Lol I go through the VA but they never pay the bill I'm 100% service connected have a $4000 hospital bill that was directly related to my TBI I got they never payed brought my credit way down so I'm not gonna hold my breath

 

It's not really a personal medical plan. It is coverage for injuries sustained in a motor vehicle accident whether you are the driver or as a passenger in someone else's car. It's called PIP (Personal Injury Protection). New Jersey (and others) are No Fault states...i.e. regardless of fault, your own auto insurance pays your medical bills and is both mandatory and primary. It's somewhat similar in a sense to Workers Compensation insurance that covers medical expenses if you are injured on the job.

 

Good thing you have a dash cam. That cop should charge the other person for that. I wouldn't take that lightly. that could have severly affected your insurance rate if you were charged, not to mention the fines you could have faced.

 

Saw my car with the quarter cut out will have pics soon had to have 2 new tires witch insurance only covers half the cost thinking court is not a bad idea bills keep piling up

 

Why are they only covering 1/2 the cost of the tires??

 

Because they are 50% worn

 

Insurance is a racket all the way around. They find any reason to wriggle out of paying the full amount as witnessed by your "worn" tires. Ive had a couple run ins over the years with various things. Also if your into modifying the car at all make sure you discuss it with your agent. My policy is excellent i have a fiberglass hood and other things on my car that under a standard policy are not covered and can actually void insurance if not reported. I had an issue with that on a previous vehicle now its documented with pics and receipts anytime a new part is added and i have it in writing that it is covered as is from the insurance company (good CYA tip) I wouldn't be to worried about diminished value either as long as the car is structurally sound its a very minor hit on the value. My ranger had 4k in damage after i hit a deer and at the time was worth only 6k i was borderline totaled at that point luckily nothing major internally was damaged so they paid the claim. I got a whopping $9.14 diminished value check and they did not even report it. When I sold it none of the VIN checks reported the wreck I disclosed myself to the buyer since GA law requires it but didn't affect sale price. Also when it comes back be sure to check all functions such as windows full range of motion and panel gaps. Thats where most of your troubles with repairs come in. Ford left off a couple rubber trim caps which caused some rattles and door fitment issues. Make sure you test drive it and look it over real good before signing off on the work. If the body shop is worth their salt you should never know to look at or drive it that it has been wrecked. Don't give up hope on the car because of the damage if you like it keep it. Hope everything works out for you.

 

First off, sorry about your troubles. Hate seeing this. Always sucks when these cars get hit in rear quarter panel area, thats such an extensive repair as it makes up an integral component of the unibody. I personally would no longer want the car.

 

Actually, if you have to suffer an impact, the rear area is where you want the hit. Other than the rear suspension on this car, which is less sophisticated than the IRS, there's not a whole going on back there as opposed to the front.

Access is much easier and unibody repairs tend to be more straight forward to an impact behind the doors. Obviously this depends on the skills of the shop and severity of the damage. As long as I have confidence in the frame technician, my biggest concern would be that they restore the corrosion protection back to factory standards.

Damage to the front end when there is unibody misalignment is much more complicated to repair. All sorts of electronics, ABS, engine parts, and other sensitive components sometimes have to be removed for access. Often times some of these parts are damaged internally and not obvious until the vehicle is reassembled. Front suspension geometry is extremely critical and if the the unibody is not aligned properly, parts will wear out rapidly and prematurely.

I'd have far more concerns with a moderate to severe impact to the front than other areas which might suffer a similar impact severity.

 

All true.

However the expertise involved in fixing and perfecting the rear quarter panel on an s197 Mustang is a story of its own. Most people done realize that each rear quarter panel is basically the entire side of the car.

IMHO, total the car out if you can.

Or let the cutting and welding begin if you desire.

 

Insurance didn't total it only 12k worth of damage that's with 90hours labor

 

My guess was going to be 10k damage.

Do you have a choice to total it?

I mean whatever bro, see what you can do. Get it fixed and sell it, figure out the diminished value. Wouldnt hurt to consult with someone in your state who does insurance to see whats what.

 

Keep the car if you can. As long as the work is approved by your insurance company by their choice of bodyshop. any and all aspects of the repair is guaranteed for as long as you own the car.


That right there beats any guarantee/Warranty you'd get anywhere else, hands down.

 

Ugh

I'm torn on this one. If Marilyn and I went through an accident like that, would I even WANT to keep her at that point? Man, that's tough. I might have to try to go for total, even though I know that might be hard at any point. What else could I do? I mean, I'd have to pay the deductible to fix it, then afterwards try to sell it? Ugh... plus it'd show up on CarFax? I think it's a lose lose regardless. Sorry.

 

Rear quarter damage won't be too hard to fix, and any competent body shop can do the work and make it look new.

 

Just curious. Did this happen on Hwy 431 in Huntsville? While I was at work a GHIG mustang was involved in an accident. Kind of ironic as your color is not very common.

 

I probably wouldn't hesitate on keeping the car if it's one you really like and the job looks like it was done right. Your color is not common and it might be hard to find another one like it.

You can also look at it like this, how many classic cars have you seen have major body panel replacements and no one thinks twice about it. Granted these are not classic cars but you get the idea.

My 1970 Monte Carlo has had both quarter panels replaced as well as metal work done in both front fenders and they didn't even do that great of a job but I don't have a problem driving or keeping this car and this car is nothing special.

Wayne

 

Mongo1970 yes lol you wouldn't be the guy with the yellow saleen would you?

 

Looked on cars.com only 6 GHIG for sale

 

No. I work in the grocery store by the McDonald's. I have a 2011 gt that I don't drive very often. Live in Harvest. I felt your pain especially with the horn going off. LOL. That is a nasty intersection even after they spent months redoing it. IMO they need to close the entrance to the McDonald's. Accidents still happen at least every other week.