Wife got t-boned - totaled? (Update - Totaled)

[locks66]

having just gone through this (rear ended, car totalled), i feel for you. i had thought my 21 job 1 premium rwd std would be repaired and was looking into some reimbursement for value reduction but it ended up being totalled. so i agree with the others, i think yours will be given it looks significantly worse than mine. number one is physical safety/recovery so yes, hope your wife is doing ok.

but after that, definitely the hassle of being without the car you know and love (although hopefully you have rental coverage or if not, the other guy's insurance should pay for a rental).

and then there's getting a decent market value compensation. but even when it is reasonable, it's still not the exact car you had, right? like i had already dealt with all the recalls, hvbjb, etc. and had just put on aftermarket eibach springs/swaybars, upgraded rims, blue cruise extension, extended warranty, etc, all of which usually is not taken into account or reimbursed (unless you purchase some additional insurance rider).

what i would say is, for sure feel free to give a little bit of pushback if the number the total claims adjuster comes in with feels on the low end.

for my 21 premium std @ 60k miles, i initially got a fairly reasonable $28k (considering i bought it for $39k). i did my own comps since i honestly loved the car and wanted to be back in the same car (or maybe a extended battery one) and their number was on the high end for my area (LA). but i knew i would still have to fork over money out of pocket to get the replacement car up to where i had the old car. so i mentioned that and even sent him receipts. while he couldn't comp or reimburse me for those, he asked me a weird question: "what number would make you happy?" this is AAA btw, which we've been with forever and also covers our home insurance (don't know for sure how much of that plays a role in this story).

i didn't really have a number immediately off hand, since i didn't expect to be asked! in retrospect, probably $30k for a prorated comp for for all that other stuff.

he looked at the photos the adjuster had taken and said "looks like you kept your car in really good shape" and then said "let me work on this." a few hours later came back with $35k. while i know KBB has the fair/good/excellent/etc scoring system and value adjusts for that, i definitely didn't expect that big of a bump. and maybe they went after the other company's insurance so that allowed them come back with a higher number, who knows.

but that's what allowed me to replace the 21 premium with a 23 gt pe, which is better in every way. so sometimes things work out

Holy crap. That's an amazing story. Yeah I plan to try and push on USAA. I just replaced my 12v. Replaced my summers and winters. And kept my car immaculate minus small rock chips. This is helpful.


I have a Sentra from my insurance company, I always keep rental coverage on, right now it seems like I'm going to look at a used ev9. We needed to upsize as it was but I had planned two years from now. Hopefully I can get them over the value of my loan and that extra 20% replacement coverage I have pays off in a big way

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[locks66]

Whether it is totaled or not , I am pretty impressed how this Pony survived a T-Bone. I feel much safer and I am glad you wife is OK

The other guy did slam on his breaks as you can see in the video, but yeah I can't believe side bags didn't go off. And my wife who was at fault in a previous one where she got tboned said she was amazed how well she walked away .

 

[Teslaeata]

The other guy did slam on his breaks as you can see in the video, but yeah I can't believe side bags didn't go off. And my wife who was at fault in a previous one where she got tboned said she was amazed how well she walked away .

These cars are very crash-worthy which is reassuring.

The slight evasive left steer just prior to impact may have just took the sting out of the force of impact reducing the lateral speed change to probably just below the trigger point where a deployment command would be issued by the ACM.

The exclamation upon impact is funny, though probably predictable?

 

[johnnycombo]

First, never ever trust a green light or any intersection.
Second, Go to your own insurance agent and have there adjusters handle the claim.
Third, take it to a large ford dealer that has it‘s own body shop, they will find every nut, bolt and crack that needs repaired, that others will skip over!
Fourth, don’t take the first offer, the insurance company can do a survey of area dealers for the best price of an undamaged comparable vehicle.
Fifth, Yeah, in my experience that’s a total, don’t let them low ball you and say it’s fixable. If someone does a half fast repair on this car you are stuck with a used car with a wrecked title and an extra low value. Get the most out of it now and cut your losses.

 

[GreaseMonkey]

Appreciate it. I pulled some comps and the KBB for my car and recorded the screen to have a push back on where my car value would have been had their not been an accident and I was to sell it or a dealer was to sell it. 20 to 25k. So ready to fight the other sides adjuster if I need to

Check value with Carvana. They are paying stupid high prices on Mach-Es and it is a real offer vs kbb or some other outfit.

 

[E=IR]

If the insurance company doesn’t total it… You should. A car that has absorbed that much impact will never be right again. The roof will leak. The windows will whistle and rattle and there will be strange harmonics at highway speeds. Don’t just walk away from the car. Run!

 

[ChehRob]

And as well, see a physician, if any symptoms cat scans and MRIs.

 

[B177y]

Jeep driver ran the red light and admitted it.

2021 gt. 100k miles. Think its totaled

Oooof.... That dashcam footage gives me goosebumps.

Good to hear that everyone walked out of that.

 

[johnnycombo]

In PA we have a law that gives you a 5% discount for taking a driving course when you are 55 and over. Everybody likes a discount but the real value is it sharpens your awareness and skills on the road. I can tell you that it has saved me from a major accident and I continue to renew my training every three years. Here are some links to training online, in PA there are also training seminars if you prefer in person. Don’t let the age limits stop you, l took my first retraining when I was 33 (motorcycle license) and my time and effort to continue retraining has paid for itself time and time again.

https://www.seniorsforsafedriving.com/my-account/

https://www.pa.gov/agencies/dmv/driver-services/mature-drivers/mature-driver-improvement-course.html

 

[locks66]

Update. Totaled officially. $24,000

 

[RickMachE]

Update. Totaled officially. $24,000

Does that include a diminished value claim?

Never mind, total loss. My SWAG at $20,000 was pretty close.

 

[locks66]

Does that include a diminished value claim?

Never mind, total loss. My SWAG at $20,000 was pretty close.

I still plan to push back a bit. Both the winters and all seasons got replaced in the last 6 months. 12v was preemptively replaced as well.


Happy my loan is covered and I still end up with a down payment.

Next car is likely a Ev9 (didn't have a kid when I got my mach e) maybe a used r1s

 

[Kamuelaflyer]

Next car is likely a Ev9 (didn't have a kid when I got my mach e) maybe a used r1s

There are a few forum members that have EV9s now. @generaltso is one iirc. You might check in with them about the EV9 both good and bad. Heck of a way to have to replace the car though.

 

[locks66]

There are a few forum members that have EV9s now. @generaltso is one iirc. You might check in with them about the EV9 both good and bad. Heck of a way to have to replace the car though.

I'll do just that! I know there are some trade offs. Biggest downside is they charge slow as hell on Tesla super chargers unless it's a v4 with the updated cabinet.

And yeah not ideal. Had $100 on a scout. Between tarrifs and this accident, I don't think that car is happening for me now

 

[Teslaeata]

In PA we have a law that gives you a 5% discount for taking a driving course when you are 55 and over. Everybody likes a discount but the real value is it sharpens your awareness and skills on the road. I can tell you that it has saved me from a major accident and I continue to renew my training every three years. Here are some links to training online, in PA there are also training seminars if you prefer in person. Don’t let the age limits stop you, l took my first retraining when I was 33 (motorcycle license) and my time and effort to continue retraining has paid for itself time and time again.

https://www.seniorsforsafedriving.com/my-account/

https://www.pa.gov/agencies/dmv/driver-services/mature-drivers/mature-driver-improvement-course.html

In UK in certain circumstances we are offered a speed awareness course instead of penalty points on our licences and a fine.

I’ve been on two.

What you learn on them is absolutely priceless and I think everybody should go and spend a few hours doing one of these courses.

There are some complete assholes on them trying to be clever, such as ex-cops, but they are really beneficial, even to me and I investigate collisions!

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