Forum > General Pinto Talk

Crash at the automotive shop

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TIGGER:
Wow that sucks to say the least.  I have some bobcat stuff in case you need something.  I do not have a grille but I have some front trim and headlight buckets etc.  Just letting you know in case you find some of that stuff needs replaced.

good luck to you sir.

Dtmix:
After doing the work on my Pinto, that is my biggest fear...someone would redesign my car with theirs...sigh.  I am so sorry for your loss, and have faith to bring it back from the ashes!  I know it is not a Pontiac Phoenix...but it'll rise!  :-)

I concur with others as for their opinion that the insured lady who careened and struck your Bobcat.  Her insurer would typical do a subrogation against the other driver, but since he had no insurance, they are left holding the bag.  The garage would not be held liable, and they may make a claim against her insurer, as her car struck the building.

I hope you are insured by a specialty classic car insurance like Hagerty or others, as they are "car guys" who would do whatever they can to get it repaired, even if it goes over a set agreed amount, with you paying the difference. They also have part locator services at no charge.

If you are with the typical insurer like Allstate, State Farm, they will simply say it's totaled and demand for your title....keep the title away from them as they will brand it salvage when your car is easily repaired (at least from the pictures). They will say parts are not available...wh ich is partly true...laws forbids insurers from using used parts, limiting them to aftermarket or OEM parts which will make it "unavailable."  That's sad in many cases as I see simple damage being written off when it's repairable. I checked online, and there are parts for your car.  It is hard to see the fenders, but the paint does not appear cracked and could possibly be straightened, and replacing the hood, trim piece and grille. Let me know if you need help to locate parts for you.

It's about 45 days away for the Pinto Stampede...so I hope to see you there!  :-)

Happy Motoring!

Dan

dga57:

--- Quote from: Dtmix on May 29, 2021, 10:58:56 AM ---
If you are with the typical insurer like Allstate, State Farm, they will simply say it's totaled and demand for your title....keep the title away from them as they will brand it salvage when your car is easily repaired (at least from the pictures). They will say parts are not available...wh ich is partly true...laws forbids insurers from using used parts, limiting them to aftermarket or OEM parts which will make it "unavailable."  That's sad in many cases as I see simple damage being written off when it's repairable.   

--- End quote ---

Can't speak to the products of other insurance companies, but State Farm (at least in Virginia) offers classic car policies with "agreed value" much like Hagerty.  It helps protect your investment, but it severely limits allowable mileage.  My '72 Squire's usage falls within the mileage restrictions and it is registered/licensed as an antique (not necessary so far as State Farm is concerned) so it seemed the logical course.  An "in-person" assessment of the car and photos taken by the insurance broker are part of the process. 

Dwayne :)

Dtmix:
Yes, Dwayne is correct to mention that some insurers have policies written on an agreed upon value like his. I was referencing to the typical auto policies in my post, as many are unaware of classic car policies. As for his policy, I am not sure what happens if it exceeds the agreed upon value...can he pay the difference and keep the car without having to surrender the title? Maybe Dwayne knows...you will have to ask him.

Every insurerís classic car policies differ, so itís important to compare. Hagerty, which covers mine, have no mileage limits but they do expect you to have another car as your daily driver...you are not required to insure your primary driver with them. Other companies may require your presence with the car for coverage...so if you stop at a diner and leave the car unattended, you are not covered. Some requires the car to be within a certain radius of your home address, making it problematic if you drive to Hershey or Carlisle. Just think of how you plan to use the car, and use that as your baseline when comparing insurance policies. If you never go to shows or take it out of your neighborhood, focus on limited mileage policies, while others may take their classics on vacation, parking at hotels out of sight, your policy should reflect coverage for such. Some policies will also cover parts that you purchased but is not yet installed while others do not.

There is a publication on comparing classic car insurance...I think it was Hemmings , but I am not sure. I will try to locate the article and come back to post it.

Fingers crossed for your Bobcat!

Happy Motoring!
Dan

dga57:

--- Quote from: Dtmix on June 02, 2021, 03:31:46 PM ---As for his policy, I am not sure what happens if it exceeds the agreed upon value...can he pay the difference and keep the car without having to surrender the title? Maybe Dwayne knows...you will have to ask him.



--- End quote ---
Excellent question, Dan!  I honestly don't remember all the policy's details... it's been insured there since the day I bought it... about eight years ago.  The thing that appealed to me about it was the lack of a requirement for it to be garaged.  I don't have a garage, nor room to build one, and my wife refuses to move.  I utillized the garage space at my mother's house for years and had planned to move into it at some point.  In my mind, it was perfect; free house (inheritance), handicap accessible (for my wife or any other future needs), two-car attached garage and plenty of room to add an additional three-car garage attached by a breeezeway.  The paved driveway was designed in such a way that it wouldn't have had to be altered in order to accommodate that.  While I was planning all that, I failed to mention it to my wife and when I did she stated flatly that she did NOT want to live there; this is her home and she has no intention of leaving it until they carry her out feet first!  It's a shame because it would be so much better location for us, but she was the child of two Salvation Army Officers who moved frequently.  She had moved more than twenty times when I met her.  Once we bought our home 24 years ago, she put down roots and intends to live out the remainder of her life right here, despite the house not being very well suited (split foyer design) to us since her stroke and subsequent incapacitation . Okay... I get it.  So, my solution was to sell all my collectible cars and get over it.  That included a couple of Lincolns, a Rolls-Royce, and one Pinto.  The two Pintos I own now were purchased since I sold that property.  I could rent garage space I suppose, but then they'd probably never get driven!  Que Serra Serra!

Dwayne ::)

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