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Old 02-16-2014, 02:48 PM   #1
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Got Hit Today, Advice Please

Hi All,
Got hit by a teenage texter with no insurance today (and was pushed into a '13 Lexus 350). Rear tire and bumpers took the hit, so I need to make a decision to file a claim or not (think I have a $500 uninsured deductible). Looks like back gate might be pushed in a very little, but spare covers it and gate seems to work fine. I was stopped, not sure how fast she was going, but her Trailblazer is all busted up (plastic EVERYWHERE).
So: how easy/possible is it to remove dimples from plastic bumpers? Tire carrier? Suggestions?

Thanks,

S

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Old 02-16-2014, 02:59 PM   #2
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You have a couple of options:
  • Drill small holes behind the damaged area (hidden areas) to insert a small but stiff dowel rod. Gently push from the outer most areas of the dimple, working your way towards the center of the damaged area.
  • Cut the damage area off and install bumper caps
  • Buy a replacement bumper (seems like there are a few OEM for sale in our forums)
  • Leave it as is
  • Buy a fully equipped off road bumper with swing out tire carrier.
As for any body damage.. Body Armor (be it plastic or metal) works best for covering up unsightly areas.

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Old 02-16-2014, 04:19 PM   #3
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Also consider searching Craigslist for bumper takeoffs. Depending on where your area, you can usually find those for about $100.
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Old 02-16-2014, 05:15 PM   #4
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Pretty sure my bumper is up in the attic, you can have it if you want to drive to CT.

I got hit by a girl without insurance too - I threatened her with small claims court & she finally coughed up the money to replace my bent tie rod. Good luck.
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Old 02-16-2014, 05:27 PM   #5
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Sueby, where abouts are you in CT?

The damage to the front bumper is on the bottom of the nubs 2/3 of the way in each side, so the end cap thing wouldn't work.

Sounds like y'all would just fix and move on. Anyone know the process of small claims court, and does it matter if the girl was driving her mom's car?
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Old 02-16-2014, 05:28 PM   #6
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PS It seems like the plastic bumper portion is pretty solid on those nubs- what's the chance I can push them back out?
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Old 02-16-2014, 05:38 PM   #7
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Did anyone go to the hospital immediately after the accident?

Did the police arrive and fill out a report?

What is the status of the Lexus?

Where pictures taken immediately after the accident?

Off the top of my head the Lexus guy is going to sue you both. I don't know if there's an injury threshold in CT like in other states to prevent nuisance lawsuits. So you may want to put your carrier on notice. Not to be the bearer of bad news, but since the teen is uninsured, there's a good chance the Lexus might blame you (like you were negligent for stopping so close to the vehicle to your front). I'm guessing your policy requires you to give immediate notice to your carrier as soon as the situation allows.
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Old 02-16-2014, 05:42 PM   #8
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The insurance company already knows. Police showed up and filed a report, pics were taken. Lexus had a cracked rear taillight and no injuries.

We weren't actually stopped, we had just started to move so I didn't have my brakes on.
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Old 02-16-2014, 05:43 PM   #9
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So you put the carrier on notice?
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Old 02-16-2014, 05:45 PM   #10
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You mean my insurance? Yes, I called and filed the claim.
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Old 02-16-2014, 05:49 PM   #11
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I'm in E Hartford. I just checked - the rear bumper is up there.

Small claims her in CT is no biggie, you fill out a form, pay a fee & wait for them to send you a court date. The chick that hit me took off, thankfully the cop was a Jeep guy so he helped me out a little with tracking her down. I have no clue how small claims works in NH.

On another note, I was rear ended bad - the woman in front of me stopped dead merging onto the highway, I stopped completely & didn't hit her. Then along comes the woman behind me who never even saw me - she slammed into me doing about 50 & plowed me into the car in front of me. I was the only one who didn't get a ticket because I was completely stopped so it wasn't my fault I got pushed into the car in front of me. Not sure if that relates to OPs accident or not, but it's not ALWAYS your fault if you hit another car. It's all gonna depend on what the accident report says & who got ticketed.
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Old 02-16-2014, 05:51 PM   #12
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That was going to be my advice. You could run into issues if the Lexus and/or teen start to escalate and you put the carrier on notice weeks later.

I'm sure others on this forum know better than I, but with this kind of relatively minor damage I'd just pay out out of pocket. It might trigger the carrier to put the incident on the car fax report and cause an issue down the line.

With no one hurt Lexus my just eat his own damages. He/she prob had a deductible as well. Not really worth the time in small claims court to recoup ~$300 to fix a tail light. My .02.
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Old 02-16-2014, 05:56 PM   #13
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People knowingly sue others without fault all the time. Ppl with money (or insurance) are the targets in lawsuits, not necessarily those at fault.
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Old 02-16-2014, 05:57 PM   #14
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I would let the insurance adjuster look it over and see what all they find.. Might be more damage than you think!
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Old 02-16-2014, 05:58 PM   #15
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Sueby, you happen to have a front, too?! Maybe I can find someone in CT with a front and make it a day trip! I'll be in touch in the next couple days, after hearing from my insurance.
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Old 02-16-2014, 06:02 PM   #16
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I would let the insurance adjuster look it over and see what all they find.. Might be more damage than you think!
What I was thinking. Plus, the shop down the street that did my hood and windshield last summer (hit by a rogue highway object) will do a free estimate. I can always cancel the insurance claim if I decide to pay out of pocket, right?
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Old 02-16-2014, 06:04 PM   #17
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Nope - just the rear.
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Old 02-16-2014, 06:31 PM   #18
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Nope - just the rear.
Ha ha, ok! Thanks again- I'll be in touch.
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Old 02-16-2014, 07:03 PM   #19
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There is somebody in MA listing bumpers,running boards and a few other pieces on craigslist. Good Luck
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Old 02-17-2014, 07:35 AM   #20
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and does it matter if the girl was driving her mom's car?
Maybe. If the Mom's an insured motorist in her own vehicle, and was allowing her daughter (I assume daughter's a minor) to drive the auto uninsured, then you should go after the mom's insurance company. Ultimately she's responsible unless the car was stolen.

If the auto was completely uninsured, then I'd go after both in court and let the judge sort out who's responsible.

I would say that if the mom has insurance and was letting the daughter drive uninsured, she's gonna be pretty motivated to make this go away, so I'd definitely have your insurance company go after the mom.

I have two teen drivers in my household and both are insured to drive any of our vehicles. No way I'd let them otherwise. Also, their first ride is a '93 Ford Ranger with manual transmission. I required each to learn to drive stick and it makes it more difficult to text while driving. I'm amazed at how big a problem that really is on the roads today. I see dozens of people driving with their heads down daily. It's really scary when you think about how many distracted drivers there are these days.
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Old 02-17-2014, 07:46 AM   #21
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I would go after them just to prove a point to everyone out there...It is not OK to text and drive. Thank god no one was hurt, could have been a lot worse.
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Old 02-17-2014, 07:47 AM   #22
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Originally Posted by thinkxingu View Post
Hi All,
Got hit by a teenage texter with no insurance today (and was pushed into a '13 Lexus 350). Rear tire and bumpers took the hit, so I need to make a decision to file a claim or not (think I have a $500 uninsured deductible). Looks like back gate might be pushed in a very little, but spare covers it and gate seems to work fine. I was stopped, not sure how fast she was going, but her Trailblazer is all busted up (plastic EVERYWHERE).
So: how easy/possible is it to remove dimples from plastic bumpers? Tire carrier? Suggestions?

Thanks,

S
My main concern in your case, besides the legal issues mentioned previously, would be damage you may not see. I know folks hate to admit it but when JKs get hit they are quite fragile. I have seen rear axle brackets and housings bent in very minor incidents. Go get your free estimate…
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Old 02-17-2014, 07:49 AM   #23
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I would go after them just to prove a point to everyone out there...It is not OK to text and drive. Thank god no one was hurt, could have been a lot worse.
I'm not sure if she was texting, but she certainly was distracted.

I'll be talking to my insurance company to see if they'll go after her or if I have to. I have uninsured coverage, but not sure how that works.
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Old 02-17-2014, 07:51 AM   #24
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My main concern in your case, besides the legal issues mentioned previously, would be damage you may not see. I know folks hate to admit it but when JKs get hit they are quite fragile. I have seen rear axle brackets and housings bent in very minor incidents. Most shops give free estimates…go to a reputable one and get it looked at.
Bringing it to the shop in an hour- from the looks of it, the rear bumper was barely touched as the tire took most of the blow and I moved forward into a soft Lexus (my front bumper went over his and into the deliciously fragile taillights).
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Old 02-17-2014, 09:27 AM   #25
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Just spoke to State Farm (they really are easy to deal with) and because I'm not at fault it will be covered with no deductible or increase in my rates.

I'll confirm when it comes true, but for now: celebrate little victories.
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Old 02-17-2014, 09:40 AM   #26
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I am in the same situation with State Farm, I was rear ended by some one not paying attention. State Farm is easy to deal with, however DO NOT let their adjusters look at your damage ( take It to one of their listed approved body shops). The adjuster will only approve a fraction of the actual damage. No matter what the actual damage, insurance company will only approve the adjusters quote.
In my case the body shop said bumper, tailgate, spare tire, muffler, and rear frame crossmember needed to be replaced/repaired. Adjuster quoted only bumper cover, and rear frame crossmember.
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Old 02-17-2014, 09:46 AM   #27
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I am in the same situation with State Farm, I was rear ended by some one not paying attention. State Farm is easy to deal with, however DO NOT let their adjusters look at your damage ( take It to one of their listed approved body shops). The adjuster will only approve a fraction of the actual damage. No matter what the actual damage, insurance company will only approve the adjusters quote.
In my case the body shop said bumper, tailgate, spare tire, muffler, and rear frame crossmember needed to be replaced/repaired. Adjuster quoted only bumper cover, and rear frame crossmember.
If the auto body has a history/account with State Farm, there's none of the adjuster nonsense. At least there wasn't for me this past summer. Of course, I used the auto body that the owner uses, which I'm sure made things easier.
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Old 02-17-2014, 11:03 AM   #28
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If the auto body has a history/account with State Farm, there's none of the adjuster nonsense. At least there wasn't for me this past summer. Of course, I used the auto body that the owner uses, which I'm sure made things easier.
Adjusters only "write" what they can "see" so it there is damage that is only revealed once a bumper/panel/component is removed you will need them to come and re-adjust the claim. Like mentioned above…the body shop should complete a more comprehensive quote.
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Old 02-17-2014, 11:46 AM   #29
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Hi All,
Got hit by a teenage texter with no insurance today (and was pushed into a '13 Lexus 350). Rear tire and bumpers took the hit, so I need to make a decision to file a claim or not (think I have a $500 uninsured deductible). Looks like back gate might be pushed in a very little, but spare covers it and gate seems to work fine. I was stopped, not sure how fast she was going, but her Trailblazer is all busted up (plastic EVERYWHERE).
So: how easy/possible is it to remove dimples from plastic bumpers? Tire carrier? Suggestions?

Thanks,

S
Sorry, I feel your pain, My last 2dr got hit by a loose wheel off of an oncoming F150, who didn't have an insurance. Bumper took a good hit but no airbag deployment (hit was between the crash cans) and frame damage. State farm took care of it but got to pay $500 deductible for uninsured and 2yrs later State farm contacted back saying, the other guy was broke and could not recover my deductible. So I ended up spending $500 and car fax report for an accident. But its all done at the dealer with proper paper work and didn't dropped my resale value when I traded in for my current 13JKU.
Better check for frame damage and if so, I'd recommend do the fixing with an authorized dealer to keep the records clean, just in case for future trade. Good Luck!!
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Old 02-17-2014, 12:34 PM   #30
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I hate uninsured motorists, they should go immediately to jail until they can pay up. I've been hit by 2 drunks, one had insurance but damage was minimal and he didn't want it on his record so paid cash. The other I took to small claims court and hounded his butt for 3 years garnishing his wages. Follow the jerk to work several times to figure out where he was working. Total scum bag. My insurance company didn't want to chase him, they fixed my car and said I was free to go after him without paying them back, took 3 years and I enjoyed making his life miserable hell too LOL.

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