Get any footage on your dashcam?

My answer to ur questions...not too complex ..couple grand tho .

 

My answer to ur questions...not too complex ..couple grand tho .

My answer to ur questions...not too complex ..couple grand tho .

Thank you. Dashcam only records while ignition on-- Time for an upgrade!

 

I can speak to a very similar situation, and repair that was just completed on my wife's 2018 Forester last week. She also had a person back into her in a hit and run, and it needed a new front bumper, and all sorts of clips and brackets and plastic parts that were broken and not visible until they took it all apart. The repair bill was $4000 (we just paid our deductible). Your photos suggest your car might have more damage than hers did.

 

That’s going to cost more than you think. The hood looks a little buckled.

 

The headlight/fender might have been pushed back a bit… this shouldn’t be popping up…

It’ll be interesting to see estimates when you can get some.

 

yeah this whole front quarter shifted. The body lines look tight at the door where the finger prints are and along the hood line too.

 

Did left and right get changed overnight? lol. That headlamp looks like it's not properly aligned with the fender. That will significantly increase the cost of the repair if it needs replacement.

That's some bull if they're going to put it on as a collision claim. It's not unusual for them to do it though. I went through that last year, hit a bag of trash that flew off a truck going the opposite direction, they were going to put it on collision until they saw my dashcam footage that showed it fell off right in front of me and there was nothing I could do.

 

I did a DIY repair on my former Mazda after hitting a deer. The damage way only to the front bumper and a headlight. I bought a new bumper cover/fascia and had it painted by a body shop. The job was a pain because the bumper assembly is made up of numerous pieces and requires a number of fasteners. The parts and fasteners you can't reuse have to be looked up and ordered. Animal collisions fall under "comprehensive" coverage, and my deductible was zero, but the job took so long that my rental car allowance ran out.

 

I have to say that looks like a pretty slow (but hard) wallop. If they had just clipped the bumper it would be one thing but the fender and the hood are out of whack as well. Also, the crease is vertically linear and symmetrical. You got hit by a big-ass PIV (penile insecurity vehicle) such as a Ford F-350 or a Ram Hell Fart.

If your insurance company gives you push back that it was your fault hire an independent appraiser. I held a PA Motor Vehicle Damage Appraisers License for many years and I can tell with certainty that your front clip was hit at a sharp angle left to right across the nose.

This was done by someone backing out of a parking space opposite your who had their head up their ass and/or were talking on their phone (or they just didn't see you because their truck just had to be the biggest in the parking lot, if you catch my drift).

It was a slow-speed incident. Initial contact was made just below the right corner of the grill.

The bumper was pushed in and down and before the clips let go it took the headlight and the fender with it. The gap at the back of the fender is proof that this was not caused by a typical frontal impact. So, unless you pulled out of a parking space and in the course of that hit the bumper of a truck parked in a spot opposite yours and upon impact continued to drive into said bumper then this is a hit-and-run as far as appraisal goes. I've testified in court on these matters and that is how I would call it.

It would have been better if you had taken the photos prior to moving the car and not moved it until reporting the indecent to both the property owner and police, but what is done is done.

 

I have to say that looks like a pretty slow (but hard) wallop. If they had just clipped the bumper it would be one thing but the fender and the hood are out of whack as well. Also, the crease is vertically linear and symmetrical. You got hit by a big-ass PIV (penile insecurity vehicle) such as a Ford F-350 or a Ram Hell Fart.

If your insurance company gives you push back that it was your fault hire an independent appraiser. I held a PA Motor Vehicle Damage Appraisers License for many years and I can tell with certainty that your front clip was hit at a sharp angle left to right across the nose.

This was done by someone backing out of a parking space opposite your who had their head up their ass and/or were talking on their phone (or just didn't see you because their truck just had to be the biggest in the parking lot, if you catch my drift).

It was a slow-speed incident. Initial contact was made just below the right corner of the grill.

The bumper was pushed in and down and before the clips let go it took the headlight and the fender with it. The gap at the back of the fender is proof that this was not caused by a typical frontal impact. So, unless you pulled out of a parking space and in the course of that hit the bumper of a truck parked in a spot opposite yours and upon impact continued to drive into said bumper then this is a hit-and-run as far as appraisal goes. I've testified in court on these matters and that is how I would call it.

It would have been better if you had taken the photos prior to moving the car and not moved it until reporting the indecent to both the property owner and police, but what is done is done.

WOW- Thank you! Your knowledge and experience is impressive. I would say half the vehicles in East Hawaii (Hilo) are large trucks. Either work trucks or people thinking they need a truck for flooding or to take trash to the dump (transfer station), since there is very limited residential trash collection. There are many drivers without insurance, current registrations or licenses because the county does not have the resources to enforce. If you travel to Hawaii Island I recommend making sure you are fully insured, pay attention when driving, and avoid driving at night if you can.

 

I am thankful and feeling much gratitude for the replies and the time you all have taken to respond in such detail.

Yes, I just looked at the parts diagram and a lot more could require replacement. And yeah, I think the headlight and fender also got pushed back too. I think I had a bit of denial syndrome on this one.

I'm not sure about the insurance company rating this as a collision, it was an assumption. We can not recall making a claim for the past 30 years. We are good drivers having lived in Boston, and Northern and Southern California. We were involved in a collision in Socal where the other driver tried unsuccessfully to cross two lanes of traffic to get to the opposite lane, and T-boned our car. He admitted fault and was very cooperative. Our underinsured coverage paid for what his insurance did not cover, but this was not a chargeable accident for us. So obviously it's time for us to call our local agent. I have been insured with the same company for home and auto for over 40 years.

 

I am thankful and feeling much gratitude for the replies and the time you all have taken to respond in such detail.

Yes, I just looked at the parts diagram and a lot more could require replacement. And yeah, I think the headlight and fender also got pushed back too. I think I had a bit of denial syndrome on this one.

I'm not sure about the insurance company rating this as a collision, it was an assumption. We can not recall making a claim for the past 30 years. We are good drivers having lived in Boston, and Northern and Southern California. We were involved in a collision in Socal where the other driver tried unsuccessfully to cross two lanes of traffic to get to the opposite lane, and T-boned our car. He admitted fault and was very cooperative. Our underinsured coverage paid for what his insurance did not cover, but this was not a chargeable accident for us. So obviously it's time for us to call our local agent. I have been insured with the same company for home and auto for over 40 years.

Nobody cares you had no claims for 30 years, that's all bogus now a days.

Rates increase for no reason (perfect driving record) 20% year over year the last 2 to 3 years in most of the U.S.

Reason according to insurance the cost of medical from accidents is making premiums go sky high. Basically fraud, we pay the higher rates to cover the exorbitant hospital bills from frivolous injuries from scammer, under insured/ not insured drivers. Driving is now a privilege just like home ownership so you pay to play.

And newer vehicles have more expensive tech that inflate repair bills and at the same time there are fewer new vehicles on the road as more Americans are keeping vehicles longer while deferring maintenance dues to high costs, a big safety issue. Average age of vehicle on the road is 13 years, not to mention the debt many folks carry over from one used vehicle to the next is a very troubling statistic. All this along with distracted driving at a record high gets us where we are today. My approach to this, make adjustments to your deductibles to lower premiums and drive like your life and others depend on it, because it does including financially speaking.

Talk it out with your ins, gets some repair quotes, you may decide its not worth the claim, you'll be punished no doubt the next few years for making that claim.

Stuck between a lava rock and a hard place sometimes.

 

A dent a bit bigger than a quarter and some superficial scrapes barely visible unless a foot away was like $2000 CAD when I was side-swipped.
Passenger side of front bumper

 

In Australia you would get no change out of 5K for that. You will be suprised as to the damage.

 

My answer to ur questions...not too complex ..couple grand tho .

My answer to ur questions...not too complex ..couple grand tho .

Thank you. Dashcam only records while ignition on-- Time for an upgrade!

Get one of these: Amazon.com: Power Magic Pro BlackVue Vehicle Battery Discharge Prevention for Parking Mode for BlackVue DR500GW, DR550GW, DR650GW, DR650S : Electronics

 

Get one of these: Amazon.com: Power Magic Pro BlackVue Vehicle Battery Discharge Prevention for Parking Mode for BlackVue DR500GW, DR550GW, DR650GW, DR650S : Electronics

Simpler options. Many dashcams detect when the car is bumped and somehow record a period before and after the impact. gotta be hardwired tho. I like Vantrue. Dirt simple to use.

 

$6-10K in repairs, hopefully nothing important damaged.

what's that fluid/liquid in the photo under front of vehicle? A leak?

Whats sad is the ding to the title from this and the drop in value, I would say its not impossible for Insurance to take a five year old vehicle like this and total it. Worst, eventually it ends up being repaired and sold with rebuilt title for $20K somewhere else.

I can imagine Hawaii of all places isn't cheap to deal with when you have insurance problems.

 

Still...$4k max. Unless there something cant be seen in those pix.

 

In my 2021, I hit a deer doing about 10 mph and had substantially less damage than you, the final repairs were over $6,500.00 Lots of small "crushable" parts underneath that had to be replaced.

 

Whoever wants..i will bet a beer this dont go over $5k. No damage apparent to any mechanicals. Front, maybe quarter, some hood..tbd. No door.

 

Anythings possible, but I feel its going to be fairly pricey in comparison to the value of a 5 year old vehicle. Even 6K in repairs is more than 33% the value of the vehicle and just scratching the surface of repair work "body work" luckily not a serious collison.

I said 6-10K in repairs, its Hawaii also. It may be totaled.

 

So it sounds like it didn't affect any sort of sensor (I guess Subaru just has the EyeSight in the front). Be glad it wasn't your back bumper..........

 

I had a bump into my rear fender/bumper and broke the tail light. Over $5K. Your collision should cover it except the deductible. If you got the store video and can identify the hit and run, your insurance should go after them for the whole thing.

 

I agree with others, that’s not going to be a cheap quick fix….headlight mounts may be broken, lots of plastic to replace, fender pushed back and up, hood tweaked, bumper cover and some underneath parts destroyed…radiator support may be bent…even wiring harnesses can get pinched, airbox, washer fluid reservoirs, etc…they will want to blend the paint hood, bumper cover, both front fenders, possibly passenger door if that fender gets heavy rework or replacement….will have to see if there is frame crumple causing fender movement….

 

Based on. What we know now ur number is,?

 

It is a hit and run, can not be your fault. But yes your deductible applies.

 

Well...technically sure one is not at fault for a hit and run. But in the eyes on an insurer...SOMEONE is always at fault.... so unless one has the ID of perpetrator...the insured becomes at fault...no?

 

I am thankful and feeling much gratitude for the replies and the time you all have taken to respond in such detail.

Yes, I just looked at the parts diagram and a lot more could require replacement. And yeah, I think the headlight and fender also got pushed back too. I think I had a bit of denial syndrome on this one.

I'm not sure about the insurance company rating this as a collision, it was an assumption. We can not recall making a claim for the past 30 years. We are good drivers having lived in Boston, and Northern and Southern California. We were involved in a collision in Socal where the other driver tried unsuccessfully to cross two lanes of traffic to get to the opposite lane, and T-boned our car. He admitted fault and was very cooperative. Our underinsured coverage paid for what his insurance did not cover, but this was not a chargeable accident for us. So obviously it's time for us to call our local agent. I have been insured with the same company for home and auto for over 40 years.
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Well...technically sure one is not at fault for a hit and run. But in the eyes on an insurer...SOMEONE is always at fault.... so unless one has the ID of perpetrator...the insured becomes at fault...no?

No they can not increased your rates. I been involved in 2 hit and runs in 1980s and 1990s ..it did not increase my insurance rate. And since he was parked,legally in a lot, how can he be at fault. Yes he will have to pay his deductible. If there was the other driver then his insurance if he use his then would go after the other guy insurance and hopefully recovered the deductible.

 

They might not "raise" the rate but you can lose a "claims free discount"
Also insurance can differ by location such as no fault states etc.

 

You are right.

 

I would lose a claim free discount. Made a police report and they investigated. Lot in front of hospital clinic is infamous for accidents by people backing into other vehicles since lot is two opposing rows and narrow in-between. One of the staff we know told us that there are plans to build an exit lane instead of drivers needing to turn around.
Visited body shop our trusted mechanic recommended. Shop owner and I reviewed vehicle together and the damage appears to be just the front bumper cover, fender, loose fog lamp, and partially torn upper headlight assembly strap. Shop will replace and paint front bumper cover, rework fender, and quoted replacing fog lamp assembly, and repair headlamp assembly strap. Hood is not damaged, it appears out of alignment because fender and headlight assembly are out of alignment. Labor and paint estimate $1,500 and parts $1,000 (rounded). Subject to change once bumper cover is removed. I saw his other work and he knows what he is doing. They do both insurance and self pay work. We plan on keeping Outback for at least 10 years more.

However, I just tested fog lamp and it is working and appears intact, except for straps on side and top. The fog lamp assembly is part 84501AN000. The diagrams/photos I have looked at for the fog lamp don't show the straps. I removed it and have attached photos. It seems like I could forgo replacement of the fog lamp and save $300 for the part, and have the original reinstalled.

 

Ain't nothing quite as valuable as an honest body shop.

 

Dang I am good....but don't know when to stop. I nailed it in post #2 at "a couple thou". But then adjusted but no one took my bet for a beer in post 23...no takers. Glad the damage is not "too much" more dollars.