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Old 08-08-2013, 02:00 AM   #18
FV
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Join Date: Apr 2013
Drives: 2007 Honda S2000, 2013 BRZ LMT
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Claims adjuster here!

For my insurance company, 70% is the line where we total a car. If a car made a left in front of you, then the other party is at fault (may vary depending on your story and points of impact). You can talk to the other insurance carrier about diminished value. Unfortunately, your own insurance company won't work on diminished value with you (probably a clause some where in your policy).

As far as the shop goes, yeah every shop would rather work on your car. See if you can get your insurance company to approve a tear down before the shop repairing anything. The shop would get paid for the labor hours/storage fees during the tear down so it shouldn't be too bad for them.

Good luck, I would want my car totaled our for a accident that major.
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