Sooo, we aren't doing phrasing anymore?
Sooo, we aren't doing phrasing anymore?
Guys, I really think it's a stretch to see some gross double entendre here. I often hear people say "he ran into me while I was sitting at the light," "she got hit in the parking lot," "they got hit on the interstate," etc. The car is rarely the object, but the occupants.
John Welsh said:My uneducated guess is $8k damage on a $18k car so they will probably fix.
the rear blind spot sensors are like $1800 or something for the pair.. which should be replaced in an accident like this.
I think it's going to get close to the 50% point because i think there's more than $10k in damage with all the labor involved.
Also that's soul red crystal on the 2018's I believe and so it's a paint in the ass to paint and get to match, original soul red metallic was also a pain, but crystal is even worse from what I understand.
I think that's probably done. In addition to the bumper support structure, the trunk floor stuff and all the obvious pretty parts it needs a left rear quarter panel and probably the structure that the deck lid hinges attach to. It would be hard to come up with a more expensive paint color as well. In addition to all of that diminished value is a very real thing on a car that new.
I hope that mom continues to feel OK. That's the most important thing.
I come up with a clean retail (but still used) value of over 23K. If it is a CPO car it would be over 24K (per NADA). The op needs to look at the insurance policy as the percentage that totals a vehicle varies. There is also the matter of is a vehicle safe after the repair (or as safe as it was new) and then insurance company will also look at there liability if they deem it to be fixable and then the vehicle gets hit again and some one gets hurt or worse will they have a liability.
I have seen some company that total at %50 and I have had personal experience with my own policy there the threshold was %75 or %80 (again it depends on what the damage is). Strait body panels with no structural damage and or glass and the fix level can be quite high. Dealing with safety systems and the threshold can be much lower. It is all about the company tolerance for risk adn how the actual policy is written.
It is really hard to tell what is bent with the bumper cover as it is so I am not going to guess on if it is totaled or not but at 75% of 23K that is $17,250. So with the repair costs and then depreciated value due to it being repaired the insurance may pay out on a total just to make the problem (and future liability) go away. If it is a 10K fix and 5K for depreciation it still may gets fixed. It is a big numbers game at this point once they get a good look at the actual damage.
If it was me I would push for a total but at the end of the day it is not your call. The Insurance company will look at what is best financially for them both in the short term and the long term risk wise. I would be pushing really rally hard for a depreciation claim if it is covered by the policy as this could be a big number as the car is so new. It would take allot for me to purchase a crashed and repaired car for anywhere close to the NADA value when I can just get one that has not been cashed. But again the insurance policy has to be looked at as I think there are policy out there that actually exclude this now. (I may be wrong on that)
Anyway Mom should get checked out if she has not been already. Not to collect any more $$$ but to make sure that she is ok and does not have any long term issues. (Neck and backs suck when they get damaged and often don't show up immediately) I also have found that it is just piece of mind to have a Doc inspect you and say you are good to go after something like this.
In reply to dean1484 :
Thanks for your well-written and thoughtful reply. This is good info.
My mom did get checked out at the emergency room, thank you.
The main worry I have now is that the at-fault party has an insurance company I've never heard of (Hauler's) and they have TERRIBLE online reviews.
Have mom run it through her own insurance and let them deal with the third-rate company. She'll be out her deductible until it's settled but that is worth getting a faster resolution. There is a high chance the no-name insurer will hire an independent appraiser, most of which are pretty lousy at their job (I say this with authority having worked as one and dealt with many at the shop).
The pictures don't reveal enough about the car to make a "fix or total" assessment. With the numbers I'm seeing quoted on value it still has a chance of being repaired. BUT...a rear hit means that car has a very high salvage value at the auctions. We don't go by the "80%/arbitrary percentage" rule when we wipe one out. We look at repair cost, potential supplement (crap we can't see with it together) and the probable salvage sale value. Salvage value can sometimes be incredibly high. I've junked some very fixable cars due to that. Insurance companies only care about which will cost less in the final tally.
The tri-coat paint (assuming it is) isn't that big of a deal anymore. Some colors can be bastards but most can be matched with some test sprays. They are more work and everyone hates them but they aren't nearly as bad as, say, the powdery blue color VW put on the Beetle ten or so years ago. Some colors just suck.
Listen to ddavidv. He is spot on. I also can't see enough to make a good call. Instinct says total, but not sure.
Glad your Mom is OK,
How do they work in depreciated value for having a wrecked car and a bad Carfax now ?
I have a Chevy van that had a fender crunched by a motorcycle , they want to fix it with Chinese parts which hurts the value some plus the Carfax now saying a wreck.
In reply to californiamilleghia :
Typically they don't. If anything,it can be added into the "repair cost", but it's rare for me to consider it.
Klayfish can answer this one I think. If you file with your company is the adjuster from your company all that matters? Say the car is totaled by your company and the other company does not want to total it because there math is different. What happens then?
That's a battle between the two companies outside the repair or total loss call by your insurer. Not your circus/monkeys.
Klayfish said:In reply to californiamilleghia :
Typically they don't. If anything,it can be added into the "repair cost", but it's rare for me to consider it.
I’ve fought for, and received, diminished value on 2 cars when someone hit me. A Carfax with an accident hurts the value of my car through no fault of mine. I know insurance people don’t want it to be a thing, but it is.
Some insurance companies use the same adjuster and even from a third company.
The fun part is making sure it gets fixed correctly. It has to be put back together the same way Mazda intended it. These new cars are insanely precise in how they crunch in an accident.
Here's what happens when you glue a panel on when it was meant to be welded: https://www.bodyshopbusiness.com/john-eagle-collision-center-must-pay-31-5-million-dallas-couple-negligent-repair/
If it does get repaired, I'd make damn sure the body shop knew that you are aware of the precision required to repair a modern car. Ask for a rundown of the procedures they will use. Ask if they will be performing a scan both pre- and post-repair. It may sound like being a dick, but it may be the difference in surviving a second rear-end accident or not later on.
Steve_Jones said:Klayfish said:In reply to californiamilleghia :
Typically they don't. If anything,it can be added into the "repair cost", but it's rare for me to consider it.
I’ve fought for, and received, diminished value on 2 cars when someone hit me. A Carfax with an accident hurts the value of my car through no fault of mine. I know insurance people don’t want it to be a thing, but it is.
That's cool, but that wasn't the question that was asked.
Modern cars are extremely complex. It is probably the biggest reason why I am already counting my years to retirement. You have to know what kind of metal you are dealing with, what sort of attachment a panel requires (mechanical, adhesive, welds) and a whole lot more. It isn't fun for anyone in the business. Very few people want their car totaled because of the cost to replace and the upside-down loans many have. My life is generally easier if I just junk a car. Bless you high salvage returns!
That Honda Fit case has awakened many in the business that thought they 'knew better' than the OEM guidelines though I question just how much it mattered in that specific accident--but that's not the point.
The pre and post scan thing is another headache because it isn't always justified but manufacturers 'recommend' it as a CYA thing. I don't argue it much on new cars but some shops are putting this on estimates for OBD1 cars which is pretty hilarious. We also have a shop demanding scans on a car with hail damage right now because "the hail collided with the car". I've even had shops try to get it for a key scratch on the door. "The manufacturer says it HAS to be done!" they shriek. Common sense has gone out the window. But yes, on most cars built in the last five years at least we're going to be doing scans if anything electrical is unplugged.
Working in the industry I have so little interest in new cars I'll probably be driving my 2006 Mustang until I die.
Will Tesla come out with self healing cars that fix themselves
New cars are made to crush and save the driver and passenger,
Will they be just as safe after being pulled out and fixed ?
My versa got hit at 30-ish mph. Needed bumper, crash bar and some welding to the rear body panel. It was $7k in damages, this looks way more significant. My guess is total, I definitely recommend her using her insurance to get things rolling. When my car got totaled last year, I did this and Geico had someone out the next day to total it out so I could move on. Eventually I got my deductible back.
ddavidv said:Modern cars are extremely complex. It is probably the biggest reason why I am already counting my years to retirement. You have to know what kind of metal you are dealing with, what sort of attachment a panel requires (mechanical, adhesive, welds) and a whole lot more. It isn't fun for anyone in the business. Very few people want their car totaled because of the cost to replace and the upside-down loans many have. My life is generally easier if I just junk a car. Bless you high salvage returns!
That Honda Fit case has awakened many in the business that thought they 'knew better' than the OEM guidelines though I question just how much it mattered in that specific accident--but that's not the point.
The pre and post scan thing is another headache because it isn't always justified but manufacturers 'recommend' it as a CYA thing. I don't argue it much on new cars but some shops are putting this on estimates for OBD1 cars which is pretty hilarious. We also have a shop demanding scans on a car with hail damage right now because "the hail collided with the car". I've even had shops try to get it for a key scratch on the door. "The manufacturer says it HAS to be done!" they shriek. Common sense has gone out the window. But yes, on most cars built in the last five years at least we're going to be doing scans if anything electrical is unplugged.
Working in the industry I have so little interest in new cars I'll probably be driving my 2006 Mustang until I die.
Yup. I just totaled a fairly new Porsche last week for these reasons. Just easier all around...thanks high salvage values!!
I just confirmed with my mom that she is going through her insurance company and letting them handle everything. So we'll see how it goes...
ddavidv said:Working in the industry I have so little interest in new cars I'll probably be driving my 2006 Mustang until I die.
I've been writing for a local collision repair magazine, the stuff I've learned over the last few years is insane. High-strength steel, computerized spot welders, windshield camera calibration, driver assist sensors everywhere (that need calibration), bonded metal sandwiches, and more. I like the new safety features, but dang if it doesn't make cars almost disposable after a decent whack.
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