squee111

Hi All

So some idiot in a truck slammed into my car while it was parked in a car port! The car is in bits, it was a hit and run, and now my insurance probably wont cover it. Any ideas on what to do with the car? Any one know of a good junk yard in Arizona that will pay for it? Any idea how much I could get?

Any advise would be really appreciated.

RIWWP

iTrader: (2)

Why won't they cover it? You said 'probably', which means you haven't tried. So that means you either don't have insurance or don't understand how it works.
If the 1st, you are screwed, and might get $1k for it selling, maybe $2k parting it out.
If the 2nd, go file a report!

Easy_E1

iTrader: (2)

Did you file a police report? Did you call your insurance company?
The comprehensive policy of your car insurance should cover it.

slvrstreak

iTrader: (3)

I don't know what to tell you about the car/insurance except sorry to hear about it but, I will say that you may want to change the title to "Advice" before you get flammed for a spelling error. Some people are ruthless.

squee111

I have insurance, but only liability. I have filed a claim, but don't expect it to be covered. It was a hit and run so no chance of the other driver coming forward with their insurance info. The cops said that it is very unlikely that they will find the driver.

pistonhater

Exactly.

As others stated above, I don't see why insurance won't cover it...unless of course you don't have the enough coverage in your policy.

Is your car paid off? Many people immediately drop full coverage from their insurance policy soon after paying off the car loan.

If you only have liability, then that's bad news unfortunately.

Also, how did that happen?!?! The driver of the other vehicle must have been really drunk to slam into your car under one of those "covered" parking spots in apartment buildings.

9krpmrx8

iTrader: (46)

$1,000.00? I would think he could get $3,000.00 easy selling it as is unless it has a ton of miles. Depending on the unseen damage on the right side it looks repairable but it will cost a few grand easy to fix.

pistonhater

I just read your reply.

If you have liability only, then you are in trouble unfortunately.

Why did you have liability only!!!!!!!!!!!

The car looked in great shape.

slvrstreak

iTrader: (3)

much cheaper

slvrstreak

iTrader: (3)

doubt it
looks like that pole may have bent the frame

Easy_E1

iTrader: (2)

Liability only. Oh dear. Your not going to get any help from your insurance company.
Very sorry.

9krpmrx8

iTrader: (46)

You are the second person in a month to have a wreck and only have liability coverage. It's a hard lesson learned but who buys a sports car and only gets liability coverage. Murphy's law is a bitch. If you cannot afford full coverage I doubt you will be able to pay to fix the damage.

RIWWP

iTrader: (2)

Possible, but the impact force from the other side to do that probably limits quite a bit of what someone would pay. I'd bet on frame damage on both sides of the car

squee111

The car is fully paid for. I had to change my coverage policy to liability in order to try and save money. Guess that turned out to be a bad idea. There doesn't seem to be any damage to the engine or front of the car.

How it happened...I had the car under the port and I was checking my oil levels. A women in pick up truck came around the corner and slammed right into me. Luckily I jumped back from the curb as I was standing in front of the car with my feet between the bumper and the curb. She then floored it and scrapped along the back of my car only to hit another car parked a few spots down. The driver then sped off down the road. I only got a partial on the plate. Cops said the partial was no good.

9krpmrx8

iTrader: (46)

I dunno, I don't see any buckling in the rear quarter or roof. I have sent a couple of RX-8's to my buddies shop and I have seen worse fixed but either way it's going to be expensive.

pistonhater

Certainly much cheaper!!

Many people drop full coverage immediately after paying the car loan off. I think that's good ONLY in some circumstances.

Of course, it depends on the value of the car at the time - which coincidently is a gamble when it comes to the RX-8.

But unless that car had a trizillion miles, from the pic it looked like it should have been insured a little higher.

RIWWP

iTrader: (2)

Mine has been paid off for almost 2 years, still full coverage, $0 deductible on comprehensive, $300 on collision, $87 a month.

Liability only is NOT worth it.

slvrstreak

iTrader: (3)

good thing you didnt get hurt then
no cameras around?

squee111

The car only had 75k on the clock. Great condition...it was driven with great care.

9krpmrx8

iTrader: (46)

Same here, I have comp, collision, $250 deductibal, increased limits to 50/100k, medical payments, rental, etc. and I pay $115 a month with USAA. But if he is under 25, then I can see it being a huge savings. But it's not really a savings to him now. Sucks.

Digger1911

Check this company out..
http://www.copart.com/c2/how_to_sell_your_car.html

What part of AZ are you in? Someone had to have heard something, I'd start
knocking on doors. File a police report asap.

squee111

It happened in Tempe. Called the cops just after it happened. No one in the area seems to know who owns the truck. We don't think the driver lives here.

pistonhater

wow, that's very scary. You could have been seriously hurt! Hope you are ok.

Sorry to hear about the situation, and about the insurance situation. Since liability won't cover anything, I would try to fix the car if funds allow. If not, I'm sure you can sell it as a whole or part it out easily.

In the future; I would consider keeping the insurance coverage unless the car is absolutely worthless (way too many miles, lots of damages/blemishes to begin with, etc.) Any money you saved by dropping the insurance coverage will be gone now trying to repair the car, or trying to get a new one

9krpmrx8

iTrader: (46)

Calling the cops won't do you any good, I doubt the lady had insurance if she ran.

squee111

It happened in Tempe. Called the cops just after it happened. No one in the area seems to know who owns the truck. We don't think the driver lives here.