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My 911 Was Rear Ended Friday Night

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YOUR RESEARCHMy 911 Was Rear Ended Friday Night

Leading reported evidence

Check into

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When I checked into replacing the factory PSE on my C4S I was surprised to discover just the exhaust parts were over $6,000.

My 911 Was Rear Ended Friday Night
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Check customer reviews online do whatever you have

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Suggestion

Check customer reviews online do whatever you have to do to find the best body shop to take it to.

My 911 Was Rear Ended Friday Night
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Leading evidence: 'Check into' (no explicit attributable resolution; this is a reported action or suggestion). Across 1 matching discussions, the most frequently mentioned possible cause is 'cats, mufflers, or headers' (1 discussions; 0 report identifying it and 1 suggest it). The most frequently discussed action is 'Check customer reviews online do whatever you have' (1 discussions). For that action, 0 discussions report a resolution and 0 report an unsuccessful attempt. No action has an explicit, attributable resolution report under the current rules. These are forum reports and suggestions, not a confirmed diagnosis.

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Inspect by a professional familiar

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Performed · outcome unconfirmed

Make sure you get the damage inspected by a professional familiar with the 996.

My 911 Was Rear Ended Friday Night

Install by the local porsche dealer

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Performed · outcome unconfirmed · Original poster

Porsche 996 Carrera Maxflo Performance Exhaust System and Porsche 996 Carrera Sport Headers installed by the local Porsche dealer.

My 911 Was Rear Ended Friday Night

Repair car without having

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Performed · outcome unconfirmed

Up in the province I am in, it's governed by "No Fault" insurance protocol, my sister was hit by another car last year, she contacted her insurance company, who sent her to a preferred shop nearby, she picked up the repaired car without having to pay any deductible, her insurance company dealt with the other person's insurance company for the full compensation.

My 911 Was Rear Ended Friday Night

Repair properly

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Performed · outcome unconfirmed

As a autobody Painter for the past 20 years, no matter what happens just be careful which bodyshop you take your car to in order for it to get repaired properly.

My 911 Was Rear Ended Friday Night
Frequently discussed actions (10)

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Check customer reviews online do whatever you have

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Suggestion

Check customer reviews online do whatever you have to do to find the best body shop to take it to.

My 911 Was Rear Ended Friday Night

Check from his vehicle

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Suggestion

I got an estimate from my preferred shop, dropped it at their office, and the guy printed me a check from his vehicle on the spot.

My 911 Was Rear Ended Friday Night

Check into

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Performed · outcome unconfirmed

When I checked into replacing the factory PSE on my C4S I was surprised to discover just the exhaust parts were over $6,000.

My 911 Was Rear Ended Friday Night

Clean record

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Suggestion

It's much easier if it had a clean record, but you can still do it.

My 911 Was Rear Ended Friday Night

Inspect by a professional familiar

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Performed · outcome unconfirmed

Make sure you get the damage inspected by a professional familiar with the 996.

My 911 Was Rear Ended Friday Night

Install by the local porsche dealer

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Performed · outcome unconfirmed · Original poster

Porsche 996 Carrera Maxflo Performance Exhaust System and Porsche 996 Carrera Sport Headers installed by the local Porsche dealer.

My 911 Was Rear Ended Friday Night

Recommend ...once

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Suggestion · Original poster

I used the shop my insurance recommended...once.

My 911 Was Rear Ended Friday Night

Recommend while i was having a tiff

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Suggestion

The only "smooth"/"as promised" body shop experience I have had is by a "professional" shop my insurance recommended while I was having a tiff with my normal guy.

My 911 Was Rear Ended Friday Night

Repair ) and have them go

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Suggestion

repair) and have them go after the other driver's insurance to recoup the payout then a DV claim is NOT allowed.

My 911 Was Rear Ended Friday Night

Repair car without having

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Performed · outcome unconfirmed

Up in the province I am in, it's governed by "No Fault" insurance protocol, my sister was hit by another car last year, she contacted her insurance company, who sent her to a preferred shop nearby, she picked up the repaired car without having to pay any deductible, her insurance company dealt with the other person's insurance company for the full compensation.

My 911 Was Rear Ended Friday Night
Reported and suspected causes (1)

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cats, mufflers, or headers

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Suspected cause · Original poster

I don't know if that is due to the cats, mufflers, or headers, but I miss it.

My 911 Was Rear Ended Friday Night
Coverage and how to read this overview

Counts describe captured discussions, not unique people or a diagnosis. Author identities are not reliably stored. Exact duplicate evidence is counted once across matching discussions; one discussion counts at most once per action/state. Multiple repairs reported together remain a combination. Suggestions and failed attempts do not establish a fix. Matches cover whole discussions and can include related faults, model variants and incomplete threads.

106 eligible posts · 0 unverified posts · 1 discussions match the subject in their title or opening post.

  • Rennlist: 1 discussions

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Outcome without a verified action link

It took about 6 weeks of physical therapy to get back to normal or so

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Generation: 20261027T042512Z · outcome-qualification-6. Deterministic extraction; no AI model inference. How we use sources

POST 1 / ORIGINAL POSTEROriginal post

So I'm sitting at a red light at a complete stop behind about a dozen other cars that are stopped and BAM. Clobbered by a Kia Amante. Hopefully her insurance (Progressive) won't give me a hard time about having it repaired correctly. If so, I'll have my insurance fix my car and go after them. Even though my car is lowered, the girl that hit me was on her brakes hard, so the front end dove and only hit my bumper, bumperettes, and exhaust. So far as I can tell there is no heavy damage hidden beneath. We'll see!

POST 2Original post

Bummer man. Sorry to hear. Hope everything is ok with you and your car.

POST 3Original post

Ugh that sucks man. I bet her eyes got pretty big when she realized she just rammed a 911.

POST 4Original post

Why would her insurance pay for your damage? thats not how auto insurance works.

POST 5Original post

I don't know about the state of MS but in the Republic of TX, if you are 'at fault', then your insurance company pays for the repair of the victim's damage. I don't care if it's another car, or a bike, or a house, airplane, boat, person, etc. Sorry to hear about it. Hope you don't have any serious damage that will cause it to be totaled.

POST 6Original post

Quotes source post: 12918486

It's ok, we've all been wrong in our lives at least once or twice.

POST 7Original post

Wow...that sux big time I'd bet big $$ she was texting or something similar...Was she ticketed?

POST 8Original post

Quotes source post: 12918486

I'll take liability insurance for $200 Alex.

POST 9Original post

Quotes source post: 12918542

Yes, but "you" cannot make a claim with the other persons insurance, "you" have nothing to do with that. You make a claim with your insurance, they will fix your car according to the coverage "you" have, then they will settle the costs with the other persons insurance company. You are totally out of the loop with that and have no say in it. And lets say the other person is at fault, and you don't have collision on your car, then your car is getting fixed out of your pocket, insurance isn't going to pay out a dime. Yours or theirs.

POST 10Original post

If fault is clear often you work directly with the at fault driver's insurance. The more you know.....

POST 11Original post

Quotes source post: 12918648

good luck making a claim with an insurance for which you do not have a policy with, that's not how it works....the more you know

POST 12Original post

Sometimes the person at fault calls their company and says hey, I screwed up. They submit a claim. The company then calls you and works directly with you.

POST 13Original post

http://www.nolo.com/legal-encycloped...laim-work.html

POST 14Original post

Time for new aftermarket exhaust and rear bumper with bumperette delete. Honestly though, glad to see that you're okay. Car's don't matter.

POST 15Original post

Some states allow you to claim diminished value. Make sure you make a claim for it if your state allows it.

POST 16Original post

Quotes source post: 12918643

That makes sense. I'd hate to think we're all alone negotiating against Lowballs-R-Us Ins. Co.

POST 17Original post

Quotes source post: 12918681

Totally not true. I got rear ended twice last year, and both times my insurance said, 'It's better if we're not even in this. If there's no injury, they will contact you and fix your car. If you go through us - you pay a deductible. If you deal with them, they pay 100%.' And that's exactly what happened. If they are 100% at fault (which they would be if you are stopped and they hit you), the at fault insurance will pick up the entire tab, including rental. That IS how it works.

POST 18Original post

Quotes source post: 12918486

Normally I would agree. However, my across-the-street neighbor, who was talking on her cell phone, backed out of her driveway and backed right into the side of my Buick. She had Progressive, and they handled and paid for the repair. My insurance (not Progressive) wasn't involved. I know this isn't normal, but that's what happened to me with Progressive. On another note - good luck dealing with Progressive. They were a PITA with which to deal.

POST 19Original post

Quotes source posts: 12918486, 12918643, 12918681

It's OK to be cocky when you're sure you're right, but it can easily make you look foolish when you're not. I can promise you that I didn't imagine the multiple times "I" filed a claim with another person's insurance company. I prefer to leave my insurance company out of the situation if it's clear that the other person was at fault, like in this instance.

POST 20Original post

Quotes source post: 12918841

I'm gonna guess about $4500 for that. Ask me how I know... That's not quite right either. If you go through your insurance they are correct that you pay the deductible, but you get it back when they recover the money from the offender's insurance. In my last accident (mharrison could be quoting it!) Gieco (her's) actually called me to settle before I heard back from USAA. Pretty much the same as every other time I've been hit. Their insurance calls, gets my statement, then tells me they'll take care of it and I don't need to call mine. I know many people that deal with the other's insurance and have no issues. I also know of some horror stories so my policy is that if insurance companies are involved, I go through mine and you go through yours and then they can sort it out. Basically I pay USAA to do a job and recovering damages in a case like this is part of that service. In that last accident Gieco never made a peep even though the shop submitted the info to both companies at every step. About a month after it was done they finally balked at $4500. Given that they never bothered to send out their own inspector USAA made them suck it up and pay the bill. That would have sucked up a bunch of my time and royally pissed me off if I had to deal with it.

POST 21Original post

Quotes source post: 12918867

I'm surprised to hear that--I've had really good luck with Progressive. The easiest claim I've ever dealt with was about 15 years ago when one of their insured drivers hit my vehicle. I got an estimate from my preferred shop, dropped it at their office, and the guy printed me a check from his vehicle on the spot.

POST 22Original post

Any icy road to blame? Sent from my iPhone using Rennlistedtrtfytj

POST 23Original post

Does your neck hurt? It's been a couple of days since impact.

POST 24Original post

Lol at the crow eating about to happen here. BTW guys... different states have different laws about insurance claims.. i.e. a "no fault state"... best to call your agent and find out for sure.

POST 25Original post

Quotes source post: 12918486

That's how it works here in PA. I was rear ended twice in the last five years. Both times the at fault party's insurance handled the entire claim and there were no problems at all. My insurance was never contacted. The other driver's insurance paid for the repair and my rental car.

POST 26Original post

Just be glad you weren't hit by a state/fed employee. That's the worst of the worst when it comes to claims. My daughter was hit on a state univ campus by a state empl driver, in a state registered truck. Her car was not in motion. It took more than a year to complete the claim. And - when it was finally settled, they owed more in loss of use than they did in repairs. Horrible people to deal with. I'm not a vindictive person generally, but after 4 months I just gave it to a atty and said; 'make it hurt'.

POST 28Original post

That sucks. Sorry to hear that bit glad you are not hurt. The damage seems to be limited to the rear bumper cover and potentially the left cat.

POST 29Original post

Progressive should be legit. And yes, get diminished value for when you sell it - these cars are mostly bought used by enthusiasts who will care about that - even if repaired - you are likely to have to discount below market to sell. Make sure shop takes lots of pics of damage, including under bumper , and repair, and keep docs to help you sell later ...

POST 30Original post

Quotes source post: 12918681

I was rear ended a couple of years ago- never got my insurance involved at all. The other driver was clearly at fault, got a police report and the body shop took care of the billing etc. Very easy process. Maybe California is easier in this way than the state you are from?

POST 31Original post

Sorry to hear! That almost happened to me once was a guy in an SUV thinking I was going to catch an amber light. I saw it happening in my rear view mirror, never seen someone so scared in my life he literally turned white! Luckily he didn't hit me... I'm sure you'll get it all sorted

POST 32Original post

It all depends on companies and local regulations. Up in the province I am in, it's governed by "No Fault" insurance protocol, my sister was hit by another car last year, she contacted her insurance company, who sent her to a preferred shop nearby, she picked up the repaired car without having to pay any deductible, her insurance company dealt with the other person's insurance company for the full compensation.

POST 33Original post

It should now be clear to all rennlist readers that auto insurance claims processes vary from state to state. Not surprising given that most (all?) states have their own state insurance regulatory agencies. Geez. relinuca

POST 34Original post

MI is a no fault state, in no fault states you never deal with other people's insurance. But by others interpretation you could have basic insurance with no collision, but if it's someone else fault then they would pay for your car to be fixed? This concept in and of itself has to be the dumbest thing I've ever heard of. In that case I would never carry collision on my cars, as I've never been at fault in an accident so why pay for the extra coverage?

POST 35Original post

I've never died, that's why I don't have life insurance.

POST 36Original post

FlatSix - You win the internet today: "Does your neck hurt? It's been a couple of days since impact."

POST 37Original post

Quotes source post: 12919854

Talk about the dumbest thing I've ever heard! What you have said there is that people should not be responsible for the damage that they cause. Now it is clear that you do not know the subject matter you are talking about. Liability (and also Property Damage) is what is used to cover the damages to the other person's vehicle/property/person when you are at fault . Collision is what is used to cover your car's damage which your insurance will then go after the other party for if you are not at fault. Most (all?) states require a minimum amount of Liability coverage or can self insure for the minimum amount.

POST 38Original post

I should come back here often for entertainment

POST 39Original post

Just had a great experience with State Farm after my car got a little scrape on the front bumper. I got to use an auto body shop I was familiar with. They paid for a rental car and I never dealt with my insurance company. That included 2 follow up calls making sure everything was going ok. I thought it was great customer service and they took advantage of the possibility of getting my business in the future.

POST 40Original post

Quotes source post: 12919868

Hope it stays that way and you never need it!

POST 41Original post

Quotes source post: 12919854

You must be really young. I have never caused an accident but I have full coverage (which obviously includes collision) on all my cars. Why? Because if I'm driving along and hit a patch of ice and total my car I don't want to pay $50,000 out of pocket. If another person is driving my car and they have an accident I don't want to pay to fix the car. If my tire blows out and I hit a guard rail I don't want to pay to fix the car. I have a perfect driving record so my insurance on three cars (Porsche, BMW, Kia) with two drivers full coverage, roadside, rental, full tort (a PA thing) for an entire year is $1,200 bucks. Not bad.

POST 42Original post

Quotes source post: 12920002

Awww... That might be the nicest thing anyone ever said to me.

POST 44Original post

Quotes source post: 12920110

Like any insurer is dumb enough to take that bet at a cost that DTM could afford (and still have need of said insurance)

POST 45 / ORIGINAL POSTEROriginal post

After speaking with the Progressive adjuster, it seems that the driver was not the owner of the car and was not on the policy which, according to the adjuster, "doesn't necessarily mean it won't be covered". So, it is definitely getting more interesting. She also commented that she is having trouble getting the driver to return her calls. I may end up filing a claim on my insurance anyway.

POST 46Original post

It doesn't matter if it was vehicle owner driving at the time or not. Car insurance follows the car — not the driver. So if you lend your car to a friend or a visiting relative, you could be liable if an accident occurs.

POST 47Original post

Quotes source post: 12920157

Uh. Sorry man. So she gave you someone else's insurance info? Even driving someone else's car she should have provided her own info... From Progressive's stand point (unless she is also covered by them) I would think that would indeed mean that they won't be covering it unless you decide to go after the owner of the vehicle. That's why I go through mine. Let them deal with it and skip the drama I remember the days where you could get in a minor accident like this, exchange info, and take car of it like reasonable people "off the books". Now it seems everyone has a story and excuse as to why they are taking advantage of your good nature if you try to let them settle it outside the insurance.

POST 48Original post

Quotes source post: 12920200

Sorta, but it's murky. Your insurance covers you when driving any car you are legally allowed to drive (though there are typically exclusions for commercial vehicles or vehicles that are regularly driven for work where you need additional coverage). So if I borrow your car and hit someone, it would be my insurance that pays both you and the person I hit. If the car can be identified but the driver can not be, that's when the insurance on the car would be liable for the coverage (and they would probably have a long hard talk with the owner if they are refusing to divulge who was driving). Additionally, even if my insurance covered the damages for me hitting someone else with your car, the other party could still come after you as the owner for additional damages and that is another case where your insurance would come into play.

POST 49Original post

Yeah...I agree with letting the insurance company deal with that. haha

POST 50Original post

Quotes source post: 12919854

Not true. NY is a No Fault state. My car has been hit twice while parked. ( I was lucky enough to see it) In both cases I dealt directly with the other guy's insurance company. In a case where you are in the running car while the accident happens, your insurance company will probably be involved. If you are found to be without fault (like this case) your insurance company will go after the other guy to reimburse you for the deductible. These kind of things vary from state to state, so you can't make a blanket statement.

POST 51Original post

Quotes source post: 12919854

Maybe you need to avoid the sweeping generalizations, since you continue to be wrongity wrong wrong. "While most states allow you to claim medical expenses and lost wages, some no-fault states still require any property damage claims to be pursued directly against the negligent driver, and not your own insurance company."

POST 52Original post

Quotes source post: 12920157

Ohh, this definitely ups the drayma quotient. Sounds like the driver doesn't have insurance. The vehicle owner's policy would generally(but not exclusively) cover the claim, and then subrogate to the owner's policy as an at fault accident. If the driver is not returning phone calls, they don't have coverage and the car's insurer will not be happy about that. Each state is different with 'blue' states often being much worse about subrogation because the uninsured driver has little or no assets(like a car they had to borrow). No reason for the damaged party to worry, the car had insurance on it, and the owner is prolly facing increase premium because they let their dirtbag friend borrow the car.

POST 53Original post

It is painfully obvious that I have no idea what I'm talking about concerning other states and how their auto insurance works...but in MI, you never deal with the other people insurance company, and PL/PD never pays to fix other people's car unless it was legally parked at the time, read it for yourself http://michigan.gov/documents/cis_of...02_25083_7.pdf

POST 54Original post

Yes, that's good. Specific information, complete with sauce material.

POST 56Original post

Quotes source post: 12920451

Para 2 of the link: If you have an auto accident , no-fault insurance pays for your medical expenses, wage loss benefits, replacement services, and the damage you do to other people’s property. It does not matter who caused the accident. Maybe stop now? edit; I don't see where it says you don't deal with the other parties insurance. Anyway, the OP is not in MI so it's all good.

POST 57Original post

Quotes source post: 12920502

Agreed it has nothing to do with the OP, but you should re read #2 under property damage...it does not pay for vehicles...the only except to this rule in MI if the vehicle was legally parked at the time. This is a hard pill for people to sallow, I deal with this very issue in MI on a weekly basis

POST 59Original post

Quotes source post: 12920460

Wow. You must be having a serious run of bad luck :-)

POST 60Original post

Make sure you get the damage inspected by a professional familiar with the 996. Rear end collisions on the 996 can look minor but looks can be deceiving. I have a 996 C4S that was totaled by the insurance company with damage that looked similar to yours. The collision damage bent the sport exhaust pipes down, tweaked the alignment of the rear frame rail, chipped the rear reflector and cracked one tail light. Once the price of all the factory replacement parts and labour was calculated it was totaled. The car ended up being purchased from the insurance company and repaired. The only part that ended up being replaced was the tail light. The accident was over 10 years ago and the C4S is still running strong. Although, the resale value took a hit.

POST 61Original post

mharrison Since the other party is not currently cooperating I guess it would be time to get your insurance company involved to handle the dirty work. Otherwise I would handle it through their insurance company. My GF got hit by another car and it was clearly their fault, so I called my insurance company and they told me no reason to get them involved unless we had to. Anyway long story short the other person's insurance handled everything with mine never getting involved. -Jason

POST 62Original post

As a autobody Painter for the past 20 years, no matter what happens just be careful which bodyshop you take your car to in order for it to get repaired properly. Check customer reviews online do whatever you have to do to find the best body shop to take it to.

POST 63Original post

Wow, on the 3rd page already. Nothing like a stimulating insurance discussion to make for a lively evening.

POST 64Original post

In this situation with an undisclosed driver their policy reverts to the state minimum limits. In CA that limit is $5,000 property damage. That's how many companies, like progressives, policies read. Companies like Farmers or State Farm don't do that. The liability limit is the same for any driver. Every state is different but most are this way. Your best bet is to let your own company handle it and they will subrogate against Progressive. When Flo tells you to name your own price for insurance you can bet they're not going to be adequately insured.

POST 65Original post

Quotes source post: 12922484

How about page 5......

POST 66Original post

Quotes source post: 12918643

You are at least partially wrong If you are in an accident and the other driver is at fault, you have 3 choices... File a claim with the at fault drivers insurance company. Actually you are making a claim with the other driver, just that they have an insurance company that is taking care of the loss. OR you can make a claim with your company and have them deal with it. OR Get a lawyer and have them deal with it all , especially if you sustained ANY injuries. Since you were rear ended, it is highly likely you have some neck or back injuries. You can get everything taken care of without getting your insurance company involved If its a No-Fault state, I have no clue and I have never lived in one of those Definitely get checked out by a doctor. Even if you think you don't have any injuries, you can have them. I was rear ended ( not in the Porsche) while stopped at a traffic light. The other car was going maybe 10-15 tops and my wife and I both sustained neck and back injuries. It took about 6 weeks of physical therapy to get back to normal or so

POST 67 / ORIGINAL POSTEROriginal post

I, both insurance companies, and the police all know who the other driver was. The police report includes Name, Address, DL#, Date of Birth, etc. I have no idea what the problem with getting her statement is. She is a late teen, single mother who was probably driving another relative's car. She rolled her SUV late last year.

POST 68Original post

Quotes source post: 12918793

X2. If insurance pays there will be a Carfax report and the value of your car may be effected. You should deal with and be compensated for that now, if possible.

POST 69 / ORIGINAL POSTEROriginal post

How does diminished value work if the car already had an accident claim on record? The previous owner had a claim for two wheels that were damaged by a pothole.

POST 70Original post

Here's what I did, and would do again. Take the car to a certified auto appraiser. They will start with a baseline value for an undamaged car for sale called 'comps'(comparable), and then derive a market price for the same car, but after damage and repairs are disclosed. Of course, on a 1998 Kia the difference in value will be about $26, thus negating the cost of the appraisal, so there's no real reason. However, with a high end car like a Porsche, most/many buyers will discount a damaged car significantly in the market, thus causing you long term financial damage due to someone else's negligence. The pro auto appraisal in TX runs about $125-200 depending on the car. YMMV, objects in mirror, pro driver closed course, and may cause **** leakage.

POST 71Original post

Quotes source posts: 12923345, 12923408

That's not hard and fast. Ours has had 5 insurance claims on it but only 3 show up. My old Escape had 4 and none showed up. The Cayenne's claim doesn't show up either. It's much easier if it had a clean record, but you can still do it. Basically you have to be able to show that it's value has been diminished and by how much. So you'd need get a set of valuations done where they quote what the value would have been without the accident and what it is now.

POST 72Original post

I can't imagine damage to wheels from a pothole would damage the value of the car once different wheels were installed (except for museum piece all original unicorns).

POST 73Original post

I know this doesn't add much, if anything, to the conversation, but "No Fault" only pertains to vehicle damage. If there are any injuries, No Fault is no longer involved.

POST 74 / ORIGINAL POSTEROriginal post

Quotes source post: 12923671

I wouldn't expect that to damage the value either. I threw that in there as Carfax shows an accident claim. So, it wasn't a "perfect" Carfax to start with. I'm not sure how that factors in with a diminished value claim.

POST 75Original post

I am dealing with progressive claims from an accident that occurred a few months ago .Their insured was at fault ,DUI,totaled my vehicle.The property damage portion was difficult because the adjuster was not honest with me .I am now dealing with the personal injury portion ,different adjuster ,so far not to bad.You should follow every conversation up with a letter outlining the conversation.Before retaining an attorney find out what the at fault drivers limits are.I have to file a underinsured policy claim against my own insurer .The medical costs are huge.In my case I would be paying out of pocket for med bills only if I retained an atty.The guy that hit me goes to trial soon for DUI causing injury,failure to reduce speed .Depending on the insurers offer I have the option to file for punitive damages as well.If there is doubt on fault you might need an atty .

POST 76Original post

Quotes source post: 12924480

The at fault drivers coverage limits aren't disclosed until those limits have been exhausted. If you have Medical Payments on your own policy that'll pay medical costs with or without attorney representation. Often attorney are in cahoots with docs who will wait to get paid when settlement comes in. Sounds like you'll be suing your own insurer or settling with them on uninsured/underinsured. If you settle make sure you get enough punitive damages. I don't believe mharrison was injured so he just needs to hope there's enough property damage on at fault's policy.

POST 77 / ORIGINAL POSTEROriginal post

The person working the case for Progressive has not been great at communicating with me. Some email questions just go unanswered. Late yesterday I sent this to the Claims adjuster, specialist, whatever she is: "Ms. Rodriguez, Is there any chance you've received a statement from the driver today? I need to get this process moving. I am quickly approaching the point where I will need to make other arrangements." Surprisingly enough, after sort of insinuating that there may be a lawsuit, I received a call within 30 minutes from the Adjuster to whom my claim had been escalated . He told me who he was and then stated, "Let me assure you that we are going to be fixing your car." He said they did indeed still need to get a statement from the driver, but in the meantime would go ahead and have someone from Progressive come do a damage appraisal on my vehicle. (Which is something I asked Ms. Rodriguez if we could do on Monday!) At any rate, it seems as though I am finally making some progress with Progressive. (Pun intended!)

POST 78 / ORIGINAL POSTEROriginal post

Have any of you gone through a diminished value claim process? If so, did you use a DV company? Which one? What was the experience like?

POST 79Original post

I don't know what a DV company is. I told you what I did with an appraiser. You should be compensated for damage repair, loss of use, and diminished value. After the Progressive claims guy comes out and writes up the repair estimate ask him about diminished value and he'll say something like 'we already accounted for that in this estimate'. Don't accept it. Take the car to Porsche dealer and if they don't have a body shop they have a few referral places. Take it to those, and get your own repair est then have it appraised, and submit all that to them.

POST 80Original post

try this, from our brethren in the 991 forum https://rennlist.com/forums/991/9128...hed-value.html

POST 81Original post

Diminished value works differently in different states. In mine (Colorado) you can file a DV claim ONLY if you are filing the claim directly through the other (at-fault) insurance company. If you elect to have YOUR insurance company pay your loss (i.e. repair) and have them go after the other driver's insurance to recoup the payout then a DV claim is NOT allowed. Weird, huh?. Once you start the process one way or the other you are stuck with it, and nobody goes out of their way to explain the DV caveat to you. Yes it's weird but that's how it is here. Do not let the other insurance adjuster tell you what the law is, find out or verify for yourself. My main point is be careful what you read in this thread, the law works different in different states. Do not assume that what is correct in Colorado for example is correct where you are. Also, be careful about the DV claim in that you may end up getting the car declared a total loss. This may or may not be desirable to you. DV in Colorado at least is handled by a number of different companies, all of which use an appraiser, YOU have to hire them and pay them upfront, then they write a report. Most of them understand high end and "exotic" cars and that the buyers (like us) are way pickier than the buyers of a Camry for example. Your bumper damage would cause a number of buyers to walk away no matter what (right or wrong) which lowers the pool of buyers etc. A dealer will ALWAYS use a damage claim against you if you were to trade it in. Do a google search and read reviews and talk to some of them or ask for references that you can call. The car and the personal injury claim are two different things. In December of '14 we were rear ended by an F150 doing 45-50 while in our 8month old Outback while stopped at a light. The F150 ended up looking worse than our car, so take that! The other insurance company somehow wrote us a check for well over the replacement value of a brand new equivalent within a month. My bodyshop tore the car apart until they found over $22000 worth of damage which was enough to get it over their threshold to total it (It was a 3.6R so the sticker was around $34k). Me mentioning DV every time I spoke to the other insurer probably helped as well. The personal injury part of the claim is still ongoing (limit for a claim is 2 years), my knee is still having issues related to the crash that makes it difficult for me to drive the 911 at times. We are just collecting bills for now and will file something in the next few months. Make it clear that any check you get for the car does not mean that you are done potentially filing a PI claim, sometimes it takes weeks or months for things to manifest themselves.

POST 82Original post

Quotes source post: 12918379

Don't forget to demand dimished value after the repairs are complete.

POST 83 / ORIGINAL POSTEROriginal post

I just got off the phone with the Progressive claims adjuster. He is authorizing the body shop to proceed with repairs and issuing them a check. They haven't priced the damaged exhaust components from Fabspeed Motorsports yet, but we are in the $4800 neighborhood at the moment. It's going to the Porsche dealer today to find out where exactly the exhaust leak is. The body shop guy thinks the header may be cracked.

POST 84Original post

Glad to hear you are making some progress. Hope that the fix fits your expectations and timeline. GL

POST 85 / ORIGINAL POSTEROriginal post

So now we've added a bent header. Dealer says motor mounts are good, head is good, exhaust studs in the head are good. But, I don't think Fabspeed makes my exhaust any longer. So, we'll likely be looking at two Fabspeed Carrera Sport Headers. I can't imagine the will try to replace one header only with a different header. If so, I'll fight that. I've also got a bent muffler and bent tip. I don't think they make them any longer either. Do you think the mufflers need to be replaced as a pair? So, now I have a few concerns. First - I LOVED the way it sounded and have been told the newer Fabspeed exhaust is a bit quieter. I hope I like it. Second - Polished chrome tips or polished black tips? I've always liked my chrome tips, but I have ZERO chrome anywhere else. My wheels are black too. Polished Chrome: Black Chrome:

POST 86Original post

wtf? Also, could you please post the accident report, photos, witness statements, both insurance policies in full, and a drawn to scale sketch so that we may give more worthless crap advice? Careful, they are about to total your 996.

POST 87Original post

I vote for polished black tips. Are those tips from Fabspeed?

POST 88Original post

Quotes source post: 12944384

Not worthless crap advice, I already admitted being clueless on other states insurance and how it works, however in Michigan your car is covered by your insurance, and your insurance only, no ifs, ands or buts about it. In an accident, unless it was legally parked at the time, you have to make the claim through your insurance company. So in turn can you go back to fingering your butthole?

POST 89Original post

Quotes source post: 12926008

This is a must. Use my spreadsheet of national values if you need with your lawyer. When my buddy got rear ended in his 2008 Cayman S Black Edition, I was able to prove that a single accident would mean a $8K Cash drop in resale.

POST 90Original post

Quotes source post: 12944004

If one goes they all go. Have them replace everything. Its sold as a completely matching set now and was then. Replace it all.

POST 91 / ORIGINAL POSTEROriginal post

Quotes source post: 12944720

Yes, those are both Fabspeed.

POST 92 / ORIGINAL POSTEROriginal post

Quotes source posts: 12944384, 12945087

I anticipate this being around the $10k area not including a diminished value claim. I'm not anticipating seeing that kind of devaluation with a 2001 996. It's not starting quite as high as a 2008 Cayman S. As such, I'm not sure a lawyer would be worth the money in the end. The DV company I've contacted says they can't really do anything until we have total repair costs.

POST 93Original post

Quotes source post: 12945762

Ouch. KK is right, they are going to total it at that point Some times you can fight such a response and win. If you can't win that fight then go after them for the actual value to replace it which will differ significantly from what they offer. Make it perfectly clear how their lowball offer will only put you in a basic 996 where you will then have to perform the IMSB replacement ($2.5-4k), add the Aerokit (quote them the new parts cost) + paint/labor to install, your mufflers, and anything else that you have done to make that your car. Any upgrades wouldn't fly with your insurance unless you added them to your policy, but as it was her fault the other insurance has to make you whole one way or another (e.g. fixing it or paying for an comparable replacement). You'll probably need a lawyer if it comes down to that though and you may need/want to take the driver to court to collect anything you can't get insurance to cover

POST 94Original post

Quotes source post: 12945761

Hello mharrison, I am very sorry to hear about the misfortune of your accident! If there is anything we can do to assist your dealer with the exhaust replacement please let us know!

POST 95Original post

Quite scary how getting rear ended can easily total a rear engine car.

POST 96Original post

Quotes source post: 12921636

When I checked into replacing the factory PSE on my C4S I was surprised to discover just the exhaust parts were over $6,000. The costs add up really quick.

POST 97Original post

Quotes source post: 12949362

The joys of a low value high priced car Just the bumper skin is $2200 which alone is a 10th (or more) of the value of a MkI.

POST 98 / ORIGINAL POSTEROriginal post

I just got the word that they've approved a full replacement of the Fabspeed equipment. Porsche 996 Carrera Maxflo Performance Exhaust System and Porsche 996 Carrera Sport Headers installed by the local Porsche dealer.

POST 100Original post

Ouch that sucks How is emissions control down there? Maybe time to go cat-less and pocket the insurance money Have they made any noises about totaling it yet?

POST 101Original post

Maybe I missed it earlier. Where you able to get approval on the fabspeed exhaust because the oem exhuast is significantly more or something?

POST 102 / ORIGINAL POSTEROriginal post

Quotes source posts: 12998468, 12998507

No emissions testing in Mississippi. No mention of totaling it from Progressive. Nope. It was a Fabspeed system that they bent up when they hit me.

POST 103Original post

BTW, how was the other driver's make-up kit? :^)

POST 104 / ORIGINAL POSTEROriginal post

So, 2 months to the day after the accident, I got my car back. It was really a comedy of errors. I waited for Progressive to decide if they were going to pay, waited for Porsche dealer to get to the exhaust repairs, waited for parts to be manufactured, Porsche dealer didn't check the cats and they had to be ordered after the rest of the exhaust came in, Porsche dealer or body shop lost original parts that should have gone back on, ordered those and waited for them to come in, body shop let it sit for a few days before picking up from Porsche, on and on. Anyway, I have it back and the work is top notch. It looks perfect. It looks better than before I was in the accident. My headers were of some unknown, unmarked brand and were replaced with Fabspeed headers. It used to sound like a race car and now it sounds like an aggressive sports car. I don't know if that is due to the cats, mufflers, or headers, but I miss it. It still sounds great, just different.

POST 105Original post

Congrats on getting it back. The only "smooth"/"as promised" body shop experience I have had is by a "professional" shop my insurance recommended while I was having a tiff with my normal guy. It was "done" in a week as promised, but they had screwed it up royally in a few ways which turned into a circus to get it fixed right. The good shops always seem to be basket cases and disorganized, but they are the ones that do top notch work at the end of the day. The wait is worth it in my book.

POST 106 / ORIGINAL POSTEROriginal post

Quotes source post: 13095993

I've had a few different cars in the body shop over the years, and I'd have to say that your experience mirrors mine. I used the shop my insurance recommended...once. I refused the vehicle (Chevy Blazer) 3 times. The first time I drove up and saw a shiny white fender that was a different brighter white than the rest of the vehicle. I noticed this from 40 feet away before I got out of my car! I eventually accepted the vehicle after they made 3 attempts to repair it correctly. I've never been happy with the work. So, let me take this opportunity to advise anyone in East Mississippi not to use Gray-Daniels Chevrolet's body shop.

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