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Model 3 rear ended
- Thread starter dhu1
- Start date
The person who rear ended me. They admitted fault and was responsible to get the car in the condition it was prior to the accident.
drewbaumann
Member
How do you go about letting insurance know about the PPF so they cover it in the event of an accident?
Not sure how to do it before an accient, but after the accident, you just show them pictures of the car. They could clearly see that I had film on the car and where it was damaged. On the photos I posted, you can tell the film is there. I showed them an invoice of how much it was to reinstall from original installers.
drewbaumann
Member
Okay. So when you get insurance you do not need to add this to the cost of the car or anything like that. You just let them know that you had this service and it was damaged.
lynnpt2001
Cookie Monster MX & M3
I think you should advise the Volvo owner to buy a Model 3, the collision avoidance may have prevented this. Sure glad he was driving the "ALMOST" safest car on the road...
firelegend
Member
Yeah some cars are made to CRUMPLE so the car takes the impact instead of your BODY. Honda's squish in. Whiplash is a thing.
So in the US you don't have to advise the insurance company of any modifications to the car?
In Europe you usually do, and if you don't they can invalidate your insurance and any claims you try to make. It can make things like paint protection wraps a waste of money, because the increase in your insurance premium is more than the money to saves you on paint repair.
Fortunately some insurance companies are starting to realize this.
In Europe you usually do, and if you don't they can invalidate your insurance and any claims you try to make. It can make things like paint protection wraps a waste of money, because the increase in your insurance premium is more than the money to saves you on paint repair.
Fortunately some insurance companies are starting to realize this.
jelloslug
Active Member
I’m sure if I was at fault, my insurance company would probably question any after market modifications but in this instance it was the other party’s insurance company and they are obligated to get my car back to the shape it was prior to the accident.
You want the car to absorb the impact and not pass the energy to the passenger. That's what makes a safe car. Looks like the Volvo is well designed to protect the occupant.
Tomski
Member
Tomski
Member
Most insurance companies will cover up to $2k of upgrades without notice. Anything more would not typically be covered. Always best to let them know of any modifications if you want them covered.
The amount of damage from a low speed impact like this is not an indicator of the safety of either car... either good or bad. Cars from 40+ years ago would survive an impact like this with very minor, if any damage but the occupants would have been more likely to have at least minor injuries. As speeds increase, the difference between old & new cars is more dramatic. I'm sure most of us have seen a crash of a race car on TV where the car almost completely disintegrates and the driver walked away. Modern cars are based off of this idea where the car sacrifices itself for the occupants. It's important to remember that car accidents are violent and unpredictable so all you're doing with a "safer" car is improving your odds. There are examples of good & bad outcomes in just about every car during a crash. Cars with better safety features/ratings should, in theory, have less serious injuries per 100/1,000/10,000 crashes but each individual crash is so random that it's hard to predict exactly what will happen.
Getting off of my pro-science soapbox, I'm very bummed for your car but glad you're ok.
Getting off of my pro-science soapbox, I'm very bummed for your car but glad you're ok.
If you want them COVERED, you need to report them. If it's something that might have contributed to the accident, you're potentially in trouble. I don't expect my insurance company to cover my Ceramic Pro coating if I crash the car through my own fault, but if someone else hits me, you can be damned sure I'm going to expect his insurance company to cover it.
I do, however, wonder what would happen if his insurance company is the same as my insurance company. In such a case I might be told "tough feces" and have to pay for reapplication out of pocket, even though that'd be fairly silly.
chibi_kurochan
Member
Do you have pictures of your fixed car? During the 2 months, did their insurance also cover the cost of rental car? or you're driving this around while waiting for parts?
Car is in shop getting springs installed. Will have it back later today. Will try to remember to post pictures later.
During the two months, the car was drivable so no need for rental. Even when it was in the shop for three weeks, I was either out of town or could drive my other cars. Having said that, I am pretty sure the insurance company would have paid...it was a question they asked early on.
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Just got the car back from the shop....a little dirty, but you can see the work they did. Really can't tell that anything had happened.
drewbaumann
Member
Agreed. Looks good as new. And once again I am doubting myself for reserving with the Aeros!
What happened to the Volvo's front is the difference between saving or killing a pedestrian in the advent of a collision!!! Cars move forward so, in order to save pedestrians lives, they need/should have enormous capacity to absorb energy in a frontal collision.
The repair bill for the Model 3 is insane! Ot really hurts one of my possible arguments to change my Model S for a Model 3: that the Model 3, the simpler car for the masses, would be a more inexpensive car to maintain.
The repair bill for the Model 3 is insane! Ot really hurts one of my possible arguments to change my Model S for a Model 3: that the Model 3, the simpler car for the masses, would be a more inexpensive car to maintain.
