BTW. We did go to the garage and take off my brand new $200 Curt trailer hitch and plug and play wiring harness that was NOT on the car when I bought it LOL..Maybe I can get $100 for it, unless I buy another “Cruiser” to mount it to. Chuck
From: Chuck Alexander Sent: Wednesday, November 12, 2014 12:32 PM To: [email protected] Subject: Re: [VFB] OFF TOPIC. My Baby got crashed into by a deer Joyce: Thanks. We do in fact have one nearby as I went to that same community college for welding back in the early ‘80’s, and if I had had the car paid off that’s exactly what I would have done. Problem now is the state and red tape. There is only three (and none are close by) state inspectors who can inspect the car and re-issue a “totalled title” or whatever exactly it’s called, and I could take a $3300 settlement (but I still owe $4700), then I could have the car back, then pay the college for all the parts (about $1000-1500 I suspect), let them repair it, but here it the “hitch”. Then, after all that time, money, effort, there is no guarantee that the inspector will issue a new title and eve if he did, the state will NOT allow you to buy full coverage insurance on a previously “totalled” car, which my bank would still require as I’d still owe them the difference between the $3300 and the $4700 payoff, and I talked to them and they won’t do it. But, they did tell me they are going to accept the $4300 the insurance company as “paid in full” and also give us a loan at a cheaper rate on another car. So, it looks like a triple “catch 22”, so I guess we’ll have to just “cut our loses” and get another car. maybe I can find a club cab pick em up truck I really did want when I bout the car.. That would be the only “silver lining” I think. Thanks for bringing this up though, because like I said, had it been paid off, it would be a great idea and somebody else here might find themselves in a similar situation sometime, Chuck From: Joyce M Westphal Sent: Tuesday, November 11, 2014 7:42 PM To: [email protected] Subject: Re: [VFB] OFF TOPIC. My Baby got crashed into by a deer Chuck, regarding your deer smashed car, as new as it is, also check if you have a state college with an autobody class in your area. Very often students will rebuild your car if you pay parts and the small cost of the class tuition, Better yet, you can see if they have a repair your own car class at the college/university. This is what my sister and I did when the deer smashed her car. The cost for "senior" students here in a once a week after hours class was 30 dollars tuition and a 1 time fee of 100 dollars for their state of the art paint booth. We have restored her 1959 IH truck and my 1982 Datsun diesel by doing it ourselves. The instructors were excellent and the cost was minimal..mostly time and, of course, the paint which is pricey. It tooks us several years to do both vehicles (we did her car, her truck and my truck first, and finished up repairing a bad bondo job on her current car fender that we recognized after she had her used car for several years. If you do it yourself, you will know it is done right. Buy it back if you can and fix it yourself if you can..it was a fun and rewarding expeirence. Just a thought. On Tue, Nov 11, 2014 at 4:33 PM, Joyce M Westphal <[email protected]> wrote: Chuck, may I suggest that you find another body shop and try to get a bid for them to fix it with second hand parts. I did that with my VW and drove it for 7 more years and the cost was very minimal. I talked with my insurance company (State Farm) and they were very willing to do this rather than total the car. The cost was about 1/3 what the new parts and labor would have cost and the labor was minimal by comparison. Don't know if this will help. Joyce On Tue, Nov 11, 2014 at 3:31 PM, Chuck Alexander <[email protected]> wrote: I see. Sounds painful LOL.. I got bad news today as to the reality of how the insurance industry works in America. Our car's damage was really (besides the AC condenser and radiator rupturing) was no more that a "fender bender". Frame was NOT bent, no windshields busted out, even the air bags didn't have to be replaced and/or rest etc. But the insurance is "totalling" the car, and they are going to pay us a check that amounts to $400 LESS than what it will take to pay off what we owe on the car. It's got us both hot under the collar to say the least. Mad as hell is more like it. But, the insurance industry here has some of the biggest lobbyists in Washington as well as in the state governments, and so they are all in cahoots and one hand feeds the other in their world. I riced all the parts that the car would have had to replaced, added the $65-95 per hour labor together and it should have been at the extremely high end, no more than $2000-2200. They (the garage/body shop) wanted the insurance company to pay them $4400+. And in the state of Alabama, the insurance adjustors here work for the state apparently (This is all new to us as it’s the first claim like this we have EVER claimed in our lives. But anyway, once the adjuster signs off as the car being "totalled", That's it, even if I could fix it myself I'd have to pay off the lien, then try and find out which salvage yard they are going to sell it to, go there and "buy" the car from them, and that might be $1000-3000. Then, I'd have to file (and pay enormous fees) for a "scrapyard repaired" new title on the car in order to get a title, tags and insurance. We have paid this company (Progressive Insurance Company) EVERY month for over ten YEARS, and they GLADLY take our premium money, but file a claim and then it’s like they think you are robbing them. I told the insurance guy (or asked him) "why the heck didn't you guys get a cpl more estimates, as you know that's was highway robbery and he said that was their only "authorized garage" that they deal with in the area. I said "well if that's the case, you guys should shop around (like I'm going to do when I get another car) and find a place that would repair them cheaper than that because that price is a rip off and that it would save both them and their customers (policy holders) money" But that’s how it works here. The big guys get the gold mine and the little guys get the shaft LOL. Chuck -----Original Message----- From: Reuven Segal Sent: Tuesday, November 11, 2014 1:46 AM To: [email protected] Subject: Re: [VFB] OFF TOPIC. My Baby got crashed into by a deer 6ft+ Pure muscle. More often than not, people are injured when the roo goes through the windscreen and struggles to escape and kicks and scratches the occupants. The way they fight is that they stand on their tails and kick forward. I have seen on the news one guy who tried to feed a small one and ended up with dozens of stitches from a single kick. Lets see one of your deers do that! On 7/11/2014 1:33 PM, Chuck Alexander wrote: Reuven: That's normally how the big buck deer do it here. If my son had been going full speed that tin can of a car would have been history. A Kaangaroo might get hot by the car though, then turn around and kick the car as well LOL..How big do those things get (weight) anyway?? Chuck -----Original Message----- From: Reuven Segal Sent: Thursday, November 06, 2014 6:49 PM To: [email protected] Subject: Re: [VFB] OFF TOPIC. My Baby got crashed into by a deer A deer is nothing compared to totalling a car with a kangaroo. They are solid muscle, and will hop away after totalling a car. On 7/11/2014 6:23 AM, Chuck Alexander wrote: Same here: I had a brother in law killed like that, and my Daddy had a deer total his truck one morning on his way to work. Those things hit just right, and they can do MAJOR damage for sure, Chuck -----Original Message----- From: Allan Fish Sent: Thursday, November 06, 2014 1:09 PM To: [email protected] Subject: Re: [VFB] OFF TOPIC. My Baby got crashed into by a deer Thankfully, my son was shaken up, but not injured. Thank God. We had a similar incident here in the county a few years ago that was fatal. The buck's hind legs came through the windshield on the driver's side. One hoof went through the young man's chest and through his heart. I'm really glad your son had the alertness to slow down. af -- -- You received this message because you are subscribed to the "VFB Mail" group. To post to this group, send email to [email protected] To unsubscribe from this group, send email to [email protected] For more options, visit this group at http://groups.google.com/group/vfb-mail?hl=en VFB Mail is sponsored by Line's End Inc at http://www.linesend.com --- You received this message because you are subscribed to the Google Groups "VFB Mail" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. For more options, visit https://groups.google.com/d/optout. ----- No virus found in this message. Checked by AVG - www.avg.com Version: 2013.0.3485 / Virus Database: 4189/8552 - Release Date: 11/11/14 -- -- You received this message because you are subscribed to the "VFB Mail" group. To post to this group, send email to [email protected] To unsubscribe from this group, send email to [email protected] For more options, visit this group at http://groups.google.com/group/vfb-mail?hl=en VFB Mail is sponsored by Line's End Inc at http://www.linesend.com --- You received this message because you are subscribed to the Google Groups "VFB Mail" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. For more options, visit https://groups.google.com/d/optout. -- -- You received this message because you are subscribed to the "VFB Mail" group. To post to this group, send email to [email protected] To unsubscribe from this group, send email to [email protected] For more options, visit this group at http://groups.google.com/group/vfb-mail?hl=en VFB Mail is sponsored by Line's End Inc at http://www.linesend.com --- You received this message because you are subscribed to the Google Groups "VFB Mail" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. For more options, visit https://groups.google.com/d/optout. No virus found in this message. Checked by AVG - www.avg.com Version: 2013.0.3485 / Virus Database: 4189/8557 - Release Date: 11/11/14 No virus found in this message. Checked by AVG - www.avg.com Version: 2013.0.3485 / Virus Database: 4189/8560 - Release Date: 11/12/14 -- -- You received this message because you are subscribed to the "VFB Mail" group. To post to this group, send email to [email protected] To unsubscribe from this group, send email to [email protected] For more options, visit this group at http://groups.google.com/group/vfb-mail?hl=en VFB Mail is sponsored by Line's End Inc at http://www.linesend.com --- You received this message because you are subscribed to the Google Groups "VFB Mail" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. 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