So recently my 04 enthusiast roadster was totaled by a woman who ran a stop sign. Long story short insurance isn’t covering it and I can’t pay the $8337 repair bill. I found a package deal from carparts.com here and was curious if anyone had experience buying from them. This deal just seems way too good to be true. Headlights, quarter panels, and front bumper for only $530 with shipping and handling. Also it’s saying that these parts would only fit a 2003 Z but is there any reason why they would not fit the 2004 model as well?

 

Just curious? If the other lady ran the stop sign why isnt her insurance company covering the damage? whats the back story?

 

Michigan insurance laws are horrible. I’m a cheap 19 year old dumbass who told my agent to register me for whatever the state minimum requirement is. Since we are a no fault state, an accident means that regardless of who is at fault, your own insurance company is responsible for covering you. My policy only covered liability and did not have full total collision protection.

 

There is going to be underlying damage, you cant just throw new parts on it and call it a day

 

The no-fault has nothing to do with property damage and only medical expenses.

Minimum insurance requirements for Michigan

The minimum amount of Michigan auto insurance coverage is $20,000/$40,000/$10,000. In the event of a covered accident, your limits for bodily injury are $20,000 per person, with a total maximum of $40,000 per incident. It also covers up to $10,000 for damage to another person’s property.

Liability coverage

As a resident of Michigan, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

• Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.

Minimum coverage is 10k pd which means you file a 3rd party claim against her policy and your car gets paid in full.

 

if it has $8300 damage, because that is preliminary estimate... it always goes up when they start tearing the car apart, they prob wont fix it but cut him a check.. which is better than he has now

 

There’s also suspension work that needs to be done but nothing too crazy. Lower control arms and tie rods which I can do myself pretty easily.

 

If you got in a front end collision that is bad enough to break the control arms and tie rods, I would be willing to bet that the frame rails are bent. And you probably need at a minimum a new knuckle, control arms, K member, tie rods, steering rack, crash bar, crash bar mounts, front radiator support, fender liner, undertray, wheel, hood?, radiator, ac condensor, airbox?, airbags, seatbelts, seats... You don't get quoted 8k and only need some new sheet metal.

 

It actually wasn’t a bad accident. Here’s some photos. Airbags didn’t go off and I talked to the collision shop. All it needs is suspension, body work, and a headlight.

1. 

 

that rear quarter is where most of the cost is

 

exactly. Which is why I was considering buying that kit from carparts.com and just doing the bumper headlights and fenders myself

 

You do know that back quarter panel is not removable dont ya?

 

OK, after all of the sensible advice and clarification on no-fault, OP is still NOT going to go after the "person at fault"?

Makes zero sense to me but if he doesn't want to do it or have own insurance subrogate, well, hey, have to ask why not.

But I won't because it no longer matters.

 

I’m well aware which is why I said doing the bumper headlights and fenders myself. I have a few guys who can take care of the back quarter panel

 

Best of luck

 

The story is incomplete. Which end of the Z was struck by the other vehicle? How was the other end damaged- Thrust into a power pole? Another vehicle?
Is it remotely possible that black-out tails prevented the other driver's view of OP's car and that's why her ins won't pay?

Poor Z, glad driver walked away.

 

No, I’m not and let me explain why. The woman who hit me is almost 90 years old. I called her the day after the accident and tried to convince her to settle without going through insurance. She claimed, “I’m sorry I can not afford to not go through insurance. I’m an 88 year old widow and do not have the money to pay you.” My own insurance is not paying me a dime because I did not have total coverage on it. Trust me I’ve been talking to my insurance company non stop since the accident and they are giving me $0. Yes I could take her to court and sure I would almost definitely win due to my clean driving record and her being at fault, but then I have to pay lawyer fees and it’s very possible she actually does not have any money and then I’m double screwed out of the cost of my car and legal fees. I’d rather not take my chances seeing as I am a broke college student and would rather either fix the car myself, part it out, or sell it to someone in its current condition as a project car. Make sense?

 

Not possible at all. She ran a stop sign coming out of a neighborhood turning left and I slammed my brakes and slid sideways into her, hitting my front drivers side against her back driver side first, then clipped my back drivers side against her again after making contact. Here’s the phone from the crash report since my description is pretty confusing. I’m the red car.

 

I call bs....but not my problem as my car is in one piece

 

Ok? Wtf am I bsing about?