accident 2016 S6 questions

[tfcc]

Hey folks,

I'm new to this forum, so please bear with me if I'm not very knowledgeable about things or if this is the wrong forum to post my query on

My whole family loves Audi vehicles - so this brand has been a constant in my life for a very long time

My brother has an S6. He was over at my place and I rushed out of my garage to grab something from the store - and of course - backed into his vehicle.

IMG-0087 (1).jpg

Okay folks - what do you think the damage is going to be in this situation? We don't necessarily want to go through insurance for a variety of reasons - but I'm slightly worried about the costs going into around $10 - $15k.
I'm hoping this is a small enough accident that it'll be under that amount - but who knows.
We're in BC, Canada.
Any advice would be awesome.

Thanks!

[daytona rs7]

Ballpark... just under 8k

Led headlight ​$2k
Acc realign $1k
Acc sensor (maybe) $2.5k
Bumper (used) $600
Repair hood and fender $400
Paint hood bumper fender $1000

[bpd]

I had bumper damage similar to that to my 17 A6. Just the bumper was $3300. Bumper skin was repaired not replaced. Grille and bottom corner trim was replaced. Might reach $10K in US dollar. Just get an estimate.

[tfcc]

Ballpark... just under 8k

Led headlight ​$2k
Acc realign $1k
Acc sensor (maybe) $2.5k
Bumper (used) $600
Repair hood and fender $400
Paint hood bumper fender $1000

I had bumper damage similar to that to my 17 A6. Just the bumper was $3300. Bumper skin was repaired not replaced. Grille and bottom corner trim was replaced. Might reach $10K in US dollar. Just get an estimate.

Thanks for the thorough response!
Yes - let's hope the acc sensor doesn't need replacement! I'm not sure at this point - but something tells me this might be the case!
Should my brother go to a dealership for this type of repair work - or would a competent body shop be able to handle things.
We're not sure if we need to tell the mechanic it's not going through insurance lol

[Alabama]

Should my brother go to a dealership for this type of repair work - or would a competent body shop be able to handle things.
We're not sure if we need to tell the mechanic it's not going through insurance lol

You should be able to go to a body shop (or two) and tell them you have not decided on whether to use insurance. They'll also tell you about not quoting for "hidden damage" (e.g., wheel alignment, etc.). I think in general a body shop will have more options to save money with OE/used parts than the dealer, and the damage looks primarily cosmetic. Maybe depends on whether it's your big brother or little brother!

[Cayo71]

This happened to me last week. Insurance wants to total my car. Insurance estimate came at little over $9K

[DC Dawg]

Why on early wouldn’t you go through insurance for this kind of damage ? It’s going to be expensive and it’s literally why you have insurance.

Or invest 10k + into an already depreciating asset. Makes sense.


Sent from my iPhone using Tapatalk

[gk1]

Unfortunately this was over $16k
It's the unseen stuff that kills ya.
Hood
Bumper/bumper support
Radiator support
Headlights

[tfcc]

This happened to me last week. Insurance wants to total my car. Insurance estimate came at little over $9K

Yikes! Thanks so much for posting your experience for me. Your accident looks very similar to my situation.
Sigh - around $9k eh? Does that include aftermarket parts?

My brother is going to start asking folks from the Audi Vancouver Island group for advice.

[tfcc]

Unfortunately this was over $16k
It's the unseen stuff that kills ya.
Hood
Bumper/bumper support
Radiator support
Headlights

Thanks for posting your experience to help me out.
Yah - that's what I'm worried about - the inner elements is what's going to cost me in the end
How did you get your assessment? Garage or dealership?

[tfcc]

Why on early wouldn’t you go through insurance for this kind of damage ? It’s going to be expensive and it’s literally why you have insurance.

Or invest 10k + into an already depreciating asset. Makes sense.


Sent from my iPhone using Tapatalk

No - I agree. I just didn't know exactly what kind of costs we were looking at.
The only other issue is that my brother has been tardy making the transition from ontario plates to BC plates and that makes him nervous about going through his insurance (he has insurance so that's not the issue)

[Upstate Audi]

No - I agree. I just didn't know exactly what kind of costs we were looking at.
The only other issue is that my brother has been tardy making the transition from ontario plates to BC plates and that makes him nervous about going through his insurance (he has insurance so that's not the issue)

There is no reason why this should go through your brothers insurance.

I cant say for certain as this is in Canada but in NY this would be a property damage claim on your insurance and there would not be a deductible.

[daytona rs7]

There is no reason why this should go through your brothers insurance.

I cant say for certain as this is in Canada but in NY this would be a property damage claim on your insurance and there would not be a deductible.

property damage?

while both parties insurance companies should be aware of the incident, the S6 insurance is really just a mediator and should be pursuing (and forwarding) full reimbursement from the driver of the car that was in motion to the S6 owner. the S6 owners insurance should not actually be paying anything, therefor their deductible and rate should not increase.

Typically NY is a "no-fault" state and each cars insurance company pays for their own insured vehicle, but I do not think that is relevant when one of the cars was parked.

[Upstate Audi]

property damage?

while both parties insurance companies should be aware of the incident, the S6 insurance is really just a mediator and should be pursuing (and forwarding) full reimbursement from the driver of the car that was in motion to the S6 owner. the S6 owners insurance should not actually be paying anything, therefor their deductible and rate should not increase.

Typically NY is a "no-fault" state and each cars insurance company pays for their own insured vehicle, but I do not think that is relevant when one of the cars was parked.

Yes, property damage is considered damage to another person's physical property. If you rear end someone's car or drive through the side of their house, your property damage coverage is what pays out for the repairs. It is an independent coverage from collision which covers damage to your vehicle only.

The S6 could inform his insurance and they would then go after the drivers insurance, but there is no obligation to do so and they can file the claim straight through the drivers insurance.

The no fault New York stuff mainly applies to medical damages. For property damage there are comparative fault laws but if one party is clearly 100% at fault (which this is the scenario) then only that party's insurance would pay out.

[Alabama]

There is no reason why this should go through your brothers insurance.

I cant say for certain as this is in Canada but in NY this would be a property damage claim on your insurance and there would not be a deductible.

I'm not an insurance expert but this vaguely rings a bell. I'm assuming the situation is that your brother's car was parked in the driveway of your house and your car backed into it and caused the damage. Then, one option is you each contact your respective auto insurance companies and let them sort it out (e.g., brother's company pays his expenses under "collision coverage" then bills your insurance company). Another option is that you and your brother contact your auto insurance company, which then pays your brother directly (again under collision coverage). The third option may be using your homeowner's insurance to cover the damage to his car, since it was parked in your driveway. I'm not sure this is correct so confirm with an insurance agent, but from a website: "One situation in which your homeowners insurance would cover the damage to a vehicle is if the vehicle is not owned by you and was damaged while parked on your property. For example, if a guest at your home has parked in your driveway and your child smashed into the side of the car with his bike, your homeowners insurance would cover the cost of repairs."

[Phenotis]

The LED headlight and ACC sensor is probably going to be the most expensive. See if you can get a unit from a wrecker's/craiglist/eBay for cheaper.

Other stuff looks cosmetic and can be repaired instead of replaced. Respray is usually at least $1000 for any bumper but it looks like you might have gotten the driver's side quarter panel as well and some of the hood. If that's the case figure maybe 3-5k for paint.

[OlyS6]

Hey folks,

I'm new to this forum, so please bear with me if I'm not very knowledgeable about things or if this is the wrong forum to post my query on

My whole family loves Audi vehicles - so this brand has been a constant in my life for a very long time

My brother has an S6. He was over at my place and I rushed out of my garage to grab something from the store - and of course - backed into his vehicle.

IMG-0087 (1).jpg

Okay folks - what do you think the damage is going to be in this situation? We don't necessarily want to go through insurance for a variety of reasons - but I'm slightly worried about the costs going into around $10 - $15k.
I'm hoping this is a small enough accident that it'll be under that amount - but who knows.
We're in BC, Canada.
Any advice would be awesome.

Thanks!

I have a set of LED headlights from my 2016 S6 that I can sell you, $1000 USD plus shipping. They would just need the fans and ballasts from the originals. They are in perfect condition.

[tfcc]

I have a set of LED headlights from my 2016 S6 that I can sell you, $1000 USD plus shipping. They would just need the fans and ballasts from the originals. They are in perfect condition.

Awesome!
Thanks very much. I will pass along this information to my brother today!
I really appreciate your willingness to help me in this situation!

[tfcc]

property damage?

while both parties insurance companies should be aware of the incident, the S6 insurance is really just a mediator and should be pursuing (and forwarding) full reimbursement from the driver of the car that was in motion to the S6 owner. the S6 owners insurance should not actually be paying anything, therefor their deductible and rate should not increase.

Typically NY is a "no-fault" state and each cars insurance company pays for their own insured vehicle, but I do not think that is relevant when one of the cars was parked.

Yes - under normal circumstances it might make sense to go through car insurance - I'm just trying to see if it's possible to avoid it for my brother's sake (he was a bit tardy in getting his plates switched over when he moved to BC a little while ago). But - I agree with you. We have no fault insurance here in BC (and in Ontario for that matter) - but the fault would go towards me rather than my brother.

There is no reason why this should go through your brothers insurance.

I cant say for certain as this is in Canada but in NY this would be a property damage claim on your insurance and there would not be a deductible.

Yes, property damage is considered damage to another person's physical property. If you rear end someone's car or drive through the side of their house, your property damage coverage is what pays out for the repairs. It is an independent coverage from collision which covers damage to your vehicle only.

The S6 could inform his insurance and they would then go after the drivers insurance, but there is no obligation to do so and they can file the claim straight through the drivers insurance.

The no fault New York stuff mainly applies to medical damages. For property damage there are comparative fault laws but if one party is clearly 100% at fault (which this is the scenario) then only that party's insurance would pay out.

Ah! Thanks very much for this tidbit of information. I didn't even think about looking into property damage for this situation - but since it occurred while my brother was parked - this might be the best option. My brother is just worried about his license plate not being registered in BC = but if I completely go through my property insurance than his insurance won't necessarily need to get involved AND potentially my car insurance rate won't sky rocket.

I'm not an insurance expert but this vaguely rings a bell. I'm assuming the situation is that your brother's car was parked in the driveway of your house and your car backed into it and caused the damage. Then, one option is you each contact your respective auto insurance companies and let them sort it out (e.g., brother's company pays his expenses under "collision coverage" then bills your insurance company). Another option is that you and your brother contact your auto insurance company, which then pays your brother directly (again under collision coverage). The third option may be using your homeowner's insurance to cover the damage to his car, since it was parked in your driveway. I'm not sure this is correct so confirm with an insurance agent, but from a website: "One situation in which your homeowners insurance would cover the damage to a vehicle is if the vehicle is not owned by you and was damaged while parked on your property. For example, if a guest at your home has parked in your driveway and your child smashed into the side of the car with his bike, your homeowners insurance would cover the cost of repairs."

Excellent - thanks very much for pulling up that quote from a website for me. Boy - I wish I hit my brother's car with my bike instead of my vehicle!
I think I'll try and call my homeowner's insurance today to clarify my options. I believe home insurance is clearly the best option at this point.

[gk1]

Thanks for posting your experience to help me out.
Yah - that's what I'm worried about - the inner elements is what's going to cost me in the end
How did you get your assessment? Garage or dealership?

Body shop.
Initial estimate was lower, but it just kept growing and growing and growing as they took things apart.
Sorry

[5000S]

This is unfortunate, but it is your fault, completely, and not your brothers at all. No reason to bring in his car insurance, unless you or your insurance company does
not want to pay.
I just had a vehicle with a deer hit in November, hidden damage can add up quickly, we found that out.

It is too bad, but things happen, and I feel for you.

[sepheroth86]

In Michigan USA, if the car is parked, the damage would be property damage and the driver of the other vehicle's insurance covers everything. No different than if you drove your car into a house.