Gt4 rear ended , repair/self/ accident management co.
Discussion
Hi all.
Avid reader /lurker othese forums but rare poster.
was out in my recently purchased Gt4 yesterday and pulling up in traffic , the guy driving a works van sadly failed to spot my brake lights and drove into the back of my car , cut and dry in my eyes, I was stopped and he drove straight into me , high chance he was staring at his phone as he had it in his hand when I got out , low speed impact guessing around 15-20mph .
myself and passenger pretty shaken and resulted in both of us attending hospital to be checked out , we are both ok just general whiplash, my passenger is suffering a lot worse than me, although I am aching a fair bit today.
Anyway onto the car, it still drives fine, rear bumper has pretty much absorbed the impact and I cannot see any other damage, its obviously pushed a fair way in suspect the impact bar is doing this , rear panel / quarter panels and boot lid/spoiler are untouched as is exhaust and lower valance , so the repair looks very straight forward just bolt on parts. His van looked pretty bad although it was french so just seemed to fold !
I spoke with the chaps insurance who suggested they cannot advise me to do anything at this point and I should call back at the end of the week as have to wait until they get the insureds version of events and if all the criteria is ok with the driver ect , they would then advise the next step.
I have found a Porsche bodyshop and they have suggested using an accident management company that will take away any hassle and speed up the repair. This all sounds ideal as I could do without the agro of getting quotes and dealing with it all tbh .
I do not really require a courtesy car as at a push I can borrow one short term so my other thought was could I just drop the car at the bodyshop and pay myself and recover costs once its all sorted. As you can imagine my main concern is getting back out in the car again, however all this seems a lot of hassle for something that was no fault of my own but I really do not want to wait weeks nor do I want to drive around in the car looking as it does.
Having never been in this situation would welcome advice on the best way to proceed.
Thanks in advance.
regards scuk
Avid reader /lurker othese forums but rare poster.
was out in my recently purchased Gt4 yesterday and pulling up in traffic , the guy driving a works van sadly failed to spot my brake lights and drove into the back of my car , cut and dry in my eyes, I was stopped and he drove straight into me , high chance he was staring at his phone as he had it in his hand when I got out , low speed impact guessing around 15-20mph .
myself and passenger pretty shaken and resulted in both of us attending hospital to be checked out , we are both ok just general whiplash, my passenger is suffering a lot worse than me, although I am aching a fair bit today.
Anyway onto the car, it still drives fine, rear bumper has pretty much absorbed the impact and I cannot see any other damage, its obviously pushed a fair way in suspect the impact bar is doing this , rear panel / quarter panels and boot lid/spoiler are untouched as is exhaust and lower valance , so the repair looks very straight forward just bolt on parts. His van looked pretty bad although it was french so just seemed to fold !
I spoke with the chaps insurance who suggested they cannot advise me to do anything at this point and I should call back at the end of the week as have to wait until they get the insureds version of events and if all the criteria is ok with the driver ect , they would then advise the next step.
I have found a Porsche bodyshop and they have suggested using an accident management company that will take away any hassle and speed up the repair. This all sounds ideal as I could do without the agro of getting quotes and dealing with it all tbh .
I do not really require a courtesy car as at a push I can borrow one short term so my other thought was could I just drop the car at the bodyshop and pay myself and recover costs once its all sorted. As you can imagine my main concern is getting back out in the car again, however all this seems a lot of hassle for something that was no fault of my own but I really do not want to wait weeks nor do I want to drive around in the car looking as it does.
Having never been in this situation would welcome advice on the best way to proceed.
Thanks in advance.
regards scuk
Wait for their insurers to get back to you, tell them the body shop you want to use, drop the car there for them to quote/repair/deal directly with the insurance. Job done.
You'll give yourself more hassle paying up front and trying to claim it back. Take it easy and let things run their course.
You'll give yourself more hassle paying up front and trying to claim it back. Take it easy and let things run their course.
Def sort it through insurers. I spun a 964 ten or so years back ending up in an embankment at around 15 mph. It still drove so I carried on. The only visable damage was a cracked rear lens and a slightly bent tailpipe. Insurance repair was around 10k. Couldn't believe it. I'd hate to think the cost to a modern Porsche.
I had accident damage all sorted by the other person's insurer with very little hassle because it was clear that it was all their fault (my car was parked at the time and they reversed into it and admitted it). All I had to do was drive the car to the repairer, drive away in their courtesy car and then swap and collect a week later. Never had to get my insurer involved. HOWEVER this was on a daily driver that I was happy for them to use their own repairer for the work. A Cayman GT4 is a different case entirely so I would agree with those that say get your own insurer involved immediately.
diametric123 said:
BTW make sure you get a subrogation claim in that covers you on loss of value at resale - remember that any decent buyer (private or dealer) will get an inspection done that will show accident repair - you will get hit for the loss of value on this so need to be compensated for this
I have always wondered about this!How does it work?
Make sure you get a proper Porsche recommended body shop, as some places lie about it.
Check the list http://www.porsche.com/uk/accessoriesandservice/po...
Check the list http://www.porsche.com/uk/accessoriesandservice/po...
+ 1.
You may also be bound by the T&C's of your policy to notify your insurer. Does your policy allow you to use a bodyshop of your choosing?
Avoid the Accident management companies and Ambulance chasing solicitors that are based miles from you. If you need legal representation, go to a local solicitor from a quality practice who you can meet face to face.
You may also be bound by the T&C's of your policy to notify your insurer. Does your policy allow you to use a bodyshop of your choosing?
Avoid the Accident management companies and Ambulance chasing solicitors that are based miles from you. If you need legal representation, go to a local solicitor from a quality practice who you can meet face to face.
BlackGT3 said:
+ 1.
You may also be bound by the T&C's of your policy to notify your insurer. Does your policy allow you to use a bodyshop of your choosing?
Avoid the Accident management companies and Ambulance chasing solicitors that are based miles from you. If you need legal representation, go to a local solicitor from a quality practice who you can meet face to face.
the issue is every insurance has their own Accident management companies they deal with for a no fault claim, hence why I said claim direct off the 3rd party.You may also be bound by the T&C's of your policy to notify your insurer. Does your policy allow you to use a bodyshop of your choosing?
Avoid the Accident management companies and Ambulance chasing solicitors that are based miles from you. If you need legal representation, go to a local solicitor from a quality practice who you can meet face to face.
He does not want to claim off his hence no need to worry about what's in his policy about which body shop etc.
Even if your policy says that you must use their approved repairer it's wrong. You can stipulate which Bodyshop you want to do the repair. I did after a deer decided it needed to inspect the front wheel arch of my Cayenne. The insurer dragged their heels but it was fixed at a Porsche Approved Bodyshop. Don't get fobbed off by them.
Needless to say I'll not use that insurer ever again...
Needless to say I'll not use that insurer ever again...
Bad luck. No fault claims are a joke. It's taken me 5 years to shake off my last one - apparently, statistically, I was more likely to have an at fault claim because I had had a no fault claim. Rubbish.
The problem is there are NFCs like yours, other posters and mine (my car was parked while I was training a youth football team) and there are "slightly at fault no fault claims". These are incidents like driving through a car park looking for a space and not seeing someone reverse out, or driving along a road and someone pulls out from a side road in front of you. The insurance company argue you could have paid more attention and avoided the accident. Unfortunately, we're all lumped into one category, which, in my view should be two - genuine NFCs where you're nowhere near the car and the dubious ones.
An accident claim company won't touch you if you don't take a hire car. They want to loan you an equivalent car at the 3rd party's expense. Obviously they won't be able to find a GT4 but they will find a Cayman. Then you will have to underwrite the hire anyway, in case they can't actually claim off the 3rd party! It's such a scam. Avoid.
At some stage in the future, at renewal for example, your insurance company is going to ask you whether, in the last 5 years, you've had an accident regardless of fault.
I really do wish you the best of luck.
The problem is there are NFCs like yours, other posters and mine (my car was parked while I was training a youth football team) and there are "slightly at fault no fault claims". These are incidents like driving through a car park looking for a space and not seeing someone reverse out, or driving along a road and someone pulls out from a side road in front of you. The insurance company argue you could have paid more attention and avoided the accident. Unfortunately, we're all lumped into one category, which, in my view should be two - genuine NFCs where you're nowhere near the car and the dubious ones.
An accident claim company won't touch you if you don't take a hire car. They want to loan you an equivalent car at the 3rd party's expense. Obviously they won't be able to find a GT4 but they will find a Cayman. Then you will have to underwrite the hire anyway, in case they can't actually claim off the 3rd party! It's such a scam. Avoid.
At some stage in the future, at renewal for example, your insurance company is going to ask you whether, in the last 5 years, you've had an accident regardless of fault.
I really do wish you the best of luck.
ChrisW. said:
Do you need to report the accident to the Police ?
Only if someone (or a dog) is injured.You must notify your insurer of an incident or your policy could be invalidated when you next try to claim. Your policy WILL say this.
Having been rear-ended I claimed via my insurers. They appointed an "approved" body shop which was crap and the car later had to be resprayed again... and again.
Speak to your OPC and find out who their body shop is. Insist on this body shop. You don't have to go with the insurer's one.
Don't deal direct with the 3rd party insurer. It will take up your life and they'll hoodwink you with crap. You need your insurer to deal with them to cut through that crap. Someone on your side.
DJMC said:
You need your insurer to deal with them to cut through that crap. Someone on your side.
I find with a no fault claim they pass it on, you get lumbered with paying the excess 1st and if your insurance is due also a frozen NCBDealing direct is the only way imo and while it's takes a bit of effort, you pay NO excess, you choose your own repairer, the 3rd party will hire you a car, it's all quite straight forward (and they want to deal with you as they don't want to deal with the rip off no fault claims people) as long as they admit it's a claim on them and of course a witness statement helps 10 fold.
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