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Old 11-08-2015, 06:42 PM   #1
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rear ended

so long story short, i got rear ended. its not bad but i want it fixed. reason why I'm on here is because the dude that rear ended me didn't have insurance. when it all happened we talked and agreed on him either taking my car to a shop to get it fixed, taking it to ford, or just ordering a new rear bumper. so basically my question is whats the easiest and best option for me? i know going to ford would be the answer but before you say that keep in mind that my ec isn't exactly within warranty. i have a off rode downpipe with a cutout welded on the downpipe, so idk if that would mean that ford won't be able to work on my car. i think it shouldn't cause the dudes gonna be paying for parts and labor. wouldn't just getting a new bumper and getting it painted be a lot easier? and i can just have my mechanic install the new bumper, i wouldn't mind. ill be putting up pics in just a second.
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Old 11-08-2015, 06:45 PM   #2
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here they are.
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Old 11-08-2015, 06:47 PM   #3
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Old 11-08-2015, 06:51 PM   #4
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if getting a new bumper would be easier, post any sites that would sell oem rear bumpers.

this is one site I've found. I'm assuming the bumper is unpainted so he would have to buy it and get it color matched with my car, oxford white.

BUMPER COVER for 2015 Ford Mustang|FR3Z-17K835-AB
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Old 11-08-2015, 07:22 PM   #5
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Why are you trying to save the guy who hit you money? Get it fixed right at a certified body shop. You have insurance for uninsured motorist, right? Ask him to pay your deductible and get it fixed as if it was new.
I'd be willing to bet you 10 to 1 that when it comes time to pay up for whatever you decide to do, he develops a severe case of amnesia.
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Old 11-08-2015, 07:33 PM   #6
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wouldn't going through my insurance mess with my rates? if it doesn't then ill be doing that. i haven't been through this so I'm trying to learn whats best for me.
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Old 11-08-2015, 07:59 PM   #7
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wouldn't going through my insurance mess with my rates? if it doesn't then ill be doing that. i haven't been through this so I'm trying to learn whats best for me.
That depends on what your driving/accident history is and how long you've been with your current insurance company. If you've been with them for years, and this is your first claim in a long time, there should be no additional penalty on your rates.
If you have $1000 deductible, I'd suggest doing this out of pocket and hoping the other driver will pay.
It does not look like the bumper needs replacing and can be repainted.....but a good body shop is also going to check for any damage underneath the bumper that could cost lots of extra $$'s. There is a crush zone underneath the bumpers, and if the outside deformed significantly when you were hit, then the supporting structure is going to need to be replaced as well. If that is the case, let your insurance handle it.
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Old 11-08-2015, 08:34 PM   #8
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That depends on what your driving/accident history is and how long you've been with your current insurance company. If you've been with them for years, and this is your first claim in a long time, there should be no additional penalty on your rates.
If you have $1000 deductible, I'd suggest doing this out of pocket and hoping the other driver will pay.
It does not look like the bumper needs replacing and can be repainted.....but a good body shop is also going to check for any damage underneath the bumper that could cost lots of extra $$'s. There is a crush zone underneath the bumpers, and if the outside deformed significantly when you were hit, then the supporting structure is going to need to be replaced as well. If that is the case, let your insurance handle it.
I'm under insurance with my pops, and we haven't had a claim filed. he's had this insurance for many years. my deductible is $500 and I've talked to the guy already and he's willing to pay that. and yes i can see where that could come into place.

so if i go through my insurance their might be a chance that my rates will go up? i might just call my insurance and see if they will. if they do I'm just gonna go to a certified shop and have them fix the bumper. no point in going through my insurance if rates will go up and guy is willing to pay.
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Old 11-08-2015, 08:43 PM   #9
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If the guy is willing to pay, don't waste your time dealing with your insurance company. Putting in a claim for something that small isn't worth it.
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Old 11-08-2015, 08:44 PM   #10
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My son just had to have his rear bumper repainted on his brand new WRX. Three step pearl blue, no additional damage underneath, and they charged him $800.
The plastic bumpers can be repaired and repainted, and my son's turned out a better match than the factory did.
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Old 11-08-2015, 08:53 PM   #11
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hmm ok. might have to go that route then. cause i was taking a look at my insurance docs and i have to file all these other docs just for that. it would be hard too cause my pops doesn't live in cali, parents live in Chicago.
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Old 11-08-2015, 09:14 PM   #12
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If you made police report just file un-insured motorist. Will not affect your rates and you won't have any deductable. Or go to ford dealer and get estimate show perp get cash. If he wont do this get his tag number and file report for leaving scene, will cost this dude a lot more than fixing your car. Think about the next time he wrecks someone, may injure someone with no way to pay for their medical cost, or worse kill someone. He's why your insurance cost you so much
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Old 11-09-2015, 12:55 AM   #13
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Regardless on what you decide to do, you need to contact your insurance company. Most states require you to file a report with your BMV or DMV to proof that you have insurance. The insurance company doesn't have to pay you if you don't report the accident. Did he give you his driver's license to look at?

Got his name with DOB? He may not have a license, so why would he have insurance if it's his car?
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Old 11-09-2015, 09:09 AM   #14
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just a fyi for future/others. ALWAYS file a police report. I had someone back into me in a parking lot who said they would fix it but then claimed I rear ended them. It was long time ago and I'm still po'd


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Old 11-09-2015, 02:27 PM   #15
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just a fyi for future/others. ALWAYS file a police report. I had someone back into me in a parking lot who said they would fix it but then claimed I rear ended them. It was long time ago and I'm still po'd



Exactly I got rear-ended by an uninsured motorcyclist a few years ago and he begged to not call the cops. They came I got my report and I notified my insurance. My insurance company later went after him for the repairs.


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Old 11-10-2015, 01:36 AM   #16
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Hey Andy I see your in Oxnard I live here too I suggest you take it to Maaco Collision and repair on Wooley and commercial and get an estimate they do really good work, I taken a couple of cars there and have always received good service and great job on their paint and body work, or if your going thru your insurance take it to Tony's body shop on Lambert st they always use OEM parts and do really good work if you need more then getting it repainted and body work done.
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Old 11-10-2015, 01:58 AM   #17
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rear ended

I wouldn't take a bicycle to Maaco. Maybe they're different where you live but down here its bottom of the barrel.


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