texaggie Posted January 19, 2012 Report Share Posted January 19, 2012 (edited) Hi all, Well, as some on here already know, I was backed into in a parking lot a few weeks ago. The lady backed up and hit my front passenger side. She damaged the hood, front bumper, and a little warping on the grille, and broke the HID headlight on that side. There seems to be no sturctural damage to the frame or the radiator support, but it has not been taken apart yet. So now my questions are... 1. Do I just get the parts repaired, and keep it all "original"?(I do have quite a few mods, but still have all the original parts as well) 2. Do I have the damaged parts replaced? 3. Do I take the money from the lady and trade it in on a new 2012 with the SVTPP, Recaro seats, and Nav, that is being offered at a good price, and put them both towards the new car? 4. Do I go ahead and list the car for sale as is and then use that money and the money from the lady on a new 2012 (as stated above)? The repairs are not disabling, but the bumper has large gashes and a crack, the hood has a pretty good dent and a slight bend/ warp about midway up on the passengers side, the HID turns on (but the case and the mounting bracket are broken), and several plasic clips for the radiator cover are off or broken. I do love my 2008. I have a lot in her. (clutch, 3.73, FRPP Performance pack, FRPP Handling pack, Smaller Pulley and tune, Shelby Leather Interior, Custom painted center console and trunk mounted tool box), and is almost paid for (19 months left) The 2012 Has Nav, Recarro seats, the SVTPP, aluminium engine, a waranty (for however long that lasts ), and would actually be a lower monthly payment (but would be a new loan and more years of payments in relation to the 2008) So any advice/ opinions would be appriciated. Thanks Edited January 19, 2012 by texaggie Quote Link to comment Share on other sites More sharing options...
SVT NAJA Posted January 19, 2012 Report Share Posted January 19, 2012 What are the initial repair estimates to replace all of the damaged parts with OEM? How many miles are on your 2008? I would say if ithe repair is extensive and you have high miles, sell it as is and get a great deal on a 2012... or wait for the 2013. Quote Link to comment Share on other sites More sharing options...
jerseygator Posted January 19, 2012 Report Share Posted January 19, 2012 I voted for Replace... Quote Link to comment Share on other sites More sharing options...
texaggie Posted January 19, 2012 Author Report Share Posted January 19, 2012 42,000 miles. Repairs come in around $4000, OEM Replacements come in around $6000. (The HID assembly has to be replaced either way and is $1000 on its own) Quote Link to comment Share on other sites More sharing options...
AH64DFlyboy Posted January 19, 2012 Report Share Posted January 19, 2012 UPGRADE!!! Get the 2013!!!! LOL Quote Link to comment Share on other sites More sharing options...
verlyn12 Posted January 19, 2012 Report Share Posted January 19, 2012 the 2012 with the recarro seats and svtpp or the 2013! Quote Link to comment Share on other sites More sharing options...
David Hawkins Posted January 19, 2012 Report Share Posted January 19, 2012 Take the Money, Buy Used OEM Parts from TS Members, Have them Repainted and install them yourself. The Parts are easy to install, just Hand Tools needed. Then, with the extra Cash, Take the Wife on a nice long weekend trip. Quote Link to comment Share on other sites More sharing options...
Frank S Posted January 20, 2012 Report Share Posted January 20, 2012 If it weren't just a fancy Ford, it would be worth reconstructing as you like it. Quote Link to comment Share on other sites More sharing options...
SGT/SC#0471 Posted January 20, 2012 Report Share Posted January 20, 2012 www.car-parts.com Buy some parts that are good bolt em on and rock on. Pay off the car. Wait for the next redesign and finance another one if you are so inclined. Or take the payment money and invest it. Quote Link to comment Share on other sites More sharing options...
Don Johnston Posted January 20, 2012 Report Share Posted January 20, 2012 How much would you expect to get on a trade-in as is with all the damage? You should drive it to a dealer and find out. Even if you repaired it, there would be a vehicle damage report from the insurance claim that would reduce the trade-in value. I expect it would be a weak trade-in now. I would go with the suggestion to get OEM parts and fix/paint it yoursel and wait to trade it for a 2013. Of course this all depends on wether the insurance claim would pay you directly or require you to take to a shop for repair and pay them. Quote Link to comment Share on other sites More sharing options...
AndyGJ Posted January 20, 2012 Report Share Posted January 20, 2012 Make sure her insurance company pays for OEM parts...if her company won't do it correctly, then see if your company will pay for the repairs minus your deductible until they successfully collect from her insurance company. If it was a State Farm claim, then State Farm would be paying for OEM parts directly - no questions asked. Also, don't forget to demand payment for Diminished Value...that is a required payment by law in GA that all insurance companies MUST pay based on the value of the vehicle, the mileage on the vehicle, how many surfaces were damaged, and the total cost of repair. I would have it repaired by a professional shop, all with OEM parts, pocket the Diminished Value check as part of your hassle factor for all the legwork....that could be an easy $600 to $1000 alone...so make sure you get what you deserve to get you back to your pre-loss condition. That is what the insurance mechanism is meant to do for you. With the correct repair job and OEM parts, it will always be easy to sell to the next lucky guy who can drive it like it stole it as well. Be sure to take before and after pictures to show any potential buyers the extent of the damage and condition afterwards...will help overcome the fact that it was damaged when you go to sell it. PM me if you have any direct questions and if I can help you any. Good Luck! Andy. Quote Link to comment Share on other sites More sharing options...
texaggie Posted January 20, 2012 Author Report Share Posted January 20, 2012 Thanks for the input. Still not sure which way to go. So, please keep the opinions coming. As for the insurance issue, it isn't one. The lady was did not have any. It started as a hit and run, but I got lucky because a client of mine happened to be pulling in to a parking spot and saw the lady do it. She got her plates. So, the cops pulled them up on their computer. Now the lady is paying me cash. She gave me half of the money for replacing the parls on thursday, and the other half is coming before the end of the month. She runs a restaurant in the same center I work, so she has to pay otherwise the cops will come and pick her up and I will have to prosecute her for hit and run and then sue her for non payment. In the state of Texas a hit and run, on an unoccupied vehicle, for a first time offende,r carries a penalty of up to 3 months in state prison, a loss of your license for 6 months and a minimum of a $200 fine. Quote Link to comment Share on other sites More sharing options...
mauijim Posted January 21, 2012 Report Share Posted January 21, 2012 I would vote for getting a quality shop fix it and get it payed off! They always drive better when they aren't pulling a payment book! Quote Link to comment Share on other sites More sharing options...
ceswert Posted January 22, 2012 Report Share Posted January 22, 2012 Having more than one car loan can be bad for your health and your bank acct. This is such a very personal decision. Take it one step at a time. Repair it first, then see how you feel. Quote Link to comment Share on other sites More sharing options...
texaggie Posted January 22, 2012 Author Report Share Posted January 22, 2012 (edited) Ok, first, for those of you who think I should trade, what problems (clutch, suspension, trans, etc.) can I expect to run into with the 2012? I have already dealt with all of it with the 2008, and would not want to go through it again. (After fighting with Ford twice, I finally replaced the dlutch myself with a SPEC clutch.) Second, even with the diminished value, I should at least get more than I owe on the Shelby. Part of the reason that I am really thinking about keeping it (don't owe much). Edited January 22, 2012 by texaggie Quote Link to comment Share on other sites More sharing options...
creilly333 Posted January 26, 2012 Report Share Posted January 26, 2012 If it were me I would get rid of it and get a good deal on a loaded 2012. I have a 2012 with SVTPP and Recaro's and love it. From my own experience I can tell you that once a car is repaired I never feel the same about it, but that's just me. Colin Quote Link to comment Share on other sites More sharing options...
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