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Old 05-03-2013, 10:23 AM   #31
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Originally Posted by Jeffreybomb View Post
You're right: back issues are nothing to ignore. Don't take chances. The guy who hit you should pay for your care rather than you paying for a lifetime of issues that could've been prevented. That's what insurance is for.
I agree 100%. I was in an accident 20 yrs ago driving a Toyota 4WD pick-up that got T-boned. spun me 180 deg around and twisted my back like a pretzel. Never been the same. Don't mess around with this thinking "I'm young, I'll get over it." Those kind of injuries linger your whole life.

Glad you where not seriously injured.

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Old 05-03-2013, 11:06 AM   #32
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Remember, his insurance company works for him, not you. They will try to screw you out of money. Be prepared to fight.

Read through this thread and pay close attention to how jfallon83 and his girlfriend dealt with insurance companies. You'll learn a lot.

The guy who rear-ended you should pay for his mistake. Don't let his insurance company force you into an unfair settlement.
X2 I would contact your insurance company too and they can help fight for you if you are getting low balled. The other thing I would do is check your state laws regarding insurance. There are a lot of laws and regulations out there that a lot of people do not know about. For instance in the state of Illinois if you cannot come to an agreeance with the insurance company on what your vehicle is worth, you can request that they find you a replacement vehicle of the same Make, Model, Year that has less miles and is in as good of shape or better. So make sure that you look at the insurance laws in your state.

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Old 05-03-2013, 11:25 AM   #33
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Hey man,

Like Jeffreybomb mentioned earlier, I just went through something similiar to this. If they decide to total it make sure that you go on autotrader.com, cars.com or some similiar website (not craigslist) and see what Wranglers are going for around your area. The insurance company will try to get an "average value" for your Wrangler using the two cheapest priced Jeeps they can find in the whole country. Make them show you how they got their information and make sure you know the value of your Jeep so that you can defend how much cash you want.

They may try and bully you (or your parents, if it was in their name) into taking a low offer. Be persistent and stand your ground. Wrangler's hold their value better than almost anything else on the road and they are responsible for replacing your investment.

Glad your OK. Let us know how it turns out.
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Old 05-03-2013, 11:31 AM   #34
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Also, if you live in one of the counties in North Carolina that requires emissions, make sure they take that into consideration. The Atlanta area (where I live) requires emissions, but you can find Jeeps outside of the Atlanta area for around $1500 cheaper. We stressed this to the insurance company handling our claim and it was great leverage to get the price we wanted.
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Old 05-03-2013, 11:55 AM   #35
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Back injuries are not fun. I was 19 when I had my motorcycle accident and 9 years later I am still dealing with the effects on an almost daily bases. Get yourself checked out and then get a second opinion. Cars will come and go but you have your back for the rest of your life.
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Old 05-03-2013, 04:09 PM   #36
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It's happened Monday and I still feel a little stiff, like my back needs to be cracked. I'v told my parents and all they say is it will go away and that I'm young it won't be long term, I'm hoping there right, back problems don't sound fun at all.
You need to go see a doctor and have your pain documented. I blew out my back at 19 got it "fixed" , then re injured it 9 years later. Thankfully workers comp picked up the bill. But moral of the story is that back problems are nothing to take lightly. They can haunt you for the rest of your life.
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Old 05-03-2013, 04:15 PM   #37
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Since he hit you that hard, you might have some hidden back or neck injuries. Don't sign any forms saying you are ok yet that the other guy's insurance company may shove in front of you or your parents. I hope you're ok, the Jeep can be replaced.
Take jerry's words to heart. I got rear ended in my Silverado. Didn't have a headrest. 6 years after the accident I got a bulging disc in my neck and wound up on disability for 3 1/2 years. I can survive now but have to have regular visits to the chiropractor.
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Old 05-03-2013, 05:05 PM   #38
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16yrs old and are relegated from driving a Jeep to Yukon... Woe is you, hah hah. At 16 you should be glad to be driving anything not named Pinto, Escort, Fiesta, Chevette or the like...

i don't think that kids now a days know what those vehicles are

my buddies 1st car in high school was a pinto. the delivery car for my 2nd job was a chevette, lol. but isn't the fiesta ford's new car. my other buddy had a festiva we all piled in to go skateboarding, lol.


anyway....what was the outcome with the jeep?
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Old 05-03-2013, 05:27 PM   #39
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Hey everyone! Pretty pissed, the guys lowballed us so bad. He said they'd give us 500 for all the damages. The bumper itself is 300, aside from my radiator, fan, trunk, an other little things. My parents are standing there ground, and are going to start running up their bill until they comply to give us more, there going to get me a rental car and do things to run it up. They are "waiting them out" which means Il be jeep less for a while.

Otherwise, you guys have been tons of help! Thank you all for the good wishes, and I think I'm going to go to a doctor to chec it out, I really don't want problems later on. Again thank you all for the advise! Il keep you posted
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Old 05-03-2013, 06:03 PM   #40
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You need to go see a Chiropractor specifically.....my .02
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Old 05-03-2013, 06:10 PM   #41
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Hey everyone! Pretty pissed, the guys lowballed us so bad. He said they'd give us 500 for all the damages. The bumper itself is 300, aside from my radiator, fan, trunk, an other little things. My parents are standing there ground, and are going to start running up their bill until they comply to give us more, there going to get me a rental car and do things to run it up. They are "waiting them out" which means Il be jeep less for a while.

Otherwise, you guys have been tons of help! Thank you all for the good wishes, and I think I'm going to go to a doctor to chec it out, I really don't want problems later on. Again thank you all for the advise! Il keep you posted
Time to lawyer up.
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Old 05-03-2013, 07:07 PM   #42
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Take the jeep to the best body shop in your area that has a frame machine and have them give a detailed estimate .Request that they check out the frame dimensions since nearly all Wranglers hit in the rear tend to have diamond in the frame afterwards. Also be sure to check the tailgate after removing the spare tire as that area gets damage quite often in a rear end collision. Also check out all of the engine and transmission mounts as the rubber tends to rip.Never accept a settlement or a 'cash out' deal from them,if you have a shop fix it the insurance company is liable for any hidden damage that might show up.Under no circumstances sign any physical injury release-ever!!!! Go get a orthepedic doctor to examine your neck if you are having any pain at all.Belive me it can come back in later years and haunt you.
I was an adjuster for Dairyland Ins Co.several years ago and we were instructed on how to pay as little as possable and get releases signed when ever possable.I quit that job and opened a bodyshop which I ran for 27 years. Take the Jeep to a good body shop and show them the estimate-they will get a laugh and write a real one. Good Luck
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Old 05-03-2013, 07:53 PM   #43
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Take the jeep to the best body shop in your area that has a frame machine and have them give a detailed estimate .Request that they check out the frame dimensions since nearly all Wranglers hit in the rear tend to have diamond in the frame afterwards. Also be sure to check the tailgate after removing the spare tire as that area gets damage quite often in a rear end collision. Also check out all of the engine and transmission mounts as the rubber tends to rip.Never accept a settlement or a 'cash out' deal from them,if you have a shop fix it the insurance company is liable for any hidden damage that might show up.Under no circumstances sign any physical injury release-ever!!!! Go get a orthepedic doctor to examine your neck if you are having any pain at all.Belive me it can come back in later years and haunt you.
I was an adjuster for Dairyland Ins Co.several years ago and we were instructed on how to pay as little as possable and get releases signed when ever possable.I quit that job and opened a bodyshop which I ran for 27 years. Take the Jeep to a good body shop and show them the estimate-they will get a laugh and write a real one. Good Luck
Very helpful! My parents are handling all this, not me. But I am definitely letting them read all this. You Guys have a lot of experience with this stuff hahaha
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Old 05-03-2013, 08:22 PM   #44
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I was 17 when I totaled my first car (2003 Mitsubishi Lancer OZ Rally Edition) that I had a for a total of 1 week and the odometer read 463 mi. by running under a fully loaded log/timber truck. It was raining, the truck had no rear lights illuminated, the truck was not insured and the driver had a suspended license for not 1 but 2 DUIs. Regardless, it was ruled my fault. I walked away from it or so I thought because "I'm young and I'll get over it." Truth be told, I never got over it. About 5 years ago at 22, we discovered 3 bulging discs in my back. Not a week later after this discovery, I was t-boned in another Lancer lol and again back problems. Last year, I t-boned a woman that pulled out in front of me and again back problems. That accident finally totaled the Lancer and eventually got me my jeep after fighting her insurance tooth and nail. Point is, from my personal experience especially seeing that skateboard (I had to give up BMX because of the first accident) go to the doctor and get yourself checked out. It's became difficult for me to stand and play guitar now and I'm 27 not 57. Your jeep can be replaced but your spine could be screwed for life like mine.
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Old 05-03-2013, 08:34 PM   #45
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I was 17 when I totaled my first car (2003 Mitsubishi Lancer OZ Rally Edition) that I had a for a total of 1 week and the odometer read 463 mi. by running under a fully loaded log/timber truck. It was raining, the truck had no rear lights illuminated, the truck was not insured and the driver had a suspended license for not 1 but 2 DUIs. Regardless, it was ruled my fault. I walked away from it or so I thought because "I'm young and I'll get over it." Truth be told, I never got over it. About 5 years ago at 22, we discovered 3 bulging discs in my back. Not a week later after this discovery, I was t-boned in another Lancer lol and again back problems. Last year, I t-boned a woman that pulled out in front of me and again back problems. That accident finally totaled the Lancer and eventually got me my jeep after fighting her insurance tooth and nail. Point is, from my personal experience especially seeing that skateboard (I had to give up BMX because of the first accident) go to the doctor and get yourself checked out. It's became difficult for me to stand and play guitar now and I'm 27 not 57. Your jeep can be replaced but your spine could be screwed for life like mine.
I miss my 04 Lancer Ralliart. I got tboned less than a quarter mile from my house.
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Old 05-03-2013, 09:32 PM   #46
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I miss my 04 Lancer Ralliart. I got tboned less than a quarter mile from my house.
I miss mine... well both of them lol. I contemplate buying one regularly and not using my TJ as a daily driver.

I never had a single issue out of the second one I owned and at the time of the last accident I think it had 162,000 miles on it all of which I put on it. Damn, I miss that car.
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Old 05-04-2013, 07:57 AM   #47
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Did the tub always have that damage near the rear turn signal?
That tailgate should have damage behind the spare tire.
GET the frame checked! Get several estimates.
GO SEE A DR.!!!!!
Write everything down and take photos of everything even the accident scene.
Keep a log of your pain daily.
The more you look professional with the details the better.
They will low ball you over and over again that's just the way insurance companies work.
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Old 05-04-2013, 08:31 AM   #48
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Our bodyshops wont accept Geico, as they refuse to pay standard labor rates. For what it's worth.
Hmmm ...... Maybe I missed it, but I didn't see GEICO mentioned anywhere in this thread. You must be a GEICO hater.

But since you mentioned it, we had 3 vehicles damaged all at the same time, and GEICO was there immediately to make estimates and survey the damages. I chose my body shop, took the vehicles to them, and GEICO paid for the repairs.

Where are you getting your info about GEICO not wanting to pay standard labor rates? According to the LAW, they have to pay the labor rates that are published in the "crash guide" that the shops use. Any other offer of payment is illegal. If a body shop is trying to charge labor rates that are more than the guides show, then they are trying to over-charge. That's not any insurance company's fault.

Care to enlighten us on your local issues?
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Old 05-04-2013, 08:44 AM   #49
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You need to go see a Chiropractor specifically.....my .02
Aww HAIL NAW!

Go see a real medical doctor. I'm not one to scream, "I'm hurt! Gimme money!" at all, but you need to cover your rear in this case. Go to a real orthopedic doctor & get checked out NOW. Some injuries take a long time to show up.

DO NOT sign any medical release forms until the very, very last day you have to according to your state laws (generally 12 months). The insurance company will call & bug the hell out of you but hold your ground. PERIOD.

You can still settle for vehicular damages at whatever amount is negotiated separately from the medical damages at any time. Don't let the insurance companies tell you anything different.

DO NOT sign away (or your parents) your legal right to wait & see if you have latent injuries and do not go see any quack chiropractic "doctor" until AFTER you see a real medical doctor.

On the other hand, don't be a turd & claim injuries unless you really have injuries. Only scum do that.
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Old 05-04-2013, 09:16 AM   #50
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That is my trunk, it's bent it and is almost impossible to open. The insurance company is being weird as hell. My bumper has a tiny dent and they are giving us 300 to replace it, which I love. But then they are only giving us 200 for the trunk, radiator, new paint, and other things in my engine.

By the way, I'm going to a real doctor soon, I talked my mom into and showed her everything you guys have said, so thank you! You all might have saved me from back problems for life!
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Old 05-04-2013, 11:47 AM   #51
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That is my trunk, it's bent it and is almost impossible to open. The insurance company is being weird as hell. My bumper has a tiny dent and they are giving us 300 to replace it, which I love. But then they are only giving us 200 for the trunk, radiator, new paint, and other things in my engine.

By the way, I'm going to a real doctor soon, I talked my mom into and showed her everything you guys have said, so thank you! You all might have saved me from back problems for life!
Like everyone else has said take it to another body shop that does good work and get an estimate from them on the cost of repair, let them do their thing and get u an estimate, then show their estimate to the insurance company. May also want to have the mechanics of it checked out good to check for frame being bent, problems witht the axles being bent, suspension being messed up and anything mechanical that may not be obvious now but will cause problems. A hit that hard could bend some things underneath that aren't noticable.
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Old 05-04-2013, 12:11 PM   #52
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Was the circled area damaged prior to the accident?
Good chance the tailgate hinges are bent along with the pin the tailgate latches to. Just so you know it's not a trunk it's a tailgate.
The insurance company is trying to screw you over and don't let them get away with it. How can they say the frame isn't damaged without putting it on a rack and getting everything checked out.

You were at the wrong place at the wrong time and now they are making you the one who is going to pay for being a young victim. I bet the other vehicle is already in getting repaired.
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Old 05-04-2013, 12:24 PM   #53
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Was the circled area damaged prior to the accident?
Good chance the tailgate hinges are bent along with the pin the tailgate latches to. Just so you know it's not a trunk it's a tailgate.
The insurance company is trying to screw you over and don't let them get away with it. How can they say the frame isn't damaged without putting it on a rack and getting everything checked out.

You were at the wrong place at the wrong time and now they are making you the one who is going to pay for being a young victim. I bet the other vehicle is already in getting repaired.
That was already there. They hit my spare tire, which cusioned it alot. Hitting it bent in my tailgate, and when it got that close it bent my bumper a little. And yes there car is already being fixed.

My car is being fixed as we speak, and Il get it next week. My parents are fighting with the insurance to give us more money for the repairs, but I'm getting the jeep back regardless because I need it for work.

Good new out of all this is my parents are letting me get a 4.25 inch lift and tires, and it's being installed while they fix everything else, so I'm happy, my parents on the other hand will continue fighting with the insurance until we get what we want.
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Old 05-04-2013, 01:03 PM   #54
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That was already there. They hit my spare tire, which cusioned it alot. Hitting it bent in my tailgate, and when it got that close it bent my bumper a little. And yes there car is already being fixed.

My car is being fixed as we speak, and Il get it next week. My parents are fighting with the insurance to give us more money for the repairs, but I'm getting the jeep back regardless because I need it for work.

Good new out of all this is my parents are letting me get a 4.25 inch lift and tires, and it's being installed while they fix everything else, so I'm happy, my parents on the other hand will continue fighting with the insurance until we get what we want.
Well keep us posted about that and about how ur doctors go and what they say about ur back cuz that should be ur main concern
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Old 05-04-2013, 01:53 PM   #55
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My JEEP is being fixed as we speak, and I'll get it next week. My parents are fighting with the insurance to give us more money for the repairs, but I'm getting the jeep back regardless because I need it for work.
I am guessing since your Jeep is being repaired, somebody has verified that the frame is somewhat square and repairable. Along with motor mounts, body mounts, control arm mounts and arms, etc. etc.

Sounds like you and your parents are getting it handled. But just to add...

Getting it drive-able is one thing. Repaired correctly to the condition it was in before he slammed into you is quite another.

I have dealt with insurance companies many times in my half century of existence on this planet. Mostly other people's ins. I know how they work.
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Old 05-04-2013, 04:27 PM   #56
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steve305, insurance company & body shop work the same way around here in MD. just went through a vandalism to my Yukon, where my state farm rep told me that if i bring it to a body shop outside their "list" (but i do that the right to go anywhere) the body shop i bring it to may or may not honor their estimate. they cut me a check when i brought the truck to their estimator to check it out. they said that if i go to any other body shop & their estimate is higher, i would be responsible for the difference.
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Old 05-05-2013, 06:25 AM   #57
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steve305, insurance company & body shop work the same way around here in MD. just went through a vandalism to my Yukon, where my state farm rep told me that if i bring it to a body shop outside their "list" (but i do that the right to go anywhere) the body shop i bring it to may or may not honor their estimate. they cut me a check when i brought the truck to their estimator to check it out. they said that if i go to any other body shop & their estimate is higher, i would be responsible for the difference.
I'm not familiar with MD laws, so I won't comment on that.

However, in Tennessee you can pick the repair facility of your choice and take the vehicle to them. It is up to the insurance adjuster and the body shop to "get together" on the cost of repairs. I like this arrangement because it keeps both parties honest. You are not required to run around and get estimates, etc. Just take it and get it repaired. In my 20 years of working/owning a body shop I can't remember even 1 case where there was a problem.
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Old 05-05-2013, 07:08 AM   #58
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I'm not familiar with MD laws, so I won't comment on that.

However, in Tennessee you can pick the repair facility of your choice and take the vehicle to them. It is up to the insurance adjuster and the body shop to "get together" on the cost of repairs. I like this arrangement because it keeps both parties honest. You are not required to run around and get estimates, etc. Just take it and get it repaired. In my 20 years of working/owning a body shop I can't remember even 1 case where there was a problem.
Had a rubi come in that a few other shops had totaled it I was able to keep it $80 under a total and I am not on there list of shops . They gave me a hard time because I said it could be fixed but in the end they paid
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Old 05-05-2013, 09:01 AM   #59
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I'm not familiar with MD laws, so I won't comment on that.

However, in Tennessee you can pick the repair facility of your choice and take the vehicle to them. It is up to the insurance adjuster and the body shop to "get together" on the cost of repairs. I like this arrangement because it keeps both parties honest. You are not required to run around and get estimates, etc. Just take it and get it repaired. In my 20 years of working/owning a body shop I can't remember even 1 case where there was a problem.

actually, i guess i should have really thought about what i typed . i guess there is a different procedure here in MD for vandalism & collision. i remember with a collision accident the body shop did all the work for me. they had the insurance adjuster come out & if there was something after the initial check, the body shop called them out again & the just did an addendum. the only time i would have had to get multiple estimates is if i wanted to find the best body shop or my choice of body shop. but the last collision accident i had was a long time ago (about 20 years ago)...so i'm not sure what has changed since then.
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Old 05-05-2013, 09:32 AM   #60
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That was already there. They hit my spare tire, which cusioned it alot. Hitting it bent in my tailgate, and when it got that close it bent my bumper a little. And yes there car is already being fixed.

My car is being fixed as we speak, and Il get it next week. My parents are fighting with the insurance to give us more money for the repairs, but I'm getting the jeep back regardless because I need it for work.

Good new out of all this is my parents are letting me get a 4.25 inch lift and tires, and it's being installed while they fix everything else, so I'm happy, my parents on the other hand will continue fighting with the insurance until we get what we want.
Why are you getting a 4 1/4" lift?
What brand lift?
What size and type of tires?

I thought you had a Yukon to use while the Jeep is getting fixed.

You do not need 4.25 of lift to fit 33" tires.
Overkill and a waste of money.

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