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Old 12-29-2009, 12:10 PM   #1
fitter527
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should i go through insurance or not?

i was on my way home yesterday,less than a minute from home.a ***** cat runs out in front of me.i cut the wheel to the left to miss the cat and the rearend gets loose.i turn the wheel back to the right to avoid crossing over into the other lane in which there is a car approaching.i was doing about 40 km/h.
the car spins around and hits the curb parallel with the rear drivers side wheel.i was able to get the car home and into the garage.
i jacked up the car and it looks bad.the only things i can see bent is the rear lower control arm and the shock absorber has a dent in it.oh and obviosly the rim.
heres my dilemma.should i go through ins. or should i just replace the parts mentioned.
with my ins. i have a one time accident forgiveness option.its for good drivers.hahahahaha.
here are a few pics of the damage047.JPG

048.JPG

052.JPG

055.JPG

054.JPG

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061.JPG
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Old 12-29-2009, 12:22 PM   #2
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im just not sure if there could be other things messed up.
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Old 12-29-2009, 12:26 PM   #3
bigdutch
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I'd fix it my self..
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Old 12-29-2009, 12:27 PM   #4
damameke
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even without the "accident forgiveness" you should go with insurance,
looks bad but its the unseen that will affect the handling of the car...
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Old 12-29-2009, 12:41 PM   #5
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that's the thing,it only looks like the lower control arm and the strut but there could be alot more small things wrong.i just dont want my insurance to skyrocket.the ins. told me this would not happen but i dont know whether to believe them.
i can fix the obvious things.my deductable is $500 and for a lower control arm,strut,rim alignment is alot more than $500.
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Old 12-29-2009, 12:42 PM   #6
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Its also gunna show up on a carfax which isn't so good when trying to sell the vehicle down the road... i just went through this when i sold my vw..
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Old 12-29-2009, 12:47 PM   #7
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do you know a reputable shop? perhaps a vendor on here? if so id have someone check it out (unless your qualified to do so yourself) and repair out of pocket. save the accident forgiveness for something more serious
a couple hundred now beats a few grand later.
do you rely on the car and need it back road worthy asap? thats another factor in the decision
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Old 12-29-2009, 12:56 PM   #8
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it is my daily driver.im thinkin insurance is the way to go.
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Old 12-29-2009, 01:35 PM   #9
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IF you got CAA , you could bring it to one our sponsors to have a look. That does not cost much. After they give you deal bill, you can than compare. I would do that right away.
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Old 12-29-2009, 01:43 PM   #10
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Take it to a shop and get an estimate on the total repair, that is if you aren't confident you can fully assess the damage yourself, just so you know exactly what you are looking at with respect to cost. Once you start repairing the damage you do not have the option of going through insurance if it starts getting expensive. The company MUST be allowed the option of assessing the damage before the repair begins.

It is a hard call.

Insurance companies do not play by the old addage: "forgive and forget". They remember EVERYTHING. So, even if this accident is "forgiven" it goes on your record.

We had a client of ours call accident forgiveness "insurance blackmail" - which I can understand. It severely limits your options.

Only the company who "forgave" that accident will ignore it for rating purposes, and even they use it for "acceptability qualification". If you get a few convictions then that 1 forgiven accident + the minor convictions(usually 2 or 3) = non-renewal of your current policy. If you want to change insurance companies in the next 5 years that "forgiven" accident will make your life difficult. If you have a second accident within 5 years you will be limited to the company you are currently with (at a much higher rate) or "high risk" companies; as two 'At fault' accidents within 5 yrs is a refusal reason for most personal auto insurance companies.

Which company are you with? (I may know their rules)

Personally; If the damage is less than $1500 or so, I'd pay out of pocket.

Your second 'At fault' could be something as stupid as opening your car door and hitting the car beside you in a parking lot - Someone sees it and leaves a note on the other car with your plate #. (yes, that is an at fault accident).
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Old 12-30-2009, 10:27 AM   #11
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pay out of pocket man.... dont consider using your accident forgiveness for this..

what if 3 weeks from now you slip on black ice and really smash up your car and someone elses...

this looks like a simple diy. there isn't too much down there that can get damaged which you wont take notice of.

DO NOT TELL INSURANCE
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Old 12-30-2009, 11:12 AM   #12
InfiniteDice
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In the winter, I never swerve to avoid anything, just slow down and try to steer behind it's direction of movement, if it's lucky it'll live.

It's a cat man, I'd swerve to avoid a moose.

One time going through Maniwaki, I hit 2 rabbits in 5 minutes.

Another time I nailed a porcupine.

Another time a skunk.

Another time...

You could have totaled your car over a cat. Hit the cat. lol
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Old 12-30-2009, 11:14 AM   #13
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Darn almost forgot about the squirrel!
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Old 12-30-2009, 12:41 PM   #14
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That should be an easy and cheap fix. I wouldn't even think of going through ins.

The hardest thing is finding a 1 used rim.

Next time run the cat over, I would never swerve to avoid anything in bad weather conditions esp some dumb cat. If the world was perfect you would get the owner to pay, but goodluck with that.

Change the rear control arm and the shock first:
A control arm is only $68.11
http://www.autopartsway.ca/autoparts...1482~241482~30
Get an alignment and that will give you an indication on if anything else is bent.

I have two e46 rear shocks you can have for cheap. Pm me.

Use your full size spare if you have one, then search for a spare rim.
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Old 12-30-2009, 01:12 PM   #15
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Just hope you don't need a new rear trailing arm.
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