@Stan Galat posted:Probably true, Robert - but I've dealt with adjusters before when they lowballed (or denied) my claim. Most of them are decent enough guys, but they REALLY hate paying claims.
I'd rather not fight when it's easy to just buy the right product to start with.
I completely agree but if someone hasn't done that and they don't get around to changing it, or even updating their loss coverage, it might be worth trying.
Well the bad new is that you just wore out two guardian angels, the good news is,God is still on your side. To walk away from a rollover like you just had and walk away is nothing short of a miracle. I am glad that you are okay and ready to get another one.
You will be able to find another one at that payout price. Just keep your eyes peeled and stay away from bring a trailer auctions.
@dlearl476 posted:Dang @OCC glad you came out in one piece. The car looked like it’s relatively unscathed.
Good reminder I’ve been meaning to increase my value all summer. I really need to get to it.
Looking at the wheels and where they sit in the wheel arches I'm guessing the frame is tweaked. Hagerty already totaled it and is scheduling a date to pick it up.
I am also glad you made it basically unscathed; bummer about the car and I’m surprised as to how it didn’t sustain more damage. Maybe it could be fixed by qualified people but at least with the insurance payout you can start on the path to replacing it.
Re the silver car from Cloud 9; I did notice some type of peculiar frame under the rear of the car; it is visible in the left underpan photo and the first side photo of the car. This is the first time I’ve seen such a thing in all my years of ownership; anyone have an idea what this is?
@Impala posted:I am also glad you made it basically unscathed; bummer about the car and I’m surprised as to how it didn’t sustain more damage. Maybe it could be fixed by qualified people but at least with the insurance payout you can start on the path to replacing it.
Re the silver car from Cloud 9; I did notice some type of peculiar frame under the rear of the car; it is visible in the left underpan photo and the first side photo of the car. This is the first time I’ve seen such a thing in all my years of ownership; anyone have an idea what this is?
What I think you are seeing in the rear photo is the engine traction bar, and the left side photo looks like an oil cooler to me.
@LI-Rick posted:No.
This agreed vs stated value policy discussion comes up here every now and then. Everyone should take this moment to reevaluate their insurance coverage, and look at updating their policy every year.
Absolutely I'll bet that with the skyrocketing cost of a new speedster north of $50k, almost everyone is way underinsured.
Congratulations on surviving.
@LI-Rick posted:What I think you are seeing in the rear photo is the engine traction bar, and the left side photo looks like an oil cooler to me.
I looked at the video and could look at it more clearly; it is a rectangular tubular frame that goes across from side to side somewhere under the transaxle. I’ve seen käfer bars and the transaxle mid mounts such as the weld-on from Gene Berg and the Empi ones with the red urethane pads but this is the first time I see something like that. Wonder where it came from and its purpose.
@Impala posted:I looked at the video and could look at it more clearly; it is a rectangular tubular frame that goes across from side to side somewhere under the transaxle. I’ve seen käfer bars and the transaxle mid mounts such as the weld-on from Gene Berg and the Empi ones with the red urethane pads but this is the first time I see something like that. Wonder where it came from and its purpose.
Where is this video you mentioned?
@Impala posted:I looked at the video and could look at it more clearly; it is a rectangular tubular frame that goes across from side to side somewhere under the transaxle. I’ve seen käfer bars and the transaxle mid mounts such as the weld-on from Gene Berg and the Empi ones with the red urethane pads but this is the first time I see something like that. Wonder where it came from and its purpose.
I watched the video, and it’s definitely not a Berg style traction bar, they went under the motor.
Here’s my second guess: The car has AC, possible that they mounted the condenser under the car, right below the torsion tube?
This? Yeah, looks like frame for oil cooler which is just visible.
Same thing for house values and home insurance in most places. I have unique house without direct comparables. A combination of appreciation/speculation and major renovations had my house virtually double in price in the last few years. I re-did my home insurance last Fall with agreed upon value (huge rip off ..... until you need it)
Thanks guys the car was a vintage speedster built in 2013. I drove it like a bat out of hell and never had any problem as after yesterday made me think alot. My back left tire hit a pot hole on a fwy transfer ramp it made the car do a 180 which I think the pot hole blew the tire out then it just started to flip/roll on the driver side from the speed and there happen to be that hill there but at some point the car did another 180 and flip back up right going in the same direction. The people that stopped expressed they thought I was dead as they watched it happen. I do belive in God and am thankful.
Not sure I understand the process of the flip, would IRS have been better in this case. Glad your ok.
Not sure if in this instance IRS vs swingaxle would’ve made any difference.
@WOLFGANG posted:This? Yeah, looks like frame for oil cooler which is just visible.
I confess I never saw a frame for an oil cooler before.
Scott, DANG!!! 
Sure glad you were able to walk away from that accident! Bummer about the car being totaled, but the insurance and a possible replacement can be all sorted out.
When our previous VS was totaled in an accident on our way to the 2014 West Coast Cruise, were we also fortunate to walk away with only bruises. Glad you're OK, my brutha!
But still.....DANG!!!
@IaM-Ray posted:@OCC posted:Not sure I understand the process of the flip, would IRS have been better in this case. Glad your ok.
@Impala posted:Not sure if in this instance IRS vs swingaxle would’ve made any difference.
I think it rolled over as a result of his speed, the vegetation catching the undercarriage/rims etc, the missing tire, and the downhill nature of that terrain.
@Troy Sloan posted:Where is this video you mentioned?
Swing axle cars with no camber compensator in the rear can get squirrelly real fast. I had a '65 TR Spitfire with same style swing axle - ended up in a field of wheat one day. Should have left the old bias ply tires on it - the Pirelli Centuratos (sp) had great grip -- until wheels fold in.
@OCC Wow, that is my biggest fear! so glad you're ok!
@AllnuttS posted:
Thank you for finally enlightening me; this is the first time I’ve seen this setup in over 18 years of ownership! We always learn something new!
@americanworkmule posted:
Thanks, but I thought Impala meant a video of the car after it had rolled.
First of all, absolutely LUCKY to walk away. I know this as I walked away from a totaled Spyder in 2016. I didn't roll over though...
What are your plans? Do you want another car just like it? Are you mechanically inclined?
If so, get a quote on how much the buyback is. My buyback was only a few thousand dollars. I stripped the old car clean. Motor, trans, suspension, brakes, seats, lights, wiring harness.
It is VERY possible and not too hard to build it again. Get a new pan and a new body/subframe. Then transfer all the good stuff over. This is what I did, and I got the car I REALLY wanted. Having that second chance can be a GREAT opportunity.
I'm 100% positive you can take 30-something thousand dollars and build a new one, even sub-contracting things like paint.
Good luck.
That is sound advice. 
@DannyP posted:First of all, absolutely LUCKY to walk away. I know this as I walked away from a totaled Spyder in 2016. I didn't roll over though...
What are your plans? Do you want another car just like it? Are you mechanically inclined?
If so, get a quote on how much the buyback is. My buyback was only a few thousand dollars. I stripped the old car clean. Motor, trans, suspension, brakes, seats, lights, wiring harness.
It is VERY possible and not too hard to build it again. Get a new pan and a new body/subframe. Then transfer all the good stuff over. This is what I did, and I got the car I REALLY wanted. Having that second chance can be a GREAT opportunity.
I'm 100% positive you can take 30-something thousand dollars and build a new one, even sub-contracting things like paint.
Good luck.
I ran the numbers and as Danny said buy it back form the Insurance Company ( you as the owner have first salvage rights) what the actual cost may be great varies anywhere from a couple of grand up to 20% of the ACV payout to you. Example if they pay out $38k even at the max of 20% = $7,600 so you would actually get $ 30,400 and the Speedster with a branded Salvage Title. Pick it clean for a new build and sell what is good but you don't want to use. .. I would do this in a heartbeat.
I'm calling my insurance co. tomorrow on this agreed vs stated issue. Need to get clear on that.
I see lots of broke FG there and am truly amazed that you walked away from that landing. What was your restraint? Lap belt, shoulder belt, four point? That is some really scary shyt.
