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Repairable?
- Thread starter Zshadow89
- Start date
This looks a bit concerning as at the top of the door right where it meets the rear quarter window there looks like there might be a kink in the roof. Followed by a visible indent in the roof above your quarter window . Add to that the damage across the rocker at the bottom underneath suggests the unibody is pushed inwards at an angle on that side. Which would translate to it not being straight front to rear. That pretty much means its screwed.
Now this is just from looking at it a body shop could more accurately asses it . I can tell you though having fixed cars in the past I would not be surprised if they told its done.
Now this is just from looking at it a body shop could more accurately asses it . I can tell you though having fixed cars in the past I would not be surprised if they told its done.
Take it to a shop, get it thoroughly looked at - if the estimator is willing to walk you through what they see and what it will take to repair/replace the parts, even better. Just from the picture it looks like a couple doors and airbag(s), but you want a pro to look at it and tell you what can be done.
Definitely not correct. Look at the picture below and tell me what you think. They gave me over $5,000 for it because they totaled it out. No airbags were deployed.
I don't live in the UK I don't know how the laws work when it comes to insurance, or what is allowed with the inspections I know they have.
"If the cost of repairing your vehicle exceeds a certain percentage of your car's value before the accident, insurance companies will declare it a "total loss." Some car insurance companies will total a vehicle if damages are at or above 51% its pre-accident value. Other insurers will total at 80%. State insurance departments often set guidelines for the percentage at which cars can be totaled."
https://www.google.com/amp/s/www.insure.com/amp/car-insurance/car-totaling.html
Sent from my LG-LS997 using Tapatalk
I don't live in the UK I don't know how the laws work when it comes to insurance, or what is allowed with the inspections I know they have.
"If the cost of repairing your vehicle exceeds a certain percentage of your car's value before the accident, insurance companies will declare it a "total loss." Some car insurance companies will total a vehicle if damages are at or above 51% its pre-accident value. Other insurers will total at 80%. State insurance departments often set guidelines for the percentage at which cars can be totaled."
https://www.google.com/amp/s/www.insure.com/amp/car-insurance/car-totaling.html
Sent from my LG-LS997 using Tapatalk
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What totals a car is based on what it takes to require the car to have a salvage title. In Missouri, that level is 80% of the value prior to the accident. Right now, most Fiesta STs are selling for anywhere from $13000 to $19000 depending on mileage. The insurance company will likely choose a value that's in their favor, so perhaps $14000. 80% of that is $11200.
So, at least in Missouri, for a Fiesta ST in good condition and not with tons of miles, it wouldn't get totaled until perhaps $10000 of damage. That said, it doesn't seem to take much to reach $10000 given the costs of professional body work.
So, at least in Missouri, for a Fiesta ST in good condition and not with tons of miles, it wouldn't get totaled until perhaps $10000 of damage. That said, it doesn't seem to take much to reach $10000 given the costs of professional body work.
That's an 08'+ Ford Focus? I'd say $5k was a pretty fair total loss valuation, assuming that was in the last few years.
As pointed out, it does vary by state, but if you've got an insurance company that's going for a "total out" at 50% value (likely the legal minimum in some states), you need a new insurance company.
Second time I had my FiST rear-ended, they estimated about $12k in repairs to fix it. They would have given the green light to repairs, only issue is those repairs wouldn't have been legal pretty much anywhere, so it was listed as a total loss, and Geico paid me $15,900 for it. This was about two years ago.
Also, you may have the option to contest the insurance company's valuation, which most people don't realize. I've been through this ordeal. Twice. Don't settle for what the insurance company gives you; you may have better options. Geico just happened to offer me top of market for my '15 at the time, so I opted not go that route.
I have Geico and I was very happy to get ,$5,000 for that car. That was in September of 2020. 2010 SE 123,000 miles.
You were completely wrong in your first post. I don't need to be told how it works because I know how it works.
"To "total" a car, at least in the US, that means damages exceed the value of the car." Your words not mine. Wrong just say it. Wrong about the value and wrong by saying US when insurance is done by state.
Who in the hell wants a car fixed with structural damage anyway? $12,000 for being rear ended I wouldn't want to drive that car even if it was legal.
I'm not trying to be a jackass but I don't play being told I'm wrong when I'm not.
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You were completely wrong in your first post. I don't need to be told how it works because I know how it works.
"To "total" a car, at least in the US, that means damages exceed the value of the car." Your words not mine. Wrong just say it. Wrong about the value and wrong by saying US when insurance is done by state.
Who in the hell wants a car fixed with structural damage anyway? $12,000 for being rear ended I wouldn't want to drive that car even if it was legal.
I'm not trying to be a jackass but I don't play being told I'm wrong when I'm not.
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It is all good I have been through this twice in the last year so I just know how it works. Never my fault mother nature seems to hate my vehicles.
A quick example to your point though another individual with a Ford Focus like I had only got $1,000. He would have bought the car back but the state he lives in Georgia does not allow you to title a salvaged vehicle.
Sent from my LG-LS997 using Tapatalk
A quick example to your point though another individual with a Ford Focus like I had only got $1,000. He would have bought the car back but the state he lives in Georgia does not allow you to title a salvaged vehicle.
Sent from my LG-LS997 using Tapatalk
Like others have said and is true as I have seen the average total is a repair bill that comes up to 80% of the Value including labor.
While lots can speculate what constitutes what a FiST would total for there are a lot of variables.
Mileage on the car having a big factor. The higher the mileage the more likely to total. On top of that you would be surprised how little trim pieces you can get for fairly cheap magically jump in value on a estimate. This again is an age mileage factor.
Newer car they will specify brand new parts at dealer list. Older car they will use junk yard or used parts when they can. This again is age/Value factor. Even though they opt to use used parts the car could still total out though.
The OP’s car easily has 5k or more in repairs labor hours wise as the Whole side of the car pretty much has to be resprayed paint wise. That is more labor time plus supplies. Though if is unibody is bent like I speculate based on the pics that could easily total it because a side hit punch to the unibody is really almost impossible to straighten correctly . Its like permanently warped.
Yes fixed a lot of cars and been around a lot of body shops. Its not always cut and dry which
While lots can speculate what constitutes what a FiST would total for there are a lot of variables.
Mileage on the car having a big factor. The higher the mileage the more likely to total. On top of that you would be surprised how little trim pieces you can get for fairly cheap magically jump in value on a estimate. This again is an age mileage factor.
Newer car they will specify brand new parts at dealer list. Older car they will use junk yard or used parts when they can. This again is age/Value factor. Even though they opt to use used parts the car could still total out though.
The OP’s car easily has 5k or more in repairs labor hours wise as the Whole side of the car pretty much has to be resprayed paint wise. That is more labor time plus supplies. Though if is unibody is bent like I speculate based on the pics that could easily total it because a side hit punch to the unibody is really almost impossible to straighten correctly . Its like permanently warped.
Yes fixed a lot of cars and been around a lot of body shops. Its not always cut and dry which
lol, it's not permanently warped, any reputable body shop equipped with laser measuring system, frame rack, and hydraulic pullers can repair that. That looks totally repairable, You're b-pillar definitely will need to be pulled. New quarter panel sectioned in. Rocker can be pulled. You need a new door. The issue is you're airbags went off, which is what will likely total your car. The srs module and replacement of your seat belt tensioners is what will drive the cost up as the srs modules and safety related parts are usually the most expensive parts.
I did not say it was not repairable I said almost and yes the unibody is quite possibly warped. I said possibly as in I speculate that is not a for certain as when one speculates its means they are making a somewhat educated guess that is not for sure.
I also pointed out all the ins and outs of said possibility.
I also said none of us can actually know for sure twice and that it was really up to a professional.
Again like I said it all comes down to added up costs . A car can be totally fixable but cost to much to warrant repairing it and get totaled. I see that all the time when I go to the junkyard.
Also regardless of what you think I have seen cars that should not have been repaired unibody hits that are back on the road and not driving right because of it.
Anybody can try and fix anything it may or may not come out right though.
I also pointed out all the ins and outs of said possibility.
I also said none of us can actually know for sure twice and that it was really up to a professional.
Again like I said it all comes down to added up costs . A car can be totally fixable but cost to much to warrant repairing it and get totaled. I see that all the time when I go to the junkyard.
Also regardless of what you think I have seen cars that should not have been repaired unibody hits that are back on the road and not driving right because of it.
Anybody can try and fix anything it may or may not come out right though.
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