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Unbelievable.....


FordRocks1

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Well, my SGT was involved in a accident two days ago at work while parked. A Physician stated that her foot slipped off of the brakes and pressed the gas pedal as she was turning to park in the lot behind my vehicle. She did hit another car then hit mine on the right rear pushing my car into the next white car next to mine. No one was hurt luckily, she (the Doctor) was just a bit roughened up otherwise fine.

I know it's only a "car" to many but man I'm just saddened seeing the carnage.

Now I'm still waiting for the adjuster from USAA to come assess the damage. The body shop states that the quarter panels will most likely be replaced.....I was like, you mean cut it out? I know there is more to cosmetic damages, if y'all don't mind, can y'all tell me what I should be looking specifically to get checked out, replaced and or repaired? I hope the suspension is ok....

All I know is that I want OEM parts back but State Farm (her insurance) is kind of already giving a hard time when I stated that....damn it, only 6 payments to go and this happens....

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8C5FF512-BF45-4C30-9627-FBD462926B6C-458

BF8463C8-CAF2-4730-AE0B-906BF3FFAD19-458

42A7D59F-11AF-4CD8-977D-32BF455A2E84-458

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I am speechless. Sorry to see this. I would be beside myself. Proves you are not even safe in parking lots. I would check all the door/fender gaps even up front. Looks like it was a pretty good hit. I hope you get this resolved to your satisfaction.

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State Farm is who I have as an insurance company. It will be interesting on how well they treat you this will determine on if I keep them or not.

 

I can't imagine how you feel I would be so devastated. This sort of thing is why I rarely leave my cars out of my site and why I park a mile away from any other cars. My family is so use to me parking at the other side of the parking lot they don't even question it anymore.

 

It hurts to even look at the photos.

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I'm in the insurance business. If State Farm gives you any more crap, let them know you have already spoken with your attorney about the incident and may pursue legal recourse against the insurance company and the physician if for any reason your car is not repaired back to its original state. The purpose of the insurance is to make you whole.... not short change you with cheap aftermarket parts. You'll also want to make a claim for "diminished value" of a classic car. Make sure you note this is a SHELBY and not a regular GT Mustang. The insurance adjuster's job is to try to repair your car for the least amount of expense. Your job is to make sure they get it done right. Hold your ground my friend. I know this is frustrating.

 

Edit

 

Oh yeah... Make sure you get three quotes from reputable body repair shops and explain that you want OEM parts. Their appraisals are your first line of defense and should all be in the same ball park.

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She hit you. Tell State Farm they have no choice - OEM parts end of conversation. Aftermarket collision parts are garbage. You also need to get paid for diminished value on your GT. Just an FYI on the quarter panels. At the factory, the entire side of the Mustang from the A pillar all the way back is a one piece stamping.

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State Farm is who I have as an insurance company. It will be interesting on how well they treat you this will determine on if I keep them or not.

 

I can't imagine how you feel I would be so devastated. This sort of thing is why I rarely leave my cars out of my site and why I park a mile away from any other cars. My family is so use to me parking at the other side of the parking lot they don't even question it anymore.

 

It hurts to even look at the photos.

I usually do park far away except at work because I don't dare park with the patients park so I my only choice is park in the employee lot. I get to work an hour early so I can get a spot next to a tree so to atleast have one side safe away from people.

I'm anxiously waiting to see the adjuster's write up....which State Farm told it can take up to 4 days....

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Is the photo of the female in one of the pictures the one that destroyed your beauty?

No, just one of the many onlookers that were in disbelief. The Physician herself went inside until the Police arrived, I guess she didn't want to have to be subjected to the embarrassment or shame.

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I'm in the insurance business. If State Farm gives you any more crap, let them know you have already spoken with your attorney about the incident and may pursue legal recourse against the insurance company and the physician if for any reason your car is not repaired back to its original state. The purpose of the insurance is to make you whole.... not short change you with cheap aftermarket parts. You'll also want to make a claim for "diminished value" of a classic car. Make sure you note this is a SHELBY and not a regular GT Mustang. The insurance adjuster's job is to try to repair your car for the least amount of expense. Your job is to make sure they get it done right. Hold your ground my friend. I know this is frustrating.

 

Edit

 

Oh yeah... Make sure you get three quotes from reputable body repair shops and explain that you want OEM parts. Their appraisals are your first line of defense and should all be in the same ball park.

She hit you. Tell State Farm they have no choice - OEM parts end of conversation. Aftermarket collision parts are garbage. You also need to get paid for diminished value on your GT. Just an FYI on the quarter panels. At the factory, the entire side of the Mustang from the A pillar all the way back is a one piece stamping.

Thanks for the heads up guys, as you can see I've been awake since 5 AM posting away to keep my sanity of not knowing what's going to happen to my SGT. Wow, I didn't know it was a whole stamping of the quarter panel....I tell ya, I keep looking at the pics myself over and over I trying to assess the damage and the more I see the more I'm seeing the cost of repairing it which will significantly lower its value...hopefully they don't short change me.

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Absolutely make sure that the insurance agent knows that you understand diminished value of a classic car!!! You already know that they are going to say that the VIN only shows it as a Mustang GT. I hope you don't, but I imagine that this is going to take a battle with the insurance company. I hope that you get an agent who knows something about Shelby's. Keep us posted as there are very knowledgeable people here who can help you through this!

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Dumb question but is it supposed to be my insurance's agent supposed to look over my car or the person at fault? I was told that I'm waiting on her insurance's adjuster(Statefarm).

 

If you have HER insurance adjuster give you a quote, it won't likely be good for you.

 

Take your car to a GOOD body shop of YOUR choice and get a estimate. Then if/when her adjuster low-balls you, whip out your estimate and lay it on him/her.

 

Been there done that and every single time had to fight the screw job the Ins. Co. tried to give me.

 

 

Phill

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I feel for you and the situation you're in at no fault of your own, so what can you do to make the best of the situation? If I was in your shoes these are the two options I would consider:

 

Option 1) If you're not emotionally attached to this particular SGT I would have it repaired, sell it and then purchase another SGT.

 

Option 2) If you are emotionally attached I would get 2-3 high end repair estimates and cash out from her insurance company. By cash out I mean have her insurance company write you a check for the damage. I would then have the repairs started at a body shop of your choice AND HAVE YOUR BODY SHOP ADD A SHELBY WIDE BODY KIT TO THE CAR.

 

With option number two at least you're making the car better rather than just having a repaired car.

 

Steve

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At least one issue is that the insurance company usually wants you to take it to one of their "preferred" shops and they often times throw in a life time warranty. As you know when / if they cut the quarter panel and then weld a new one in it will be weaker and any bondo in the area will attract rust in the future.

 

This is why I should probably sell my garage queen SGT because I am afraid to drive it for fear it wlll be hit.

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Very sorry to see this happened and hope all works out w/o anymore stress to you.

 

I too have State Farm on my 07SGT (and another classic car).

 

Please keep us all up to date as I'm considering moving to a Hagerty type of carrier.

 

On another note, looks like some speed was present given all the damage?

Sure hope she practices medicine better than she handles a car.

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Dumb question but is it supposed to be my insurance's agent supposed to look over my car or the person at fault? I was told that I'm waiting on her insurance's adjuster(Statefarm).

Good question and an appropriate one as well. The insurance agent is a licensed and bonded individual who acts on behalf of the insuring company to transact and service your policy. That is pretty much the extent of their responsibility, although a good insurance agent will attempt to stay on top of the claims process and make a few phone calls to their home office on your behalf if necessary. They have NO impact whatsoever on the outcome of a claim. The insurance adjuster is a licensed individual whose sole responsibility is to make sure the claim gets paid and the property is returned to its original state (or as close as possible) prior to the incident.

 

In this case, the insurance company of the physician who hit you will be responsible for paying the claim as she was clearly at fault. You can contact your insurance company and let them know about the incident and that you are experiencing difficulty with the adjuster at the other insurance company and they may be able to assist from their claims department. The key is making sure everyone knows this is a SHELBY and what that means in terms of limited production, potential of future value as a collector car, etc. Good luck!

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That's my personal nightmare.... nothing you can do, it's just unthinkable. Seeing the damage, the first thing that comes to mind for me is, time for the widebody conversion. That would replace virtually every part damaged. Just a thought and my .02¢.

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Just sent you a PM....

 

Reply back and I'll give you my cell phone...I can talk you through a few pointers...you should be OK

 

Working for SF for over 20 years, and even had them settle damage to my car 2 years ago, and they DO know its a SGT from the VIN.

You should not have any trouble. SF will get you back to your pre-loss condition but it is also important that you pick the right body shop to do the work. Again, I can send you my cell number and we can talk about a few ways to get things back in easy fashion.

 

Andy.

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Steve,

 

I'm very attached to this SGT. It is the reason I have met Mr.Shelby in Terlingua.

And gotten some items signed....

 

 

Then if it was me I'd go with the Shelby wide body kit. And by the way the rear part of the wide body kit doesn't replace the quarter panels so the body will need to be repaired but could be left primered as the wide body kit would then cover the repaired area and be blended into the cars body.

 

Steve

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FordRocks1,

 

So sorry to see this. However, as others have pointed out, a high end body shop can repair your beautiful SGT to pre-collision condition.

 

Now about State Farm (or really most others insurance carriers), their job is to get the repair done for the least amount of money. But I noticed those 4 magic letters at the end of your post - USAA.

 

If USAA insures your vehicle, file a claim with them and provide the physician's info and mention the hospital video. Tell them what shop you're going to have the work done at and just do it. They will pay the repair bill (less your deductible) and subrogate your claim with State Farm to recover what they pay out and recover your deductible. Easy peasy...

 

USAA is one of the highest rated insurance carriers, and they only serve military families. You'll find their motto "We know what it means to serve" is gold in a situation like this. Good luck!

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