deny it.
      Not all states and insurance companies recognize diminished resale value.

    12. #10
      Quote Originally Posted by MyVolvoS60 View Post
      Not all states and insurance companies recognize diminished resale value.
      He's in NJ I think.

      Statute of limitation varies by state. In the State of New Jersey, the statute of limitations for lawsuit filing related to property damage is 6 years from the date your claim arises (date of loss), which means any legal action must be taken within that time period. Even if your car was traded-in or sold privately you can still file a claim/take legal action for diminished value in NJ within the statute of limitations. The repair records as well as documentation of the resale price of the vehicle will be needed to properly assess the diminished value. It is recommended though that a DV claim be filed as soon as possible after your accident.


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    13. #11
      Quote Originally Posted by njlime View Post
      Proves once again why I drive a Volvo. My car had little visible damage, although it will cost almost $6,000, mostly because the fiberglass back hatch cracked & needs replacement. The Chevy Traverse that hit me was towed to the junk yard with the entire front end crushed & the radiator pushed all the way into the engine.
      The front end of a car crumpling is not a sign of poor build quality. The latest cars are designed to accordion to absorb impact. The more energy that's absorbed by the deformation of the car, the less energy will be imparted on the passengers. The car crumpling its front end did you a huge service in dissipating the crash energy.

    14. #12
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      Voytech...Thanks for the input on Inherent Diminished Value. I will do some investigation on this issue. Ibowroom.... I understand that cars are built with a crumple zone to absorb impact. But is it intentional design that the radiator drives back into the engine, causing that much extensive damage? Not sure how fast she was going when she hit me. Airbags did not deploy but the impact was pretty hard.
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    15. #13
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      1. You'll likely need an attorney to claim diminished value, as the insurance will fight that pretty hard.
      2. If it's the other party's fault, you should be getting ALL OEM parts. They damaged an OEM part, you get an OEM replacement part. Period.
      3. You got rear ended, so you probably have whiplash. Go see a PI attorney and get some free chiropractic sessions. =)

    16. #14
      Quote Originally Posted by aznatama View Post
      1. You'll likely need an attorney to claim diminished value, as the insurance will fight that pretty hard.
      2. If it's the other party's fault, you should be getting ALL OEM parts. They damaged an OEM part, you get an OEM replacement part. Period.
      3. You got rear ended, so you probably have whiplash. Go see a PI attorney and get some free chiropractic sessions. =)
      That whole whiplash thing I believe is more a myth than truth. People don't walk away with millions of dollars unless there are serious bodily injuries, loss of limbs, death etc. Whiplash is very subjective, google it. You can't show whiplash on an X-Ray.

      My V40 got hit at 65-100 MPH by an SUV....And the attorney handling things told us whiplash is the least of it.
      Last edited by MyVolvoS60; 04-22-2017 at 08:59 AM.

    17. #15
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      Quote Originally Posted by MyVolvoS60 View Post
      That whole whiplash thing I believe is more a myth than truth. People don't walk away with millions of dollars unless there are serious bodily injuries, loss of limbs, death etc. Whiplash is very subjective, google it. You can't show whiplash on an X-Ray.

      My V40 got hit at 65-100 MPH by an SUV....And the attorney handling things told us whiplash is the least of it.
      You walk away with an extra 5-10k. Worth it.

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    18. #16
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      That's just not me. I have absolutely no whiplash or other injuries & can't claim that I do in good conscience. Just want my XC60 fixed properly.
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    19. #17
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      Quote Originally Posted by njlime View Post
      That's just not me. I have absolutely no whiplash or other injuries & can't claim that I do in good conscience. Just want my XC60 fixed properly.
      +1 and kudos to you for doing and saying the ethical thing. If for no other reason in that all our insurance rates are high are due to others that falsely take advantage of a situation as some suggested here. You are to be commended,.
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    20. #18
      Quote Originally Posted by njlime View Post
      That's just not me. I have absolutely no whiplash or other injuries & can't claim that I do in good conscience. Just want my XC60 fixed properly.
      Agreed. Kudos on honesty. I'm sure your mailbox was full of ambulance chasing attorneys inquiring about your "well being". Or their financial well being...

      Good luck on the repairs

      Whip

    21. #19
      Quote Originally Posted by aznatama View Post
      You walk away with an extra 5-10k. Worth it.

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      Without injuries, you're right. Passenger in my car (Family Member - Driver) (Friend of family member -Passenger) got about $5,000 or $6,000 for "Whiplash". I'll refrain from giving my two cents here on the passenger.....

      Family member was injured (non life threatening but ongoing injuries requiring physical therapy). Thus, "Whiplash" probably will add some value, but attorney doesn't feel this is the bulk of person's claim. Focusing on real versus "perceived and unverifiable" injuries is ultimately fluff.
      Last edited by MyVolvoS60; 04-22-2017 at 12:04 PM.

    22. #20
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      Quote Originally Posted by njlime View Post
      That's just not me. I have absolutely no whiplash or other injuries & can't claim that I do in good conscience. Just want my XC60 fixed properly.
      You don't get paid for whiplash, and you're not a medical professional that can self-diagnose your own injuries (according to the insurance companies). Just knowing that you're working with an attorney will change the way the opposing party's insurance carrier deals with you, even if you're not claiming much medical. Although, unless you know someone, most attorneys won't want to take a case w/ no injuries. Good luck with your diminished valve claim by yourself though. I'd be happy to give you pointers on that if you want.

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      Last edited by aznatama; 04-22-2017 at 12:31 PM.

    23. #21
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      Quote Originally Posted by MyVolvoS60 View Post
      Without injuries, you're right. Passenger in my car (Family Member - Driver) (Friend of family member -Passenger) got about $5,000 or $6,000 for "Whiplash".
      My estimate was inclusive of the diminished value, which is not an insignificant amount of the total. Even if no injuries are apparent, you would always want to be checked out by a medical professional in order to have that injury ruled out by an expert. Last thing you want, in case you're involved in a more serious injury in the future, is for insurance to deny part of you claim by claiming it was a pre-existing condition that you received from a past accident. Insurance companies are the worst.

      FYI, diminished value is not insignificant at all. I was involved in a fender bender that resulted in 7k worth of damage to my previous car, and was able to claim over 50% of that as diminished value. This was for a car that was worth, at most, 23k at the time.

      Also, do you think the time spent dealing with the accident, the extra hassle, and the inconvenience of the accident is not worth anything? What about time off from your job that you may have had to take in order to take care of accident related stuff? All that is what the extra amount is for. You're not paid for whiplash, you're paid compensation for these other things that resulted from the accident. It's about how much your time is worth.

    24. #22
      Quote Originally Posted by aznatama View Post
      My estimate was inclusive of the diminished value, which is not an insignificant amount of the total. Even if no injuries are apparent, you would always want to be checked out by a medical professional in order to have that injury ruled out by an expert. Last thing you want, in case you're involved in a more serious injury in the future, is for insurance to deny part of you claim by claiming it was a pre-existing condition that you received from a past accident. Insurance companies are the worst.

      FYI, diminished value is not insignificant at all. I was involved in a fender bender that resulted in 7k worth of damage to my previous car, and was able to claim over 50% of that as diminished value. This was for a car that was worth, at most, 23k at the time.

      Also, do you think the time spent dealing with the accident, the extra hassle, and the inconvenience of the accident is not worth anything? What about time off from your job that you may have had to take in order to take care of accident related stuff? All that is what the extra amount is for. You're not paid for whiplash, you're paid compensation for these other things that resulted from the accident. It's about how much your time is worth.

      Partially true. You're paid for actual damages (Vehicle, Medical Bills, Lost Wages (not including the use of sick days), diminished value (varies by state), etc.

      If i hit your car (rear end) and you suffer no medical injuries as verified by a doctor. Then the most you'll get is diminished value (varying by state), lost wages (I.E. if you had to take a day off to have car repaired), reimbursement for a rental car, and your car repaired.

      Passenger in the accident I described above deserved NOTHING. He whined about whip lash and is a waste of space......One of those too lazy to work people and will milk any bad situation for what it's worth.

      Family member suffered genuine injuries, as verified by a doctor. Physical therapy was recommended, and undertaken. Surgery was recommended, but being that family member is older, didn't want surgery to repair injury. Pain management was undergone. Family member is under care of a physician. So the settlement here will be more substantial than an "ouch i hurt my neck", call the chiropractor, and let me wear a neck brace in court, case.

      And my poor car? Well it saved their lives but was a total loss.. sniffle...

    25. #23
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      Wow. Many more issues here than I realized.
      1- Yes, my mailbox was loaded with letters from attorneys wanting to represent me if I was claiming injury. One attorney even sent complter copies of the actual police report, etc via Certified Mail.
      2- I also got postcard adverts from several chiropractors.
      3- Fortunately, I have insurance coverage for a rental vehicle while repairs are being completed....up to 30 days..car should be fixed within 2 weeks.
      4- I processed the claim through my insurance company as it is simpler & quicker this way. I will let my insurance company collect/chase the insurance company of the woman who hit me through subrogation & they will reimburse my deductible after they settle with the other insurance company.
      5- I am all for people being reasonably reimbursed for real expenses as the result of an accident & I will investigate the diminished value possibility.
      6- But again, in my case, there was no real out of pocket cost for time lost at work, trips to doctors or body shops, etc. I could build a claim for those items but not interested.
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    26. #24
      Quote Originally Posted by njlime View Post
      Wow. Many more issues here than I realized.
      1- Yes, my mailbox was loaded with letters from attorneys wanting to represent me if I was claiming injury. One attorney even sent complter copies of the actual police report, etc via Certified Mail.
      2- I also got postcard adverts from several chiropractors.
      3- Fortunately, I have insurance coverage for a rental vehicle while repairs are being completed....up to 30 days..car should be fixed within 2 weeks.
      4- I processed the claim through my insurance company as it is simpler & quicker this way. I will let my insurance company collect/chase the insurance company of the woman who hit me through subrogation & they will reimburse my deductible after they settle with the other insurance company.
      5- I am all for people being reasonably reimbursed for real expenses as the result of an accident & I will investigate the diminished value possibility.
      6- But again, in my case, there was no real out of pocket cost for time lost at work, trips to doctors or body shops, etc. I could build a claim for those items but not interested.
      I would say that you visit a doctor before settling and signing off. Just to make sure there are no injuries. Suck up the co-pay or pass along to your car insurance. Better to get a once over physical. In the event you do have injury, you aren't signing away those rights. Precautionary vs Feigning Injury.

      Likewise, I think you are being very conservative not to claim lost wages. Did you miss meetings? Work? Potential Clients, etc? If so, then you should file for some monetary loss.

      Other than that, I think you've done the right thing.
      Last edited by MyVolvoS60; 04-24-2017 at 08:04 AM.

    27. #25
      Yes, good thing you were in a Volvo... not sure if you saw the news article a little while back about most cars' front seats collapse into the rear seat when the car is rear-ended. One woman became a paraplegic from that, another poor guy hit his toddler's head with his head and killed her. The only seats designed to not do this were specifically called out by the reporter : Volvo, MB, BMW.
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    28. #26
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      Picked up my car from the body shop yesterday. Looks as good as new. To clarify an earlier question ... the back hatch does not come painted...body shop did a nice job matching the electric silver color. The lower bumper & air dam do come painted (?). Also learned a bit about Inherent Diminished Value. My Volvo dealer says value can't be accurately determined until the vehicle is sold. However most dealers agree that the value is reduced by 20% & that is the hit I would take if I wanted to trade in today. Neither the dealer nor the body shop could offer much advice or encouragement on collecting for diminished value from the insurance company, but did suggest I at least get the insurance company to use the description "driveable" & if possible, "cosmetic damage only" when they submit to CarFax, which is the source behind Inherent Diminished Value.
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    29. #27
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      Quote Originally Posted by njlime View Post
      Picked up my car from the body shop yesterday. Looks as good as new. To clarify an earlier question ... the back hatch does not come painted...body shop did a nice job matching the electric silver color. The lower bumper & air dam do come painted (?). Also learned a bit about Inherent Diminished Value. My Volvo dealer says value can't be accurately determined until the vehicle is sold. However most dealers agree that the value is reduced by 20% & that is the hit I would take if I wanted to trade in today. Neither the dealer nor the body shop could offer much advice or encouragement on collecting for diminished value from the insurance company, but did suggest I at least get the insurance company to use the description "driveable" & if possible, "cosmetic damage only" when they submit to CarFax, which is the source behind Inherent Diminished Value.
      Good to know and thanks for the information. Glad your car turned out well.
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