Dude runs a stop sign in town....I have NO chance of missing...I swerved and hit him a glancing blow (94 Sonoma)...but look what happened
I know for sure the frame is bent up front. I have no clue if it can be straightened. Looks like I won't be driving this one on vacation to Houston in three weeks!
IF they total it....does HIS insurance buy me a new one?

 

OH MAN, you OK? That makes me ill just looking at it

Get it in the shop and get it fixed ASAP. You need to get past this....

Sorry for your mishap....

Bob

 

well I assume you are OK since you are posting....pretty sure it can be fixed hard to say....good luck with repairs...

 

Oh Man!! First of all , hope everyone is O.K.

That is my worst nightmare!I feel for ya..I hope you get a new one.

And if he is at fault,his insurance will pay UP to what they assess the value to be of your car

What a shame

 

Ouch!!!
That Sux hopefully you will have another one before your Houston trip, after all their is a lot of open road down here (Texas) for you to have fun on!!
Good luck!

 

Good time for a new tigershark front end and a nice heat extractor hood!!

 

man that sucks
Mean Green got hit like that and his vette was totalled.

 

 

I hope you are ok.
I sorry to see your car looking like that but i hope you get it fixed are get a new one.

 

 

Ah dam, I am hoping and guessing you are ok...... (since you're posting)

Hate to see this. Sorry too to see this.......

If totalled Insurance shoud NOT give Blue Book Value, but replacement value. That's what it would cost to buy a mint car (since yours was mint) just like it, same year, same car.

 

Glad nobody got hurt and hope everything works out for you!

 

That's terrible man. I can only imagine what goes thru your mind when you're standing in front of your car, and be looking at the damages. I'll be sick and mighty upset.
Good luck with it, and I hope you get this resolved to your satisfaction.

 

Ouch...sure hate to see things like that...

 

Oh man that hurts. I hope you are okay.

Did the other car have much damage?

 

Did the Air Bag deploy? Seat Belt on?

 

IMHO, I've been in this situation before and I request that they 'total' my car. I don't want it after it's been wrecked, never the same again. If you have tons of mods, gather all the receipts for proof to give to the ins. co. If you you're not heavily modded, total it and move on to a new one...(by new, I mean another one, not necessarily a C6).

Also, see if your ins. co. can get a little extra cash out of their ins. co. Good luck, and sorry to see that damage....heart breaking, I know.

 

Without getting under the hood, you probably have enough damage to total it. Now, a lot of people are going to come on here and give you misguided information about how to deal with the insurance company: get a lawyer, sue the bastards, don't take anything less than some inflated "blue book" value, blah, blah, blah, but I've been doing this for 17 years so this is what generally happens with the insurance company:

Insurance companies will total a vehicle if the cost of repairs exceed 70-80% of the value of the car. If it's close, they will probably favor totaling it because of the additional cost of a rental vehicle. How they determine the value of the vehicle varies from company to company. What we use is NADA retail value and two dealer quotes. We will call a dealer and ask them how much they think they would sell your vehicle if they had one exactly like it (because it would be difficult to find a vehicle exactly like yours). The insurance company does not locate a replacement vehicle. We are not in the used car business. We owe you what the market says your car is worth. Now, we take the average between NADA and two dealer quotes, then add sales tax and title fees. If you have mods, give them the original receipts and they typically will give you some consideration for those. You will not get the original cost of your mods because they have been used. If you recently did maintenance related work like new tires or a battery, forget about it. Maintanance related work does not increase the value of your car.

The thing that most people do not realize is that you will typically get a better deal from the insurance company than if you tried to sell the unwrecked vehicle yourself. Some companies will give you straight NADA, which is almost always higher than what you could sell it for. For example, a 2003 coupe with 10,000 miles has an average NADA retail value of over $35,000. There is no way you could get 35k for your car if you tried to sell it yourself. 2003 Z06's with half the mileage are going for less than that.

Once you get an offer from your company, it's generally not going to be a low ball offer with the anticipation that you will argue it. If the market tells me your car is worth 30k, then the value is what it is. But, you need to ask the adjuster how he determined the value of the car because he may have missed something.

The last and most important piece of advise I can give you is to be pleasant and respectful of the claim rep. If you get belligerent, the adjuster will most likely take a very hard line on you. If you plead your case in a diplomatic manner, they are more likely to exercise some discretion to "increase" the value of the car. If I have a pleasant customer, I will find a way to make him happy. For example, I may average in an "auto trader" quote to increase the value of the car, even though the quoted price on auto trader probably is no where near what the vehicle ultimately would sell for. Some companies do not allow their adjusters to use any discretion, but some do.

Now, if the car is repairable, this is a whole other issue. The major issue with a repair job is new vs. used parts. Insurance companies do not owe your for original brand new parts. If "like kind and quality parts" are available, they will put them on. You are not entitled to new parts for a used vehicle. This has been litigated to death with the same result so it's a waste of time arguing it. Now some states allow for diminished value of a repaired vehicle so you'll need to check around for that. In your case, the vehicle looks close to a total so if the repair cost is borderline, you can make the argument that the cost of a rental during a repair may exceed the threshold, not to mention that the vehicle as is will bring some pretty good salvage value for the insurance company if they total it. Good luck and let us know how it goes.

 

ouch......

 

I have no idea how the insurance companies will handle this, but I just hope you are okay and that it gets resolved properly so you can relax and enjoy your vacation.