Thread: Bought my dream car . . . yet . . . Fuck. My. Life. . . .

Kinda miffed, the adjuster hasn't called yet.

Adjuster call, took my statement. While taking my statement & telling him the dates of when I bought the car, date of the "incident" & date/time telling the insurance company about when I bought the vehicle, he acted like it might not be covered.

Turns out, 30 days notificaiton is for liability only. It's 7 days if you're replacing a vehicle, 4 days if you're adding a vehicle (my case). I still was with in the window, but I was concerned for a few hours until I emailed him the contract & he responded quickly after the "management review".

Better check the dealer's insurance then. And barring that... Do you JUST have your car with your insurance company? If you are like me and have car, bike, house with them a good threat of taking all of your business elsewhere carries a bit of weight.

My friend in Tennessee had a tornado destroy his apartment. He just moved up there for a job and lost all of his personal belongings he brought with him in the storm. To top it off, he didn't have renters insurance. The only good thing is that this has motivated him to buy a house since the job has become permanent.

Thank God he was at work when this happened, otherwise he would no longer be with us.

Originally Posted by HeavyG

My friend in Tennessee had a tornado destroy his apartment. He just moved up there for a job and lost all of his personal belongings he brought with him in the storm. To top it off, he didn't have renters insurance. The only good thing is that this has motivated him to buy a house since the job has become permanent.

Thank God he was at work when this happened, otherwise he would no longer be with us.

Man that sucks. At least he was ok. I used to not have renters insurance then I thought about what would happen. I'm responsible for 2 other people (wife/daughter) so by not having it I'm putting them at risk. It's amazing how fast household items add up even if you don't have a lot of jewelry or fancy furniture.

Adjuster just looked at the car. She said this is the worst she's seen this year, but it's not even top 10 (think baseball sized hail going to town).

$6100 + $500 deductible. Not totaled.

To me it doesn't make sense since we're talking Cadillac parts & a neighbor with a Dodge Magnum got some where between $7500 - $8500 on his claim.

I want to go to a Cadillac dealership to see about an estimate from there.

Anyone in DFW have an EXTREMELY SOLID body shop recommendation? I am nitpicky & can see messed up paint, so I want it done right ONCE.

My mom's husband works for a Chevy dealership in Plano. If you want I can see who they use/recommend.

Also, just take it to the shop of your choice. If they say it is more to repair it then just have them give you an estimate and send it to your insurance company for a supplement.

Originally Posted by CivilWars

My mom's husband works for a Chevy dealership in Plano. If you want I can see who they use/recommend.

Also, just take it to the shop of your choice. If they say it is more to repair it then just have them give you an estimate and send it to your insurance company for a supplement.

I'm interested in any & all info at the moment . . .

Dropped the car off at Sewell yesterday & got a call from Sewell today. They've filed a supplemental with my insurance agency. The agency is going to come back to inspect or something.

Thus far, Sewell has said:
new hood
new roof
new passenger door skins
new trunk decklid
new right front fender
new unibody side panel (rear quarter to a pillar)

Minor PDR on the driver side with a few dents. There are a few dents on the driver side roof rail/rear quarter/front fender. I kinda hope they replace the left front fender so they have to repaint the driver side. There's a couple of very minor scuffs/scratches on that side I'd like to see disappear.

Code:

05/18/2011 at 02:24 PM Job Number: ####
PRELIMINARY ESTIMATE
2006 CADI CTS-V 8-6.0L-FI 4D SED SILVER Int:
-------------------------------------------------------------------------------
NO.     OP.     DESCRIPTION                 QTY     EXT. PRICE  LABOR   PAINT
-------------------------------------------------------------------------------
1       ROOF
2       Repl    Roof panel w/sunroof        1       889.75      19.5    3.0
3               Add for Clear Coat          0       0.00        0.0     1.2
4       Repl    RT Roof molding             1       120.27      0.5     0.6
5               Add for Clear Coat          0       0.00        0.0     0.1
6       Repl    LT Roof molding             1       124.48      0.5     0.6
7               Add for Clear Coat          0       0.00        0.0     0.1
8       FRONT BUMPER  
9       R&I     R&I bumper assy             0       0.00        1.5     0.0
10      FRONT LAMP
11      R&I     RT R&I headlamp assy        0       0.00        0.5     0.0
12      Repl    RT Marker lamp              1       31.17       0.3     0.0
13      Repl    LT Marker lamp              1       27.10       0.3     0.0
14      HOOD  
15      Repl    Hood                        1       998.49      1.7     2.6
16              Overlap Major Adj. Panel    0       0.00        0.0    -0.4
17              Add for Clear Coat          0       0.00        0.0     0.4
18              Add for Underside(Complete) 0       0.00        0.0     1.3
19      FENDER
20      Blnd    LT Fender                   0       0.00        0.0     1.1
21      Repl    RT Emblem "V"               1       75.96       0.2     0.0
22      Repl    LT Emblem "V"               1       75.96       0.2     0.0
23      PILLARS, ROCKER & FLOO
24      Repl    RT Uniside assy             1       1818.37 s   26.5    6.4
25              Overlap Major Adj. Panel    0       0.00        0.0    -0.4
26*             Add for Clear Coat          0       0.00        0.0     1.2
27              Deduct for Overlap          0       0.00       -2.5     0.0
28      R&I     RT Rocker molding ft CTS-V  0       0.00        0.6     0.0
29      R&I     LT Rocker molding ft CTS-V  0       0.00        0.6     0.0
30      R&I     RT Rocker molding rr CTS-V  0       0.00        0.6     0.0
31      R&I     LT Rocker molding rr CTS-V  0       0.00        0.6     0.0
32      FRONT DOOR
33      Repl    RT Outer panel              1       472.29      6.5     2.0
34              Overlap Major Adj. Panel    0       0.00        0.0    -0.4
35*             Add for Clear Coat          0       0.00        0.0     0.3
36              Add for mirror              0       0.00        0.4     0.0
37              Add for Edging              0       0.00        0.0     0.5
38              Add for Clear Coat          0       0.00        0.0     0.1
39              Add for Inside              0       0.00        0.0     0.5
40              Add for Clear Coat          0       0.00        0.0     0.1
41      Repl    RT Glass w'strip            1       191.14      Incl.   0.0
42      Repl    RT Applique                 1       80.33       Incl.   0.0
43      Repl    RT Side molding             1       102.77      0.4     0.5
44              Overlap Minor Panel         0       0.00        0.0    -0.2
45*             Add for Clear Coat          0       0.00        0.0     0.1
46      R&I     RT Mirror assy w/o pwr fold 0       0.00        Incl.   0.0
47      R&I     RT Door glass GM            0       0.00        0.5     0.0
48      R&I     RT Handle, outside          0       0.00        Incl.   0.0
49      REAR DOOR               
50      Repl    RT Outer panel              1       415.16      6.5     2.0
51              Overlap Major Adj. Panel    0       0.00        0.0    -0.4
52*             Add for Clear Coat          0       0.00        0.0     0.3
53              Add for Edging              0       0.00        0.0     0.5
54              Add for Clear Coat          0       0.00        0.0     0.1
55              Add for Inside              0       0.00        0.0     0.5
56              Add for Clear Coat          0       0.00        0.0     0.1


-------------------------------------------------------------------------------
NO.     OP.     DESCRIPTION                 QTY     EXT. PRICE  LABOR   PAINT
-------------------------------------------------------------------------------

57      Repl    RT Upper w'strip            1       27.75       Incl.   0.0
58      Repl    RT Glass w'strip            1       179.07      Incl.   0.0
59      R&I     RT Belt w'strip             0       0.00        Incl.   0.0
60      Repl    RT Body side mldg           1       103.55      0.4     0.5
61*             Add for Clear Coat          0       0.00        0.0     0.1
62      R&I     RT Vent glass GM            0       0.00        1.0     0.0
63      R&I     RT Door glass GM            0       0.00        Incl.   0.0
64      R&I     RT Handle, outside          0       0.00        Incl.   0.0
65      QUARTER PANEL               
66      Blnd    LT Quarter panel            0       0.00        0.0     1.4
67#     Blnd    L ROOF RAIL                 0       0.00        0.0     1.0
68      TRUNK LID                   
69      Repl    Trunk lid                   1       854.19      1.8     2.3
70              Overlap Major Adj. Panel    0       0.00        0.0    -0.4
71*             Add for Clear Coat          0       0.00        0.0     0.4
72              Add for Underside(Complete) 0       0.00        0.0     1.1
73      Repl    Nameplate "CTS"             1       29.00       0.2     0.0
74      Repl    Nameplate "CADILLAC"        1       16.19       0.2     0.0
75      Repl    Nameplate "V"               1       75.96       0.2     0.0
76      R&I     Trunk trim panel            0       0.00        Incl.   0.0
77      REAR LAMPS                      
78      R&I     LT Tail lamp assy           0       0.00        0.4     0.0
79#     Repl    SEALER                      1       140.00      0.0     0.0
80#             HAZARDOUS WASTE             1       5.00        0.0     0.0
81#             COVER CAR                   1       7.00        0.0     0.3
82#     Refn    COLOR SAND AND BUFF         0       0.00        0.0     2.5
-------------------------------------------------------------------------------
Subtotals ==>                                       6860.95     70.1    33.6

Parts                                               6860.95
Body Labor      70.1 hrs @ $ 42.00 /hr              2944.20
Paint Labor     33.6 hrs @ $ 42.00 /hr              1411.20
Paint Supplies  33.6 hrs @ $ 32.00 /hr              1075.20
----------------------------------------------------
SUBTOTAL                                          $12291.55
Sales Tax       $ 7936.15 @ 8.2500 %                 654.73
----------------------------------------------------
GRAND TOTAL                                       $12946.28
ADJUSTMENTS:
Deductible                                             0.00
----------------------------------------------------
CUSTOMER PAY                                         $ 0.00
INSURANCE PAY                                     $12946.28

*LE SIGH*

Sewell called to say insurance will allow for the unibody panel AND not total it. Work should begin soon. They've had it for two weeks, but got nothing done because of going back & forth with insurance. It'll be another three weeks before it's done!

Sewell will work with me on a custom hood if I pay the difference.

Finally, but it sucks being without the V for so long because I had a lot of fun driving it for the time I had it!

Final total is $12.9k.