Pagoda SL Group

W113 Pagoda SL Group => General Discussion => Topic started by: Jonny B on June 07, 2014, 01:29:01

Title: Get to test insurance
Post by: Jonny B on June 07, 2014, 01:29:01
With all the various comments, discussions, topics, etc, about insurance; I now get to test mine out. While heading TO the local pub for an ale, some jerk; while I am waiting to merge into a right hand turn, taps the back of my 250 SL. Fairly low speed, but still damage to the the paint and body work at the trunk. The lights and bumpers appear to be alright. Insurance company has been contacted, adjuster assigned, so now the hoops remain. Oh, and yes, the $%&*(# just ran off. Will keep ya'll posted on what happens next. Going to speak with my mechanic tomorrow to see what he suggest, and where he suggests. #$*()W%()*W way to open a weekend.
Title: Re: Get to test insurance
Post by: 49er on June 07, 2014, 01:41:50
Oh man, sorry to hear that Jonny. I think that is a fear we all have and just keep our fingers crossed that we get our cars home safely. Hope your insurance comes through for you and also hope the police find the SOB that took off.

John
Title: Re: Get to test insurance
Post by: RonB on June 07, 2014, 02:29:13
I know the feeling - the adjuster wanted to paint 1/2 of my 280 - o(riginal paint). I took it all apart and they sprung for a total paint - unable to match 43 old paint.
Change color from tobacco to  Dark Gray.

Good Luck
Ron
Title: Re: Get to test insurance
Post by: Garry on June 07, 2014, 02:58:58
Really bad news Jon.  Matching paint is a true PIA, I probably spent more money on matching than what a repaint would have cost
Title: Re: Get to test insurance
Post by: Rolf-Dieter ✝︎ on June 07, 2014, 13:00:01
Sorry to hear this Jonny, hope all works out for you! Do keep us posted as to developments and the support you get from your insurance company.

Best of luck to you.

PS. This is always my fear when I take mine out too many idiots on the road, last week I was going 70 km/h in a 60 zone when some idiot decided I was going too slow he overtook me in a left turning lane then cut me off almost causing a head on collision with oncoming traffic. Good that  no one was behind me and my brakes are in good shape.  Last year some idiot decided to overtake on a two lane road and I had to get off the road into the gravel part, was lucky not to end up in the ditch. As said there are too many idiots out there!

Watch out everyone and enjoy your summer driving!
Title: Re: Get to test insurance
Post by: Jonny B on June 07, 2014, 15:35:49
I am hoping the repaint will be able to match. The car was completely redone in 2000 so the paint is recent, and has been garaged since. Going to see Franz today.
Title: Re: Get to test insurance
Post by: Jonny B on June 07, 2014, 23:25:09
Update:
Took the car over to Franz this afternoon to get his comments/estimate. The practiced eye sure won out. The impact was mainly at the edge of the right bumper at the point nearest the gas filler. It pushed the bumper into the rear tail panel, and bent the  panel enough so that it makes contact with the spare tire. It also dented the gas tank filler cover inside the trunk. The trunk floor was scrunched in and bent up by about 1.5 cm. You can see separation at the edge of the tail lights.

So looking at a new tail panel (which is a double panel), new trunk floor, rechromed bumpers, new bumper bracket and the attendant fixes. Early figure is $5K+.

Police identified the second vehicle, but owner states, "I was at work until 5 PM (incident occurred at 3:55 PM), and I don't lend the car to anyone." Funny dent in the front license plate of said car……. How shall I type; bullish*t.

Ran through the gauntlet with the insurance folks this afternoon, no resolution, the number I got at the end of the run around, was the same one I started with.

The saga continues.
Title: Re: Get to test insurance
Post by: Peter van Es on June 08, 2014, 09:28:53
Jon, sorry to hear. But isn't the issue with the second car for your insurance company to sort out? And if you have good classic car insurance, would they not pay up the $5K or more that it would cost?

Peter
Title: Re: Get to test insurance
Post by: mdsalemi on June 08, 2014, 13:15:48
Terrible, unfortunate incident, Jon. Sickening, particularly with the runaway who did it.
Do you have "defined value" insurance for the full value of the car? A solid policy like that would allow YOU to decide where to take it.
On regular car insurance (as opposed to classic car) our local MB independent is always fighting with the clueless adjusters, who will insert themselves into the repair process. They'll do really stupid things like require a used part that costs more to ship, fit and finish in total than a new MB part. Usually they are pretty clueless. That's one area where the classic car insurance is supposed to differ.
Hope it all works out...
Title: Re: Get to test insurance
Post by: KevinC on June 08, 2014, 19:04:56
Jon. So sorry to hear. I'll be interested to know how things go for you.

Kevin
Title: Re: Get to test insurance
Post by: gimp on June 08, 2014, 19:49:35
Jon.
Sorry to hear about your mishap.
I will be interested to hear the final result
Frank
Title: Re: Get to test insurance
Post by: Jonny B on June 08, 2014, 20:08:20
On Saturday I went to speak with my mechanic/tech guru. His practiced eye was quite revealing, unfortunately. The main point of the impact was the edge of the right back bumper, nearest the gas filler cap. The impact dented the outer tail panel, and pushed it in right near where the gas filler is. The spare tire is now in contact with the inner tail panel. The trunk floor is buckled up about 1.5 centimeters. Not sure about the gas tank neck. Potential issues with the deck lid (!!). Read that as a pretty good dollar sized repair.

The police did find the car but the owner stated, "I was at work until 5 PM (incident occurred at 3:55 PM) and I never lend my car." Funny though, there was a dent, pushed in area, on the front license plate.... There is no way I could identify the person driving, just did not get a good look, so no prosecution potential.

Still have not heard from the insurance company.
Will post as the saga develops.
Title: Re: Get to test insurance
Post by: mmizesko on June 09, 2014, 00:38:31
Jon,

Sounds awful.  Check K&K in Michigan for new Tail Panel.  I'm very happy with my lower half we welded in this spring.  Not sure if they do trunk floors.

Mike Mizesko
Columbus, OH
Title: Re: Get to test insurance
Post by: Jonny B on June 10, 2014, 00:14:44
Mike,

Yes, I did look at KK for the panel and for the floor (they have both). Now it is trying to figure out how to deal with the insurance company on next steps.
Title: Re: Get to test insurance
Post by: Garry on June 10, 2014, 06:36:22
Jon,

You have put the moz on me.  My wifes MB A Class got hit in the passanger side whilst parked. No note no other car seen. 3 panels damaged, 5 panels need respray to feather in the colour. Now I am going to test my insurance company that covers all my cars. If the company does a good paint job I may even get my HardTop re painted in the correct colour, 350H,  instead of the current 334G that it is.

Hope these things don’t come in threes :o :o :o

Garry
Title: Re: Get to test insurance
Post by: Jonny B on June 11, 2014, 11:32:53
Garry, oh  my, sorry to see about that!! Let's put a stop to this right here, right now!

Still waiting to hear from the adjuster, I called again yesterday. Hope that is not a harbinger of the type of service.
Title: Re: Get to test insurance
Post by: fmen3366 on June 13, 2014, 05:36:28
You should be OK with the insurance, Jon. It happened to me about a year ago. Someone cut in front of me and hit the passenger headlamp and nicked the paint under the bumper. Very light hit but nevertheless vey irritating since I just had a full respray. Got a quote from a classic car restorer and gave me a $1500-2000 estimate. Since it was a hit and run, one thing I made sure was to get a police report within  minutes of the accident which I believe you had done. Called up my insurance carrier and all they asked was an estimate/quote and some pictures of the damaged area. I gave them the police report and the $ check came in within a couple of weeks. No adjuster necessary.
Title: Re: Get to test insurance
Post by: Jonny B on June 13, 2014, 16:46:41
Estimate is set to be done on Monday morning. I will be taking the car to Franz, Silver Star Mercedes for the work. The insurance follow up on the other vehicle is in the works, as they have the license and the police found the vehicle.
Title: Re: Get to test insurance
Post by: Rolf-Dieter ✝︎ on June 13, 2014, 17:36:08
Jonny, glad to her they found the car that made the damage.

I think stuff does come in three (one of the posts above) my 2013 e350 got hit in the shopping centre (hit and run) on the left hand rear bumper. Damage is around $2,000- people seam not to care for other peoples property.
Title: Re: Get to test insurance
Post by: Jonny B on June 14, 2014, 01:26:09
Indeed, I wish the damage was only in the $2000 range. I/we are suspecting damage to the deck lid, gas tank, bumper brackets……. It is going to be (most likely) a good bit over $6000, argh!
Title: Re: Get to test insurance
Post by: sandcrab59 on June 14, 2014, 11:43:07
Jon
I remember your 250SL from Blacklick, very nice.
Yes K&K does have all the panels, except the hoods. He gets them from Poland.
As far as the insurance goes I use Grundy INS on my Model A ,my 280SL and my wifes 82 300SD.
Believe it or not but the higher the value you personally  place on the car for collision the rate is cheaper.

All 3 cars are cheaper than my regular 83 300SD insurance premium, mainly because those cars are occasional use where as my 83 300SD is a daily driver.
Hope this helps.
Tom Mrowka
Title: Re: Get to test insurance
Post by: 66andBlue on June 14, 2014, 17:15:54
……. It is going to be (most likely) a good bit over $6000, argh!
Jon,
don't get your hopes too high and your estimates too low!  It will be more when you are done.  :o
Title: Re: Get to test insurance
Post by: Jonny B on June 14, 2014, 18:13:56
Yes, just call me optimistic! Perhaps in denial too?!
Title: Re: Get to test insurance
Post by: sandcrab59 on June 15, 2014, 00:37:59
Jon:
My friend (past away) had a body shop and I was there a lot.
Depending on how bad the trunk floor is bent it can be stretched back into shape. I have seen it done in the past.
Ask your body shop about it a real good one can do it.
Tom Mrowka
Title: Re: Get to test insurance
Post by: Jonny B on June 15, 2014, 15:57:37
Tom,

I think these folks are pretty good, so will have to wait and see what their verdict is. A trunk floor is not all that expensive. Buds Benz has factory replacement at $200. It is the trunk lid (potential right now) at close to $3000!! The bumper bracket (~$450) and the tail panels. Unknown about the gas tank filler neck.
Title: Re: Get to test insurance
Post by: sandcrab59 on June 16, 2014, 00:15:20
Jon
I don't believe the cost of the trunk lid.
I will find out if it is cheaper in poland.
Tom
Title: Re: Get to test insurance
Post by: Jonny B on June 16, 2014, 14:44:43
Tom,

Keep me posted on that.
Title: Re: Get to test insurance
Post by: Garry on June 16, 2014, 22:17:18
Well, got the bill for my wifes MB A200 small ding, $5300.  Thank goodness for insurance and a curse on people who dont have the decency to leave their details when they prang your car.

Garry
Title: Re: Get to test insurance
Post by: sandcrab59 on June 18, 2014, 00:28:18
Jon:
Contacted Gernold in maine and he has good ones for $1000 each plus shipping.
Tom Mrowka
Title: Re: Get to test insurance
Post by: mmizesko on June 18, 2014, 01:19:32
Just saw a trunk lid on ebay.  May need some dent repair, but not $3,000.

Mike Mizesko
Columbus, OH
Title: Re: Get to test insurance
Post by: Jonny B on June 18, 2014, 14:41:37
Many thanks for the update on deck lid options. Really won't know what we need to do until some of the other basic structural stuff is fixed (tail section).
Title: Re: Get to test insurance
Post by: Jonny B on June 19, 2014, 03:11:59
Got a little bit more detailed set of comments about the damage tonight. Oh, I think I am definitely going to beat Garry! Gas tank is damaged, trunk floor, bumper brackets, bumpers, some alignment issues, probably deck lid……. let me count the ways!
Title: Re: Get to test insurance
Post by: Garry on June 19, 2014, 08:38:35
And of course you need to have all new OEM parts if it is insurance, after all that is what you pay for!! :o
Title: Re: Get to test insurance
Post by: Jonny B on June 19, 2014, 14:38:52
Hopefully it will be the insurance from the #^$&* that hit me!
Title: Re: Get to test insurance
Post by: Rolf-Dieter ✝︎ on June 22, 2014, 17:57:21
Jonny, keep us posted as to how it will be resolved.
Title: Re: Get to test insurance
Post by: Jonny B on June 22, 2014, 22:29:30
For now, let's say that the estimate from the body shop is WAY beyond what the insurance co initial estimate. The insurance company has the updated detail, so now they have to observe the damage and make another (I hope!) adjustment.

We have all the parts, except the deck lid (will wait to see how the repaired panels fit and make determination from there).
Title: Re: Get to test insurance
Post by: fmen3366 on June 27, 2014, 19:35:20
Jonny,

If it's OK, can you share how much the body shop estimate is?

Andy
Title: Re: Get to test insurance
Post by: Raymond on June 28, 2014, 11:50:41
Johnny,
Can you post a photo of the damage?  I'm curious what $5K in damage can look like.

Last September, I had a 2014 Mustang GT sideswipe my BMW trying to pass me on the left on single lane ramp onto I-95.  I chased him down and read the license plate to the 911 operator.  FHP had to find him the next day.  Because the damage on his car was consistent with my story, his insurance paid.  I'm surprised your local constabulary couldn't make that connection.  In the end, the body shop (Brumos) refused to accept additional money from me to paint the whole car.  The result is the paint doesn't match.  Good luck fighting with your own insurance company and good luck matching the paint. 
Title: Re: Get to test insurance
Post by: Jonny B on June 28, 2014, 16:54:11
Here are a couple of shots. It is really tough to capture a photo of the damage. The rear trunk rails (into the shock towers) were also slightly bent. The car is going on the "rack" first to stretch it back. The trunk floor was also buckled. We are still uncertain about the deck lid.

As far as damage, lets just say that five digits to the left of the decimal point are involved. Still some unknowns out there.
Title: Re: Get to test insurance
Post by: Garry on June 29, 2014, 00:07:33
Interesting about the paint not matching in Rays post.  My insurance company has allowed for two extra panels to be paint so that the repairer can try to match in the paint by feathering actoss the extra panels which are the bonnet (hood) and rear door. I pick the car up next week and will be interested to see how well they go. I have had the car from new and it is now 9 years old so there has to be some fading in the MB silver paint.

That bend in the floor panel is not a good look.

Garry
Title: Re: Get to test insurance
Post by: Jonny B on July 14, 2014, 15:34:12
Latest update - the car has been on the rack and the rear frame rails have been straightened. The geometry is now correct. It is now to the body man to fit the inner and outer tail panels and the new trunk floors. Eventually I will have some photos to post. Still a question about the deck lid, but we are hoping we can work something out short of a new $2400+ deck lid).
Title: Re: Get to test insurance
Post by: Jordan on July 14, 2014, 19:25:04
Jon, I have been following this from your first post as you are living one of my worst nightmares.  It is extremely unfortunate and I hope it all works out and you get sorted out with your insurance company.  On top of everything you don't get to drive your car, although I see you do have a back up. 

If you don't mind sharing, which insurance company do you use?  Also interested in who Ray's insurance was/is with.  Always nice to know how each insurance company treats their customers and their claims. 

Marcus
Title: Re: Get to test insurance
Post by: Jonny B on July 15, 2014, 01:52:00
Currently with State Farm, on an agreed value set up.
Title: Re: Get to test insurance
Post by: Jonny B on July 25, 2014, 18:44:57
Here are a couple of shots of the rear just after the frame rails had been pulled out in the "rack"
Title: Re: Get to test insurance
Post by: Cees Klumper on July 26, 2014, 15:15:29
Yikes!

But I'm sure they'll get it back to 'as good as new'.
Title: Re: Get to test insurance
Post by: KevinC on July 26, 2014, 17:18:16
Jon,

Must be difficult to see it this way but at least they are doing it correctly!

Kevin
Title: Re: Get to test insurance
Post by: Jonny B on July 27, 2014, 15:05:47
Indeed, it is. And yes it is being put back together correctly. The person that is doing the paint (eventually!) works also for Hjeltness Restoration. I plan to get to the body shop this coming week.
Title: Re: Get to test insurance
Post by: Jonny B on August 25, 2014, 18:13:25
Stopped by today to check on the progress. It is looking like a car again. There is a fit issue with the driver side fender that the body guys have to do a little bit of "reconfiguring" with. They are hoping to complete the body work this week. Some snaps attached; new frame rails on both sides (from the shock towers back), new trunk floors - all three, middle and both sides, new tail panels (inner and outer), and rear cross member. All being done with proper spot welds ,etc.
Title: Re: Get to test insurance
Post by: Jonny B on September 28, 2014, 16:31:11
Car just returned front he paint guy. These guys (body and paint) are artists! Only have a shot of the back of the car, next step is putting all the pieces back together again! Fortunately they did not have to replace the trunk lid. It did require a bit of "massaging" to get the curvatures back to correct. Now with new paint, all the work did indeed pull the seems and panel gaps right into place!
Title: Re: Get to test insurance
Post by: Jonny B on September 28, 2014, 17:21:22
Here are a couple of the in process painting shots.
Title: Re: Get to test insurance
Post by: Bob G ✝︎ on September 30, 2014, 23:57:58
Jonny
looks great. one day mine will be done the same. yours looks great.

Bob Geco
Title: Re: Get to test insurance
Post by: Jonny B on October 01, 2014, 02:16:59
Stopped by today to check on progress. There are some nits but progress continues. The floors are tailored for the 280 SL so there are some differences (not counting the major difference with the early 230 SLs). That is, some holes in the left hand floor to accommodate the larger evap tank, plus the mounting point for the jack is slightly different. We keep learning.
Title: Re: Get to test insurance
Post by: Jonny B on October 26, 2014, 22:52:18
Here they are! Got the car back yesterday, 25 Oct. The body, paint and re-assembly folks re true artists. Just a wonderful job. Pardon the naming of the files, did not get the order quite right, but there are three shots from this afternoon.
Title: Re: Get to test insurance
Post by: andyburns on October 27, 2014, 00:24:50
Jonny,  looks amazing.  They certainly have done a fantastic job.  I can imagine your relief to have it back.
Title: Re: Get to test insurance
Post by: KevinC on October 27, 2014, 21:12:10
Jon,

The car looks great and I'm so pleased to hear that you are happy with the work!

Kevin
Title: Re: Get to test insurance
Post by: 49er on October 27, 2014, 21:54:59
Hi Jon, Great to see your car back on the road. It looks good as new. Did the DMV issue you a new "Pagoda" plate or was the old one not damaged?

John
Title: Re: Get to test insurance
Post by: ctaylor738 on October 28, 2014, 13:19:37
Looking good.  Did the shop get the trunk seal right?  Are you going to get any sort of "diminished value" or "loss of use" settlement?
Title: Re: Get to test insurance
Post by: Jonny B on October 28, 2014, 16:20:02
Thanks all, and yes, it is very nice to have Red back at home.

The trunk seal is in correctly. All the little details in the trunk, with proper pads, spot welds, etc are "spot" on.

The plate was not damaged and neither were the taillights!

Tough to gauge the insurance. They paid for the actual accident damage. I paid for the "oh, look what we found" kind of stuff. The car is better than it was. Pricey, but all around fair.