decorations ... not the kind you thought

My smart got "re-decorated" by a Lady in a (brand-new, no less) BMW 3-series last night on the way home, so the best I am hoping for now, is that it can and will be fixed soon.

It dented the driver side tridion pretty good. At least I am fine and here to b*tch about it ... When the sign says "no-double-turn" how would you interpret that? ... am I bitter? ... you bet.

I would like anybody's suggestions though on what to look out for when it comes to repairs of the smart and how I can steer the insurance company to the "right place". Do they just pull the metal straight, "bondo" and paint is, or do they cut pieces of the frame and weld in new sections?

Thank for any input.



Yes, they are a little fuzzy as it was freezing out, but I think you can see the big gap at the door sill where the panels rebounded and the tridion stayed very bent. You can also see the paint from the beamer scraped all over the door panel (not a reflection, "seafoam green/clearcoat").

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Comment by Monty on May 17, 2009 at 5:21pm
Five weeks. Good grief. I was an insurance adjuster years ago and I would have been hung up by the ears if I had let a claim languish like that. Glad you're making progress though.
Comment by toes on May 17, 2009 at 4:54pm
An update: Lewis (finally!) went into repairs on Friday. We hope to have him back, safe and sound, soon.
Comment by toes on April 30, 2009 at 5:52pm
Okay, so (finally) Farmer's picked the claim back up and I am cautiously optimistic that I can finally (after 5 weeks) get Lewis fixed.

My trust in insurance companies and especially people (who cause accidents) is severely shaken, but hopefully I can just chalk this up to "lessons learned" and "never trust a young lady in a Bimmer". All better now. t.
Comment by Monty on March 28, 2009 at 10:00am
I know what you mean about the $5K. I had a wreck in my wife's Avalanche, and I'm not kidding, it took me a while to find the damage, it (by all appearances) was so slight. Wound up costing $4K.

Re the truck backing up. I think this is probably one of the biggest risks for the Smart. A friend of mine had a tiny 3-cylinder car years ago. He was stopped at a stop sign and an 18-wheeler behind him either never saw him or forgot he was there. The truck was ready to proceed before my friend was, and the truck just pushed him out into the intersection, tires squealing in protest. He managed to get out of the way, but the truck driver apparently never did see him. He jumped out and determined the damage was minor, so he declined to risk his life by chasing down the truck. I guess the lesson is to assume they can't see you. It's probably a pretty accurate assumption.
Comment by toes on March 26, 2009 at 5:50pm
So: We got a rough verbal estimate on anticipated repair cost: 5k, gulp. t.
Comment by toes on March 25, 2009 at 8:45pm
Thank you all for the moral support and info :-)

The claims adjuster from my insurance company looked at Lewis today and then she spoke to the smartcenter Denver folks (She mentioned that they were awesome, or something to that effect, which I already knew).

She learned that they would actually replace the panel(s) (as Ryan and Bill mention), but the tridion frame part will need some "standard autobody and paint" treatment. I hope the other driver's insurance will pay for all of this as she caused the accident, but am unsure. For now I will find out what the repair cost will be and either pay the deductible or out-of-pocket to get it fixed.

Thank you guys, t.
Comment by Ryan on March 25, 2009 at 3:16am
bill is right, especially seeing as your black panels are actually made out of black plastic, and not actually painted, it would probably be cheaper for them to get new panels to replace them, and trying to paint colored plastic would probably not look remotely as good. Only the metallic colors are actually paint.
Comment by Monty on March 24, 2009 at 10:43pm
toes, let us know how it turns out. :)
Comment by bill on March 24, 2009 at 9:15pm
thought i'd chime in on this one---had something similar happen to me by an 18 wheeeler while he was backing up in a toll booth------go figure----I was surprised there was so little damage---- thought i'd wait till I got some money together and have a local body shop paint the area but when I showed it to the dealer, they said that they could order the front hood and replace it for less than a paint job----so , by all means , talk to your dealer and see what they can do. they seem more than happy to help--- and for less than a traditional auto body repair-----t/c bill
Comment by toes on March 24, 2009 at 8:38pm
Thank you Monty, that sounds encouraging.
I actually was surprised to note that there is no change in feel as to how the car handles and drives. I guess it is a tough little nut :-).

I hope you are correct about your assessment that the frame is not involved and the outside metal that is visible is more of a decorative element than actual part of the tridion cell.

The claims adjuster from my insurance provider is supposed to come by tomorrow and check it out. I will see what he says and definitely talk to the good folks at the smart center this Saturday.

I am better now. Thinking that it is just a material thing (albeit a really dear one to me) that can be fixed. At least nobody got hurt. Thanks again, t.

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