: I hit a deer



cadigirlchicago2
03-08-13, 08:50 PM
I was driving home tonight and hit a deer. There was no time to even react, it came out of nowhere and I was already hitting it before I even realized what was happening. Damage is mostly on passenger front end. I was going about 45 mph. Car started to smoke like crazy, passenger side door is hard to open, no passenger headlight, hubby says front is totally destroyed. I'm too scared to look but it's leaking fluid. We were literally feet from turning into our community so I drove it home but it didn't want to fully shut off at first and the engine guage was going to the section just under the red. I guess I'll have to have it towed tomorrow. Ugh. This is our only vehicle....not cool.

$500 deductable as well.

Not a good way to end the week. Anyone have any tips on what happens next? I have never hit any type of animal let alone a large deer.

adamjeeps
03-08-13, 09:30 PM
First thing is make sure you are OK. You may feel OK now but might be a different story in the morning. Call insurance company and tell them what happened. They will send out an adjustor to determine if the damage is too great to fix or if it can be repaired for less than the replacement value. Who is your insurance company? Make sure to tell them your temp gauge was pegged to the red. Don't let them use aftermarket parts. They will do this to try to keep costs down.

Again, I hope you are OK. Good luck.

cadigirlchicago2
03-08-13, 09:39 PM
I feel fine, I don't think my body jerked but I'll see how I feel tomorrow. I'm freakisly calm thru this all, I wasn't shaking or crying, I'm sorta a tough girl that way. I am with state farm. I was going to have the dealership body shop do the repairs, do you think that's a wise choice? Because the coolant was leaking, the car started to make a loud rrr rrrr noise and then when we drive into the community I made sure to check teh tire pressure which was reading fine but that engine temp guage was definately above the 1/2 mark but not into the red yet. That fan was definately running. when I tried to use the right directional, it would click normally for 2x and the really fast so I think some electrical is messed up as well. My husband says we have no front end and the door was hard to open but again it's dark adn I did NOT want to see any blood or parts so I'm waiting for him to look it over again in the morning before I look. There is some wire sticking out as well. I'm still shocked that this happened....it's almost a blessing that I didn't see the deer, just wham, it was there, even if I wanted, I couldn't have done anything to avoid it. I feel bad when animals get hit, I hope it died right away.
thanks for the heads up on aftermarket parts. Any other tips,everyone please chime in. Thanks!!!

Ponyman
03-08-13, 10:12 PM
State Farm will likely have some approved body shops in your area. You don't have to have it repaired at a Cadillac dealership. Adam is right, don't let them use aftermarket partrs. If the front end is heavily damaged, door jammed, and engine and wiring problems also, then it is very possible the car is totaled. You probably have some type of rental coverage for a rental car with your insurance. If the car is totaled, then research the value and don't let the insurance company lowball you.
Even though they are your company they will try to get out as cheap as possible. They rreally aren't there to look after you.

cadigirlchicago2
03-08-13, 10:16 PM
Any idea where I can find out the best value of the car? Is that just the standard Kelly blue book?

adamjeeps
03-08-13, 10:42 PM
Any idea where I can find out the best value of the car? Is that just the standard Kelly blue book?

Edmunds.com
Kbb.com

Search auto trader and even Caddy dealers for how much your SRX is selling for. You are supposed to be able to replace your vehicle with the money insurance gives you if it is totaled.

If you get a chance post some pics. And remember, it's just a car, these things happen every day so don't worry about it too much :)

cadigirlchicago2
03-08-13, 10:50 PM
Thanks! Well, I can't worry about it right now. Hubby thinks if the coolant was leaking, it was just a hose but again, just pure speculation. yes, I will take pictures and post. Husband says there is fur on the grill, or what we have of a grill....yuck.

adamjeeps
03-08-13, 10:54 PM
I was going to say there is usually evidence of the animal remaining on the damaged areas. At least insurance won't question what happened.

Stingroo
03-08-13, 11:02 PM
Oh deer.


At least you're safe, be thankful for that.

Good luck dealing with insurance.

GeeVee
03-09-13, 03:51 AM
This may sound goofy but where I live in BC, you have to make sure you tell the insurance company the deer hit you and not vice versa. It`s a crazy technicality but it`s true. Good luck!

erdoc48
03-09-13, 06:23 AM
For your SRX to be totaled, the damages would need to exceed 80% of he vehicle's value. Based on what you describe, I doubt it's totaled (only he adjuster can make that determination). As long as you're not injured, let the insurance company do the work for you and get your SRX repaired. $500 is a pain to pay, but it beats physical injury associated with a deer strike. We have deer in our community as well, and they sometimes appear from nowhere.

Good luck with the repairs.

cadigirlchicago2
03-09-13, 09:32 AM
The damage is pretty bad but I guess not as horrible as i thought. The right headlight is just hanging there by wires. The passenger front 1/4 panel by the wheel well is bent. The is alot of fur in the grill (gag). Yes it definitely ran and hit me, not like it was standing in the road and I hit it. Our area has alot of deer, I am paranoid all the time and watching for them. Ugh. There is basically a gaping hole from where there was a passenger head light.

paid4c4
03-09-13, 11:07 AM
Glad that you're not hurt. I've always felt you get a better body work from the dealer than State Farm. Press the insurance company about the replacement value and the total value, you can get them to come off of the 70% figure for replacement. I had a rider added to my policy which replaces our 2012 SRX for the first 2 years with 25% damage, that way you're not stuck with a new car which has been patched together. Good luck with your car.
Bill

cadigirlchicago2
03-09-13, 11:46 AM
I'm really wanting to use the dealer body shop as well. That's interesting about the rider - I'll mention that to husband. I'm very thankful, so glad I didn't see it coming across the road, that would have been so much worse, this way it was unexpected and I didn't have time to freak out.
quick update, apparently the dealership body shop is not an authorized repair center, I can use them but any work would not be guaranteed. We decided to go with gerber collision instead. They are going to tow the car on monday. Is that when I tell them about not wanting the after market parts? Do they have the right to tell me too bad, that's all I can get?

Marc NY
03-09-13, 04:59 PM
I'm really wanting to use the dealer body shop as well. That's interesting about the rider - I'll mention that to husband. I'm very thankful, so glad I didn't see it coming across the road, that would have been so much worse, this way it was unexpected and I didn't have time to freak out.
quick update, apparently the dealership body shop is not an authorized repair center, I can use them but any work would not be guaranteed. We decided to go with gerber collision instead. They are going to tow the car on monday. Is that when I tell them about not wanting the after market parts? Do they have the right to tell me too bad, that's all I can get? As others have stated the first and most important aspect here is that you are OK and the car will be fixed. You are very lucky that the deer did not come through the front windshield at you ... for certainly you would freaked out if that had happened. Second thing you must know is that you have the "right" to pick out the body repair shop that YOU want to use bottom line! Thus if you want your Cadillac dealer to do all the work you will need to do is ask them if they will use all OEM GM parts (which they should) and then ask them if they will guarantee all their work? (again they should). Now if you do decide to pick another body shop you must insist that they use ALL OEM GM parts PERIOD! If your insurance company bulks at you request ... and many do, then you must stand up for your rights and "insist" that they use 100% genuine parts no matter where you end up having it fixed.

NOTE: It doesn't matter if you hit a deer or the deer hit you for it wasn't your fault in either case. I hit a deer last year and first thing the insurance company asked me was to show proof i.e. photo of the deer or a police report saying I hit a deer. Make sure you take close up photos of the deer hair to prove that you hit a deer or the deer hit you. The insurance company "may" try to claim that you didn't hit a deer so please call the police to make a out accident report too! Since this is a comprehensive claim the deer accident will not go against you as being your fault.

cadigirlchicago2
03-09-13, 06:49 PM
Hi Mark

I pressed my onstar red button the second it happened and the state police came and gave us a report. State far said since the dealership isn't an authorized shop, under this claim if they don't correctly fix something then it wouldn't be guaranteed. My only concern is we DO NOT have rental coverage so the body shop said they will only give me a car for 5 days which stinks. I don't see this being done in 5 days. We only have one car so it will be a problem. I'll cross that bridge next week. We walked back today to the accident scene. There were lots of car parts which is what I heard like branches under the car. My headlight was there, plastic grill pieces, etc. we looked and saw we're it fell, there was deer hair all over, I really think I clipped its hip area or tail which is what I have in my grill I think is tail. There was some pink in the snowbut no body so it got away. Hopefully it wasn't too badly hurt and I just hope it didnt suffer softie in me. I will definitely heed everyone's words and insist on the OEM GM parts. I really appreciate you all, you have given me great advice in all postings and I really appreciate it very much! Insurance seemed very nice overall, very glad I do not have to pay my deductible, that is a huge bonus!

etexlady
03-09-13, 10:14 PM
Just wondering why the air bag didn't go off (or did it)? Glad you are okay.

dkozloski
03-09-13, 10:32 PM
Be thankful you didn't hit a moose. Usually the top of the car is peeled back like a sardine can and the moose lands in the front seat.

adamjeeps
03-10-13, 09:44 AM
Be thankful you didn't hit a moose. Usually the top of the car is peeled back like a sardine can and the moose lands in the front seat.

Do you speak from experience? Around here you got to watch for the occasional loose cow!

cadigirlchicago2
03-10-13, 03:04 PM
I don't know what the requirements are for the airbags to deploy ie rate is speed, force of impact. I am guessing since we didn't hit it square in the center I'd the car maybe that is why...the impact was all on passenger side/door. I'm sure glad they didn't go off, that would have been bad. No moose or rogue cows, just plenty of deer, fox, coyote, and tons of dead raccoons in summer.

XHitmanX
03-10-13, 04:15 PM
Get out the grill and invite us over..... Seriously, let you insurance agent handle it, that's why you pay him the big bucks. ( pun not intentional ).

Craig

warnercc
03-11-13, 11:05 AM
Interesting that I just went through the whole insurance thing this weekend. I had not checked prices in a couple of years and my insurance renews next week so I checked and I found a better deal with a more well known company than I had previously and amazingly, ended up with more insurance than I had previously. First, as far a OEM parts are concerned, unless you have a rider on your policy that specifically calls for OEM parts to be used, you more than likely will be required to bare the cost of the difference between OEM parts and aftermarket parts. This will be on top of your deductible. Second, you ALWAYS have the choice of where to have your car repaired. Interestingly, we have one body shop in our area that charges more than the normal rate schedules for repairs and our previous insurance company plainly stated that we could use this body shop but because they didn't adhere to the standard rates, we would have to pay any difference.....again over and above our deductible. Not a problem for me as I had never used that body shop but be aware. They should advise you before making that decision. Third, do your research. Not all body shops are created equal. If they don't give a lifetime guarantee on their work, find someone else. Fourth, when all is said and done, revisit your insurance coverage's. You will surprised how little it costs to add these different riders so when the time comes, there will be no questions nor arguments with the Insurance company. As far as your deductible goes, you will be surprised that to lower your deductible will cost very little in the grand scheme of things. For instance, I always carry $100 deductible on both collision and comprehensive. Just last month when I was changing the insurance to the new car I thought I would compare prices between $100, $250 and $500 deductible. What I found was amazing. For our three cars, the difference between $100 and $250 was about $15 total per month. To go to $500 deductible was only about $25 total per month. I don't know about you, but I probably throw away more than $15 or $25 a month so why would I change my insurance coverage for so little savings? Be smart, unless you have a really bad driving record, more insurance doesn't necessarily mean astronomical costs especially when your peace of mind is involved. And NO, I am not an insurance agent.

adamjeeps
03-11-13, 11:14 AM
Interesting that I just went through the whole insurance thing this weekend. I had not checked prices in a couple of years and my insurance renews next week so I checked and I found a better deal with a more well known company than I had previously and amazingly, ended up with more insurance than I had previously. First, as far a OEM parts are concerned, unless you have a rider on your policy that specifically calls for OEM parts to be used, you more than likely will be required to bare the cost of the difference between OEM parts and aftermarket parts. This will be on top of your deductible. Second, you ALWAYS have the choice of where to have your car repaired. Interestingly, we have one body shop in our area that charges more than the normal rate schedules for repairs and our previous insurance company plainly stated that we could use this body shop but because they didn't adhere to the standard rates, we would have to pay any difference.....again over and above our deductible. Not a problem for me as I had never used that body shop but be aware. They should advise you before making that decision. Third, do your research. Not all body shops are created equal. If they don't give a lifetime guarantee on their work, find someone else. Fourth, when all is said and done, revisit your insurance coverage's. You will surprised how little it costs to add these different riders so when the time comes, there will be no questions nor arguments with the Insurance company. As far as your deductible goes, you will be surprised that to lower your deductible will cost very little in the grand scheme of things. For instance, I always carry $100 deductible on both collision and comprehensive. Just last month when I was changing the insurance to the new car I thought I would compare prices between $100, $250 and $500 deductible. What I found was amazing. For our three cars, the difference between $100 and $250 was about $15 total per month. To go to $500 deductible was only about $25 total per month. I don't know about you, but I probably throw away more than $15 or $25 a month so why would I change my insurance coverage for so little savings? Be smart, unless you have a really bad driving record, more insurance doesn't necessarily mean astronomical costs especially when your peace of mind is involved. And NO, I am not an insurance agent.

Unless you plan on filing a claim at least once a year, seems like you are throwing money away by having the deductible at $100. That extra $15 or $25 per month extra adds up quickly over time.

cadigirlchicago2
03-11-13, 11:21 AM
I really appreciate the info, thanks! Yes, we will definitely look into things once the dust has settled. I was not aware of these riders and stuff like that but again, that’s hubby’s department but I will for sure push for the rental coverage going forward. If we had 2 cars, it might not be necessary but this is our 1 and only vehicle so that is a must. I guess we can also look around with other carriers. Right now we have state farm. I don’t think we have ever compared to all state or geico. Just not sure what the differences are but it’s certainly something to look into.
Today was my 1st day driving, I have a clean driving record, never an accident or even ticket. I am very confident driving since I learned to drive in Canada and the driving conditions there are less than ideal. It gets so cold, the streets never get plowed to bare cement so ruts galore. It was very foggy today and I avoided the road the accident happened at. I know I’ll have to use it but just sorta gun shy today being the 1st day behind the wheel.
Tow truck just picked up the car on a flat bed. I’m curious if the body shop will even look at it today but yes, the reason why this place was suggested is because they guarantee the work lifetime. I also seem to recall hearing that if the vehicle is within afew years old, they normally use the factory parts anyways. I wonder with our SRX’s having some unique parts, if there are even any generic ones out there? Like the headlight, that will be original, the grill will be original, what sorts of parts would I have to watch out for that would not be OEM?

Cadillac Cust Svc
03-11-13, 01:42 PM
Cadigirlchicago2, I'm just catching up with this thread after being off duty this weekend, and I'm so sorry you experienced this! It's a relief that you are alright and safe after that, and I'm glad you were able to get back on the road today. While I understand you're seeking input from the community, I wanted to let you know I'm keeping my eye on this thread and am available via private message if you have any vehicle questions along the way.

Best,

Katie
Cadillac Customer Service

warnercc
03-11-13, 03:38 PM
Unless you plan on filing a claim at least once a year, seems like you are throwing money away by having the deductible at $100. That extra $15 or $25 per month extra adds up quickly over time.

To each their own. I'll pay the extra $5-$8 per month per car. It's not going to break me and I would really be upset to have to write a check for $500 on top of being ticked off to begin with for having an accident. If I can't afford the $5-$8, I shouldn't be driving a Cadillac.

adamjeeps
03-11-13, 03:58 PM
To each their own. I'll pay the extra $5-$8 per month per car. It's not going to break me and I would really be upset to have to write a check for $500 on top of being ticked off to begin with for having an accident. If I can't afford the $5-$8, I shouldn't be driving a Cadillac.

I didn't realize that was for all three cars. I thought you meant each. Thanks for clarification. (Going to call insurance now and check on this).

VHA
03-12-13, 06:57 PM
Deer/car collisions are covered under the comprehensive insurance clause, and that deductible is typically $50. $500 sounds like your collision deductible. If you ever hit a deer, call the police to report it -- so you can tell you insurance company about that call as evidence of the cause.

I had a deer collision a few years ago, and called 911 to report it. By the time I returned on that road (3 hours later), locals had field-dressed the animal and most of him was in someone's freezer...

cadigirlchicago2
03-13-13, 10:20 AM
I am still waiting on final word about the damage. I called yesterday to find out and I asked about the OEM parts. They said it’s all up to your insurance. I called my carriers office and they told me that I really don’t have a say, they said if there are re furbished parts, those are used 1st, if not, then OEM parts are used. There is nothing I can demand or insist on. I guess the good thing is they said for Cadillac, there really aren’t many refurb parts out there anyways but regardless, if there were, I have zero say from what they said. They were very firm on that.
The collision center says so far, the damage is at $6000 but the vehicle was “dispatched for teardown” which means they are taking the car apart piece by piece looking for any damage that is not visible. That makes me nervous, I am just visioning the car literally in a million pieces. I also really worry about trouble down the line, noises, squeaks etc from doing that. I was always told you don’t want to take the car apart looking for stuff because it can cause other noises and stuff so just leave things alone. Very worried. What do you all think….is this teardown a bad thing?
Right now, IF they don’t find any additional damages, it won’t be ready until the end of March.

paid4c4
03-13-13, 12:27 PM
"I called my carriers office and they told me that I really don’t have a say" Unfortunately that might be the case for this accident. However you do have something to say and that's when you pick a new carrier. I have found that by having car, home, life, rental property and boat insurance with one carrier they are more apt to listen and cooperate. My current insurance company knows I'll move my account if they don't listen because I moved my business from a company which didn't listen. My fear when a car gets damaged that severely and then stripped down is the fact it will never be as tight as it was before the accident. Squeaks, air whistles and rattles are common after a major accident. I hope your repair shop is good and you don't have any problems with your repaired SRX.
Bill

cadigirlchicago2
03-13-13, 01:39 PM
That’s how I feel as well Bill, I think it’s never going to be the same. I asked that question today and told them my concern is that the car is going to have noises it never had before after putting humpty back together again. The guy said they test drive it, yeah, big deal, it’s not the same as it being their own vehicle. I’ll totally know in a day how it’s going to be. I’m hoping for the best.
We are going to shop around with some other carriers and check rates and things like that. You all have given me some great tips so I will definitely use this all to my advantage.
Grand total is $7200 damage. Radiator, A/C unit, hood, headlight, grill, passenger size ╝ panel are all noted to be replaced/repaired. They confirmed I will have all OEM parts except the radiator isn’t Cadillac and the headlight is Cadillac but not new, I guess it’s a refurb part somehow.
I’m now looking at 1st week of April sometime for getting it back.

erdoc48
03-13-13, 03:42 PM
When my CTS got hit in 2011 (while parked), I had the same fears (new noises and the car would never be right). Back then, it had $14,000 damage (lots of rear suspension damage as well as driver's side rear body damage). The shop that did the repair actually did an excellent job, and the car runs fine to this day (112,000 miles, now owned by my daughter's fiancÚ). Don't let the repair scare you off. Make sure whoever repairs it gives a lifetime warranty on repairs.

cadigirlchicago2
03-13-13, 08:04 PM
Yes, the do offer lifetime guarantee on their work.