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Discussion Starter · #1 · (Edited)
I am heartbroken. My '05 Elise with 4400 (yes, hundred) non-track miles was just T-boned by an SUV that ran a stop sign. My wife was in the passenger seat at the time and could have been killed, but was able to walk away. She looked up and saw a headlight coming right at her 3 feet away, by the time she screamed it was too late for me to react. (Amazing wife, she was crying over the Lotus after the accident, not over her own trauma. :) ) The SUV literally plowed us sideways across the road and onto the sidewalk. It was pure luck that we didn't get pushed into another car or a tree, and I certainly couldn't have asked a car this tiny to fare any better against a big SUV. But on to less important things, I don't know how I will ever find another one this nice again - I was so lucky to find this one - and assume the driver's insurance company will fight me to the end over what it will really cost to replace a near-showroom Elise. She was my first modern sports car after having owned various vintage European two-seaters, and she was my pride and joy. (Yes, I did drive her, but only locally - an interstate is a mile from my house, great for unwinding on a short trip - and never in bad weather; she was loved but not a trailer queen.) Any thoughts on how to proceed? Any leads on a similarly pristine replacement?
 

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2005 Lotus Elise
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So sorry for your loss but it sounds like you both got out of it in fair but shaken shape. Wow...
 

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Sorry you went thru that experience the best part is you both are ok! There is a 9xxx mile Elise that just went on the market here on LT. One more post and you'll be good to go.
 

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This is the lowest mileage Elise I have seen in a bit. This may be OPs best option if they like the color.
 

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Wow, very sorry for your loss. Glad you both are basically OK.
Any chance you can strip those sport wheels off and sell em to me? Seriously, I’d buy the car back from the insurance company since you’re planning on sticking with an Elise. It would be wonderful to have a parts car.
Good luck with the search, and I hope everything gets resolved quickly and in your favor.
 

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Hard to tell unless you start pulling panels off, but it might just be cosmetic... You might get away with a new door and lower rear skirt.

I wouldn't write it off just yet. It'll likely cost you more to get into a similar condition (and mileage) Elise than to repair.

Best thing about it all, you're here to share the story, likely from the comfort of your own home.
 
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Glad you and your wife were able to walk away. Is there damage on driver's side of the car, or just what is pictured? If it is just what is shown, the car may not be a salvage, but carful chassis measurements would help confirm that.

As far as values, make sure the insurance adjuster sees the sales on Bring a Trailer, the upward trend is obvious and you can also find a few of the more pristine examples from the last year to help your case.

 

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Depending on the outcome of your adjuster estimate you might want to do some comps on Bat and here for last two years. The market has fallen some for our cars but it will certainly be higher than when you purchased. Much will depend on your insurance company. Diminished value is something to think about as well. Diminished value claim - my Evora got smacked
 

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Look up the guidelines for your state. Do not communicate or share anything with the insurance company. Allow them to make you an offer. Then look up the process to dispute. Generally you are allowed to get an appraisal by a state licensed appraiser. Your wasting your time trying to negotiate. Hire someone with the actual credentials.

There is a guy I can refer who does it across several states here in the south east. He is always very successful for his clients. Minimal charges for his services compared to what you get back.
 

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Running a stop sign-=LAWSUIT......You'll be able to buy whatever you want
 

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I don't think it is totaled. My car had front end damage and my insurance paid about $28,000 to have it repaired. It is a 2005 with 54,000 miles and they appraised it at $48,500. Just make sure you send it to a reputable repair shop. PM me if you have any questions.
 

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I don't think it is totaled. My car had front end damage and my insurance paid about $28,000 to have it repaired. It is a 2005 with 54,000 miles and they appraised it at $48,500. Just make sure you send it to a reputable repair shop. PM me if you have any questions.

Add in loss of use, and rental reimbursement for similar vehicle while you are waiting on repairs, and you will be surprised how quickly that repair bill goes up. Figure $300/day to rent something similar maybe. How long do you think it would take to get a clam for one of these? Each day it sits, increases cost of claim. Depending on state, there is also diminished value claim.

I am not sure what it is like in your area, but auto body shops are so backed up where we are, that even small accidents can result in totaled cars as the insurance company has to look at the cost of the entire claim NOT just the repairs. My wifes car got hit, and I did not think the damage was bad. They totaled the car. Body shops in my area were 3 months out from even doing estimates on cars. Area of 2 mil plus people with 100's of shops. All back logged. Parts shortages, labor...etc.
 

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Add in loss of use, and rental reimbursement for similar vehicle while you are waiting on repairs, and you will be surprised how quickly that repair bill goes up. Figure $300/day to rent something similar maybe. How long do you think it would take to get a clam for one of these? Each day it sits, increases cost of claim. Depending on state, there is also diminished value claim.

I am not sure what it is like in your area, but auto body shops are so backed up where we are, that even small accidents can result in totaled cars as the insurance company has to look at the cost of the entire claim NOT just the repairs. My wifes car got hit, and I did not think the damage was bad. They totaled the car. Body shops in my area were 3 months out from even doing estimates on cars. Area of 2 mil plus people with 100's of shops. All back logged. Parts shortages, labor...etc.
This is where the "do you want it totaled" to come in. If they offer 60k sure total it. If insurance is on the fence on totaling it and the rental or loss of use is going to push the claim over, then Ill wait go without a rental. It is not my only car. There's some flexibility here if you're dealing with a decent insurance agent.
 

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I also don't think that will total, but it 100% depends if there is any bent metal. If it's all fiberglass its only a $30k fix tops. If there is metal broken then it could be trouble. If your repair center needs a firewall I have one, not sure if they are available new or not.

I do this kind of repair, but I am down in TX.
 

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Add in loss of use, and rental reimbursement for similar vehicle while you are waiting on repairs, and you will be surprised how quickly that repair bill goes up. Figure $300/day to rent something similar maybe. How long do you think it would take to get a clam for one of these? Each day it sits, increases cost of claim. Depending on state, there is also diminished value claim.

I am not sure what it is like in your area, but auto body shops are so backed up where we are, that even small accidents can result in totaled cars as the insurance company has to look at the cost of the entire claim NOT just the repairs. My wifes car got hit, and I did not think the damage was bad. They totaled the car. Body shops in my area were 3 months out from even doing estimates on cars. Area of 2 mil plus people with 100's of shops. All back logged. Parts shortages, labor...etc.
My car was at the body shop for 7 months, I did not need a rental because I have 4 cars. My friends BMW was at the dealer body shop for 6.5 months. FYI I have Allstate and used a Lotus specialist. I originally took to the local Lotus recommended shop and removed it because they had to outsource the estimate and Allstate would not pay for that. So I shipped it thousands of miles away to a Lotus specialist and I am very glad I did.
 

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Show the insurance company listings like this.


 
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