05-19-2020, 11:45 AM | #23 |
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How are you determining a bent frame based on this picture? Not calling you out just curious what you're seeing that would indicate that "for sure"?
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05-19-2020, 11:46 AM | #24 | |
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Would be a different conversation More likely the frame bent if it was able to force car up a curb hitting on an angle What kind of car hit you? |
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05-19-2020, 11:46 AM | #25 | |
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05-19-2020, 11:49 AM | #26 | ||
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This car should reach total loss by value or frame damage. That entire frontend is toast |
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05-19-2020, 11:49 AM | #27 |
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Don't get your heart set on anything. Ymmv but I think she'll just get fixed. If you need parts from Germany, it'll take a while. They had my M3 for two months as some wiring harnesses came from Germany. At least I got to drive all their loaner 20's, which handled like dog shit
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05-19-2020, 11:50 AM | #28 |
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Man, no offence but that's a complete total. So thankful you're okay though, you're not replaceable the car is. All the best bro
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05-19-2020, 11:51 AM | #29 | |||
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05-19-2020, 11:58 AM | #30 | ||
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Glad everyone is unharmed. I was recently involved in a almost identical accident, albeit was my F150 and the car that hit me was traveling at approx 45mph through the intersection. No frame damage but lots of suspension, a wheel, steering gear, etc. very little cosmetic to body - driver side fender and small work to driver's door. After all that, $10k in repairs. I asked the adjuster at the collision center if it was close to being totaled (truck is worth about $25k) and he laughed, said "goodness no, in today's world insurance companies are not totaling vehicles unless they're at around 70% in damage to value". I was pretty surprised. Not an expert but based on your picture, if there's no frame damage I would say it's fixable. Which sucks, just a big blemish on your carfax.
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05-19-2020, 12:02 PM | #31 | |
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I guess it also depends on each state law. In Cali, stuff like that is considered total. 1/4 frame need to be replaced.
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05-19-2020, 12:05 PM | #32 | ||||||||
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Most carriers have a threshold. It's typically 40% of market value once you get there it's totaled No carrier is fronting $50k for repairs and car now worth est. $80k with insurance premium at say $3000 Also frame damage= total Flood Lemon buy back Lots of variables work with repair shop to make sure it's totaled wink wink They can salvage sell the car People buy salvage cars all the time Ever see a car crabbing down the highway That guy who got a mint M3 for $30k with only 10,000 miles |
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05-19-2020, 12:12 PM | #33 |
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Wow! So sorry! Total loss in my opinion. Hopefully u have great insurance.
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05-19-2020, 12:13 PM | #34 |
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So so sorry for your loss. So so happy you are uninjured. Insurance company will be a PIA, so be prepared. One question, did airbags go off?
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05-19-2020, 12:19 PM | #35 | |||||||||
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05-19-2020, 12:21 PM | #36 |
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Frightening pictures. So glad you are OK. Cars can be easily replaced. Whatever the insurance company decides, there are bigger things to worry about.
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05-19-2020, 12:21 PM | #37 |
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Glad you are ok and sorry about your loss.
People comment “ this is repairable..”, I wouldn’t want a car that was involved in an accident. I paid money to have a new car that I can enjoy. Does anyone want a car that had substantial damage and repaired? |
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05-19-2020, 12:25 PM | #38 |
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I will leave the totalling up to the experts, but I was surprised to see at least from that pic it doesnt look so bad for getting hit so hard.
As others have said, since the car is so new its $60k or more to total something like that out, I guess it will depend on how bad that front is bent up.
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05-19-2020, 12:29 PM | #39 |
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State Farm decided to repair an Acura I had years ago which had far worse damage than this. A ~40 MPH T-bone to the driver's door from an SUV running a stop sign pushed me into a fire hydrant, caused 4 of the 6 airbags to pop, and broke every piece of glass. I was pushed so hard that my right hip took out the center console. EMTs cut the driver's door off to extract me. The repair was about $18k on a new car worth $30k, and they would not total it. Everything I thought I knew about what substantiates a total loss was wrong. Fortunately it was leased, and I have only leased since.
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05-19-2020, 12:35 PM | #41 |
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Thankfully you're fine!! The car may be totaled though. Depending on what your appraiser determines of course. If I were you I'd prefer it be deemed totaled and get a new allocation or else getting all those OEM parts ordered and installed could take a hot minute.
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05-19-2020, 12:36 PM | #42 | |
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05-19-2020, 12:39 PM | #43 | ||||||
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most" carriers are somewhat ethical. Did they adjust your premium? When you obtained the policy it was inline with new car value. That car would be worth $14k at best after repair. They now insuring a $14k car Wonder if it was stolen what value they would of assessed |
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05-19-2020, 12:43 PM | #44 |
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Sorry about the accident but this definitely does looking fixable. I understand everyone here saying they wouldn’t want a vehicle after an accident (I wouldn’t either!) but that’s not how the real world works. Working for one of the major insurance companies, we wouldn’t total a vehicle unless repairs exceeded 70% of the value of the car, you can’t just demand a whole new car because you were in an accident.
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