my evo was t-boned and is not fixable. the front and rear end and drivers side are untouched. The passemger side is crushed into the cabin. What are my options since I did nor have collision insurance. The motor is fine and I just paid for a 2000$ clutch job along with a 1000$ ams tbe.

opinions/options welcome.

 

your **** out of luck.

 

well first off ill buy your ix tails if you want to sell them
pm me and let me know

 

If you were t-boned, then I would assume it was his fault. If so, then his insurance should pay for everything. If it was your fault or no-fault, then that's what you get for having sub-standard insurance on such a valuable car.

 

If there's not insurance to cover it, I guess trying to sell it whole as a partout vehicle, or part it out youself would probably be the course of action. Sorry that happened man!

Like Warr said, if it's the other person's fault then they're on the hook, though.

 

For the record, if you can't afford proper insurance on an Evo, you shouldn't have an Evo, and you certainly shouldn't be purchasing $1000 exhausts...

If this all falls on you, part it out. The motor and trans are worth a lot, then the mods are worth a bit as well as all the components, but it may take quite a while to sell it all.

Also, isn't collision insurance mandatory to even register the car? I thought only comprehensive (other-than-collision) was optional. Everyone has to have collision if they drive the car on the road, because otherwise if you hit someone, then they are getting hit by an "uninsured motorist." Are you sure you don't have collision insurance? I thought that was illegal.

 

Give me your front bumper.

 

Nope. In fact I'd say more often than not it's the fault of the person who was t-boned. I'm not saying that was the case here, but people in my area routinely run through red and yellow lights and are just asking for it. I t-boned a guy who thought a four way intersection had four stop signs and there were only two. I was driving through the intersection and he leaped out in front me. He got out of his car all bent out of shape ( no pun intended) until I pointed out that he had a stop sign and I didn't. He was lucky it was me because a lot of people these days throw in a personal injury claim. Something I wouldn't do.

 

VA won't even let you drive off the lot without proof of insurance...

 

Bodily injury insurance is generally the only mandatory form of insurance, and even that isn't mandatory in every state. Typically a lending institution will require collision coverage to protect their collateral, but if you own a car outright, or have lax lending requirements due to stellar credit history, then it is very possible to not have collision coverage.

That being said, this is a life lesson for not having full coverage on a 30k car.

 

This doesn't sound right.
But if you are parting I call dib on the IX turbo :}

 

If its not your fault the other partys ins should cover you. You should be aight, in theory. Right?

 

I know this is going a little off topic, but:

"The state of Virginia has a financial responsibility law, VA motor vehicle code 46.2-706, that requires all Virginia registered motor vehicle owners to have auto liability insurance or enough money to pay for any losses that may result from an automobile accident.

The minimum liability coverage is 25/50/20. This stands for bodily injury/death of one person $25,000, bodily injury/death of two or more persons $50,000 and property damage $20,000."

so it's bodily injury and property damage to 20k in VA.

 

+1

 

Hmm, I've definitely never heard of bodily injury insurance being the only required coverage. Everywhere I've lived, the absolute MINIMUM was liability. It doesn't matter if you own the car outright, because this has to do with covering the OTHER person's car (or cars) who you hit. On top of that, though, yes if you have a loan then the lender usually also requires it for your own car's coverage.

I wasn't even allowed to keep a license plate on my car (meaning not even registered) when I went overseas and the car was not going to move one inch unless I maintained liability insurance...