View Full Version : Is my car considered "totaled"? (Few pics included)
shioness85
11-13-2010, 03:22 AM
2011 BMW 128i. 20k damages + crack in the engine = Total loss.
http://sphotos.ak.fbcdn.net/hphotos-ak-ash2/hs478.ash2/75098_118730358191527_100001636914053_133788_70276 25_n.jpg
Last time I saw my car..
http://sphotos.ak.fbcdn.net/hphotos-ak-ash2/hs475.ash2/74884_105791599493128_100001868645511_45708_239088 8_n.jpg
Replaced with..
http://sphotos.ak.fbcdn.net/hphotos-ak-ash2/hs595.ash2/154698_105792352826386_100001868645511_45713_67947 65_n.jpg
Thank you all for your help and support.
KevRC4130
11-13-2010, 03:31 AM
Could go either way... But honestly, you should push to have it totalled. Cars are never quite the same after an accident like that, and if the car only has 800 miles on it, the extremely little sentimental value tied to it is not worth the potential related-problems down the road.
YoungCity0829
11-13-2010, 04:22 AM
totaled
DVMotorsports
11-13-2010, 04:22 AM
Damn. I hope you have GAP or a good adjuster.
I WOULD NOT try and repair that car. In my opinion, body panels are one thing. But once the suspension is damaged, the car will never be the same.
On a side note, when BMW's get smacked that hard, the fusible link in the trunk should blow. Thus preventing the car from restarting since it disables the fuel pump for safety reasons among other things.
And how the hell do you have that much brake dust that soon? I know BMW brakes dust bad, but that is an absurd amount of brake dust.
YoungCity0829
11-13-2010, 04:41 AM
i worked for a place that sold aftermarket parts to body shops...i talk to adjusters....that looks totaled but they have to see the frame
Walt WhiteCoupe
11-13-2010, 08:55 AM
I had a similar crash in my 05 Corvette except I was going 40 thru the green light when a lady going 40 thru a red light when we hit. The Vette was totaled but it was 3 years old at the time.
I'd guess that yours is a toss up as to whether it's totaled or not. If it is, you are going to take a bath on it because even though it's a new car, on the market it's used and that's what the insurance will pay unless you have the "gap" insurance.
owenjm
11-13-2010, 10:01 AM
I say totaled. Insurance companies fear the unknown.
they tend to be a little catious when there are mechanical
parts involved. best to cut their losses.
I am not saying it won't be on the road again, just
saying someone will buy it at auction and put it back
together.
gregmm6
11-13-2010, 10:17 AM
In order to make that determination we need to see repair estimates from someone who has had the chance to go through the car, not pictures.
That car is done. You'll be able to pick up a new one.
E36BMW3series
11-13-2010, 10:37 AM
135 time?? lol
I'd try and get it totaled. Not really a rare car and you'll take a big depreciation on resale value if they do in fact get it repaired.
Stück
11-13-2010, 10:41 AM
That will be totaled. Not worth fixing. Toss it in the scrap heap and buy something else.
Frogger
11-13-2010, 10:47 AM
Totaled, IMO.
+1 for hoping that it's totaled; it will never be the same.
ducky328i
11-13-2010, 10:49 AM
totalled. i wouldn't want that car fixed.
Reprisal
11-13-2010, 11:08 AM
Ouch. Glad you're ok.
+ 1 on what most everyone else has said. It looks like it could be totaled, and with only 800 on the odo, you should hope that it is.
Walt WhiteCoupe
11-13-2010, 11:21 AM
If it is totaled I'd guess is gonna cost you around 4 to $5000 to replace it. It's not gonna be free.
shioness85
11-13-2010, 02:36 PM
Ty all :] I just spoke with my lawyer and he tells me my insurance will fully cover everything, including the "gap" insurance some of you were talking about.
And as for the brake dust.. I have no idea!? lol. I know my 328i's brake dust was as bad as this one. So I hought it was normal O_o;
I'm definitely looking into a 135 or going back to a 328.
Once again, ty for all your help and suggestions.
SilverBeam
11-13-2010, 02:56 PM
I'm impressed that the other car managed to "run" from that crash if it completely disabled your car. At least you are OK. Take the car to the best/most expensive shop you can, one that is BMW approved, don't waste your time with anything else. They are most likely to come back with a total lose evaluation, and if they don't, they will fix it the best.
Good luck.
Critter7r
11-13-2010, 04:00 PM
.......
And how the hell do you have that much brake dust that soon? I know BMW brakes dust bad, but that is an absurd amount of brake dust.
That's called 800 miles without washing the car. Normal for folks in California.
And for all of you saying "totalled", I'm pretty sure that'll buff out. :)
i'm guessing around $15k damage, which wouldn't total that car, since it's probably in the mid-high 40's new.
pcoaew
11-13-2010, 04:26 PM
Wow, that's bad, hope your ok, but it's probably totaled
Walt WhiteCoupe
11-13-2010, 04:29 PM
I'm a little curious how this could be a hit and run with that much damage. What hit you, a Sherman Tank?
Jason2454
11-13-2010, 05:56 PM
Take the advice above. Take it to the most expensive shop you can find. My 2010 Sti was in a wreck with 3,000 miles on it and the body shop estimated $27k Damage minimum. It took a long time but the adjuster finally totalled it out with a strong recommendation from the Subaru dealer. In the end I was paid out more than I bought the car for even with a $500 deductable. I had no GAP insurance. GAP is usually not needed if the car is still brand new. Insurance is supposed to pay out replacement cost and I doubt you can find a 128i with 800 miles on it for much less than new.
pizzaman09
11-13-2010, 06:22 PM
I would guess that it will be totaled as well.
And how the hell do you have that much brake dust that soon? I know BMW brakes dust bad, but that is an absurd amount of brake dust.
That looks like about the same amount of brake dust that would accumulate on my front wheels after 800 miles.
shioness85
11-13-2010, 07:59 PM
I'm a little curious how this could be a hit and run with that much damage. What hit you, a Sherman Tank?
LOL. It was a older model Ford Expedition.
That's called 800 miles without washing the car. Normal for folks in California.
Yea.. was planning to get a car wash during the weekend.. but yea.
Hollywood D
11-13-2010, 08:54 PM
LOL. It was a older model Ford Expedition.
Yea.. was planning to get a car wash during the weekend.. but yea.
Usually the car that does the hitting has far less damage than the car that gets hit. It doesn't surprise me that he was able to drive away.
biggafigga
11-13-2010, 08:54 PM
Yea.. was planning to get a car wash during the weekend.. but yea.
You can thank the driver of the other car for saving you the time to wash the car... and then shove the headlight up his ass.
ultimatebohab
11-15-2010, 02:21 PM
That's called 800 miles without washing the car. Normal for folks in California.
And for all of you saying "totalled", I'm pretty sure that'll buff out. :)
i'm guessing around $15k damage, which wouldn't total that car, since it's probably in the mid-high 40's new.
:rofl:
Broox
11-15-2010, 02:46 PM
The car wont start due to a "Battery safety terminal". A safety device installed by BMW. A pyrotechnic device that detonates via the active crash and safety module, separating the battery cable from the rest of the vehicle in order to prevent fire.
GTS 24
11-15-2010, 02:58 PM
Ya the crucial thing with most cars in accidents is structural and drivetrain damage. (which your car did) Then it will cost a fortune to fix and is bascially fit for the scrap heap.
justinNJ
11-15-2010, 03:21 PM
I wouldn't want the car fixed, I'd want a new one. I know body shops are good, but it's never like new.
My parents Infinity had similar damage, while it wasn't brand new with 800 miles but it's totalled.
If your airbags went off, the cost goes up drastically - I hear it's about 2K to replace each airbag!
Jetblack2000Ci
11-15-2010, 06:51 PM
Glad to see you were able to walk away from that one. I'm going to agree with the others and advise that if it can be totaled, it should be. That car will never be the car you drove off the lot with. Get yourself into a 135 for your troubles.
pcoaew
11-15-2010, 07:05 PM
Ty all :] I just spoke with my lawyer and he tells me my insurance will fully cover everything, including the "gap" insurance some of you were talking about.
And as for the brake dust.. I have no idea!? lol. I know my 328i's brake dust was as bad as this one. So I hought it was normal O_o;
I'm definitely looking into a 135 or going back to a 328.
Once again, ty for all your help and suggestions.
Well since you'll be covered on the gap end, hope that it is totaled...
Walt WhiteCoupe
11-15-2010, 07:29 PM
Ty all :] I just spoke with my lawyer and he tells me my insurance will fully cover everything, including the "gap" insurance some of you were talking about.
And as for the brake dust.. I have no idea!? lol. I know my 328i's brake dust was as bad as this one. So I hought it was normal O_o;
I'm definitely looking into a 135 or going back to a 328.
Once again, ty for all your help and suggestions.
I'll believe your lawyer when you tell us your insurance company paid you for coverage you apparently didn't have. Sorry it just doesn't work that way. You crashed a used car and if it's totaled your insurance is going to pay for a used car minus your deductible. If you tried to sell that used car with 800 miles on it, you would realize a substantial loss and that's what you are in for. That's reality unless you paid for gap insurance or you paid for new replacement coverage that some insurance companies offer.
PorscheH6
11-15-2010, 07:40 PM
Some poor sap in another state will buy this car with a clean title
DVMotorsports
11-15-2010, 07:52 PM
I'll believe your lawyer when you tell us your insurance company paid you for coverage you apparently didn't have. Sorry it just doesn't work that way. You crashed a used car and if it's totaled your insurance is going to pay for a used car minus your deductible. If you tried to sell that used car with 800 miles on it, you would realize a substantial loss and that's what you are in for. That's reality unless you paid for gap insurance or you paid for new replacement coverage that some insurance companies offer.
You must have terrible insurance, or more than likely a terrible adjuster. You can overcome "book values" when it comes to insurance these days. Do you really ever go by that? Nobody does unless it's convenient for them.
Examples
A) E30M3
B) My brothers 71 Chevy truck. Totaled by an Eclipse. Insurance said something around 5K. After a few days of searching around on Hemmings, Barrett Jackson and other similar sites, I was able to show my bothers adjuster the market value for the vehicle. He got a check for 14K.
C) I got 4K over value on one of my old Subaru SVX because I had replaced the transmission two weeks prior to it being totaled.
It's all based on how you play it to your advantage. Everything is negotiable.
Walt WhiteCoupe
11-15-2010, 08:52 PM
It's obviously possible to screw your insurance company on a car that has questionable "known" value. There is no possible question over the value of this car. And that's not negotiable. The firm that appraised the value of my old car produced a 14 page report on the condition of that car. Down to the depth of tread on the tires and a survey of cars that sold in the area. And I have great insurance as witnessed by how I was treated after my car was totaled. They paid me a very fair amount for the car and I was very satisfied.
Wonder if it was totaled?????
Here's a pic of my 05 vette that was hit in 08 at 40 mph by a lady running a red light, probably on a cell phone, and I was going 40 mph. A blind intersection where you couldn't see the approaching traffic. Through a miracle of luck I was able to hit her front passenger wheel with my drivers side wheel. If I'd been to that intersection a blind of the eye sooner and she T boned that vette, I wouldn't be writing this now. The picture looks like I hit a tree but I stopped just in front of tree.
.http://i181.photobucket.com/albums/x139/Walt4321/July%2008%20Crash/OverallShot.jpg
cky751
11-15-2010, 09:13 PM
looks totaled. it's at least salvage (which cuts the car re-sale value in half). this is wrong on so many levels. people these days...yeah I had a hit in run on my old avus 95 M3. the lady crossed over a solid white line and side swiped me then looked at me and took off. just was driving a dark toyota and here plate number was 3PIH103...... she told the cops that my car was full of drunken teenagers harassing her....
GunnerNell
11-15-2010, 09:55 PM
Couple of things. My '06 325 Cic recently got totaled, and the insurance co. paid me the retail value of the car, less the deductible. I had gone to the BMW dealer who sold me the car, used, in 2009, and they gave me the retail value quote that dealership would use. State Farm gave me actually a few bucks more than that (less the deductible, as noted).
As others have said, you want that car to be totaled because it will never be the same.
Insurance company told me that if the repairs would cost around 75% of the car's value, they would consider it a total loss. If the insurance company won't total yours, make sure you get them to pay you for the reduced value of the car after the wreck. [CarFax will be all over it.] Your car not only will never be the same, it will always be worth at least 25% less than a similar car that has never been wrecked. The insurance company should make up that difference for you. Your lawyer will be able to help you there if need be.
Good luck, whatever happens. Hope they catch the s.o.b. that hit you.
SeanH
11-15-2010, 10:04 PM
WOW! They ran?! That is such crap. No witnesses at the scene?? He/she had to have paused for a few seconds before taking off - enough time to get a few characters off the plate and the car's description. I'd be downright furious the asshole took off...ugh.
JCooper
11-15-2010, 10:17 PM
surprised the license plate on the other car didnt fall off or get wedged into your front end! Did you or any of the witnesses get the plate number?
ElleShooTiger
11-15-2010, 10:56 PM
Surprising that the right frame rail doesnt look all that swayed. :confused At that speed the front end should be shifted over a good bit, or maybe BMW's are that strong lol. Being so new, I'd really, really push to have it totalled just for your own happiness.
It can be fixed, but thats a lot of damage and we cant even see the condition of the engine bay. It will go to auction and some shop will buy it and fix it.
On the bright side, the windshield looks good! lol
htran
11-16-2010, 02:51 AM
Ouch! :(
At least you're alright.
If it's chassis and drivetrain damage, most likely totaled.
I was sort of in the same situation. I made a right turn on an intersection, drove for a few hundred feet down a city block and then a van made an instant right turn onto my section and clipped the front driver fender (I was in his blind spot). My 986S lost control and dived straight into a tree at around 30mph. The dude in the van took off, luckily a witness followed him and his gf and called the cops on them. The dude was charged with DUI and hit-and-run. I was paid in full for totaled car and medical bills. And luckily walked out of the car a bit dazed with an airbag rash on my left arm. Here's a pic of my 986S with the 996 turbo front end conversion at the impound. :(
http://i104.photobucket.com/albums/m173/perciivall/Accident/mobile_xxx6.jpg
robmpulse
11-16-2010, 11:19 AM
I am willing to bet that none of the people in this thread stating it will never be the same and it's beyond repair have 100% no clue what the hell they are talking about. lol
GunnerNell
11-16-2010, 03:27 PM
I am willing to bet that none of the people in this thread stating it will never be the same and it's beyond repair have 100% no clue what the hell they are talking about. lol
And I am willing to bet that you did not mean to say this the way you wrote it. Any bets on who's actually right here?
JustinE90
11-16-2010, 07:11 PM
I am willing to bet that none of the people in this thread stating it will never be the same and it's beyond repair have 100% no clue what the hell they are talking about. lol
i would agree. People hear that "once a car is hit, its never the same" and just run with it.
DSMjrv
11-17-2010, 01:33 AM
id say any truck or well built sedan would be able to run from a hit like that
ross22davis
11-17-2010, 02:07 AM
Im leaning towards totaled... Looks like theres some suspension damage and probably even some frame damage.. Probably lots of hidden damage too...
bummer :(
320iGUY
11-17-2010, 10:01 PM
i am in concurrence with the the majority, the lower control arms on BMWs are mounted to the chassis, which is most likely distorted now. making a hole for the marginal Camber/Toe angles to be out of "whack". Let me reassure you that there is a special place in hell for these kinds of asshats.... :"\
inertia
11-17-2010, 10:10 PM
If that were mine and it was me, I'd insist that they total the car.... getting smacked sideways at the speed(s) you estimated MUST have had some unintended stresses generated on the front suspension.... I would not want the car any longer... plus, Carfax will now show a MAJOR repair for all the world to see, further reducing it's future value...
Walt WhiteCoupe
11-17-2010, 10:41 PM
I absolutely love these posts that suggest, " I'd insist that they total the car." Like you have some say in the economic determination whether or not the car is totaled. You don't. If the repair value, a hard and fixed number, is 75 to 80% of the value of the car, it's considered totaled. Otherwise it's not. Insist all you want, that's how it works.
GunnerNell
11-18-2010, 08:15 AM
I absolutely love these posts that suggest, " I'd insist that they total the car." Like you have some say in the economic determination whether or not the car is totaled. You don't. If the repair value, a hard and fixed number, is 75 to 80% of the value of the car, it's considered totaled. Otherwise it's not. Insist all you want, that's how it works.
You're probably right, in general, but I believe there can sometimes be a "human" factor involved. For example, if you've been dealing with the same insurance agent for a while and he/she knows you, I think it's possible for that person to apply some influence in the direction you want as to the decision, especially if the numbers are close. Same with the repair shop. If you know them, or even if you don't, they'll sometimes 'work with you' (within reason, of course) to help you get closer to the result you want.
DVMotorsports
11-18-2010, 11:47 AM
^
This guy is right. Anything can be subject to influence.
Brashland
11-18-2010, 03:10 PM
CARFAX is a joke and likely won't show anything. Boss' car several years ago was t-boned and repairs were roughly 2/3 to 3/4 the cost of the car which was bought 7 months prior new.
Carfax 4 months after it was fixed listed "This car is eligible for the CARFAX clear car guarantee."
I called Carfax and their response was "All states aren't required to disclose insurance repair histories."
The did give me a full refund on my subscription.
robmpulse
11-18-2010, 04:09 PM
And I am willing to bet that you did not mean to say this the way you wrote it. Any bets on who's actually right here?
I was insinuating that the ones that are looking a pic on the internet and claim it is for sure a total loss as well as the ones that say "I would demand it be totaled as it will never be the same" have absolutely no idea what they are talking about.
I also do agree with your human factor post, as well. A good relationship with an insurance agent can go A LONG WAY.
typeS4
11-18-2010, 09:31 PM
totaled
ElleShooTiger
11-18-2010, 10:23 PM
I was insinuating that the ones that are looking a pic on the internet and claim it is for sure a total loss as well as the ones that say "I would demand it be totaled as it will never be the same" have absolutely no idea what they are talking about.
I also do agree with your human factor post, as well. A good relationship with an insurance agent can go A LONG WAY.
A really good shop can rebuild any car, however insurance companies want the car fixed as quickly and cheaply as possible, which leads to many of us wanting to have a car totalled instead of being 98.3% "fixed". If his insurance does want to repair it, he can always reject the repairs and ask the insurance to buy it back.
Its the difference between paying out of pocket to restore an old car, and having your insurance "fix" your car on their terms and money.
I saw a thread on a Mercedes forum where an S-Class in China ran under an 18-wheeler, the front and a-pillars were crushed. Due to the low cost of labor there, they took the front apart weld-by-weld and welded in all new sheetmetal. Sheetmetal parts alone were like 30 grand :eek: If his company is willing to pay to rebuild his car that well, then it might be "like new" :D
GunnerNell
11-19-2010, 12:28 AM
I was insinuating that the ones that are looking a pic on the internet and claim it is for sure a total loss as well as the ones that say "I would demand it be totaled as it will never be the same" have absolutely no idea what they are talking about.
I was pretty sure about what you were trying to say. I was just being a smarta** about your double negative. ;)
tejawxyz
11-19-2010, 12:42 AM
Thats totalled
wazzuFreddo
11-19-2010, 12:56 AM
WOW! They ran?! That is such crap. No witnesses at the scene?? He/she had to have paused for a few seconds before taking off - enough time to get a few characters off the plate and the car's description. I'd be downright furious the asshole took off...ugh.
Pretty much S.O.P. for the LA area. Hit and runs are common down there and because of the diffused responsibility, nobody wants to get involved in other people's troubles and no one sticks around to give a report. :shifty
Happens around here a fair amount too. SFPD won't even show up to take a report on a hit an run unless someone is leaving in an ambulance, they don't have the resources.
shioness85
11-19-2010, 01:38 AM
A quick update. The ins adjuster did come by and took a 'quick look' at my car and said it's in the borderline. They said they'll have to look into it more thoroughly and let us know.. Is this common? Aren't they suppose to give me a definite answer the first time they come to take a look at it? :confused
Sorry in advance, this will be a long post due to replies ^^;
You can thank the driver of the other car for saving you the time to wash the car... and then shove the headlight up his ass.
:D I really wish I could have..
The car wont start due to a "Battery safety terminal". A safety device installed by BMW. A pyrotechnic device that detonates via the active crash and safety module, separating the battery cable from the rest of the vehicle in order to prevent fire.
O_o Never knew that.. never would have if it weren't for the accident. I just drive a car.. not knowing much about it. Sounds bad but I think it's common for us.. um.. yea.. 'us'. :(
If your airbags went off, the cost goes up drastically - I hear it's about 2K to replace each airbag!
no airbags deployed. thanks to that, I slammed my head real hard on the window.. but I think it's better that way.. don't want a airbag burn on the side of my face O_O;
I'll believe your lawyer when you tell us your insurance company paid you for coverage you apparently didn't have. Sorry it just doesn't work that way. You crashed a used car and if it's totaled your insurance is going to pay for a used car minus your deductible. If you tried to sell that used car with 800 miles on it, you would realize a substantial loss and that's what you are in for. That's reality unless you paid for gap insurance or you paid for new replacement coverage that some insurance companies offer.
Thanks for the information. I'll keep that in mind and hope for the best. :]
looks totaled. it's at least salvage (which cuts the car re-sale value in half). this is wrong on so many levels. people these days...yeah I had a hit in run on my old avus 95 M3. the lady crossed over a solid white line and side swiped me then looked at me and took off. just was driving a dark toyota and here plate number was 3PIH103...... she told the cops that my car was full of drunken teenagers harassing her....
That's just wrong.. wow. Hope everything worked out well for you.
WOW! They ran?! That is such crap. No witnesses at the scene?? He/she had to have paused for a few seconds before taking off - enough time to get a few characters off the plate and the car's description. I'd be downright furious the asshole took off...ugh.
surprised the license plate on the other car didnt fall off or get wedged into your front end! Did you or any of the witnesses get the plate number?
*EDITED* had to leave some information out..
No plates. I was too disoriented. It was a black Ford Expedition :T
Ouch! :(
At least you're alright.
If it's chassis and drivetrain damage, most likely totaled.
I was sort of in the same situation. I made a right turn on an intersection, drove for a few hundred feet down a city block and then a van made an instant right turn onto my section and clipped the front driver fender (I was in his blind spot). My 986S lost control and dived straight into a tree at around 30mph. The dude in the van took off, luckily a witness followed him and his gf and called the cops on them. The dude was charged with DUI and hit-and-run. I was paid in full for totaled car and medical bills. And luckily walked out of the car a bit dazed with an airbag rash on my left arm. Here's a pic of my 986S with the 996 turbo front end conversion at the impound. :(
*EDITED*
Thank you. That picture looks bad O_O Glad to hear your case ended in good terms.
Pretty much S.O.P. for the LA area. Hit and runs are common down there and because of the diffused responsibility, nobody wants to get involved in other people's troubles and no one sticks around to give a report. :shifty
Happens around here a fair amount too. SFPD won't even show up to take a report on a hit an run unless someone is leaving in an ambulance, they don't have the resources.
I totally agree. One too many hit and runs! I didn't have to wait long cause the police station was only couple miles away. They did however, take 40 minutes to come when I had a hit and run on my parked car few years back. I actually consider myself lucky at that time cause I've heard that they almost never come for a private lot hit and runs.
Walt WhiteCoupe
11-19-2010, 08:07 AM
The ins adjuster did come by and took a 'quick look' at my car and said it's in the borderline. They said they'll have to look into it more thoroughly and let us know.. Is this common? Aren't they suppose to give me a definite answer the first time they come to take a look at it?
The answer to your question is no. Some damage is so great that a "quick look" is all that's needed to determine if it's totaled. If it's borderline then a detailed "Cost to Repair" report must be completed. The good news is that that more detailed report "usually" can't determine all the damage to the car. So if that repair estimate is close to their cutoff value they will very often total the car because they know that once the body shop gets into the job more, less obvious damage is likely to be found. So keep your fingers crossed if you're hoping it's totaled.
GunnerNell
11-19-2010, 08:21 AM
OP, in answer to your first question on your latest post - no, they do not usually give you an answer the first time they see the car, at least not here in Pennsylvania. In fact, they really can't give an answer, and certainly not a definitive one, until they get the car to a knowledgeable repair shop where the experienced guys can really look at every system to determine exactly what's damaged and the extent of it. That process requires a very careful, thorough examination of the vehicle from all angles. Then, as others have said, they have to figure out what parts are needed, the labor to install them, and the overall costs. Finally, they compare that total cost of the repairs to the value of the vehicle, considering the age, mileage, optional equipment and overall condition. It's considered to be a total wreck if the cost of repair is in the neighborhood of 75 to 80% of the car's value. It's a fairly complicated process and is surprising (to me anyway) how quickly they do it, considering how much work has to be done. My insurance company, State Farm, said it was trying to get me back on the road as quickly as possible, and they did a fairly good job of that. Again, good luck to you.
Walt WhiteCoupe
11-19-2010, 10:17 AM
GunnerNell (http://forums.bimmerforums.com/forum/member.php?u=206694)
I agree with almost all you said but I'm in PA also and had experience with a totaled car. Geico doesn't rely on the body shop to determine the cost to repair mainly, I suspect, because they have an interest in the outcome. Geico uses their own "adjuster" to determine the extend of the repairs needed.
GunnerNell
11-19-2010, 11:57 AM
Yeah, I had to take a car into a specific place for an estimate once. The place was up there near the Marple shopping center, where 320 meets Rt. 1. I forget which insurance I had at the time, may have been Geico. Anyway, this time, State Farm relied on the auto body place, but it had to be one they had pre-approved.
Brashland
11-19-2010, 12:10 PM
no airbags deployed. thanks to that, I slammed my head real hard on the window.. but I think it's better that way..
Airbag failure? The main reason for airbags is to prevent that sort of blunt head trauma that slamming your skull into the windshield can cause. Were you wearing a seatbelt?
A quick update. The ins adjuster did come by and took a 'quick look' at my car and said it's in the borderline.
If your car is totaled (the ins. co. won't know until it is put in the body shop and thoroughly inspected), the ins. co. will pay you an amount based upon other sales of cars like yours (model, make, mileage) in your area, less your deductible. Even if you take the money and get your car repaired on your own, its title history will always reflect that the car was a "total loss", giving it relatively zilch resale/trade-in value. In short, having your car totaled can really suck.
shioness85
11-19-2010, 01:32 PM
Thank you Walt, Gunner and tdd. I now understand the complexity of this process. I learned so much from this forum already. Thank you all!
Airbag failure? The main reason for airbags is to prevent that sort of blunt head trauma that slamming your skull into the windshield can cause. Were you wearing a seatbelt?
Actually, I slammed my head on the driver's side window. And yes, I was wearing a seatbelt. It's the law! :) Following the law is one thing.. but my car gives me hell if I don't have 'em on.
avipercc
11-19-2010, 04:50 PM
it was a hit and run in a busy intersection like that!?!? what is wrong with people theses days thats rediculous. shoot i woulda chased their ass down on foot
shioness85
11-27-2010, 12:38 AM
it was a hit and run in a busy intersection like that!?!? what is wrong with people theses days thats rediculous. shoot i woulda chased their ass down on foot
Yea, it's just wrong. I do believe in karma :D They'll suffer later on.
MANUALmobile
11-27-2010, 12:53 AM
What was the other guy/girl driving that it was able to hit you that hard and then still limp away? A tank possibly?
Glad to see you got it replaced with something a bit larger and prettier!
SilverBeam
11-27-2010, 12:30 PM
Airbag failure? The main reason for airbags is to prevent that sort of blunt head trauma that slamming your skull into the windshield can cause. Were you wearing a seatbelt?
It surprises me how few people understand how airbags work on this forums.
http://auto.howstuffworks.com/car-driving-safety/safety-regulatory-devices/airbag.htm
Airbags are connected to an accelerometer, if the car decelerates at a rate consistent to hitting a brick wall at 10-15 mph it triggers the airbag to deploy, it if doesn't, the bag doesn't go off. Side crashes are less likely to deploy airbags because of the rate of deceleration, I believe.
Airbags are deployed with an explosion. They inflate at about 180 mph, and if it is a non-life-threatening crash, such as this one, the airbag can cause more injury than the crash. So if you get in a crash, and you are able to walk out of it with minor bumps and bruises, and in good enough shape to say "gee, I wonder why the airbag didn't deploy" well, you answered your own question. Airbags are life saving devices that shouldn't deploy in non-life-threatening situations.
Brashland
11-30-2010, 01:10 PM
It surprises me how few people understand how airbags work on this forums.
http://auto.howstuffworks.com/car-driving-safety/safety-regulatory-devices/airbag.htm
Airbags are connected to an accelerometer, if the car decelerates at a rate consistent to hitting a brick wall at 10-15 mph it triggers the airbag to deploy, it if doesn't, the bag doesn't go off. Side crashes are less likely to deploy airbags because of the rate of deceleration, I believe.
Airbags are deployed with an explosion. They inflate at about 180 mph, and if it is a non-life-threatening crash, such as this one, the airbag can cause more injury than the crash. So if you get in a crash, and you are able to walk out of it with minor bumps and bruises, and in good enough shape to say "gee, I wonder why the airbag didn't deploy" well, you answered your own question. Airbags are life saving devices that shouldn't deploy in non-life-threatening situations.
Actually, I do understand how airbags work. His quote was that he "slammed my head real hard against the window". What are airbags designed for? Preventing you from having impacts against things like steering wheels, dash boards, windows, etc. It it was enought of an impact to throw you against a hard, fixed object, something failed.
SilverBeam
11-30-2010, 01:47 PM
Actually, I do understand how airbags work. His quote was that he "slammed my head real hard against the window". What are airbags designed for? Preventing you from having impacts against things like steering wheels, dash boards, windows, etc. It it was enought of an impact to throw you against a hard, fixed object, something failed.
It's too prevent injury, and since he wasn't hurt, there was no need for the bag to deploy.
Walt WhiteCoupe
11-30-2010, 03:08 PM
To the OP:
How about an update?????????????????????????????????
Brashland
11-30-2010, 03:20 PM
To the OP:
How about an update?????????????????????????????????
Goto first post: new car pictured.
Jetblack2000Ci
11-30-2010, 04:06 PM
New car = Win
Congrats, OP. Walked away with both your life and a sweet, sweet ride.
ponytrekker
12-01-2010, 07:38 AM
Geico would've buffed that right out.
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