Mercedes-Benz Forum banner
21 - 40 of 44 Posts

·
Registered
Joined
·
5 Posts
Discussion Starter · #23 ·
avoid insurance completely and make the shop buy you the same model of car. Then swap over parts. and sell the spares you don't need.
:sneaky:Well but where do you find body in perfect shape with 0 rust and there is still some problem with some laws stuff im not sure how it ends but i want to keep that car and scavenge everything that will be usefull and possibly sell it or use it because i know how rare are some parts and anyone here in this r129 community would appreciate some parts. But it all depends on deal we make with him.
 

·
Registered
Joined
·
5 Posts
Discussion Starter · #24 ·
I didn’t see any structural damage. The insurance appraiser didn’t look for any structural damage. My family and I are convinced my car was resold. That said, I got some 4 times what I paid for it. Though I’d rather have the car…
Im not a proffesional but engine has been pushed back, driver side front wheel was totaly destroyed, i even found springs lying near car and A pillars are bend im not sure if its safe for a repair or if there is any other structural damage but I dont know how much repair like that would cost and if it exceeds the price of the car it would be hard for me financially
 

·
Registered
1989 300SE 240k miles
Joined
·
2,886 Posts
Im not a proffesional but engine has been pushed back, driver side front wheel was totaly destroyed, i even found springs lying near car and A pillars are bend im not sure if its safe for a repair or if there is any other structural damage but I dont know how much repair like that would cost and if it exceeds the price of the car it would be hard for me financially
Sorry. My post was in regard to my car. I get you love that car. But personally, I wouldn’t touch a car after your accident. No matter how good the price.
 

·
Registered
M113 SL500
Joined
·
648 Posts
Yes, that car is gone. The only thing I might try to save if at all possible are the manual transmission parts. I don't know the situation in Europe, but I imagine it is much like the US in that manual transmissions R129's are as rare as hen's teeth. Otherwise you won't be able to replicate that car with another if you can't find a manual, in which case its simply time to move on.

Me personally, I would try to salvage those OZ Mito Modulars before even the transmission. Those wheels being sent to the highway in the sky with the rest of the car makes my heart hurt.
 

·
Registered
2000 sl320 Almondine
Joined
·
395 Posts
Dito, will that manual box go on a 320 or 500 ?
That car is parts heaven.
 

·
Registered
1989 W124 260E
Joined
·
3,436 Posts
Repair this ,,is it possible ,,, i dont think so - most new parts are NLA man hours will take $$$$$ .
 

·
Registered
2002 SL500 Silver Arrow
Joined
·
885 Posts
Insurance companies don't total vehicles because they can't be bothered to fix it. They are businesses that are formed with an ultimate goal of being profitable. In the current auto market --- used --and new for that matter -- vehicles are at record prices, so the bar for declaring a total loss is extremely low.

For example, take a $20,000 vehicle. It doesn't take $20,000 in damage to total it. It takes the payout value LESS the wholesale value of a wrecked vehicle when sold at auction. And there are enough auctions and transactions that an insurance company basically has real time values of what they are selling. So in the example of the $20,000 vehicle, if the market for a wrecked SL-whatever is $10,000 at wholesale -- it only takes $10,000 of damage to declare the total loss. If the wrecked value goes to $10,500, your car is totaled at $9,500 and so on.

It is just math that any kid with an excel spreadsheet can do.

The process is very different in parts of Europe where the vehicle owner takes bids on the vehicle over a few weeks and sells it to the highest bidder, and the insurance company pays the difference to make the owner whole (according to the value). But the US market is considerably more liquid and the owner is bought out of the process immediately.
 

·
Moderator
1995 Mercedes S420, 1995 SL320, 2000 Land Rover Discovery II, 1985 Lotus Turbo Esprit
Joined
·
2,157 Posts
In reality, the adjuster looks at the car, sees its a 30-year-old Mercedes, decides that there's no way it's worth it and will be nothing but a headache for the company, and writes 'totaled' on the sheet before moving onto his next Toyota Camry.

They don't factor in things like finding used body panels, aftermarket parts, etc. They put all the damage into the computer, get the new OEM prices for everything they want to replace, and it inevitably adds up to 5x the value of the car.

Now, if you have a good relationship with a body shop, they can usually convince the adjuster to not total the car by telling him they're willing and able to do the work within a set budget. But if you just drove a damaged 30 year old Mercedes into a random insurance adjustment center, there's a better than 90% chance they'd give it a cursory glance and total it. That's how insurance actually tends to work.

This is why collector insurance is so important. A collector policy will allow you to set an agreed value on your car -- my agreed value on my R129 is currently $35k -- and then will work with you on repairs should they be needed. Even if that means shipping the car off to a specialist because nobody local is qualified to do the work, or searching for hard-to-find parts even if they're expensive.

This is the only kind of protection that can ensure your car gets repaired for most damage. Otherwise you're really rolling the dice with a standard insurance company for cars like these. Why risk it?
 

·
Registered
2002 SL500 Silver Arrow
Joined
·
885 Posts
policies can be written to use aftermarket parts -- premiums are lower obviously, so they have a place in the market, but anything written for the vehicle to be returned to 'as new' condition would only use OEM stuff.

As Thom_7 states, the issue is to not insure your collector car as you would a commodized car unless you are ok with it being treated that way if something happens to it.

Personally, I daily my SA and don't want an collector car insurance company telling me how I can use it - I don't want to be told that I can't drive it to work, can't park it on the street, can't take it to go grocery shopping or hop in it and drive halfway across the country if I feel like it -- that I only have x,xxx miles per year of 'pleasure driving'. I also want my family members to be able to take it out as they wish. The only rule for my sons when they drive it is -- if you crash it, make sure it is totaled because I don't want it back after.
 

·
Premium Member
Joined
·
275 Posts
Last I looked, I couldn't get collector's insurance because I don't have a place indoors to park a car. So I'm "stuck" with my regular insurance. Luckily, my Mercedes is only 15 years old... :)
 

·
Registered
1997 W202 C200 Sedan
Joined
·
2 Posts
If your mechanic doesn't have his own insurance, sue his arse for a new car, he was driving,not you ,not your insurance companies problem...
 

·
Registered
2009 C300 Avantgarde 2007 (His) C280 Avantgarde (Hers)
Joined
·
38 Posts
What country you in? Because my car was considered a total loss from this. And I wasn’t allowed to buy it back.
View attachment 2711735
Insurance claims are discretionary to the insured. If you really wanted the vehicle you could have just ignored the insurance and paid for the repair while keeping the car!!
 

·
Registered
2009 C300 Avantgarde 2007 (His) C280 Avantgarde (Hers)
Joined
·
38 Posts
Hello, so i had my sl in one repair shop for maintenance and engine tunning an the guy crashed it pretty badly in 200km/h with rollovers, my question is is this still repairable? I love this car so much and motor seems in a good shape with no damage :( He survives with just brokend hand and lost finger only because of his stupidity, passanger was without any injury, this just proves r129 are the safest. But can it be repaired?

View attachment 2711716

View attachment 2711717

View attachment 2711718
View attachment 2711719
View attachment 2711720
Buy another one. This one's gone!!
 

·
Registered
1989 300SE 240k miles
Joined
·
2,886 Posts
Insurance claims are discretionary to the insured. If you really wanted the vehicle you could have just ignored the insurance and paid for the repair while keeping the car!!
Mmhmm. I was stopped at a stop sign. A kid stopped behind me, and then accelerated into me while I was still sitting. It was not my fault. I did not feel responsible for repairing my car in this situation.

And I never never not in a million years ever expected them to total my car.

If I had hit something, I would have repaired my car myself
 

·
Registered
2009 C300 Avantgarde 2007 (His) C280 Avantgarde (Hers)
Joined
·
38 Posts
Mmhmm. I was stopped at a stop sign. A kid stopped behind me, and then accelerated into me while I was still sitting. It was not my fault. I did not feel responsible for repairing my car in this situation.

And I never never not in a million years ever expected them to total my car.

If I had hit something, I would have repaired my car myself
I understand your reluctance to foot the bill however if you really want the car then bypassing an insurance claim and footing the repair bill might be the only option. It depends on your priorities .. the insurance co can't write your car off if they're not involved!!
 

·
Registered
2002 SL500 Sport
Joined
·
54 Posts
Fortunately in California (one of the few things any more that are good about the bureaucracy here) is that a total is automatically replacement cost coverage - not wholesale, not Blue Book, but actual replacement cost based on sales in the last 90 days (thank you Bring-A-Trailer). If you car was here, and you had collision insurance, you'd pay your deductible (subtracted from the replacement cost) and away you'd go.

Sorry you are going through this.

Hopefully you can sue the bastard and get your car replaced.

jdg
 
21 - 40 of 44 Posts
Top