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
Thanks for replies.
Bit of an update, I spoke with the accident management company who were very interested in helping me up to the point where I explained I did not want to take a brand new top of the range 4 series as a courtesy car, If they had offered me something better than the Gt4 tbh I would maybe have had an interest , however once I refused the car they lost all interest in helping me so I think as suggested they are only out to supply hire cars at inflated rates .
So rather than go through my own insurance I have contacted the drivers insurance again , who had still heard nothing, I then contacted the firm who the guy worked for, they were very helpful and within an hour had returned the claim form to the insurers and he has admitted liability and said I can proceed , they have told me to get a quote at my preferred bodyshop and they will authorise the repair . So the car will be going into Porsche today to get assessed .
Not wanting to sound like a claim chaser but through no fault of my own I am ending up with a car that is going to be repaired and have to have the bumper painted and paintwork is my pet hate, I spent a lot of money to avoid this ever happening getting PPF fitted to the car so it would never have to get stone chips painted , the car is CWM and I have read it is a pig to match the colour ,So Is it possible to claim any compensation for this? I may end up parting with the car depending on how I feel once I get the car back which is not at all what I planned .
Also so far I have lost 2 days at work and today will likely be running around getting the car dropped off at Porsche which is half a day time i get there and back , I spent 8 hours in A&E waiting around to be checked out ( my passenger has 8 hours strapped to a spinal board as had recent Spinal surgery to the upper part of the neck and was/still is in a lot of pain so had to get that X-ray"d in case anything had moved ) the Dr advised both of us are fine and it will just be soft tissue damage which should clear in the next week or so, I must say top of my neck into my shoulders this morning is extremely sore making sitting at a desk working pretty much unbearable , I understand that you can claim whiplash is straight forward to claim but Its an unknown if either of us have any future issues especially with my passenger and previous surgery history and if anything in the future relates to the accident.
In all , not what I had planned for this week.
Bit of an update, I spoke with the accident management company who were very interested in helping me up to the point where I explained I did not want to take a brand new top of the range 4 series as a courtesy car, If they had offered me something better than the Gt4 tbh I would maybe have had an interest , however once I refused the car they lost all interest in helping me so I think as suggested they are only out to supply hire cars at inflated rates .
So rather than go through my own insurance I have contacted the drivers insurance again , who had still heard nothing, I then contacted the firm who the guy worked for, they were very helpful and within an hour had returned the claim form to the insurers and he has admitted liability and said I can proceed , they have told me to get a quote at my preferred bodyshop and they will authorise the repair . So the car will be going into Porsche today to get assessed .
Not wanting to sound like a claim chaser but through no fault of my own I am ending up with a car that is going to be repaired and have to have the bumper painted and paintwork is my pet hate, I spent a lot of money to avoid this ever happening getting PPF fitted to the car so it would never have to get stone chips painted , the car is CWM and I have read it is a pig to match the colour ,So Is it possible to claim any compensation for this? I may end up parting with the car depending on how I feel once I get the car back which is not at all what I planned .
Also so far I have lost 2 days at work and today will likely be running around getting the car dropped off at Porsche which is half a day time i get there and back , I spent 8 hours in A&E waiting around to be checked out ( my passenger has 8 hours strapped to a spinal board as had recent Spinal surgery to the upper part of the neck and was/still is in a lot of pain so had to get that X-ray"d in case anything had moved ) the Dr advised both of us are fine and it will just be soft tissue damage which should clear in the next week or so, I must say top of my neck into my shoulders this morning is extremely sore making sitting at a desk working pretty much unbearable , I understand that you can claim whiplash is straight forward to claim but Its an unknown if either of us have any future issues especially with my passenger and previous surgery history and if anything in the future relates to the accident.
In all , not what I had planned for this week.
Edited by Mrscuk on Wednesday 25th May 08:40
xjay1337 said:
No offense but it certainly sounds like a bit of claim chaser. You certainly don't listen to advice.
You will get no compensation for any difficulty in getting the colour match. Trust the bodyshop to do a decent job. I'm sure they will be fine if it's an authorised Porsche Paint Center.
If you want to sell the car because of a damaged bumper, that makes absolutely no sense to me . If the car was smashed up more severely, and had a creased rear 3/4 panel which needed repairing, then I could see why - but for a bumper, which by your own admission, has not appeared to damage anything else on the car, seems a bit of an over-reaction
With regards to your whiplash, I was once in a Vauxhall Corsa (passenger I might add, I wouldn't drive one..!!) and we got rear ended by some silly bint mid way around a small roundabout. We were doing about 20-30 and she was doing at least 60.
https://www.google.co.uk/maps/@51.3586643,-0.97103...
We were basically where the white van is, heading from Basingstoke to Reading on the A33. This woman had been tailgating us pretty badly so we sped up about 1000yards before the roundabout only for her to ram us when we slowed down - and we ended up facing the wrong direction 50ft up the road. Her car ended up stuck down a ditch in a tree. Over £9000 of damage to my friends Corsa VXR.
I had whiplash despite doing loads of neck exercises that night before the pain started to try and free the muscles. I went to my GP on the Day 2 (if Day 0 was accident) due to the pain. (obviously knowing what it was).
The pain was bad but that wasn't the issue, for me the medication provided completely zonked me out causing me nausea and drowsiness, and I ended up having to leave my car at work and get my Mum to give me a lift back to my house.
Obviously touch wood no serious injuries for you, or your passenger, but I seem to have completely recovered, but I could not think why you would need 8 hours in A+E for a smaller accident in a safer, heavier car, unless you are trying to push for a large claim, or there is severe back issues in that persons past (obviously I do not know I am just thinking out loud!)
Of course we are hoping for good recoveries all around.
For what it's worth, I had 2 days off work, however I was fully paid for these 2 days by my employer, I also had a 40 mile (20+20) mile drive to a private doctor for "insurance approved" inspection. in addition I would find driving at night (when our accident happened) traumatising and headlights in my mirrors would cause me to panic in some situations. (these symptoms have now passed).
I received just under £2k.
I have always joked "oh, yeah I hope I get ran into the back of, get a bit of whiplash and claim a bit of money, it'll be alright mate init!" as an "easy" way of getting a bit of extra cash but the whole situation, the accident, the post-accident mental issues and the physical discomfort (more by way of the medication than the actual pain) is not worth any amount of money in my book.
Also please report the accident to your insurers.
Sorry you have no idea who I am or know anything about me and I do take offence at that so please just crawl back under your rock and do me the courtesy of not responding to anything on this thread , its people like yourself that stop people like me responding to threads on Ph. You will get no compensation for any difficulty in getting the colour match. Trust the bodyshop to do a decent job. I'm sure they will be fine if it's an authorised Porsche Paint Center.
If you want to sell the car because of a damaged bumper, that makes absolutely no sense to me . If the car was smashed up more severely, and had a creased rear 3/4 panel which needed repairing, then I could see why - but for a bumper, which by your own admission, has not appeared to damage anything else on the car, seems a bit of an over-reaction
With regards to your whiplash, I was once in a Vauxhall Corsa (passenger I might add, I wouldn't drive one..!!) and we got rear ended by some silly bint mid way around a small roundabout. We were doing about 20-30 and she was doing at least 60.
https://www.google.co.uk/maps/@51.3586643,-0.97103...
We were basically where the white van is, heading from Basingstoke to Reading on the A33. This woman had been tailgating us pretty badly so we sped up about 1000yards before the roundabout only for her to ram us when we slowed down - and we ended up facing the wrong direction 50ft up the road. Her car ended up stuck down a ditch in a tree. Over £9000 of damage to my friends Corsa VXR.
I had whiplash despite doing loads of neck exercises that night before the pain started to try and free the muscles. I went to my GP on the Day 2 (if Day 0 was accident) due to the pain. (obviously knowing what it was).
The pain was bad but that wasn't the issue, for me the medication provided completely zonked me out causing me nausea and drowsiness, and I ended up having to leave my car at work and get my Mum to give me a lift back to my house.
Obviously touch wood no serious injuries for you, or your passenger, but I seem to have completely recovered, but I could not think why you would need 8 hours in A+E for a smaller accident in a safer, heavier car, unless you are trying to push for a large claim, or there is severe back issues in that persons past (obviously I do not know I am just thinking out loud!)
Of course we are hoping for good recoveries all around.
For what it's worth, I had 2 days off work, however I was fully paid for these 2 days by my employer, I also had a 40 mile (20+20) mile drive to a private doctor for "insurance approved" inspection. in addition I would find driving at night (when our accident happened) traumatising and headlights in my mirrors would cause me to panic in some situations. (these symptoms have now passed).
I received just under £2k.
I have always joked "oh, yeah I hope I get ran into the back of, get a bit of whiplash and claim a bit of money, it'll be alright mate init!" as an "easy" way of getting a bit of extra cash but the whole situation, the accident, the post-accident mental issues and the physical discomfort (more by way of the medication than the actual pain) is not worth any amount of money in my book.
Also please report the accident to your insurers.
I will do you the justice of an explanation . The reason why we ended up 8 hours in Hospital was due to waiting over 4 hours for an Ambulance to take my poor passenger to another hospital so could have an xray carried out as the hospital we went to did not do neck X-rays , My passenger who was beside herself and in a lot of pain and with good reason after just recovering from over 2 years of Spinal injuries and major operations all just over 3 months ago from getting the all clear to be suddenly back to square one screaming in pain. it was midnight when we got home from 3 in the afternoon, the NHS is so short staffed it is beyond a joke and having her strapped to a spinal board for so long certainly has not done any favours.
Why would I want to sell a car that I have had an accident in ? given the choice I would never have bought a car that had been previously damaged or even painted for that matter, Now I do not have that luxury, I have never had a new car in my life, always scrimped and saved and done without , its far and beyond more money than I have ever spent other than properties and this was not a purchase that I made easily and this has just taken the edge off it, It is going to a Porsche approved Bodyshop and I have made it quite clear that I want the car back to the condition it was 4 days ago, I am sure that I feel different once I am back driving again.
just to add had I done the damage myself I would have a very different take on things .
xjay1337 said:
Struck a nerve?
nope just had enough of idiots this week.From experience arguing with them only fetches you down to their level , having to deal with the one texting /tweeting facetubing or whatever and driving and slamming into the back of me is enough for one week.
as you seem to ignore my request for you to not comment here are the facts .
The Porsche Bodyshop had the management company contact me ,I did not contact them , since then I have had 3 others contact me, I suspect this will continue, I wont be using any management company, the only interest they have is getting you a car that much has become pretty clear they are not going to speed up the process of my repair.
I have informed my insurers that I have been involved in an accident, I never said that I had not , a wrong assumption by yourself .
I have chased up the other guys employers to speed things along as their insurance company were waiting on his version of events and admission of guilt ,I spoke with the MD and he could not be more apologetic and has gone the extra mile to push things through even chasing up the insurance company himself and sending me all the details / claim numbers and direct number of the girll dealing with it, the result is my car has been collected and is currently getting assessed at the bodyshop and the drivers insurer are on standby to authorise the repair and will pick up the bill, there is no need for my insurance to foot the bill.
I have declined a courtesy car, I do not need one.
management companies , Like anything in life everyone are out for a piece of someone else and to extort as much money as possible so I concluded if you want something doing just do it yourself.
oh and I have read the advice given, I would not have asked otherwise and I genuinely appreciate the fact people take time to respond and even respond to me via personal messages giving me advice, this is the best of PH , no one knows me but go out their way to be helpful.
The worst of Ph which I see all the time (long time lurker) and from your earlier response I see you in this light just seem to want to see the worst in people and get argumentative, as I said you really know nothing about me but I would like to offer a little bit of advice I was given many years ago , if you have nothing nice or constructive to say its often better to say nothing.
as before, please move on your contribution is not welcomed by me.
I chased up the other parties insurance today and managed to get them to get the repair authorised within 30 mins of them getting the estimate so all parts have been ordered and looking to get the car back in just over a week .
I also see now why the Insurance company want to be informed if you have an accident, despite me taking it to Porsche they still gave me the hard sale on using their repairer , they also tried hard to convince me that I should have a like for like Courtesy car , either a Cayman or Mercedes E class from Enterprise which I guess they get an introduction fee from and advised me to uses their appointed legal team to for claiming personal injuries, I explained that I was only reporting the accident to comply with the terms of my insurance and I didn't actually need their help but they have still logged the claim and appointed their engineer I have had their approved repairer on the phone wanting to collect the car . I can only assume that all insurers want to shaft each other so it is just a case of money getting passed around.
They did say as I wasn't liable the accident would have no impact on next years premium but only time will tell on that one.
I also see now why the Insurance company want to be informed if you have an accident, despite me taking it to Porsche they still gave me the hard sale on using their repairer , they also tried hard to convince me that I should have a like for like Courtesy car , either a Cayman or Mercedes E class from Enterprise which I guess they get an introduction fee from and advised me to uses their appointed legal team to for claiming personal injuries, I explained that I was only reporting the accident to comply with the terms of my insurance and I didn't actually need their help but they have still logged the claim and appointed their engineer I have had their approved repairer on the phone wanting to collect the car . I can only assume that all insurers want to shaft each other so it is just a case of money getting passed around.
They did say as I wasn't liable the accident would have no impact on next years premium but only time will tell on that one.
I disagree on the first part but you are likely correct and I am due to no compensation but I would argue that isn't exactly fair
regarding your assessment of me , I have been on Ph since the start and registered to ask advice 5 years ago, I read the forums daily, unlike your pal the keyboard-king above I do not post a lot , so when I do it is for advice, on this occasion I asked for advice on what to do in a situation and everyone else on this thread did exactly that, then he jumps in and in the opening line has a go, calling me an ambulance chaser and saying I do not listen to advice, from there on I had no interest in anything else he had to say.
this has not been a good week for me at the start of this week I had never been happier coming back from a day out in an almost new immaculate car that I am very passionate about driving .
Then Bang some retard texting on his phone drives into me.
I now have a damaged car which has absolutely gutted me, yes as the poster above pointed out its " only " a damaged bumper but rightly or wrongly to me its more , maybe my circumstances are different to some on here but put yourself in my shoes and ask if you would you would feel the same after driving around in run of the mill cars all your life then you finally spend pretty much all of your life savings that you have worked bloody hard for over the last 40 years and treat yourself to car to enjoy as an early retirement present, then through no fault of your own have it damaged , I felt sick and have questioned all week if its actually worth having a car like this of this value, I was so cautious prior to the accident worrying about where I parked it , after the accident I could not even bring myself to look at it . Since the accident I have had thick end of a day in hospital , spent hours on the phone sorting things out, yes the insurance or accident management team could have done this but I wanted to ensure that I get the best repair possible , Should I be compensated for any of the above ? like has been said more than likely not . After speaking to the bodyshop I have no doubt that it will come back looking as new and I am sure once I am back behind the wheel it will reignite my passion for the car and I can get on enjoying the car .
regarding your assessment of me , I have been on Ph since the start and registered to ask advice 5 years ago, I read the forums daily, unlike your pal the keyboard-king above I do not post a lot , so when I do it is for advice, on this occasion I asked for advice on what to do in a situation and everyone else on this thread did exactly that, then he jumps in and in the opening line has a go, calling me an ambulance chaser and saying I do not listen to advice, from there on I had no interest in anything else he had to say.
this has not been a good week for me at the start of this week I had never been happier coming back from a day out in an almost new immaculate car that I am very passionate about driving .
Then Bang some retard texting on his phone drives into me.
I now have a damaged car which has absolutely gutted me, yes as the poster above pointed out its " only " a damaged bumper but rightly or wrongly to me its more , maybe my circumstances are different to some on here but put yourself in my shoes and ask if you would you would feel the same after driving around in run of the mill cars all your life then you finally spend pretty much all of your life savings that you have worked bloody hard for over the last 40 years and treat yourself to car to enjoy as an early retirement present, then through no fault of your own have it damaged , I felt sick and have questioned all week if its actually worth having a car like this of this value, I was so cautious prior to the accident worrying about where I parked it , after the accident I could not even bring myself to look at it . Since the accident I have had thick end of a day in hospital , spent hours on the phone sorting things out, yes the insurance or accident management team could have done this but I wanted to ensure that I get the best repair possible , Should I be compensated for any of the above ? like has been said more than likely not . After speaking to the bodyshop I have no doubt that it will come back looking as new and I am sure once I am back behind the wheel it will reignite my passion for the car and I can get on enjoying the car .
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