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Old 04-13-2013, 09:03 PM   #31
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U always park w the car in gear!!!!(give her the "I told u so") U can't always rely on the e brake. I thought my ex-wife was the only nut that parked w the car in neutral.... It's not smart and had the other person not hit her car; at some point, her jeep could have been the one rolling down the hill and smacking someone

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Old 04-13-2013, 09:22 PM   #32
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Old 04-14-2013, 06:00 PM   #33
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How did you get the jeep back in the parking lot? Did you just pull it back? Looks like you could have pulled it back a bit then jacked the front up to avoid further undercarriage damage... Sure hope the Eclipse was insured... otherwise your own policy should cover uninsured... Deductables on uninsured or under insured?
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Old 04-15-2013, 09:31 AM   #34
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TJ gets owned by an eclipse? NEVER thought I'd see it.


I had an eclipse then I became a real man and bought a jeep.
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Old 04-15-2013, 11:26 AM   #35
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Well, the police were driving up right as I walked out and first saw this whole thing. The officer had an obligation to get it towed off the building immediately and then had to have someone from the fire department come out and inspect the structural integrity of the building. Because of this, a tow truck was called before we could object.

He put his flatbed under the rear wheels and drug it back up with the winch. I was watching very carefully and actually took a video with my phone and I don't believe any damage was done during this. The driver was an older guy who really seemed to know what he was doing. Since it was already up on the truck, we just had them go ahead and take it to the collision shop so that it couldn't be contested by the Eclipse's insurance that we tampered with the vehicle in any way that might have damaged it more.

The officer had a job to do and was just trying to get it done right. He was really nice about it all which helped and the Eclipse's insurance is going to cover the cost of the tow truck.

We should hear something from their claims adjuster some time today and I will keep y'all updated on how it turns out.
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Old 04-15-2013, 06:51 PM   #36
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Wait a minute ......

Nobody has mentioned the fact that YOUR insurance company should be handling this situation. (I only assume that you're smart enough to have insurance?). Go to YOUR insurance company and get them involved. It's their responsibility to represent you. After all ... you ARE their client and policyholder. A layman negotiating with a professional is always going to be a losing deal. Make your insurance company do their job!
The only issue some people have with using their own insurance is that it counts as a claim for you, the victim. If you work directly with the offender's insurance you don't have to take the ding. In addition, you have to outlay the deductibleon your own insurance until the other company pays up, and for State Farm at least, the process for them doesn't even start until your car leaves the shop which means a couple of months start to finish. (Speaking from very recent experience, but at least it wasn't my jeep it was just a car)

Now the upside of using your own is that if you have good insurance with a big company, they will get your car fixed right then sue the pants off the other company if necessary, saving you the hassle of dealing with substandard parts or service.

I myself chose to use my insurance, but had like 10 people look cockeyed at me when I told them. To each his own.
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Old 04-15-2013, 08:02 PM   #37
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The only issue some people have with using their own insurance is that it counts as a claim for you, the victim. If you work directly with the offender's insurance you don't have to take the ding. In addition, you have to outlay the deductibleon your own insurance until the other company pays up, and for State Farm at least, the process for them doesn't even start until your car leaves the shop which means a couple of months start to finish. (Speaking from very recent experience, but at least it wasn't my jeep it was just a car)

Now the upside of using your own is that if you have good insurance with a big company, they will get your car fixed right then sue the pants off the other company if necessary, saving you the hassle of dealing with substandard parts or service.

I myself chose to use my insurance, but had like 10 people look cockeyed at me when I told them. To each his own.
Some insurance companies will refund the deductible provided you're not at fault AND they settle with or successfully sue the other company. In my most recent accident, my ins company just let it go with the other party (probably too much effort) so I didn't get cash back... f*cking parking company valet crashed my car and would not pay up. I wouldn't deal with their insurance company, ever. I told them $2k in cash or else I notify my insurance company, file in small claims court for damages (loss of compensation) due to me having to deal with their non-compliance with CA law in addition to blatantly providing false information. In the end I notified the zoning/permitting office that they were in violation of city ordinance for not posting their permit (once the coppers came out, sure enough, the owner was there in 5 minutes) and stuck my insurance company on them. Unfortunately I still have to park in that garage sometimes, but they don't get my keys.
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Old 04-16-2013, 02:04 AM   #38
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Wait a minute ......

Nobody has mentioned the fact that YOUR insurance company should be handling this situation. (I only assume that you're smart enough to have insurance?). Go to YOUR insurance company and get them involved. It's their responsibility to represent you. After all ... you ARE their client and policyholder. A layman negotiating with a professional is always going to be a losing deal. Make your insurance company do their job!
different starts have different laws..

in MI you would be right with it being a no fault state.. GA might not be a no fault
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Old 04-16-2013, 08:57 AM   #39
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That's horrible. I had my car (before I had my Jeep) parked in my future wife's parent's driveway and an idiot next door ran thru a fence and hit my car. It was in gear and had the parking break on which kept it in the driveway and also prevented it from hitting my future father-in-law's car. I went thru my insurance because I needed the car to get back to school in 2 weeks. A couple months later I got my deductible back.

Good luck dealing with their insurance company, hopefully State Farm is as good as their ads.
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Old 04-16-2013, 12:06 PM   #40
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different starts have different laws..

in MI you would be right with it being a no fault state.. GA might not be a no fault
"No Fault" has absolutely NOTHING to do with it. It is covered under "uninsured motorist" coverage. My insurance covers 2 things ....

1. My stupidity if I screw up.
2. My vehicles & property if someone else screws up.

I have had 2 different occasions where my vehicle was damaged by another party. I immediately did 2 things in both instances. I called the police and got an accident report for my records, and I called my insurance company. My brother is an insurance agent. He strongly suggests that ALL of his clients (not just me) contact him immediately if property that he has issued a policy on is damaged or otherwise compromised. If you have uninsured motorist coverage, your agent should immediately start the repair process and then they will contact the other party's company for reimbursement. Been there, done that. And as far as it causing your premiums to jump or otherwise jeopardize your policy, I would immediately change companies if that happened to me. That's not anything that a good company would even consider.

We had 3 vehicles damaged in a hail storm last summer. The combined cost to the insurance company was upwards of $10,000. We still have insurance with them, and our rates have not changed. Good companies use their heads when it comes to these situations.

You pay insurance premiums to protect yourself. Let your agents do their jobs.
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Old 04-16-2013, 12:57 PM   #41
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I've been a member of USAA for Vehicle Insurance for what 18 years now. Got my first policy when I was 15 years old. They are absolutely amazing. Even extended my coverage for 6 months without paying when I lost my job, until I had the funds to pay them up. Their motto is "We know how to serve." and they mean it.
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Old 04-16-2013, 01:48 PM   #42
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There's a Jeep in this photo?
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Old 04-16-2013, 02:03 PM   #43
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[IMG][/IMG][/QUOTE]

Does anyone else notice anything strange about the Eclipse?
It looks like it's been sitting for years with the growth all over the windshield and hood. I'm surprised they even have it insured, since it doesn't look like it's been driven in years.

Good luck and I hope you get her Jeep fixed without any insurance problems.
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Old 04-16-2013, 02:56 PM   #44
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I've been a member of USAA for Vehicle Insurance for what 18 years now. Got my first policy when I was 15 years old. They are absolutely amazing. Even extended my coverage for 6 months without paying when I lost my job, until I had the funds to pay them up. Their motto is "We know how to serve." and they mean it.
I'm in the Army and agree they have the absolute best insurance ther eis, that's my opinion. Just to add to your statement I'm prety sure their motto is actually "We know what it means to serve" hence them not providing services to someone that has at some point either themselves or someone in their family been affiliated with the military. Years ago they only offered services for Commisioned officers, as the years go on they get less strengent with their rules.
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Old 04-30-2013, 07:54 AM   #45
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Hey Guys,

I just wanted to give an update on the Jeep. The Insurance company did declare it a total loss and gave us a value of $6300. According to AutoTrader.com the cheapest 6 cylinder Jeep we could have bought was for $8500.

I spoke with our insurance company and the woman explained that they get their value for vehicles the same way that they did , so we would have to negotiate with our own insurance first and then they would make the same case against State Farm. So, I decided to just negotiate directly with State Farm and not use our insurance company. This went on for about 2 weeks and they made us an offer of $7700, which I was prepared to take and make due. My girlfriend was not so easily persuaded to take a loss on her beloved "Pink Dragon". She sat on the phone with them for 3 hours, 3 days in row and got them to make an offer of $8600.

When they got the value of $7700 they had done what they call a comparable market research of the surrounding area to get their number. I spoke with a great uncle who is a retired lawyer and he said that I was privy to that research. If you ever find yourself in the same situation, ALWAYS get that research. State Farm put up a big fight over giving it to me and only did after I very stubbornly sat on the phone with a guy for about 2 hours demanding it before I would ever accept anything. Their definition of "surrounding area was one jeep from Miami (10 hours away) and in Charleston, WV (8 hours away) and one was a SE model. I would not call that comparable or the surrounding area and this gave my girlfriend enough leverage to get the last offer.

This morning we got the check and we also retained the salvage title for the old Jeep for $1000 to get the parts off of it we want and part it out. It's a shame that it has a salvage title because it drives perfectly. I don't think the dented oil pan has been pushed into anything. It has good oil pressure and is not making any noises. The oil pan should probably still be replaced, but since I'm parting it, I'm not going to worry about it.

I am going to pick up another black TJ this afternoon that I found on craigslist and start throwing the pink fender flares on it. She wants to call this one the "Pink Phoenix". I will post some pics when we are done.
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Old 04-30-2013, 08:27 AM   #46
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Good for you guys! This is great info. Far too often most of us just take the BS from the insurance companies. You have taught me a valuable lesson, than you.
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Old 04-30-2013, 04:28 PM   #47
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nothing says you have to buy another jeep. i'd keep and fix the one she has.
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Old 04-30-2013, 06:30 PM   #48
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Some insurance companies will refund the deductible provided you're not at fault AND they settle with or successfully sue the other company. In my most recent accident, my ins company just let it go with the other party (probably too much effort) so I didn't get cash back...
To clarify my earlier comment about the outlay of the deductible; State Farm was very up front and said "you will get your deductible back as soon as we collect from the other party." That's what I meant when saying it could be a couple months until they get it back to you.

I agree with the last poster, I wouldn't care about the salvage title if you have a qualified mechanic check it out. A thorough inspection would cost less than the newer jeep you plan on swapping parts to. You don't have to tell a single person that it's a salvaged title unless you sell it, and why would you do that?
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Old 05-01-2013, 08:02 AM   #49
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We have considered keeping the old Jeep. As of right now, I'm in YJ that has seen better days. What we are considering is getting her the new Jeep (we didn't have a chance to go look at it yesterday) and putting her Pink flares on it for her to drive and then fixing the old Jeep to get it a "rebuilt" title so that it can legally be driven by me. Then she would want to sell the YJ, and I would want to turn the YJ into a trail rig. If we're being completely honest, she would probably win that argument because I have too many toys as it is.

However, the problem with that plan lies with the State of Georgia. They are somewhat strict about the process of getting a "rebuilt" title. It has to be rebuilt with a lot of picture evidence and then inspected by a state inspector before it can be approved for the title. Furthermore, the state really want the rebuilding process to be done by a Licensed Re-builder, which I don't have the cash for.

According to the tax commissioner's website, non-licensed re-builders can rebuild up to 2 vehicles a year without a license, but after speaking to several people with experience with this process, they say that the inspector's are EXTREMELY strict and picky when a non-licensed individual has a vehicle inspected. I was even told one story where the inspector took out a torque wrench to check the torque on the bolts holding a fender on to make sure they were within 5 ft/lbs of the factory specs. The guy failed because he had tightened them with a impact gun and almost all of the were too tight. I'm told it is very rare for a non-licensed re-builder to pass.

But, I would still really like to keep this Jeep and would love any input from anyone who has gone through the "rebuilt title" process in Georgia or knows someone who has that I could talk to.
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Old 05-01-2013, 11:18 AM   #50
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This morning we got the check and we also retained the salvage title for the old Jeep for $1000 to get the parts off of it we want and part it out. It's a shame that it has a salvage title because it drives perfectly.
I'd say it's a good thing you've got the salvage rights, because it seems like there's always a huge market of people looking for used factory odds and ends that a lot of popular aftermarket sites just don't sell.

If you've got the ability to store it somewhere for a little while, do that for as long as you're able to sell parts of it off.

Now, that being said: you, uh, wanna get rid of those half doors?

I kid! They're the wrong color.
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Old 05-02-2013, 07:11 AM   #51
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I've been a member of USAA for Vehicle Insurance for what 18 years now. Got my first policy when I was 15 years old. They are absolutely amazing. Even extended my coverage for 6 months without paying when I lost my job, until I had the funds to pay them up. Their motto is "We know how to serve." and they mean it.
I have had USAA for 22 years and have dealt with them many times. I am a magnet for uninsured drivers . If you can get a policy with them do it and you will never regret it.
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Old 05-02-2013, 07:39 AM   #52
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[IMG][/IMG]
Does anyone else notice anything strange about the Eclipse?
It looks like it's been sitting for years with the growth all over the windshield and hood. I'm surprised they even have it insured, since it doesn't look like it's been driven in years.

Good luck and I hope you get her Jeep fixed without any insurance problems.[/QUOTE]


You must not live down south with a lot of pine trees. This time of year the pine pollen can turn a black vehicle yellow over night. I grew up in a part of Mississippi called the pine belt and it was a constant battle to keep my truck clean.
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Old 05-02-2013, 01:27 PM   #53
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Glad no one was hurt, also glad to see that your g/f stuck to her guns and got a fair price from the ins. company.

But, Holy PINK! LoL 0_0

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