Body damage to the roof and hood

[joec]

I’m not going through my insurance because the other party admitte fault. If I file the claim, I would owe my deductible, lose my perfect driver rebate, and suffer higher premiums down the road. That could total $1,500-2,000. I would rather just enforce the legal responsibility of the other party’s insurance carrier.

So long as your insurance company doesn’t mark the incident as your fault, none of this is true. They will get back all their money, and you will get your deductible back, through a process called subrogation. It takes a few months for the deductible to be returned. But the advantage is that your insurance company handles everything, including haggling with their insurance company.

A number of folks here have reported that insurance companies of the folks who damaged their cars try their best to get away with not paying what you are owed. Then you have to argue with them yourself to demand proper compensation.

Personally, having done it both ways, I prefer to let insurance companies talk to insurance companies. I can wait for my small deductible to be returned to me.

 

[borski]

I’m not going through my insurance because the other party admitte fault. If I file the claim, I would owe my deductible, lose my perfect driver rebate, and suffer higher premiums down the road. That could total $1,500-2,000. I would rather just enforce the legal responsibility of the other party’s insurance carrier.

Double check with your insurer, but that is not true. You would owe your deductible, yes, but your insurance would not mark it your fault.

What would happen is your insurance would pay out, you would use them (which is probably better than theirs), and they would go and subrogate against the other insurance carrier to get back your deductible and their payout.

 

[Daniel2022AT]

Great thoughts. But. No. Unfortunately. Not in Wisconsin.

Double check with your insurer, but that is not true. You would owe your deductible, yes, but your insurance would not mark it your fault.

What would happen is your insurance would pay out, you would use them (which is probably better than theirs), and they would go and subrogate against the other insurance carrier to get back your deductible and their payout.

 

[Daniel2022AT]

BTW I initiated communication between the two insurance companies. Originally, Lucid Chicago pointed me to the only body shop in 300 miles that can do the repair. 4 weeks later, Progressive says they are not a “preferred” vendor so they will not pay. I said, OK, take the vehicle to a preferred vendor and get it repaired. My insurance company relayed this communication to me. My insurance company seems to be allying with Progressive. I’m sure are right legally. But it is not worth my time and brain damage to deal with this. Major negative experience to owning a Lucid. $8,000 repair. All because of a scratch on the bumper my wife insists we sell it.

 

[Daniel2022AT]

BTW I initiated communication between the two insurance companies. Originally, Lucid Chicago pointed me to the only body shop in 300 miles that can do the repair. 4 weeks later, Progressive says they are not a “preferred” vendor so they will not pay. I said, OK, take the vehicle to a preferred vendor and get it repaired. My insurance company relayed this communication to me. My insurance company seems to be allying with Progressive. I’m sure are right legally. But it is not worth my time and brain damage to deal with this. Major negative experience to owning a Lucid. $8,000 repair. All because of a scratch on the bumper my wife insists we sell it.

BTW I initiated communication between the two insurance companies. Originally, Lucid Chicago pointed me to the only body shop in 300 miles that can do the repair. 4 weeks later, Progressive says they are not a “preferred” vendor so they will not pay. I said, OK, take the vehicle to a preferred vendor and get it repaired. My insurance company relayed this communication to me. My insurance company seems to be allying with Progressive. I’m sure are right legally. But it is not worth my time and brain damage to deal with this. Major negative experience to owning a Lucid. $8,000 repair. All because of a scratch on the bumper my wife insists we sell it.

You are right legally.

 

[Val]

3 months later... The conclusion.

Flashback to State Farm's own appraisal, the guy that looked at it said that even though it's aluminum, a good shop should be able to repair everything without replacement... Estimate was $3,173.99

So I brought my car to the only Lucid approved shop in my state. Right away the shop employee was saying that none of this is repairable and the hood and roof need to be replaced and that $3k was not even close.

The shop sent their estimate to my insurance: $27k!
Unfortunately the threshold for total loss was estimated at $35k, so they didn't consider that...
However Lucid came to the rescue: they don't have a repair plan for the metal roof! Turns out, without a repair plan, any damage to the roof is considered structural and the shop said that it wasn't repairable.

Fast forward today and my insurance declared the car as a total loss since the roof is not repairable and not replaceable.

At the end, my insurance estimates that a 2023 lucid air pure with 23k miles on it has a cash value of $44k (glad I didn't buy the thing!!!)

Thus ends my journey with Lucid.
From the start I've regretted getting this car (disappointments after disappointments) and the lease kind of locked me in. I consider myself very lucky that that gust of wind ended my lease 2 years early.

 

[Lucken]

So a dent in the roof results in the car being totaled? Hmm, doesn’t sound right, but who knows.

 

[borski]

At the end, my insurance estimates that a 2023 lucid air pure with 23k miles on it has a cash value of $44k (glad I didn't buy the thing!!!)

I have personally seen a metal roof that was repaired, so something here doesn’t sit right, but I’m glad it is over for you either way.

One note: this is why I always look for agreed value insurance for cars that have value. Relying on “market rates” is generally a loser for the insured.

 

[Val]

I have personally seen a metal roof that was repaired, so something here doesn’t sit right, but I’m glad it is over for you either way.

One note: this is why I always look for agreed value insurance for cars that have value. Relying on “market rates” is generally a loser for the insured.

Repaired or replaced? The shop was saying that the bend in the metal would not be repairable because the aluminum was already too stretched.
For replacement, Lucid said that the repair plan is not ready, not sure if the roof on my pure is special.

For the value of the car, I am not sure I understand. Do you mean gap insurance? Luckily the lease agreement doesn't require gap payment in case of total loss.

 

[borski]

Repaired or replaced? The shop was saying that the bend in the metal would not be repairable because the aluminum was already too stretched.
For replacement, Lucid said that the repair plan is not ready, not sure if the roof on my pure is special.

For the value of the car, I am not sure I understand. Do you mean gap insurance? Luckily the lease agreement doesn't require gap payment in case of total loss.

Tbh, I don’t know if it was a repair or replace, but it was small enough that I believe it was a repair. So that may be right.

And no, gap is separate. I mean agreed value vs actual cash value.

Agreed value coverage insures your car for an amount you and your insurer agree upon.

Regular auto insurance generally only insures your vehicle for its actual cash value, which may not reflect what your car is worth within the car market.

People often do this for collector cars, but there are insurers that will write agreed value policies, like PURE, Chubb, SafeCo, Cincinnati, etc.

If my DE gets totaled tomorrow, I get back $115,844, even after a fender bender and nearly 3 years of driving it. I bought it for $169, 900 obviously, but at launch.

My wife’s Ioniq 5 agreed value is $44,225. I bought it for $53k or so two years ago.

 

[Val]

Looks like my car made it to the salvage yard, anyone wants to make a bid?

https://www.copart.com/lot/86011484/2023-lucid-motors-air-pure-co-denver-south

 

[Andretex]

Wow looks great. I an sure someone will figure out how to fix this car.

 

[WildRide47]

Great thoughts. But. No. Unfortunately. Not in Wisconsin.

Borski and Joec are correct. Let the insurance companies fight it out and yes you will get back your deductible.

Over the last few years I have seen constant complaints on this forum about insurance companies not wanting to pay the repairs costs for our Lucid cars and instead offering low ball amounts. Folks it's time to do your research. You would not be having these problems if you bought an insurance company policy that pays agreed upon value instead of actual cash value as Borski stated above. Borski did you a favor and listed the several companies that do this valuation method. I myself have the PURE company and they were exceptional in handling my claim without any fuss or delay and paid the full amount.

It's not that much different than People who signed up for a Medicare Advantage Plan instead of Traditional Medicare. Many of those who chose the former are then unhappy when they need a referral to see a specialist and it is denied or otherwise delayed or the doctor is outside the network. With Traditional Medicare they can see anybody they want without a referral and there is no network to worry about. Yes, Traditional Medicare costs more, but you get what you pay for and when it comes to your health and possible life you don't want to mess around with trying to get the lowest cost provider.

Yes, my last paragraph is not related to the Lucid Forum, but it does emphasize how important it is to read your policies and get the right insurance company so you don't have regrets later on.

 

[Val]

Wow looks great. I an sure someone will figure out how to fix this car.

At 44k retail value and 27k of damage. Either it has to be someone that doesn't care about the damage (with a windshield repair, the rest doesn't actually need to be fixed), or someone who's going to do the repairs themselves, though I don't know how easy Lucid parts are to get.

 

[Pragmatic]

And no further updates or warranty.