IS MY CAR TOTALLED? - Page 3

*Dv8* · 01-29-08, 02:53 AM

If the estimate goes over 3k to have it fixed then it will probably be totaled.

A new rear bumper painted will cost you around 500-1000, depending if its new or refurb. Tail light another 100-200, body work looks like 1000-1700. Better hope that rear quarter panel didnt sustain damage. Thats going to cost alot to repair.

Try and get as many parts yourself and have the body shop reimburse you. At least the tail light can be had for 30 bucks on ebay.

~Dv8

gsdreams · 01-29-08, 10:52 AM

Why is it that everyone believes a car is totalled for less than half of NADA/KBB value when the accident "Isn't His Fault"?

If it was his fault, I would agree because his Collision/comprehensive would be covering it and when you are dealing with your own insurance company you don't have the same weight, unless you plan on changing insurance companies and hire an attorney.

When someone else is at fault, and the person wants to keep the car, they can "FORCE" a lot of repairs.

For example: 1985 RX-7 - Damaged $6,700 - Value at time $6,600 (or so) by NADA - Forced repair no salvage title insurance company paid I was not at fault.

This is just one example. My Father-in-law had another similar situation where he forced them to repair the vehicle when "He was not at fault".

Plus, NADA Middle value is almost $5,000 with High being almost $6,000. Let alone KBB which books it even higher in most areas.

And you have to take into account two other things:

1.) The insurance company should pay him "Replacement" value, if they don't he needs an attorney. This could mean a figure of $8,000 depending on what it could be replaced for locally.

2.) An insurance company would much rather spend $3,500.00 than spend $6,000.00. So, if he specifically states he wants it repaired, realistically the insurance company shouldn't complain.

*Dv8* · 01-29-08, 10:33 PM

In CA anywhere between 70-80% of the cars high book value is considered a total loss. There could be other factors in there as to why it wouldnt be, but generally its how it goes regardless of fault.

Every insurance company is different, but its to close to call for me.

I pay based on 15k coverage and 2k miles annually, so there would have to be 12-13k worth of damage to total me out.

~Dv8

Quote:

Originally Posted by gsdreams

Why is it that everyone believes a car is totalled for less than half of NADA/KBB value when the accident "Isn't His Fault"?

If it was his fault, I would agree because his Collision/comprehensive would be covering it and when you are dealing with your own insurance company you don't have the same weight, unless you plan on changing insurance companies and hire an attorney.

When someone else is at fault, and the person wants to keep the car, they can "FORCE" a lot of repairs.

For example: 1985 RX-7 - Damaged $6,700 - Value at time $6,600 (or so) by NADA - Forced repair no salvage title insurance company paid I was not at fault.

This is just one example. My Father-in-law had another similar situation where he forced them to repair the vehicle when "He was not at fault".

Plus, NADA Middle value is almost $5,000 with High being almost $6,000. Let alone KBB which books it even higher in most areas.

And you have to take into account two other things:

1.) The insurance company should pay him "Replacement" value, if they don't he needs an attorney. This could mean a figure of $8,000 depending on what it could be replaced for locally.

2.) An insurance company would much rather spend $3,500.00 than spend $6,000.00. So, if he specifically states he wants it repaired, realistically the insurance company shouldn't complain.

Artillery129 · 01-29-08, 10:35 PM

Thanks for the info dv8, now lets say they do total it, can i harass them into paying for the majority of my repairs?

*Dv8* · 01-29-08, 10:39 PM

Litigation is the name of the game, especially if its not your fault. But if the repair bill is way over the the high book worth, you would be better off taking the high cash or a bit higher.

~Dv8

Quote:

Originally Posted by Artillery129

Thanks for the info dv8, now lets say they do total it, can i harass them into paying for the majority of my repairs?

1_Hot_Legend_LS · 01-30-08, 01:53 AM

I could fix that in a weekend without paint. That shouldn't cost any more than 3k to repair.

91satanslegend · 01-30-08, 02:32 PM

get that bitch to pay for it. hahha

Artillery129 · 01-31-08, 08:28 PM

good news is at end of day damage is only 2,200 so car shouldnt be totalled, thanks for help all!

01-29-08, 02:53 AM	#31 (permalink)
Dv8 Banned Join Date: Jan 2002 Location: CA Posts: 4,885 Car 1: 91' 3.5lt Extreme DV8ED Hybrid 6spd Car 2: 03' G35c Blk on Blk Car 3: 92'Yukon/06'Trailer iTrader: (11)	If the estimate goes over 3k to have it fixed then it will probably be totaled. A new rear bumper painted will cost you around 500-1000, depending if its new or refurb. Tail light another 100-200, body work looks like 1000-1700. Better hope that rear quarter panel didnt sustain damage. Thats going to cost alot to repair. Try and get as many parts yourself and have the body shop reimburse you. At least the tail light can be had for 30 bucks on ebay. ~Dv8 __________________ AEM EMS Powered. 9 yrs and counting. Results, Where are yours? 12.953@107.865MPH 95 deg. Jun. 07' 3.5 6spd-#55 jet Nitrous 316WHP@5500RPM 345Lb-ft@4100RPM NOS 06-07'N/A 234WHP@5700RPM 229lb-ft@4600RPM 06-07' 13.782@99.135MPH N/A 95 deg. Jun 07' 03' G35c Auto Vortech Supercharged pshhhh 311WHP 274WTQ13.1@102MPH-on the brakes(108MPH) Hand fabbed Go-Kart 18whp 24wtq 8 page spread Honda Tuning 09-06' issue PM or Email only. Respect that! My Legends Website www.2slik4u.com

01-29-08, 10:52 AM	#32 (permalink)
gsdreams Making Legends Rare..... Join Date: Mar 2006 Location: Boise, ID Posts: 1,417 Car 1: 1995 Legend GS iTrader: (0)	Why is it that everyone believes a car is totalled for less than half of NADA/KBB value when the accident "Isn't His Fault"? If it was his fault, I would agree because his Collision/comprehensive would be covering it and when you are dealing with your own insurance company you don't have the same weight, unless you plan on changing insurance companies and hire an attorney. When someone else is at fault, and the person wants to keep the car, they can "FORCE" a lot of repairs. For example: 1985 RX-7 - Damaged $6,700 - Value at time $6,600 (or so) by NADA - Forced repair no salvage title insurance company paid I was not at fault. This is just one example. My Father-in-law had another similar situation where he forced them to repair the vehicle when "He was not at fault". Plus, NADA Middle value is almost $5,000 with High being almost $6,000. Let alone KBB which books it even higher in most areas. And you have to take into account two other things: 1.) The insurance company should pay him "Replacement" value, if they don't he needs an attorney. This could mean a figure of $8,000 depending on what it could be replaced for locally. 2.) An insurance company would much rather spend $3,500.00 than spend $6,000.00. So, if he specifically states he wants it repaired, realistically the insurance company shouldn't complain. __________________ 1995 Legend GS: Acquired 6/22/06 1965 Plymouth Belvedere - Bought new and past to 4th Generation now 2005 Dodge Grand Caravan SXT - Wife won't let me get rid of it for an MDX.

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01-30-08, 02:32 PM	#37 (permalink)
91satanslegend Registered User Join Date: Mar 2006 Location: South Carolina Posts: 212 Car 1: 1991 Acura Legend iTrader: (1)	get that bitch to pay for it. hahha

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