Last month I was sitting at a red light talking to my passenger when all of the sudden we were hit from behind at what is estimated to be 30 to 35 mph. Went in an ambulance on a backboard with neck brace. Car taken to repair shop for estimate. During inspection we noticed two separate creases in the roof of the car approximately 3 to 4" from the windshield. One on drive side and one on pass side. The rear bumper only shows paint from the other car but no other damage. There are no creases in the quarters.
An estimate for repair was written with the expectation that there would be frame damage due to the roof damage. The adjuster from the other person’s insurance wrote his estimate to include the roof repair and said it may total the car.
Now that the work has begun, they pulled the bumper cover off, and found that the styrofoam inside the bumper is still in tact with no breaks or cracks. They said the frame is not damaged, and the other insurance company called us to tell us that all they can cover now is polishing the bumper to remove the paint. They said that since the foam is not broken, there is no way any damage could have happened to the car.
I have been out of work for four weeks due to injury, and was told yesterday that it may be another three weeks before I can return to work. How is this possible? I have photos of my car as I was trying to sell it, that show no damage to the roof. The car was taken to a reputable repair shop that has been in business for more than 60 years. They said they have never seen an accident for that speed where the foam did not break.
Does anyone know of another incident where the styrofoam did not crack or break during a collision? I am wondering if because the impact was straight on, and not at an angle, that the bumpers shock absorbers did their job and protected the entire bumper including the foam. I need your assistance in solving this mystery so I can get my car repaired. The call I received today from the other person’s insurance indicated that all they would do is polish the bumper. I would add photos, but the car is in the body shop while awaiting whatever they are awaiting. They have had my car for two weeks now.