Rear ended today at a red light

[gotak]

Why does someone see green and assume that means you can gas right away?

320 to fix at a chinese shop I go to. Sigh. 4000 km and already have a notch on it's belt.

[Kappa]

they arent paying for it?

[Donutz]

Seriously; what kappa said. I say go through insurance.

[malfunktion]

Seriously; what kappa said. I say go through insurance.

+10000

[gotak]

They are willing to pay for it. So we'll see.

[WeatherB]

I wouldn't trust a $320 repair job. Just a replacement bumper is about $250.

A minor rear ending with only cosmetic damage will cost about $500 to fix if you do the bumper removal and reinstall yourself.

How fast was the other car going before it hit you?

[Soyabean]

If they are willing to pay to get it fixed thats a good thing too. This way the insurance doesnt know about it and your VIN wont have any records of this which could lower your car's price if you decide to sell it in the future. 300 is probably for painting your bumper?

[AS RomaMazda]

Sorry to hear:(

[Takumi616]

hope everything turns out ok....

[xdutrax]

Sounds rather familiar to my moms situation.

She bought a 2007 Mazda 3 sport hatchback and within 24 hours of her owning it. The first time she drives she got rear ended by a jeep. She was at a red light and then she crept forward to make a right and the guy behind her assumed she was going.

Not sure on the damage cost yet, but I am going to assume over $750.

[chan7]

good luck on the repairs and hope everything turns out well

[gotak]

Hit was pretty slow. Didn't feel harder than when I do a bad break fall in Karate. Or if one of my buddies tackle me. Damage isn't bad. The bumper isn't even dented. There is a crack so that's why if it's to be fixed properly it has to be replaced. However, for me I am not exactly too concerned about the crack. Just don't want the hassle of having a friend drive me to work or borrowing a car or getting rental.

I think it's going to be close to 800 with bumper replacement. He seems ok with that he just wants an invoice in that case because it'll be expensed under his business which I suppose is win win. What's annoying is I need my car to get to work so it'll be out of action at least 3 days right? Unless somehow they can do the painting of the bumper off the car. Getting a quote tomorrow from a place that hopefully is willing to issue invoice. What's with the chinese places and their cash only and no invoice policies?

[Donutz]

Again, claim It through insurance. They should cover a rental. Did you take the bumper off and check the foam support? Your cost can balloon quickly. What happens if you take the cash and feel sore in a few days? Who will pay the medical / rehab bills?

You're asking what's up with Chinese shops. Did you choose the repair shop?

[XTOTHEL]

cash only to avoid tax. go somewhere that would give you life time warranty of their painting, if something goes wrong you're going to have lots of fun dealing with the Chinese.

[gotak]

cash only to avoid tax. go somewhere that would give you life time warranty of their painting, if something goes wrong you're going to have lots of fun dealing with the Chinese.

Yes I am aware of that. Just I thought they are ok to do invoice if someone pays more. I prefer the shop I know because they have done work before for me and it's good quality with the color matching. Vs the time I went to a "proper" shop for quarter sized dent and cracked paint due to someone door-fuing me in a parking lot which didn't quite match up.

I am debating whether to go insurance route. I know if I was in his shoes I'd want to avoid the premium increase axe hanging over my head. But at the same time I do think, as it was clearing from the state of his car it (a relatively new one at that) wasn't his first accident, that he should be given some reminder to drive better.

If I let him pay for the repairs can I still claim insurance for medical later on? I don't know... seems it should be possible as it is possible to have whiplash without damage to a car (if you have one of those old cars that's build like a rock for example). I guess I can ask my broker tomorrow to see what she says.

[J_Logik]

You probably won't be able to claim injury treatment through your insurance later, because they will need to know the cause. You can't tell them you were in a car accident in your own car, that you didn't report. Sorry that you got hit, that really is unfortunate in a new vehicle.

[ziegs2020]

If I let him pay for the repairs can I still claim insurance for medical later on? I don't know... seems it should be possible as it is possible to have whiplash without damage to a car (if you have one of those old cars that's build like a rock for example). I guess I can ask my broker tomorrow to see what she says.

Depends whether you're claiming automotive or if you have it, extended medical insurance. If you don't file a claim through the car insurance company, the event never happened, they won't reimburse you, and you won't have any recourse if your situation becomes worse.

Medical might cover neck and back pain, but then again medical insurers are a pain to deal with. Whatever experiences you've had in the past making medical claims should determine which choice you make.

[Zoom Zoom Boy]

Really sorry to hear about this. Terrible feeling when someone damages your car, especially true when so new...

Personally, I'd recommend you go through your insurance, since I assume from your original post that you are not at fault in the accident. As others have said, it will give you better piece of mind in the long run and if you do have any post accident related health issues, at least you will be covered.

P.S.- I would strongly recommend 'Street Performance' for any body and repaint work,although I don't know if they are local to you or not. They are also a 'Chinese' shop, but they will stand by every part of the work they do and it is excellent quality also.

[gotak]

Really sorry to hear about this. Terrible feeling when someone damages your car, especially true when so new...

Personally, I'd recommend you go through your insurance, since I assume from your original post that you are not at fault in the accident. As others have said, it will give you better piece of mind in the long run and if you do have any post accident related health issues, at least you will be covered.

Yeah I am starting to think that way too because what if they find more problems once the bumper's off. At some point it makes more sense for everyone to just have insurance pay.

[Zoom Zoom Boy]

Yeah I am starting to think that way too because what if they find more problems once the bumper's off. At some point it makes more sense for everyone to just have insurance pay.

Very true. Also, if he rear ended you, most likely, his insurance will also be paying your deductible. Not 100% sure on this, but it worked that way in the only accident I've been involved with and when my Protege (R.I.P.) was written off. You're just better off going through the insurance and your rates should not increase for a no fault claim.

[prime]

The only downside to reporting it is having your car showing repairs in its history. If you have no plans on reselling it then I don't see why not to go through insurance since it's not going to affect your premium.

[ovie8]

this would be a no fault claim ...which you do not have to pay for. However, from what I heard most insurance companies only allow so many no fault claims before they start increasing your premiums.

If it's just paint damage...you might be better off just settling outside of insurance. If it's a bumper replacement I doubt they would fork out that amount of money to replace it, so you might need to go through insurance. As many have said, if u're not planning to drive the car to the bone, leaving records like this off your VIN will help with your resale value.

[gotak]

this would be a no fault claim ...which you do not have to pay for. However, from what I heard most insurance companies only allow so many no fault claims before they start increasing your premiums.

If it's just paint damage...you might be better off just settling outside of insurance. If it's a bumper replacement I doubt they would fork out that amount of money to replace it, so you might need to go through insurance. As many have said, if u're not planning to drive the car to the bone, leaving records like this off your VIN will help with your resale value.

My current plans is for it to be replaced with something nicer like an Audi when I am done paying it off in 5 to 6 years. At that point though I'll likely have kids so maybe at some point I'll just pay off the reminder of the car sooner than 5 to 6 and switch to a SUV for the room and "protection".

Bumper has a small crack in it.

[DualSoul]

Wow, tough luck. First a keying (http://www.torontomazda3.ca/forum/showthread.php?47450-Some-SOB-keyed-my-car&highlight=) and now this... Hopefully you're getting the bad stuff out of the way early so your experience from now on is incident free...

[Jeff-TheBiz]

yikes... and +100 on the insurance..

[gotak]

yikes... and +100 on the insurance..

All sorted out. Sigh :P Here's to new year resolution, no more car crap!

[kartmac]

I was Rear ended at a stop light last year and it want through insurance and it costed me nothing to get a new bumper and the shop i used took about 10 hours to re and re the bumper and all is will with the car.

[gotak]

Thanks everyone. It will be fixed hopefully good as new.