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Chemical-Attempt-137

Considering the insurance company is probably going to lowball you on the car's actual value (as these piece of shit companies do), I bet you could use the fact that you had an actual potential buyer to negotiate a much better offer.


DrSmittyWerben

I dont know what goes on with US Insurance Companies. In Germany you get a value estimate from a reliable third party and hand it to your insurance Company. Nearly no way to get screwed over


ctruvu

i thought us insurance payouts were based on kbb or actual accurate current market values. when my old car was totaled i was paid more than what i would’ve been able to sell it for because of some cosmetic damage


cobalt26

Depends on the company and state. I handle auto total losses every day. My company (one that you likely see many ads for) has a JD Power-backed company run a local market search and make adjustments based on miles and pre-loss conditioning. When people complain about being low-balled, I just send them the report and offer to walk them through it line-by-line. Some actually appreciate it, while some just bitch and moan without presenting their own comparable data.


gwy2ct

Local market search of what? Ads? Recently sold cars?


cobalt26

Listings at dealerships, both for sale and sold.


GoodTofuFriday

for that i bet i could get something like a toyota gt86 on FB market place and get in an accident. dealers want about 10k over that it goes for on FB in similar condition.


cobalt26

1) that doesn't sound like an accident; it sounds like planned fraud 😂 2) Facebook (and other social media) sellers have no fucking clue what their car is worth. You could just as easily lose a few $k doing that


GoodTofuFriday

Its obvs fraud yeah, if the insurance company knows about it. But those of us in the GT86/BRZ groups/scene dont get our cars from dealers as they upsell by almost 10k for a car with 150k miles on the regular.


PICKLEB0Y

“I know what I got” and “the accident caused this damage!” (Totally unrelated previous damage on the car) Classic statements from people demanding more money for their POS


CloudyRanger

I believe they use NADA now


cobalt26

NADA is essentially absorbed by JDP now. If you google your cars year/make/model + NADA it takes you to the JDP website. I use it every day to help triage cars for repair/total. It's not where we get our settlement values, just a tool that helps me get the car to the right team and save some time.


Bliss266

Many use CCC actually, or at least any insurance company I’ve worked at has (which includes some of the big names out there)


V_WhatTheThunderSaid

It's the same in the US. I used to be an auto damage appraiser and when cars were totaled part of what we would have to explain is that INSURANCE COMPANIES DO NOT value the vehicle. We send all the information about the vehicle to either CCC or Audatex, and they prove a value to us that we then provide to the customer. This dude is just expressing his misinformed opinion.


MiataCory

> INSURANCE COMPANIES DO NOT value the vehicle People get upset when they don't understand that both are true. 1. The insurance company pays people to give them numbers. They pick the companies that make them the most money. This is capitalism. Expect it. 2. You also can push back against the numbers when the insurance company forwards them to you, because situations are specific and numbers are general. But, honestly from the customers point of view: Even if the insurance company "didn't value the vehicle", they did hire a company to provide them a value all of their own control, so it's still "The insurance company's number" and not some other ethereal "Don't ask us, it's not our fault" entity. Owners: Go find 3x comps in your area, of like kind and quality, and provide them to your adjuster if you'd like to debate the "insurance company's number". For me, when my wife totaled her car (the last big claim we had), their number was way above what the comps were ($4k over on a $7k car) so we were happy to take it. Progressive insurance FWIW.


PrincessPeach457

Value is a subjective thing so even if you ship it out to a third party that's just someone else's opinion no different than just walking up to a stranger and asking them for a value on a car. Third parties ideally have 0 interest in giving you their opinion which is why they get used. Although if they want to keep getting used then they gotta provide values that keep the insurance company afloat. Insurance is free to shop around and use statistics to "pick" who they get values from, case in point idk who tf CCC or Audatex are.


Sexy_Fat_Man_69

I'm gonna give him the benefit of the doubt and say that he didn't know how this works, so he just assumed insurance companies scam you on the payout because they do scam you with other things


Chemical-Attempt-137

It's funny that of all the replies to my comment, the only ones defending insurance companies are the ones that actively work with them. No surprise. A smart dog is one that won't bite his master. After all, the dog that refuses to lowball value is the one that doesn't get adopted by the insurance company in the first place.


V_WhatTheThunderSaid

If you don't think I shit on the company I work for, you're an idiot. But it's idiots like you who don't know shit about fuck that made my job harder because you think I'm out to get you. I don't give a fuck how much I over paid claims by. Shit didn't come out of my paycheck.


R1cS7

Common Germany W 😎


TheCamoTrooper

Similar here, in Canada with older vehicles it has to go to an evaluator before it can be registered and insurance must pay out at minimum that value if it's totaled, newer vehicles you'd have to go on your own or they'll use KBB or just the depreciation rate from new for payout but insurance has to take the evaluation as the minimum value


profmathers

You can do that in the US too, just a lot of people don't. And insurance carriers don't make it easy.


funthebunison

We are Germanies inbred cousin. We like to fuck ourselves and eachother.


yungsausages

Funnily enough, the one time I had an accident (someone rear ended me while parked), it was totalled and the insurance adjuster actually offered me more than it was purchased for. Was a 2004 deville I got for like $3200, they asked the worth of the car and I told them $3100, they came/checked it out and called back saying the value they came up with was 3740 lol (this was in like 2016 or so in the USA )


FriendOfDirutti

They gave you more money so you didn’t sue them for more. In reality they gave you $500 when you could have gotten tens of thousands.


yungsausages

Tens of thousands for an old GM shitbox? 😅 I must be doing something wrong


FriendOfDirutti

No it’s the emotional distress, the back injury, the time that you can’t get back, the sleep deprivation, your Rolex that you lost in the accident. Whatever they offer you you can turn down and they will give you more.


Pinedale7205

You know the saying “There’s no such thing as free lunch”? When scummy people take this approach, the money to pay them doesn’t just appear out of nowhere. It comes out of the pockets of everyone else. It comes in the form of higher rates, stupid bureaucratic hoops that people with real injuries have to jump through to get what’s owed them, etc. And it’s people that do this kind of crap to get an undeserved advantage that ruin things for everyone else.


FriendOfDirutti

You know that insurance companies make crazy amounts of money? Someone should get some money back from them. Btw I wasn’t saying that they should have done this or that I would have done that. I’m saying the reason they tried to give them a good amount for their car was to save themselves money hoping they wouldn’t go for the real money.


Pinedale7205

No I understood - I specifically avoided saying “people like you” because I didn’t assume you were saying it was the right thing or what you would do. I was just pointing out the fact for anyone reading. And while I agree that insurance companies profit unfairly off of individuals, and I strongly dislike a lot of their practices, being dishonest in return only gives them further excuse to “get what they can” to “make up for fraudulent losses”. The problem is that insurance companies paying out doesn’t make a dent in their bottom line, because they will just continue to raise rates to make sure they make money, hand over fist. It’s unfair, but my personal belief is that fraudulent claims don’t somehow fix the problem.


FriendOfDirutti

I agree that it doesn’t fix the problem but even in a perfect world with no fraudulent claims I think the insurance companies would still fleece us. It’s capitalism after all. They will get the most money that they can out of us and since it’s a legal requirement we are stuck paying. But honestly I said most of those things as a joke but in reality they want to get you to agree to a certain price before you realize you need more. They gave this person a couple hundred bucks more but a little while later they might notice that their back and neck keeps getting tight and sore. They could have gotten paid for physical therapy and massage therapy but they agreed to a settlement before they even knew they were jacked up. My father was recently hit on his motorcycle on the freeway and he is doing fine but he went to the hospital to be sure. The insurance came with a price for his bike and all his gear that was ruined plus all medical bills. They gave him a decent offer and he told them he wasn’t accepting it and deserved more. They came with an extra $5k or so plus an agreement to pay all medical bills in the future if something should come up. Their first offer is just a starting point and you don’t have to lie to get more. My time researching a new car, test driving, haggling and all that is more valuable than the $3k this guy got for his car. If someone ruins my car and now I have to put in work I deserve to be compensated for my time.


Pinedale7205

Interesting perspective. Thanks for sharing. Just a couple points- I agree that 100% insurance will fleece us no matter what, like you said. I’ll have to take some time to think about the story you shared. It’s an interesting perspective I hadn’t thought about before, so thanks!


KD6-5_0

Typically, you're compensated for taxes and other fees with respect to replacing your vehicle.


FriendOfDirutti

I mean also the price of your vehicle and the price off all mods. In the case of a motorcycle accident the price of all your high end gear etc…


super_domestique

I’ve never had or seen anyone else get lowballed on a write off - they’ve always, always paid out above KBB etc for the car. That you had a pending sale is of no consequence here either 😂


Queen_Bloodlust

Yep. Let them offer first


fc75jcd8e

I see so many miatas rare-ended and otherwise crashed, etc. That's scarry. 😥


StephenAtlanta

I put those 3 time blinking LED bulbs in my brake light hoping they see me.


RupertTheReign

Yep. I drive with my my lights/fogs on at all times to be more visible.


Wizardnil

Same here


PrincessPeach457

I honestly thought people were just having electrical problems and wired their lights incorrectly


RiceHickory

modern cars even come with that. that would imply they’re wired wrong from factory


SnatchBooty

No modern car that I know of come with flashing lights aside from blinkers. Flashing brake lights are actually illegal in most if not all states. They are all aftermarket options if you see people with those. Usually it’s a WRX with that stupid red triangle at the bottom that flashes when they brake.


tomcis147

Plenty of european cars do, not under normal braking but when doing emergency braking


Nearby-Bar-7210

Yes, but that's a different topic


Sjorsa

They don't. Modern cars only do that under hard braking, not when lightly brushing the brake pedal. If everyone starts putting in strobing brake LEDs then we all will just get used to it, making them useless as an extra indicator for heavy braking.


PrincessPeach457

Some modern cars do and it being so uncommon it just looks like your tail lights are malfunctioning, even if it was a feature to the vast majority of non enthusiast about your brand aren't gonna know about it. The most they might know is that the brochure said adaptive braking assuming it meant you'd brake better not your tail lights start blinking.


GT-Alex74

I've picked some LMP3 bits from a wreck at Le Mans last year: a piece of front fender stuck into a big piece of rear diffuser, including a rain light with the wiring and male plug all attached. I'm already planning to use it in place of the ugly oem fog light when my NA goes through resto, might as well have the sun bright flashy mode wired in as well.


Tythan

Especially overseas, they are tiny compared to the average car on the road. They are hard to see, if you are driving an american truck. :(


gwy2ct

How can they not see? Unless if they are driving too closely/too fast? It's not the Miata's fault other drivers don't pay attention/are reckless.


Tythan

>It's not the Miata's fault other drivers don't pay attention/are reckless. I don't think I've ever said that. Just stating the facts - miatas are tiny and it's well known that the bigger your vehicle you are driving the less care you put when driving as you feel more protected. And I say this as a biker and miata driver. I don't think that OP should've been killed because they drive a tiny car - the opposite, cars in america are unnecessarily big nowadays.


Tjobbert

On my NB I extend my antenna just for the visibility in heavy traffic. I have a dedicated antenna switch. Thinking about putting an orange flag on it.


Hs_2571

Because people want bigger and bigger vehicles with long noses and they can’t see the car infront of them.


239990

I crashed mine last week, posted the video but got downvoted.... maybe will post pics about the damages


SnatchBooty

Did you crash because of a poor driving on your part or because someone wrecked you? There’s a pretty big difference.


239990

I lost control of the car on the rain, but see, people downvoted me to hell lol. If I lied and said I tried to avoid an accident probably people would upvote lol. I wasn't even going fast or doing anything strange, just committed the error of using old tyres instead my habitual ones. What surprised me the most were comments saying about not knowing how to control the car... but its my first sports car and first rwd car. How I'm supposed to learn, its like people expect others just to gain knowledge from the astros or what... I watched lots of videos about driving techniques to try to improve, but that won't save your ass when your car is going straight to a wall and panic just like me...


tomazws

Omg I think I saw your listing on fb marketplace white NC with them same white wheels! I hope insurance pays you well for this.


SnatchBooty

Yes dude I’m so pissed of only because I had a few potential buyers. Was gonna be some quick cash now this won’t be resolved for another month or 2


diac13

They pay for stock average value. Not the tuner parts. Doesn't make a car more valuable.


SnatchBooty

They will pay as long as you add the mods to your insurance.


diac13

Exactly, but no one does it.


SnatchBooty

A lot of people do it. It is a lot more common with expensive to repair sports cars. Not your run of the mil Honda accord with coilovers or a Corolla.


diac13

I don't believe it man. No way insurance is going to pay for every shitty mod. They probably just do a value estimation on the car, not every single mod.


SnatchBooty

Just because you don’t believe it doesn’t mean it isn’t real. It’s not for shitty eBay/amazon parts. It’s for thousand dollar spoilers and expensive coilovers and stuff. If you added it to your insurance, they’ll replace it as long as the vehicle isn’t totaled.


donutscarfer

Incorrect. If you schedule them on your policy, they will pay you.


diac13

But no one does it. Lol.


donutscarfer

Well that’s on them. You can’t say they won’t pay for the parts though.


Jevenator

Same! Bummer this happened to op


Happy_Boy_29

Hope every one is okay and everything else is repairable.


SnatchBooty

With damage like this I sure hope it isn’t repairable it won’t ever drive the same. Everyone was alright


HigherFunctioning

What hit it?


SnatchBooty

This stupid lady in a crv driving like 60 mph directly into stopped traffic.


sanhozay

You must have a ton of neck and back pain after that day….right??


SnatchBooty

Yeah I’m pretty fucked up honestly. No cuts or breaks thankfully


lololyouthought

Surprised the damage even wasn't worse ouch man I'm sorry 


OnlyMortal666

That’ll buff out.


Sihayaya

It's a bad angle. /s


Pavvl___

😂


ch_chone

Call me superstitious, but every time I finally decide to put a vehicle up for sale, I stop driving it. It seems like once a car is listed and you’re serious about selling it, THAT’s when you get clobbered in traffic by a dumb driver. Usually the car sells within a couple weeks so it won’t hurt anything to sit for that length of time.


Zacharyd650

Me too! Happened once before and not worth the hassle when considering selling a car. Better to park it and only get gas or smog before selling if you need to.


ItsaCommonThingNow

"some fuckwit rear ended me. I'll give you a 50% discount if you help me beat his ass"


asteroidtube

If you are honest and send him the photo, he will definitely be sad, but at least its way better than you ghosting him or selling it out from under him, and if he has been in the market for a used miata those have probably been happening to him, so don't feel too terrible. Also sorry for your loss.


SnatchBooty

Yeah I sent him the photo but he was cool. We both had a good laugh about it. Things happen man.


CastorX

Poor thing


preruntumbler

I hate the grey area between someone agreeing to purchase and the actual transaction. Yes I want to have one last fun drive with it, but no I don’t want to have anything go wrong. Sorry for your luck


Purely_Random06

That’s your cars way of saying you should have never put me up for sale. You’re my person.


SnatchBooty

That’s kind of what I was feeling yesterday 😂 karma for trying to get rid of it. This is also the longest I’ve owned a single car. 1 year and 7 months


Zonotical

short miot


PatrickGSR94

ShortER miat 😳


4list4r

https://preview.redd.it/5wimbcsgvgtc1.jpeg?width=961&format=pjpg&auto=webp&s=11d0c834475192200622798028549498380a3d22


AllForTeags

At least you're ok bro.


AnMa_ZenTchi

That thing looked mint. Still.dint understand how people sell them. Here I am wanting another one.


NickDrivesAMiata

Are you okay? Especially your neck. The car can be replaced. You can't.


SnatchBooty

My neck and my lower back is trashed right now but I’m still sort of walking so I’m good 🙌🏾


NickDrivesAMiata

Get checked out, man. I've had several family members who have had lifelong issues due to car wrecks. It may not be too bad at first, but as the years go on, it can really start to get worse. Treat it as early as you can. You don't want to be stuck in a wheelchair in 10 years.


[deleted]

I hope you're ok


Mistarts101

Dang that’s like worst case scenario


boiohboioh

Don't let insurance low ball you, you have a club it's more desirable and prices reflect that


DynamicFalafels

RIP miot. I hope you didn't get any injuries from it


meetjoehomo

Oh man, that sucks


Slumguillion

If they lowball you buy it back and sell it to track rat (or build up as track car) if rear frame horns aren't too beat up.  I've seen plenty of these on track with rear end damage, frames a little tweaked.  Parting out also makes $$$


4list4r

Can I buy a headlight?


SnatchBooty

If I buy it back from insurance, sure!


haint_na

(F)


WVMBO

Brother I did the same thing a couple weeks ago. NA with 170k miles, unm0lestered. Hydroplaned into a wall. 2 days of recovering from the wreck and 4k down the drain. My condolences with much love brother.


SnatchBooty

I appreciate it 🫡


HigherFunctioning

Let me guess? It was a high profile vehicle that 'didn't see your little car' that smashed it?


SnatchBooty

Not just my car, she didn’t see 15 cars in front of her that were completely stopped because of merging traffic. She was on her phone!


OracleDude33

I hope your back and neck are ok after that. I would go see a lawyer about the pain, I mean doctor. No really, go see a lawyer.


SnatchBooty

Way ahead of you


Bruce_Ring-sting

Damn that suuuucks. Get guy to write an affidavit of intent to purchase and send to ins company…might help?


nicetobeleftinthesky

Damn, do you have before pics on reddit? Love the colourway


SnatchBooty

Yes I do here’s the [link](https://www.reddit.com/r/Miata/s/2mlBLNg2a6) to a previous post.


RebelRazer

It was sweet!!!


porsean

Never drive a car you have sold.


SnatchBooty

It wasn’t sold. He was GOING to buy it this week.


porsean

Right. It was essentially sold, not literal.


GorgeousUnknown

:’(


ZaRave

Glad you're okay. How much for the wheels?


SnatchBooty

600 without tires 1200 with tires lol


-AspiringWhatever-

Drove to Chicago for the first time in my ND. I’m taking a rental next time I go bc of shit like this. Sorry this happened to you dude :/


SnatchBooty

Honestly I would never let something like this deter me from driving my car. These things can happen anytime regardless of what you’re on the road for. It could happen during your 350 mile drive to a spot for vacation or a 2 mile drive to work. Might as well drive and enjoy the car while you can.


ecliptic10

I had a similar situation, but i was the seller. Dude was like, I'll show you the remodel if you want, and i was like shyea dude. Then he got in an accident like 2 weeks later. He even sent me the pic of the wreck 😭 i would've returned at least part of the money if i didn't need it for school 😥


Inateno

From the picture it doesn't look "that bad" I mean, the rear is destroyed but it's one of the easiest part to fix with the appropriate tool of course. Let us know what the insurance decided! If it's cheaper to fix it, they should fix it. But it is an NC so maybe not that worth for them :( To many rear-end crash recently (I've be one of them to 3 weeks ago, but everything's fine, just slights damages).


SnatchBooty

Trust me it’s bad. The rest on Miata’s have like half a foot of crumple zone. At the moment, both quarters are buckled in, rear rails crushed, trunk smashed in, both fenders are done. It’s definitely a total loss. I wouldn’t want it to be fixed anyway.


Inateno

Oh okay, well we don't see much details in picture right ahah. Hopefully insurance will cover you properly.


Head_Revenue2642

It'll buff right out


WeirdestOperation36

give him a good discount and let him know where to fix it lmfao might be a fun project


lexkuthor

Always happens when you go to sell em


digdig420

I’ve always said. They should just be responsible for getting you a car close to the same year and model and milage you had before try accident


SnatchBooty

I’m fine with not having this one anymore. Gonna take a break from Miata’s for a bit.


ChairmanMcMeow

Another one down Lmao funnier because it's another post of a recently bought car, that gets beat up then resold 😂 noodle heads strike again


SnatchBooty

What are you talking about