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Old 02-13-2015, 12:53 PM
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Last night i got rear-ended. Would love to hear opinions

So last night, i was rear-ended at a fairly high speed by a driver in a wrangler. The collision forced the front end of the wrangler under my rear bumper and picked up my Overland and put it up onto the cement median. Luckily and thankfully, everyone was fine.

First, i just wanted to make a quick statement about how impressed I was with how well my Jeep absorbed the damage. Even with the speed of the impact, I wasn't injured or even jarred to badly. Thank you modern engineering.

My need for advice is more along the lines of what i should do with the insurance. When i left the scene of the accident last night, i felt fairly certain it was going to be totaled. I have yet to find out from at fault driver's insurance company wether or not they will total loss it. Let's assume that it will NOT be. My main concern right now is having it repaired back to OEM spec. Should i request that the repairs be done at a dealership service center? I had a similar issue happen with my fiance's volkswagon where she was involved in an accident and her insurance company did the repairs through shop that use mostly aftermarket parts which are now beginning to cause issues with the vehicle. I don't want this headache with my Overland. I want my car back to the car i owned with all its bells and whistles working as they were before the accident. I feel like that will be best done by a Jeep service center, would it not? I live in Philadelphia, so if any of you know the best dealership or another repair shop you would recommend, i am all ears.

The second part is- Is this going to severely depreciate the value of my vehicle? My goal was to have this vehicle for it's lifetime but honestly i have been looking more and more into perhaps just getting into a lease. At what point do i decide that the value of my Overland will drop below the point at which i could trade it in for either another Jeep for purchase, OR to buy into a lease program. I realize this is long-winded but i would really appreciate anyone's opinion or experience with this matter.

Thank you!

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Old 02-13-2015, 12:59 PM
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Re: Last night i got rear-ended. Would love to hear opinions

Wow. Sorry. Hitch receiver probably helped minimize damage.
Get a copy of police report. My insurance agent was able to do that for me. OEM parts often depends on wording in your policy and age of your vehicle. If policy does not state it then press the carrier for OEM if vehicle is fairly new. That worked for me! Good luck.
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Old 02-13-2015, 01:02 PM
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Re: Last night i got rear-ended. Would love to hear opinions

Contact your insurance agency and ask them to help you out (if they are any good, they will fight for you so that you don't lose out).

#1 - judging a vehicle as 'totaled' depends on the cost to repair versus the current value. If it's close you can argue to have it totaled.

#2 - If it is not totaled, then make sure to get an additional payout from the other insurance company to cover "loss of value". This is a known issue in the insurance industry that covers your loss later when you decide to sell or trade in the vehicle and it has a lower value because it had been in an accident.

#3 - If totaled, make sure you get a fair value for the vehicle. When I totaled my Ford Five Hundred, I made sure to get the highest 'blue book' value because it was in perfect shape (not even door dings). The adjuster visited the tow yard and agreed that regardless of the accident damage the vehicle was in excellent shape. The difference can be thousands of dollars.

And even more of a reason to keep your car vacuumed and washed as much as possible.

EDIT - OEM parts? YES! A lot of insurance companies like to try to screw you on that point, but they don't have a leg to stand on. With today's vehicles a sub-standard body panel in a repair can be the difference between walking away from a future accident or being taken away in a body bag. You have the RIGHT to demand OEM parts for the repairs and they have to pay for it.
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Old 02-13-2015, 02:13 PM
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Re: Last night i got rear-ended. Would love to hear opinions

Thank you both for the insight. I wasn't even aware of the "loss of value" part so that is incredibly helpful to me.

If the Jeep is a total loss, i'm a little concerned with getting hosed.
Quick info on my situation:

2011 JGC Overland (5.7 V8)
55k miles when purchased
Purchased from dealer as a CPO December 2013
Currently at 70k miles, still pristine condition
Still owe approximately 15k on loan

-I am currently debating what i will do in the scenario that the vehicle is determined to be a total loss. Hope that the determined value of the vehicle is enough to cover my outstanding loan+ enough left over to use as a down payment for another Jeep or get into a lease for a new one.

I have never had a lease before so i feel clueless. Although, the idea of putting myself into a new 2015 and staying in a brand new car every few years does sound pretty nice.
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Old 02-13-2015, 02:36 PM
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Re: Last night i got rear-ended. Would love to hear opinions

I could tell you I got hit from behind in my 2011 Laredo last year and suffered $19,000 of damage (I believe the sticker was around $38,000) and they wouldn't total it. And it was 2 years old at the time. I got hit from the back and then pushed into the car infront of me at a red light.

I don't think you can just say you want it totalled. You can certainly try (I did), but it's gonna come down to the numbers.

Used parts unfortunately might be used, since technically your car had 'used' parts in it, but it's gonna depend on the insurance company and if you could find a repair shop that would do that job with new OEM parts for similar cost.

My Jeep was leased and it was ending in a year so I wasn't too concerned about value loss since all I had to do was turn it in and now I have a 2014 Limited (also leased)

Sorry to hear about this and good luck!
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Old 02-13-2015, 04:11 PM
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Re: Last night i got rear-ended. Would love to hear opinions

My insurance company, Progressive, provides a "concierge service" and handles everything, even when the other party's insurance is on the hook to pay for it. (what state or other jurisdiction you live in will affect how insurance works for you, however) They do minor stuff in-house and have contracts with dealer collision/body operations for when major repairs are indicated.

I did have a major accident...similar to yours, albeit I was in the middle of the "sandwich"...back in 2007 with my previous vehicle, a 2006 Toyota Highlander Hybrid Limited. $27K damage and it was repaired to like-new since there was no damage that inflicted any lateral bend or twist. Progressive took care of everything and when the at-fault party's insurance paid, I got my deductible back. OEM parts were used exclusively.

Now, when it came time to sell/trade, yes, the accident was listed on the Carfax and the Jeep dealer tried really, really hard to majorly low-ball my trade because of it. (the car still looked brand-new inside and out, especially after a quality detailing) I didn't stand for that and got back a few thousand higher on the trade by standing my ground. (And they turned around and still put it on the lot for $5000 more than my trade number...such stinkers! Their cost was a set of tires. It was already detailed. Sheesh...) The moral to the story is yes, a major accident "can" affect value later. But not necessarily in a huge way if you work to minimize the impact.
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Old 02-13-2015, 04:45 PM
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Re: Last night i got rear-ended. Would love to hear opinions

If the accident is ever bad enough to think of the word "totaled" the car will never be the same. Regardless if it is actually totaled.

Check out the courses of action below. I have arranged them from most desirable to least desirable outcomes.

1. Talk to your insurance company, if totaled, you are good to go.

2. If you cannot get it totaled, see if they will buy it from you before (preferred) or after it is fixed (then they can go after the other person for loss of value.)

3. If the insurance company doesn't want to do this, make sure that you see how to sell it / obtain loss of value ASAP. You need to sell it before an appreciable amount of time / depreciation sets in.

If you don't sell it ASAP, you will be kicking yourself in about a year.
Figure out the steps needed and execute.
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Old 02-13-2015, 08:42 PM
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Re: Last night i got rear-ended. Would love to hear opinions

Quote:
Originally Posted by t1n0m3n View Post
If the accident is ever bad enough to think of the word "totaled" the car will never be the same. Regardless if it is actually totaled..

Unfortunately I would have to agree. My 2011 as I mentioned above wasn't totaled but had $19000 in damage was never the same. The engine light kept coming in and the transmission would do funky things. I brought it back 3 times and they couldn't get it to stop. And mine was fixed by an authorized jeep repair shop that used oem parts. Luckily it was leased and going back in less than a year.


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Old 02-13-2015, 08:44 PM
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Re: Last night i got rear-ended. Would love to hear opinions

carfax report will severely diminish value, I got hit with this trading my last car when all that was done was a replacement door after a neighbor backed into it.

Would you buy a car that had been in an accident?
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Old 02-13-2015, 09:30 PM
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Re: Last night i got rear-ended. Would love to hear opinions

Quote:
Originally Posted by adragland View Post
So last night, i was rear-ended at a fairly high speed by a driver in a wrangler. The collision forced the front end of the wrangler under my rear bumper and picked up my Overland and put it up onto the cement median. Luckily and thankfully, everyone was fine.

First, i just wanted to make a quick statement about how impressed I was with how well my Jeep absorbed the damage. Even with the speed of the impact, I wasn't injured or even jarred to badly. Thank you modern engineering.

My need for advice is more along the lines of what i should do with the insurance. When i left the scene of the accident last night, i felt fairly certain it was going to be totaled. I have yet to find out from at fault driver's insurance company wether or not they will total loss it. Let's assume that it will NOT be. My main concern right now is having it repaired back to OEM spec. Should i request that the repairs be done at a dealership service center? I had a similar issue happen with my fiance's volkswagon where she was involved in an accident and her insurance company did the repairs through shop that use mostly aftermarket parts which are now beginning to cause issues with the vehicle. I don't want this headache with my Overland. I want my car back to the car i owned with all its bells and whistles working as they were before the accident. I feel like that will be best done by a Jeep service center, would it not? I live in Philadelphia, so if any of you know the best dealership or another repair shop you would recommend, i am all ears.


The second part is- Is this going to severely depreciate the value of my vehicle? My goal was to have this vehicle for it's lifetime but honestly i have been looking more and more into perhaps just getting into a lease. At what point do i decide that the value of my Overland will drop below the point at which i could trade it in for either another Jeep for purchase, OR to buy into a lease program. I realize this is long-winded but i would really appreciate anyone's opinion or experience with this matter.

Thank you!
I would take it to a dealer. It depends on your policy and your state laws as far as OEM parts. I can tell you a few years ago my I let a relative use my Jeep Commander and they got in an accident. I had it towed to a local collision shop and the insurance company came out. I needed 10k in repairs and they called for most of the parts to be aftermarket. The only parts they would buy OEM were the safety stuff like airbags or a few things they could not get aftermarket. They did what the policy stated. A couple things here an insurance company is always going to do what the policy states so you can argue all you want with them but in the end its going to be as the policy states. Another thing is you can take it where you want for repair. I read this stuff about oh my insurance company told me to take it here or their. Thats the shops they push but you can take it where you want to. One other thing I learned from my experience a few years ago was that sometimes a dealer can get you the OEM parts if the price is close. I ended having the vehicle towed to the dealer because the shop it was at could not figure out a few of the electrical problems with the air bags after the repairs were made. In talking to the body shop manager at the dealer about the aftermarket parts issue he told me if I would have brought it there to begin with alot of times since they are a dealer doing a big repair like that they can match prices and use OEM parts. I currently have enhanced collision coverage on my jeep that covers OEM parts anyway. So live and learn but if your policy says aftermarket parts although they don't use that term they call them equal quality parts or some nonsense like that then thats what it is no matter how much you scream and yell.
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Old 02-14-2015, 01:49 PM
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Speaking from a bodyshop pointt of view as I own one .. ask for a copy of the insurance estimate . b4 choosing bodyshop ask as much questions as you can think of, visit the shop look at there equipement and make sure they have all the correct tools for getting the frame realign. Ask what brand of paint, primers and clears they will be using. Also if they will be using use parts make sure its used OEM PARTS (they fit better)

plz feel free to message me for any question
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Old 02-14-2015, 02:41 PM
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Re: Last night i got rear-ended. Would love to hear opinions

I was rear ended last month and the at fault insurance company (State Farm) fixed my car and I am also working on a diminish value claim on my car too. If your car is not totaled file a DV claim!
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