your insurance company is there to protect YOU, regardless of who is at fault. they have investigators and claims adjustors to go get police reports and collect pictures and info to discover who is at fault. if they determine the other driver is then THEY will pursue HIS company for damages and use that to repair YOUR car. like previously stated if YOU contact his company your call will be recorded and statements you make can be taken out of context and used against you later when HIS INSURANCE company contacts YOURS. the insurance companies are the experts let them handle it, that is why we pay them. i have been involved in several accidents and the first thing that is always explained to me is above. as far as civil law suits thats another matter entirely. you are entitled to compensation for injuries if any occurred. obtain documentation as to fault, and any other case info from your company talk to a lawyer and go from there. from the pictures did any airbags deploy? i'm glad to see you weren't injured, Evos aren't known for strong side impact protection. its sad to see another Evo damaged. Good luck going forward.

 

This is not right, insurance companies are there to protect themselves. It is in there best interest to collect as much money as possible and pay out as little as possible. Your job as the claimant is to protect yourself from all other parties both insurance companies and the body shop and the other driver. Look at it like this, you pay your insurance premium every six months or monthly however you do it. Say you pay $1000 for six months and you've had the current insurance for 2 years you've paid $4000 in if you make a claim that costs $10-12k you've simply become a liability to the insurance company. Additionally just because it was the other drivers fault does not mean your insurance company will be fully reimbursed by there insurance company. Also insurance companies pressure auto body shops to use the cheapest parts possible and argue about labor costs and time spent etc. You have to look out for your best interests here because you are the only one representing yourself. Don't be fooled!
Insurance companies don't generally sue each other they deal with each other all the time and they treat the other company better than any customer because no matter who's customer it is any payout ads to the standard that future payouts will be based on and it is in the best interest of all insurance companies to keep said standard lower to payout less money in the future. They will lookout for each other in that sense before they will lookout for you the customer.

 

No.

Shop is the one choose what parts to use it to save their money from the check. That is one way shop to makes money. Most shops labor costs are cheaper than a dealer, why insurance argue about labor cost? If it is dealer, why dealer would cut their labor to do the job?

 

I work in the industry the first thing i would do is to find out what his insurance is. If it is some no name or bad company i would go through yours. If you have any questions or anything send me a message and i can try to help you through it.

 

mine got hit just as bad a few years ago dont write on the police report how much damage there is they report to car fax. some insurance company dont (chubb and state farm) but most of them do. so just be careful. it looks like you are going to need all the suspension the strut should and spring is like 700 so use that money and put it toward a coil over kit. as long as the shop has a good name you dont have anything to worry about one thing to make sure of is that under your wearther strip on the body by the rear door is where all the spot welds are make sure they put all those back so it looks factory. other wise when you go to sell it some one like me would find that. but like i said if you need any help let me know i can try to help as much as i can. im at a shop up in the chicago area so its alittle bit far for me to fix it but i can help you get it repaired correctly. you can email me at my work email its matt@autowerksracing.com

 

also that is not correct some insurance companys use all new parts like chubb and pelican. state farm will use used parts but no aftermarket same with westbend. if they have all state or farmers or progressive they will try to do it as cheap as possible but like i said if you go to a good shop that knows how to fix a car the wright way then you have nothing to worry about. but just tell the shop what you want and that you wont settle for shiity aftermarket cheap parts. i have used them on one car at the shop im at and the insurance company paid me twice to do the job because they would not give me new or used parts. like if you want to email me the estimate ill take a look and see what they are doing and what needs to be changed or what you should be concerned about.

 

kind of pissed off . My insurance will only pay for salvaged and non oem parts. is there any way to fight this?

 

That's BS. They insured the car as a factory unit, they better replace it as a factory unit. Sounds like they're trying to cheap out because of the expense surrounding factory pieces, which is what our retarded high premiums pay for in the first place. If the car's not close enough to getting totaled that they need to go that route, their job is to protect YOUR investment, NOT their assets. It doesn't even make sense because it's only out of pocket for them until they go after the other dude's insurance to get it back. Sounds shady now that I've written that.

By the way, does your insurance know that you can't even GET non factory panels for the door and rear quarter? Let alone any of the suspension components?

 

Most likely they are obligated to use not new but refurbished parts from salvage cars. The justification for this this is that the parts on your car are now used since the car is six plus years old.

 

What insurance do you have?

Did you pick them because they were the cheapest?

 

I dont know how they can pick "new" and "used" parts, its your car not theirs. Tell them you are going to let dealer to do fix.

 

Even more pissed now. just got off the phone with the body shop and they tell me my insurance company are saying my suspension is aftermarket and dont want to cover the shock. even though its the mr model and it still has the stock BILSTEIN SHOCKS! ****s turning into a nightmare .

 

f#*%ing State Farm

 

Keep in mind that any damaged aftermarket parts will be replaced with oem. I was in an accident where the front end was damaged and they replaced my 3.5" ic with a stock intercooler.

 

This happens with a LOT of insurance companies, they get aftermarket oem "ish" parts especially body parts. I truly don't think that there is any way around that. They do it because the parts are cheaper, it becomes less of a financial issue for them and helps them save MILLIONS per year in avoiding Totaling out automobiles that would otherwise be totaled with truly original equipment parts.

I feel for you, my gf went through this with her Acura TL two years ago. In repairing her car it was essentially dinged in value once for the accident and then a second time for cheap aftermarket parts