shit happensssssssssssssss
 

got into an accident. was trying to dodge a car that coming from the opposite direction as i was heading, the car crossed the double yellow line.....made me turn hard......n this happened. bounced once after hitting the ride side of my car first, the air bag dployed............ppl passing by came checked on and said its totall. what yall think? what should i do if its totalled?
its a 2015 limited white auto with only 4500 miles on it , bought it last july......my very first own car..........
what are some things i should b watching out for if its decided totalled , how much do i get in return about>/? im so sadddddddddddd

Damn :( , I don't think it's totaled, but wow it's going to be costly.

totaled....

how many airbags popped? how much suspension damage? looks pretty bad. I hope you are ok.

airbags, front bumper, hood, both fenders, quarter panel, headlight, rear bumper, plus whatever else got damaged, id say its totaled. But the other guys insurance should cover it 100%

perfect car for someone wanting to build a rocket bunny

I bet that's going to be close. If this was a 2013 with 30,000 miles on it sure, but the top level BRZ, 2015 with less than 5k still has a lot of value overall.

Did you actually hit the car that you were trying to avoid? I'm guessing you spin and bounced off a couple walls.

Did that car stop? Were there any witnesses that stopped and waited to speak with the police on your behalf?

It might be totaled, but it's hard to say. It does look like a solid amount of damage. Insurance companies determine if the car is totaled by looking at the amount of damage vs the value of the car. They begin to start considering totaling it around 75%.

Youre going to want to check your payoff value on the loan of you financed the car. If you didn't put a large chunk down or a considerable trade in amount, you're really going to either be happy that you have gap coverage or miserable that you don't.

I hope it all works out for you. Keep us posted.

i didnt crash, OP did lol

If the oncoming car didn't actually strike you, it's going to be hard to get them to pay out. You might succeed if you have his info and someone saw it. Unfortunately in a situation like this it's almost better to get sideswiped, depending on speed, so there's no question of fault. It's a good thing you didn't hit another car or you could be liable for the damage to your car AND the other car. Good luck!

i think all the passenger side air bag deployed......one above windows...
suspension dmg is bad....right side tires all jammed inside
and yes im ok

What other guy? Sounds like a single car accident from his description.

the other just drove off like nothing........

Yeah, airbags are very expensive to repair and replace, sounds like it is totaled. Was there any other car involved or just your car?

no ididnt hit the car, avoided, i slided and bounced to the walls couple times
there was only my friend in the passenger side and other two in the car in fornt of me......no police

btw, i only have 400 on my loan........how much is my payof value now>? how to deal with it ? how to get the max $$ from my totoal car

It is going to 100% go against your insurance. Did you get gap coverage? There's a good chance your insurance will go up.

The other guy drove off? Yeah man sorry, you're going to have a hard time fighting this one. Unless someone saw it and is willing to say something to your insurance, I think its going to all be on you. Not that you want to ever get in an accident, but I think it would've been better for you (insurance wise) if the moron would have clipped you. Glad you're ok, make sure you go to a doctor and get checked out!

They just drove off? Sounds like it was their fault you crashed, do you remember the car color/type or get a glimpse of their plates? Report that to the police, that's almost as bad as a hit and run.

Your insurance company is going to look at it as a single car accident given that you didn't make contact with another vehicle. Additionally they are going to question why the police weren't called.

I don't understand what you mean by only having 400 on your loan. Is that your monthly payment? Or is that the balance left on your loan that you owe the bank?

The first step is going to be finding out what the damages are appraised at. Has an adjuster/estimator come out to look at your vehicle yet?

Moral of the story: If someone crossed the yellow line....Go all Mad Max on em!

That is so unfortunate. At least you are OK. That's what's important.

Dude..I saw your car
 

Sorry about the loss.. I went to Dealer "C" for maintenance and saw your car...

Another SWP down

hope you took lots of pictures and got a police report.

It'll likely NOT get totaled, but airbag deployment is pretty serious in eyes of insurance.

Make sure you file a diminished value claim if it isn't totaled. If it is totaled, fight for amount you paid for the car.

You sure they didn't clip the tail of your car as you swerved away to avoid them? That would have put you in a spin easily and hitting the wall with that corner would have hidden any impact damage they might have had when they clipped you. If so, file hit and run police report with vehicle description and tell your insurance.

If they didn't make contact and you spun out on your own - if your car is totalled, depending on your deductible, you might get $23k back from your insurance (with a hefty increase in future premiums). If your car is pretty new and you didn't put a lot as a down payment, you might end up owing the bank money for a car that's not even yours any more. (If insurance totals it, the money they give you is in exchange for the car.)

Good luck. Remember its sometimes tough to recall everything about an accident as it happens so quickly. Sometimes you remember stuff days later when your mind has time to process everything.

what is diminished value claim? i total paid 30k, with 8500 trade in then split the rest of payments into 7 months
how should i do to fight for the amount i paid for my car
any help will be greatly appreciated

i believe i have 1000 as my deductible......and yes its fairly new, down payment was my previous car ($8500) , and i only owe the bank 400. meaning i have only 400 left in my loan. what should i do / say to fight for a higher pay off

400 is the balance i have left on my loan that i owe the bank. the adjuster is going to inspect the car tmr. and whats my next step? if he decided its totalled, what to do ? what if he says its not totalled, fixable? should i believe what he say or fight till he says its totalled

Are you in any way injured? I would definitely start by:

1. Getting a medical eval ASAP, even if you feel "fine" right now. Airbags went off, there's bound to be some whiplash or muscle strain fro such a hard hit.

2. Contact a personal injury attorney ASAP, tell them about the accident, and that you want to file a diminished value claim.

3. Follow attorney's instructions, sit back, get compensation in a few months.



A DV claim is the loss in value of your car which you can claim. A car w/o an accident is worth more than a car w/ an accident. Basically, you look at what a car would cost retail value before accident, compared to value after accident with repairs. That's a general estimate of the diminished value you could get. It's a bit more complicated than that, but that's the gist of it.

Or you could just wait for an ambulance to drive by and run after it....

Dude, this post really heated me up. I'm sorry man, I hope that fcker gets whats coming to him.

And I hope it's totalled, I can't believe you had 400 bucks left on the car. I hope they give you another new BRZ. I hope everything goes well for you.

In most instances you can't file a diminished value claim against your own insurance policy. They normally have an exclusion written in the policy. Diminished value claims are normally claimed against the at fault party's insurance company.

Dammit dude should've got his license plate... with no evidence, it's going to be tough. Keep us updated.

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If they decide its totaled then they will issue a check for the current ACV (actual cash value) of the car as determined by various methods that they use. They will explain how they arrived at the figure. You can try to fight them if you don't agree on the value, but normally it's a tough fight to try to get more than what they have appraised it for. They put the burden of proof on the claimant to prove why it's worth more after they make their initial offer.

If they say it's repairable, then they'll fix it.

Just went through a couple of accidents my 18 yr old had. Totaled the wife Jetta. Insurance company used a third party to value the car. The report was lengthily and very detailed. I felt comfortable they were being fair. I wanted fair, not getting screwed or screwing them.

Next aaccident he hit my BRZ parked in my driveway with my F-250... guess which vehicle won that contest? Cut out and replaced driver rear 1/4 and new door as they do not sell skins. Insurance paid out just under 5K. I had just "cosmetic" damage, no mechanical. They may just total it, IMHO, it will be close.

By the way, the young' got a speeding ticket in-between that, They canceled my insurance last week, or refused to reinstate that policy and want a new one... monthly premium with him on the policy, $997/month. He is now "excluded" and I'm with another company at $277/month for the new Accord (Jetta replacement) and my F-250. BRZ is a "work" car on my commercial policy.

Yeah, it's filed against the other insurance company. Getting an attorney helps.

That's illegal. Besides, good luck getting pain and suffering without an attorney.

That depends on the state. It ranges from 50% (Iowa) to 100% (Texas), or the insurance company can use the "Total Loss Formula" (TLF), which totals the car if this is true:

Cost of Repair + Salvage Value > Actual Cash Value

If OP's profile is correct, it looks like he's in California, which is a TLF state. The insurance company would normally use the formula above to determine whether it's totaled. In that case, there's a good chance they'll total it, because the salvage values on these cars are pretty high.

Here's a list of the loss thresholds in each state and a decent article about how that works:

http://www.claimsjournal.com/news/na.../05/240841.htm

Salvage value for my car was 9k... Not that high really. If he gets totaled, no diminished value. Might be better off getting diminished value + repaired car, then sell car...

the inspector said it looks fixable on the surface, but had to get the car towed to a auto shop to get it taken apart to see what really was damaged.......
but since the rear tire is all jammed inside, not to mention the air bag on the passenger side deployed, im guessing the chasis/suspension or axles is badly damaged ?
but i still need to wait for them to tear is down to see whasup.....

any hope that is actually fixable? but will the car still ride the same if its all fixed up?

sorry to tell you but its totaled :( if its body work + suspension + airbags then theres no doubt its totaled
glad to hear youre ok tho, goodluck with it!!
-Dave