o wow hi new account

[Sitha@ft86club]

Originally Posted by Marchy

yes make sure they are using only OEM components to fix your car, also, until they really tear into the car, they won't know the true cost, I don't think you are anywhere near totalling the car yet, it would have to be around 18k in damages, but from the looks, i'd guess you're a bit closer to 12 than 8.

Yah I'm expecting more bad news. Im going to get a call back tomorrow from my insurance and the collision company. So I' ll let you guys know.

[Sitha@ft86club]

Originally Posted by mikeTee

Yeah, I had a car that was 23k new which had about the same amount if not less physical damage done as your car and the insurance company and collision center both considered it totaled. Granted, the collision center I brought it to was a part of the dealership I bought it form and they probably used OEM component pricing to determine the repair cost. As far as your car's value, probably closer to a 5k decrease rather than 10k.

That's depressing man sorry to hear. But can you explain how come the price reduces even if you get it fixed? Or is there any way to hide it in the fax? Lol

[Sitha@ft86club]

Originally Posted by NickFRS

My car had a $16500 repair bill with less damage then this. I got $8500 for diminished value. Repair time took 6 months.....

Dude was this on the frs???

[NickFRS]

Yea

[Sitha@ft86club]

Originally Posted by NickFRS

Yea

Holy fuck dude that's like half its life wtf, how come it took so long???

[mikeTee]

Originally Posted by Sitha@ft86club

That's depressing man sorry to hear. But can you explain how come the price reduces even if you get it fixed? Or is there any way to hide it in the fax? Lol

I think a lot of people just generally avoid cars involved in collisions but will still consider buying it if a big enough discount is given.

[Sitha@ft86club]

Originally Posted by mikeTee

I think a lot of people just generally avoid cars involved in collisions but will still consider buying it if a big enough discount is given.

Haha true. Unless its a teenage fanboy who wants to be a drift junkie.



New update boys: so my insurance company said that the photos that are being used as evidence are in my favor and the other driver is at fault. What should I do about back and neck pain since my policy doesn't include that. My back and neck are progressively getting worst and I'm scared if I go to the hospital I will be left with a big bill that I can't even afford in my current situation. Any suggestions with you who has been through something like this before.

[Sitha@ft86club]

Originally Posted by Marchy

Dude, go see your doc asap (don't go to the er, do a walk-in clinic or your local practitioner) and get that shit checked out asap, then you put in a claim with the other persons insurance company. If they resist, lawyer up.

But don't I have to pay the bill? I already know they going tell me my back is fucked. N I don't got muneys for a lawyer lol.... Ill call my insurance tomorrow and see what are options. So you recommend just a walk up clinic?

[NickFRS]

Originally Posted by Sitha@ft86club

But don't I have to pay the bill? I already know they going tell me my back is fucked. N I don't got muneys for a lawyer lol.... Ill call my insurance tomorrow and see what are options. So you recommend just a walk up clinic?

Lol. Don't you have insurance. Co-Pay fool. GET A JOB!

[m.box.design]

You're probably covered by your parents' insurance plan.

[Sitha@ft86club]

Originally Posted by NickFRS

Lol. Don't you have insurance. Co-Pay fool. GET A JOB!

Medical nah man only my dad fits it lol, hard times. And I've been looking vigorously. I've had 5 interviews in last two months including one from today so 6. None have stuck. Bulllshit man. Not having best of luck as you can tell. Lol



My momma said that they will not be able to start fixing the car until next week

[NickFRS]

Originally Posted by Sitha@ft86club

Medical nah man only my dad fits it lol, hard times. And I've been looking vigorously. I've had 5 interviews in last two months including one from today so 6. None have stuck. Bulllshit man. Not having best of luck as you can tell. Lol



My momma said that they will not be able to start fixing the car until next week

You legally have to carry insurance otherwise you will be fined soon. If your under 26 your parents have to pay for your insurance. It is hard times when your driving a FRS/BRZ. I don't see how your insurance wont cover medical. Don't you have full coverage?

[Sitha@ft86club]

Originally Posted by NickFRS

You legally have to carry insurance otherwise you will be fined soon. If your under 26 your parents have to pay for your insurance. It is hard times when your driving a FRS/BRZ. I don't see how your insurance wont cover medical. Don't you have full coverage?

I thought I did because when I had a job my insurance was 300 but I think that's for my whole family plan. Straight bull shit dude

[ttknf]

Originally Posted by mikeTee

Hm, $8,400 is a lot, I'm surprised they didn't total it. You should've took the mallet from http://www.ft86club.com/forums/showthread.php?p=1305466 and roughed up the car a little more. I kid of course.

Originally Posted by NickFRS

There usually has to be a 50% loss in value to total the car. You better make sure they are not low balling somewhere to make sure it's fixable so they can make money. Body shops are crooks.

Originally Posted by mikeTee

Yeah, that sounds about right. I've seen higher too - some companies require 70-80%. Well anyways, since they're working on it and insurance is paying out, don't hesitate to bring it back to the shop as many times as needed.

Originally Posted by NickFRS

^ this.

Also remember the body shop is working for you. And if your insurance is fixing the car that means they are working for you also. Don't forget to file a diminished value claim also... Because your car is worse less now.....

You can always ask your insurance to get 3 shop quotes. So you know your not getting fucked over. Sometimes it's best to take it to a dealership + 2 different body shops. (this is what I did)

Originally Posted by Marchy

if the insurance company doesn't trust the shops estimate, they'll send their own adjuster in. a company will total it anywhere between 70 and 85% depending on how new the car is or how much they could get for it in its damages state at the auction.

honestly 8400 does sound low because when my last car was crashed, it had less apparent damage but the cost to repair was around 12k.

Sorry about your accident. From what I garnered from your broken-English description of the accident, it sounds like you're not at fault.

Regarding all these total loss speculations, let me set the record straight. A "total loss" by definition means that the value of repairs exceeds the market value of the vehicle. There's no percentage threshold that insurance companies use, it's simply that after adding up the repair costs, then subtracting the salvage value recovered from selling the totaled car to a salvage vendor (and occasionally other claim-related expenses), that it's cheaper for the insurance company to total it versus repairing it that the car becomes a total.

So for a simple example. Car is worth $10,000 in the current market in your area, repair costs are $8,500 and the salvage value of the car is $2,000, the car will be a total. Reason being, market value is $10,000 - $2,000 recovered by the insurance company after they total your car and recover the salvage by reselling it = $8,000, versus the $8,500 it cost to repair it.

The whole xx% threshold is a misnomer; it's all about value to repair versus market value of the car. And almost anything can be repaired - auto manufacturers sell most of the components of the unibody, which can be safely replaced, if done by a competent body shop.

Originally Posted by Sitha@ft86club

Haha true. Unless its a teenage fanboy who wants to be a drift junkie.



New update boys: so my insurance company said that the photos that are being used as evidence are in my favor and the other driver is at fault. What should I do about back and neck pain since my policy doesn't include that. My back and neck are progressively getting worst and I'm scared if I go to the hospital I will be left with a big bill that I can't even afford in my current situation. Any suggestions with you who has been through something like this before.

You have the option to file a bodily injury (BI) claim with the other driver's insurance carrier. Their liability coverage (bodily injury coverage) will be responsible for handling any expenses related to your injury (if they accept fault for the accident).