Sigh..

[Chameleon]

Damn sorry man. Car can be replaced.

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[Tamadrummer88]

UPDATE:

Got the estimate this morning. $14,100 to repair the car. The body shop found one of the frame rail extensions to be bent. They won't total the car because the damages have to come out to 80% of the cars value, which currently it's $24,000.

So the car has frame damage but it's still fixable. If it has frame damage should I push the insurance company to total it out? It's going to lose a ton of value because of that major work


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[Hurricane]

So the car has frame damage but it's still fixable. If it has frame damage should I push the insurance company to total it out? It's going to lose a ton of value because of that major work

As a teenager, I got into a front-end accident in my Honda Civic that caused frame damage. It was minor, but the shop still had to use a machine to bend it back into shape. When I went to sell the car, I took it to CarMax for an estimate and they saw marks on the frame where the machine gripped it to bend it back. Their estimator showed me right where the marks were because I didn't know that much work had been done. CarMax refused to make any offer to me because of frame damage.

When/if you go to sell that car in the future, you will have trouble offloading it to anyone who does a thorough check/inspection on it. Obviously, even a simple CarFax report will list the accident. If I were you, I'd at least try to get the insurance company to total it. If your airbags had gone off, you probably wouldn't even have to think about what to do. Give it a shot though. They worst they will tell you is "no." If that happens, then I would pursue significant "loss of value" damages from the insurance company of the lady who was at-fault. Actually, by simply mentioning that to their adjuster might make them change their mind and just total it. They might prefer to do that as opposed to going to court over an appropriate compensation amount.

In the end, be glad you're not in her shoes. I hate to think what her premiums went up to after this, and that's if the company didn't drop her altogether.

 

[ScottsGT]

Loss of value might push them to total it. Do some research on values before you approach them over it. Even go to CarMax and other dealers and talk to them. Coworker was offered $4000 LOV on a newer Honda Pilot that got rear ended pretty bad. He traded it in and actually lost $8000. He's not got an attorney handling the case for him.

 

[WGWMustang]

UPDATE:

Got the estimate this morning. $14,100 to repair the car. The body shop found one of the frame rail extensions to be bent. They won't total the car because the damages have to come out to 80% of the cars value, which currently it's $24,000.

So the car has frame damage but it's still fixable. If it has frame damage should I push the insurance company to total it out? It's going to lose a ton of value because of that major work


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Mine was similar, except I got nailed in the other end. $14,000 in repairs and 6 weeks in the shop (good bit of rental car expense there). They also paid out $6,300 in diminished value. That pushed my total property damage related expenses over $20,000. Probably right on the edge of a total.

I'm very pleased with the repairs Ford did and will be keeping mine for sure. My Ford dealer gave me a lifetime warranty on all their repairs, so that certainly helped me make the decision to keep the car. I really struggled with keeping my car that had been violated, but once I got it back and everything was back to normal, the sting subsided.

I hope everything works out for you either way (repair or total).


WGW

 

[Tamadrummer88]

I'll be speaking with the insurance company on Monday about totaling the car and diminished value. Since they just started taking apart the car who knows if the shop may find more damage and push the estimate up.

I'll also be talking to a few ford dealers around here and carmax and see how much they would give me post accident or if they would take it or not in a trade.


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[wilkinda65]

Adjuster got back to me earlier. Gonna pick it up from the tow yard tomorrow and is gonna be towed to a collision shop. And its only a few miles away from my house.

Rental is gonna be paid for. I asked to swap it out for another Ford or a Mustang because this Chrysler 200 is killing me. The nine speed is very finicky and there is no backup camera. If not then i guess ill just have to live with it for however long my car takes.

HE said he'd have a damage estimate to me by tomorrow. I just want my car fixed already.

yup, I had a Crapster 200 for a rental when my AC was being replaced on my company car. Damn thing would change gears constantly on a flat road with cruise on. Drove me crazy!!!!

 

[Asharus]

ive worked with my body shop guy in the past to push for a total. let them handle the insurance company for you if you have a good relationship w/ the shop. if i were you i would definitely try my best to total this car....

 

[Hurricane]

I'll also be talking to a few ford dealers around here and carmax and see how much they would give me post accident or if they would take it or not in a trade.

While YMMV, based on my experience w/dealers and CarMax, IF (and it's a big if) they would take the car, they would likely just be doing it in order to get you into something new on the lot. Afterwards, your Stang would be immediately headed for an auction block somewhere along with the other trade-ins that they didn't want to try to resell.

 

[Tamadrummer88]

ive worked with my body shop guy in the past to push for a total. let them handle the insurance company for you if you have a good relationship w/ the shop. if i were you i would definitely try my best to total this car....

im gonna be doing my best to push for a total.

 

[Asharus]

good luck man, keep us updated. i dont think it will be that hard to get it totaled.

 

[Tamadrummer88]

good luck man, keep us updated. i dont think it will be that hard to get it totaled.

Body shop said actual value of my car was $24,000 and the threshold has to be $18,000 for a total (thats 80%) but since they started i don't doubt it'll go up. I agree this shouldn't be hard to total.

 

[GT Pony]

80% of $24,000 is $19,200.

Seems like collision/body work is sky high these days. A slight collision can total out a car that is only 1 year old (and even easier as the car ages) ... pretty sad stuff actually.

 

[Tamadrummer88]

80% of $24,000 is $19,200.

Seems like collision/body work is sky high these days. A slight collision can total out a car that is only 1 year old (and even easier as the car ages) ... pretty sad stuff actually.

My mistake, $19,200

Yeah, from the outside it doesn't look like much. Hell the airbags didn't even go off. Its pretty sad that a "small" collision can be the killer of a new car.

 

[GT Pony]

^^^ Yep, seems cars these days are almost disposable. Repair costs are just crazy. :(

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