Results 1 to 22 of 22

Is This Car Totalled?

  1. #1
    is not wearing pants Point37's Avatar
    Join Date
    Aug 2007
    Location
    South Coast MAsshole
    Age
    37
    Posts
    1,867

    Is This Car Totalled?

    Dented hood, dented roof, smashed windshield, and dented drivers side pillar...car is a '13 subaru legacy premium with 137,465 miles...preliminary repair estimate (before dismantling it) is $3600...i figure the hood and windshield aren't bad...its the roof and divers side pillar that i'm worried about and the supports under the bodywork...car was parked and hit by a front end loader with a load of pvc pipe...i'm also not sure what insurance goes by as the worth of the car and i assume the estimate cost will go up when they take it apart...value vs repair cost is what i'm worried about












    Sent from my iPhone using Tapatalk

    0 Not allowed!
    Last edited by Point37; 11-16-18 at 10:24 AM.
    bike: none but i have a seafoam green 125cc scooter
    Point37s Garage Sale Thread

  2. #2
    BMW track whore e30addict's Avatar
    Join Date
    Jun 2008
    Location
    I93/495
    Age
    42
    Posts
    5,822

    Re: Is This Car Totalled?

    ACV on that car is right around that number. I wouldn't be surprised if the insurance company totalled it.

    0 Not allowed!
    2012 Tiger 800, 2007 DR650, 2012 WR250R

  3. #3
    Senior Member TwelveGaugeSage's Avatar
    Join Date
    May 2017
    Location
    Palmer, MA
    Posts
    451

    Re: Is This Car Totalled?

    I assume the company that owns the FEL is covering this?

    0 Not allowed!

  4. #4
    BMW track whore e30addict's Avatar
    Join Date
    Jun 2008
    Location
    I93/495
    Age
    42
    Posts
    5,822

    Re: Is This Car Totalled?

    ^ good point. If that company self insures they might just prefer to cut a check instead of go through a more normal claims process.

    0 Not allowed!
    2012 Tiger 800, 2007 DR650, 2012 WR250R

  5. #5
    is not wearing pants Point37's Avatar
    Join Date
    Aug 2007
    Location
    South Coast MAsshole
    Age
    37
    Posts
    1,867

    Re: Is This Car Totalled?

    Quote Originally Posted by e30addict View Post
    ACV on that car is right around that number. I wouldn't be surprised if the insurance company totalled it.
    that sucks...i wanted to drive this car into the ground since it's paid off not have another loan out

    Quote Originally Posted by TwelveGaugeSage View Post
    I assume the company that owns the FEL is covering this?
    FEL?...is was a construction company employee who hit it...i am going through my insurance since i have full coverage and my insurance is going to go to their insurance for reimbursement

    Quote Originally Posted by e30addict View Post
    ^ good point. If that company self insures they might just prefer to cut a check instead of go through a more normal claims process.
    they wanted to cut a check for the repairs and i'm sure they are good for it but i don't want to front any money at all for this...it's not my fault and it's already an aggravation for me

    0 Not allowed!
    bike: none but i have a seafoam green 125cc scooter
    Point37s Garage Sale Thread

  6. #6
    BMW track whore e30addict's Avatar
    Join Date
    Jun 2008
    Location
    I93/495
    Age
    42
    Posts
    5,822

    Re: Is This Car Totalled?

    Quote Originally Posted by Point37 View Post



    they wanted to cut a check for the repairs and i'm sure they are good for it but i don't want to front any money at all for this...it's not my fault and it's already an aggravation for me
    The ship has already sailed, but the hassle of dealing with them directly might have been worth the tradeoff of not totalling the car.

    It might not be totalled though. Every company is different, but usually once the damage reaches a certain % of value they usually just write it off.

    The mileage on the car is the killer, but depending on what value the company uses and what they find for comps will determine if they total or fix.

    Based on the info I have, it could be pretty close. I'd be prepared for them to total it and thankful if they didn't.

    0 Not allowed!
    2012 Tiger 800, 2007 DR650, 2012 WR250R

  7. #7
    Senior Member capitalcrew's Avatar
    Join Date
    Feb 2017
    Location
    Albany NY
    Posts
    459

    Re: Is This Car Totalled?

    Probably totaled. I'd buy it back if you just want to abuse it.

    0 Not allowed!

  8. #8
    Senior Member TwelveGaugeSage's Avatar
    Join Date
    May 2017
    Location
    Palmer, MA
    Posts
    451

    Re: Is This Car Totalled?

    Sorry, FEL = front end loader. It's how we refer to them at work.

    0 Not allowed!

  9. #9
    is not wearing pants Point37's Avatar
    Join Date
    Aug 2007
    Location
    South Coast MAsshole
    Age
    37
    Posts
    1,867

    Re: Is This Car Totalled?

    Quote Originally Posted by e30addict View Post
    The ship has already sailed, but the hassle of dealing with them directly might have been worth the tradeoff of not totalling the car.

    It might not be totalled though. Every company is different, but usually once the damage reaches a certain % of value they usually just write it off.

    The mileage on the car is the killer, but depending on what value the company uses and what they find for comps will determine if they total or fix.

    Based on the info I have, it could be pretty close. I'd be prepared for them to total it and thankful if they didn't.
    the only way this gets totalled is due to repair value exceeding car value, correct?...i assume there is no frame in the roof that can't be replaced right?...i know if you bend the main frame of a car it's totalled...since this happened while i was at work inspecting their construction work there may be something else that can be done...have to see what they find when they dismantle it and what the adjuster finds upon reinspection

    Quote Originally Posted by capitalcrew View Post
    Probably totaled. I'd buy it back if you just want to abuse it.
    thought about it but not sure it's worth it

    Quote Originally Posted by TwelveGaugeSage View Post
    Sorry, FEL = front end loader. It's how we refer to them at work.
    gotcha...always call them loaders at work

    - - - Updated - - -

    this thread may turn into a new vehicle thread...who knows...wife has a 14 maxima that's not paid off yet and we now have a 1 year old plus 2 dogs so maybe we look at an suv for her and i take over her car...it sucks cause my car has been paid off for a few years now...so we'd be getting into 2 payments

    0 Not allowed!
    Last edited by Point37; 11-16-18 at 01:33 PM.
    bike: none but i have a seafoam green 125cc scooter
    Point37s Garage Sale Thread

  10. #10
    Lifer TIMMYDUCK's Avatar
    Join Date
    Feb 2003
    Location
    The 14th State Vermont
    Posts
    1,454

    Re: Is This Car Totalled?

    Book says 7825 for that today, with the mileage deduction .

    Needs to usually be 80 % of that to be totaled .

    1 Not allowed!
    Last edited by TIMMYDUCK; 11-16-18 at 01:41 PM.
    TIMMYDUCK

  11. #11
    TWINS! xrocket21's Avatar
    Join Date
    Jun 2007
    Location
    Central Maine
    Age
    37
    Posts
    4,654

    Re: Is This Car Totalled?

    dang, take the insurance check, fix the windshield, leave the rest, and run that bitch into the ground

    2 Not allowed!

  12. #12
    Super Moderator TheIglu's Avatar
    Join Date
    Apr 2003
    Location
    Royalston, MA
    Age
    38
    Posts
    19,326

    Re: Is This Car Totalled?

    Get a quote to repair via your insurance, then take the check and just get the windshield replaced to get it functional. Who cares if the car is dinged up if it's just a DD beater.

    Save the rest of the money to put towards your next ride once this thing shits the bed.

    - - - Updated - - -

    Quote Originally Posted by xrocket21 View Post
    dang, take the insurance check, fix the windshield, leave the rest, and run that bitch into the ground
    Beat me to it!

    1 Not allowed!
    -Clayton
    2006 Suzuki SV650
    2004 Suzuki Vstrom 650
    2001 Kawasaki ZRX1200R
    1982 Honda CB750F Super Sport

  13. #13
    Lifer golden chicken's Avatar
    Join Date
    Nov 2011
    Location
    Boxborough, MA
    Posts
    1,460

    Re: Is This Car Totalled?

    FWIW, the car is a unibody and the pillars are part of the structure, as opposed to a body on frame truck.

    0 Not allowed!
    What's the difference between a bolt and a screw?
    First you screw, then you bolt.

  14. #14

    Re: Is This Car Totalled?

    Yeah, why bother replacing anything other than the windshield on a 140k mile car?

    Just make sure with a shop that there is no structural damage that would prevent it from being driven as is.

    0 Not allowed!
    (2) Honda RS125, (2) Honda RS250, Ducati 749R, (2) Ducati 998, (8) Ducati 916
    Need a firearms dealer or instructor? MinutemanArmament.com

  15. #15
    is not wearing pants Point37's Avatar
    Join Date
    Aug 2007
    Location
    South Coast MAsshole
    Age
    37
    Posts
    1,867

    Re: Is This Car Totalled?

    Quote Originally Posted by TIMMYDUCK View Post
    Book says 7825 for that today, with the mileage deduction .

    Needs to usually be 80 % of that to be totaled .
    well that's good news

    Quote Originally Posted by xrocket21 View Post
    dang, take the insurance check, fix the windshield, leave the rest, and run that bitch into the ground
    this may be what happens...i believe there are pillar airbags in this car...not sure if those were affected

    Quote Originally Posted by TheIglu View Post
    Get a quote to repair via your insurance, then take the check and just get the windshield replaced to get it functional. Who cares if the car is dinged up if it's just a DD beater.

    Save the rest of the money to put towards your next ride once this thing shits the bed.

    - - - Updated - - -

    Beat me to it!
    i may take the money...but i also like having a car that's not all dinged up...not sure which way i would want to go

    0 Not allowed!
    bike: none but i have a seafoam green 125cc scooter
    Point37s Garage Sale Thread

  16. #16
    is not wearing pants Point37's Avatar
    Join Date
    Aug 2007
    Location
    South Coast MAsshole
    Age
    37
    Posts
    1,867

    Re: Is This Car Totalled?

    Quote Originally Posted by golden chicken View Post
    FWIW, the car is a unibody and the pillars are part of the structure, as opposed to a body on frame truck.
    i see...
    2016 Subaru Legacy Body Structure – Boron Extrication

    Quote Originally Posted by DucatiGuy View Post
    Yeah, why bother replacing anything other than the windshield on a 140k mile car?

    Just make sure with a shop that there is no structural damage that would prevent it from being driven as is.
    i may...as long as there is nothing that will compromise safety...i drive 86 miles each day for work and have to go through providence as well as drive my family around...so i may just fix the windshield and take the money or may just repair it or may let it get totalled and see if there is something else that can be done...car consumes oil (few quarts every 7500 miles) and the drivers side window interior weather strip rolls inside the door when i turn the window down...that's about all that's wrong with the car

    0 Not allowed!
    Last edited by Point37; 11-16-18 at 02:08 PM.
    bike: none but i have a seafoam green 125cc scooter
    Point37s Garage Sale Thread

  17. #17
    BMW track whore e30addict's Avatar
    Join Date
    Jun 2008
    Location
    I93/495
    Age
    42
    Posts
    5,822

    Re: Is This Car Totalled?

    Quote Originally Posted by TIMMYDUCK View Post
    Book says 7825 for that today, with the mileage deduction .

    Needs to usually be 80 % of that to be totaled .
    That 7825 is retail.

    I believe most insurance companies go off ACV, which is usually closer to rough trade.

    0 Not allowed!
    2012 Tiger 800, 2007 DR650, 2012 WR250R

  18. #18
    is not wearing pants Point37's Avatar
    Join Date
    Aug 2007
    Location
    South Coast MAsshole
    Age
    37
    Posts
    1,867

    Re: Is This Car Totalled?

    Quote Originally Posted by e30addict View Post
    That 7825 is retail.

    I believe most insurance companies go off ACV, which is usually closer to rough trade.
    in that case i better figure out what i'm going to do

    0 Not allowed!
    bike: none but i have a seafoam green 125cc scooter
    Point37s Garage Sale Thread

  19. #19
    daideů Rambunctous's Avatar
    Join Date
    Apr 2009
    Location
    Worcester
    Age
    63
    Posts
    5,372

    Re: Is This Car Totalled?

    A offer by a insurance company can usually be increased just by saying you found the exact same car and you want to buy that one. But it is way more money. Worked for me three times.

    2 Not allowed!
    May the road rise to meet you, May the wind always be at your back, May the sun shine warm upon your face.

  20. #20
    is not wearing pants Point37's Avatar
    Join Date
    Aug 2007
    Location
    South Coast MAsshole
    Age
    37
    Posts
    1,867

    Re: Is This Car Totalled?

    $5500 in repairs...didnít get totaled...Iíll be picking it up early this coming week


    Sent from my iPhone using Tapatalk

    0 Not allowed!
    bike: none but i have a seafoam green 125cc scooter
    Point37s Garage Sale Thread

  21. #21
    TWINS! xrocket21's Avatar
    Join Date
    Jun 2007
    Location
    Central Maine
    Age
    37
    Posts
    4,654

    Re: Is This Car Totalled?

    Quote Originally Posted by Point37 View Post
    $5500 in repairs...didn’t get totaled...I’ll be picking it up early this coming week


    Sent from my iPhone using Tapatalk
    spend 200 on a windshield and pocket $5200!!!!!!!!!!!!!!!!!






























    $100 to me as a consulting fee

    1 Not allowed!

  22. #22
    is not wearing pants Point37's Avatar
    Join Date
    Aug 2007
    Location
    South Coast MAsshole
    Age
    37
    Posts
    1,867

    Re: Is This Car Totalled?

    Quote Originally Posted by xrocket21 View Post
    spend 200 on a windshield and pocket $5200!!!!!!!!!!!!!!!!!

    $100 to me as a consulting fee
    lol...already gave them authorization to fix the car...no way i can get that money...if it was totaled yes but it's not

    picking it up either tonight or tomorrow sometime

    0 Not allowed!
    Last edited by Point37; 12-03-18 at 02:13 PM.
    bike: none but i have a seafoam green 125cc scooter
    Point37s Garage Sale Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •