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Hello everyone my name is Travis I hate to introduce myself this way but I have been a long time reader and corvette lover for many years and was finally able to buy a 2004 ZO6 for which I have had for 8 months. Last Friday some darn 19 year old kid decided to try and pull a illegal U-turn and ran right over the front of it and destroyed the passenger side door, passenger side finder, hood, I have no passenger side head light, bumper cover, broke the rim, upper A-arm and it even got the drivers side finder, too including all the inner finders. The PCM was lying out on the road still hooked by a couple of wires. I had a friend who is a frame and body expert come out and look at it he said the frame is bent and after looking at the measurements I can safely say it is. The sickest part was I had planed on keeping this car all my life and after owning it only 8 months I have only put 1663 miles on it because it lived in a garage and only saw the best of weather. I feel that is has been totaled but the insurance company feels like maybe trying to rebuild it which I will only accept if a new frame was to be put under it. My Question is who in the state of Missouri near Kansas City if possible and if need be anywhere in the country that has the greatest reputation of doing this kind of work for corvette frames. I want the best place that could put a whole new frame no splicing, but a whole new frame under one of these cars. If the insurance company really decides to fix it I will settle for nothing less but a new frame and front suspension. I am certain you guys understand because this was one of my dream cars that I was to keep forever and I don't want to let a corvette die not without a fight because the C5 ZO6 was the best in looks and performance to me. Please guys help me I am sorry for introducing myself this way I have always been a lurker and not much of a talker but I really do need some help. I will put this on a few other forums in hopes of finding all the help I can get but please any help here would be greatly appreciated.
 

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Really sorry to hear about your car. Personally I'd fight with your insurance company and try to get it totalled. Went through this when my Trans Am got hit and finally got it totalled out. It'd be very hard to get the car right after a major hit like that, plus you'll never get the same resale value down the road. Good luck!
 

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Once a vehicle sustains that kind of damage, it will never be the same! :cry: I know that's not what you want to hear but it's true. Even if they are able to get a brand new frame other problems will surely rise up from disassembeling the car to put it on it's new frame (ie water leaks) ect. Safty issues may go unseen untill it is too late and someone could end up hurt. I would push for the vehicle to be totaled! Sorry for your loss. :z: :usa:
 

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frame damage sucks, its only a corvette there are 6000 more for you to pick from. Get it totalled and get another one through them you'll be happier then if you fix this. and If you said someone pulled and illegal turn and hit you, shouldn't their insurance company be paying you??
 

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Get it fixed and then park it in a bad nieghborhood with the keys in it. j/k

Sorry to hear about your problems, I know I would be sick if something like that happened to me. Insurance companies are scum. I am sure your neck and back are bothering you after an accident like that. ;) If you were to settle with the insurance company for your pain and suffering and sold your car after it was fixed (for a loss unfortunately) you will probably break even and be able to replace your dream car. Isn't it a shame you have to think like this.

Seriously, I would fight the ins company and have them total it and replace it with a new one since it was so new and had hardly any miles on it. Good Luck.
 

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dmtnt said:
It'd be very hard to get the car right after a major hit like that, plus you'll never get the same resale value down the road. Good luck!
Good points! There are major mechanical and safety issues when a car gets hit that hard and suffers significant damage. :mad:

Plus you will loose 25-40% of the resale value that I would demand from the insurance company. I would tell them it was a collector and was used as such. :mad:

I had a car that was broadsided. It was put back together but every mechanic afterwards could clearly see the frame damage and the comment was always, "this car had a major hit!" Plus I had a starter fail a year later that was attributed to the hit but I ended up paying for it. :mad:
 

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My Z06 was totaled by the insurance company when the dealer showed the adjuster that the cockpit tub was cracked. And yes, my frame rails were bent also. They may be able to replace the frame rails, but they would practically have to build a new Z06 if the cockpit tub is cracked. Too cost prohibitive.
 

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First of all, I agree with others that if the frame is bent, I would push very hard with the insurance company to consider it totalled.

If however, that can't be done, I highly recommend Carstar on Vivion Rd in N. Kansas City. They have done work on my Z and one other car and they are excellent. Send me a pm and I will give you the managers name.

Mike
 

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I pulled this off of an Audi Club site.

So your cherished Audi got T-boned by some moron in a rustbucket Tercel, and
you heard that the insurance company might pay you hundreds or even
thousands of dollars for something called a "DV claim". Is it too good to
be true?

No, you heard it right. A diminished value insurance claim lets you recover
losses above and beyond the actual repair costs. It's uncommonly easy to
file and win a DV claim, but most drivers don't know they exist -- and
insurance agents don't suggest them for obvious reasons.

I originally wrote this article in 2002 based on my personal experiences
filing a DV claim on my Audi TT. Since then, I have walked several friends
through similar claims with happy results, so I'm glad to share my notes
with others who might benefit.

Just what is a DV loss?
-----------------------

Once your car has been wrecked, even the best body shop cannot restore the
car to its full before-accident value. Sure, the insurance company will
cover the repair bills, but your car will be worth less -- maybe a LOT less,
depending on the circumstances. That "diminished value" represents a loss
to you, and you have every right to be reimbursed for it.

How do I file a claim?
----------------------

In a nutshell, the procedure is: fix car, get car appraised, get paid.

Before you do anything, let the initial trauma of the accident subside!
There's no urgent need to make the DV claim right away. Relax, set up the
initial insurance claim for the repairs, and let the insurance companies
squabble over who was at fault.

Once you have established the repair claim and finished grieving over your
damaged car, you have two phone calls to make.

First, inform the insurance agent that you intend to file a DV claim. Not
all agents are familiar with them, so keep asking until you find someone who
is. You will eventually need to get your car appraised, so ask whether the
insurance company has any restrictions on who does the appraisal. They will
probably say that you may use any licensed appraiser.

Second, find an appraiser who has prior experience doing DV claims. Don't
make the appointment yet; just confirm that the appraiser is licensed and
has worked on DV claims before.

Once you make those initial phone calls, wait until AFTER the repairs have
been finished. Drive the car for a few days. Convince yourself that the
repairs are completely finished to your full satisfaction, and will not
require any return trips for follow-up repairs. Then, and only then, get
the appraisal done.

The result of the appraisal should be a certificate stating the amount of
the loss. Send a copy of the certificate to the insurance company, and they
should issue you a check with minimal fuss and bother. It is theoretically
possible that the insurance company might challenge your claim, but in my
experience a challenge is unlikely if you use a reputable appraiser.
Speaking of which ...

How do I find an appraiser?
---------------------------

Most body shops can recommend an appraiser. If you live in Virginia, you
can try the one I used:

Lanny Blaine Insurance Appraisal Service
PO Box 365, Catharpin, VA 20143
703.754.1857 or 703.754.0453 (no email address)

Blaine was prompt, friendly and professional, and I recommend him highly.
My total cost was $188 including travel expenses, since he performed the
appraisal at my office in Alexandria.

How much money might I recover?
-------------------------------

The dollar amount depends on three things: your car's value before the
accident, the extent of the damage, and the quality of the repairs.

As a rough guess, figure on recovering 7% of your car's before-accident
wholesale value. For example: My car's wholesale value before the accident
was $30,000. The appraiser estimated my DV loss as 7% of wholesale, or
$2100. That was how much Allstate gave me -- no questions asked. From other
cases I have seen, those numbers are typical.

The appraiser's estimate of 7% was based on two things: the extent of the
damage, and the quality of the repair work.

In my case, the cost of the repair was $6000 (20% of the wholesale value).
The repairs were done by Wagonwork, which is a top-notch shop that restored
the car fairly close to its original condition. If the damage had been more
extensive, or if the shop had botched the repairs, the loss might have been
greater than 7%. If the damage had been light or the shop had done
near-perfect repairs, the loss might have been less than 7%.

Note that your settlement probably will NOT include the cost of getting your
car appraised. That cost is easy to swallow if the DV settlement is a
couple grand. But if your car's wholesale value is only $5,000, a DV claim
may not be worth the effort since it would barely exceed the cost of the
appraisal.

What other resources can I check?
---------------------------------

For another viewpoint, take a look at www.ClaimCoach.com. Apparently, you
can get a "free" estimate of how much a DV claim might be worth. (Take the
word "free" with a grain of salt, since most "free" services are aimed at
getting you to buy something.) You can also get a "Detailed Diminished
Value Report" for $59, but I'd check with the insurer first to make certain
they'll accept the report. I have never used this service, so I don't know
anything about it.

Good luck!
 

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After reading all the responces to you thread, let me say the C5 is a very repairable car. So if the insurance co does not total the car repairing will not be the end of the world. GM has made it easy to replace frame section and even advise on how to do it. Replacing inter tubs and wheel boxes is done with glue(lots). Look at a lot of the T1 race cars out there, a good number are brought back totals. All I'm really saying is the car can look brand new again if done right.

Tony #54
 

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Frame is bent, total it...It will never be the same..resale will be a lot less...Even, if you get it fixed, you will have electrical gremlins and various others problem that will nickel and dime you to death.
 

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A few days before Christmas my wife backed her CTS into a telephone pole. Totally her fault, no other vehicles involved. A couple of weeks after the repair we received a check in the mail for DV from our insurance co.
I was surprised because we filed no claim or mentioned DV at all, they did it on their own.
 

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ROSSO Z said:
I pulled this off of an Audi Club site.

So your cherished Audi got T-boned by some moron in a rustbucket Tercel, and
you heard that the insurance company might pay you hundreds or even
thousands of dollars for something called a "DV claim". Is it too good to
be true?

No, you heard it right. A diminished value insurance claim lets you recover
losses above and beyond the actual repair costs. It's uncommonly easy to
file and win a DV claim, but most drivers don't know they exist -- and
insurance agents don't suggest them for obvious reasons.

I originally wrote this article in 2002 based on my personal experiences
filing a DV claim on my Audi TT. Since then, I have walked several friends
through similar claims with happy results, so I'm glad to share my notes
with others who might benefit.

Just what is a DV loss?
-----------------------

Once your car has been wrecked, even the best body shop cannot restore the
car to its full before-accident value. Sure, the insurance company will
cover the repair bills, but your car will be worth less -- maybe a LOT less,
depending on the circumstances. That "diminished value" represents a loss
to you, and you have every right to be reimbursed for it.

How do I file a claim?
----------------------

In a nutshell, the procedure is: fix car, get car appraised, get paid.

Before you do anything, let the initial trauma of the accident subside!
There's no urgent need to make the DV claim right away. Relax, set up the
initial insurance claim for the repairs, and let the insurance companies
squabble over who was at fault.

Once you have established the repair claim and finished grieving over your
damaged car, you have two phone calls to make.

First, inform the insurance agent that you intend to file a DV claim. Not
all agents are familiar with them, so keep asking until you find someone who
is. You will eventually need to get your car appraised, so ask whether the
insurance company has any restrictions on who does the appraisal. They will
probably say that you may use any licensed appraiser.

Second, find an appraiser who has prior experience doing DV claims. Don't
make the appointment yet; just confirm that the appraiser is licensed and
has worked on DV claims before.

Once you make those initial phone calls, wait until AFTER the repairs have
been finished. Drive the car for a few days. Convince yourself that the
repairs are completely finished to your full satisfaction, and will not
require any return trips for follow-up repairs. Then, and only then, get
the appraisal done.

The result of the appraisal should be a certificate stating the amount of
the loss. Send a copy of the certificate to the insurance company, and they
should issue you a check with minimal fuss and bother. It is theoretically
possible that the insurance company might challenge your claim, but in my
experience a challenge is unlikely if you use a reputable appraiser.
Speaking of which ...

How do I find an appraiser?
---------------------------

Most body shops can recommend an appraiser. If you live in Virginia, you
can try the one I used:

Lanny Blaine Insurance Appraisal Service
PO Box 365, Catharpin, VA 20143
703.754.1857 or 703.754.0453 (no email address)

Blaine was prompt, friendly and professional, and I recommend him highly.
My total cost was $188 including travel expenses, since he performed the
appraisal at my office in Alexandria.

How much money might I recover?
-------------------------------

The dollar amount depends on three things: your car's value before the
accident, the extent of the damage, and the quality of the repairs.

As a rough guess, figure on recovering 7% of your car's before-accident
wholesale value. For example: My car's wholesale value before the accident
was $30,000. The appraiser estimated my DV loss as 7% of wholesale, or
$2100. That was how much Allstate gave me -- no questions asked. From other
cases I have seen, those numbers are typical.

The appraiser's estimate of 7% was based on two things: the extent of the
damage, and the quality of the repair work.

In my case, the cost of the repair was $6000 (20% of the wholesale value).
The repairs were done by Wagonwork, which is a top-notch shop that restored
the car fairly close to its original condition. If the damage had been more
extensive, or if the shop had botched the repairs, the loss might have been
greater than 7%. If the damage had been light or the shop had done
near-perfect repairs, the loss might have been less than 7%.

Note that your settlement probably will NOT include the cost of getting your
car appraised. That cost is easy to swallow if the DV settlement is a
couple grand. But if your car's wholesale value is only $5,000, a DV claim
may not be worth the effort since it would barely exceed the cost of the
appraisal.

What other resources can I check?
---------------------------------

For another viewpoint, take a look at www.ClaimCoach.com. Apparently, you
can get a "free" estimate of how much a DV claim might be worth. (Take the
word "free" with a grain of salt, since most "free" services are aimed at
getting you to buy something.) You can also get a "Detailed Diminished
Value Report" for $59, but I'd check with the insurer first to make certain
they'll accept the report. I have never used this service, so I don't know
anything about it.

Good luck!
If this information is true, this is probably the most insightful information, in regards to car accidents, that I have ever read.
 

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Discussion Starter #16
Thank you everyone for all the helpful and kind words I must apologize for not getting back sooner but the past few days of doctor appointments and meeting with insurance people to have the car taken some place to have a effective appraisal done on it has kept me busy. I got home last night had dinner with the Mrs.’s and went to bed. My shoulder is still causing me pain and had to have X-rays done on it today so more time off work and plenty of paper work. My doctor says he may have a MRI done next to look for any other damage but my shoulder keeps pinching something and putting my little finger and ring finger to sleep. All of this and the darn insurance companies still haven't even decided to total the car yet. I will keep you guys informed on what happens everyone mentioned some very helpful information that I have used already in hopes to help them decide to total the car. I find myself wanting to look and get another one but I still need to be patient and see what happens. I feel like I lost my only child and man does it hurt all because someone wasn't paying attention one minute I get stuck with all this pain and trouble. Thanks you guys again for all the help and sympathy in this dark time for me. Everyone please be careful out there and I pray that this never happens to any of us again or ever for those who have been fortunate enough to never have this happen. I will talk to everyone later take it easy.
 
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