Last night this guy's jeep rolled down a hill into my back left side of my '98 Honda Civic and completely crushed it. The frame of the car is bent and touching the tire. Are they going to total it out?
2006-07-21 06:48:56 · 19 answers · asked by brittanyleejernigan 1 in Cars & Transportation ➔ Maintenance & Repairs
It depends on what the car is worth. If it cost more to fix it than it is worth, yes it will be totalled.
2006-07-21 06:51:10 · answer #1 · answered by Blunt Honesty 7 · 0⤊ 3⤋
If the frame is bent and it's a '98, probably. The only way they won't total your vehicle is if it's worth more than what repairs need done on it. But usually when a frame is bent it's a loss cause to even try to fix it and way too expensive than what a '98 Honda is worth.
The upside is, if they do total it, you get a new car :)
I'm sorry this happened to you though. I know I'd be pissed if someone totaled my car. I love me car!
Hope everything works out for you :)
2006-07-21 13:56:46 · answer #2 · answered by docsgirl24 3 · 0⤊ 0⤋
98 Honda civic... Yup it'll be totaled & if the frame is bent I'd take all the insurance $ & get a new car. If they offer you less $ & the option of keeping the car-I wouldn't do it not if it is damaged like you say it is. Good luck with getting a new car & I know all too well that sometimes it can be sad to lose a car because of someone else's reckless driving skills.
2006-07-21 14:29:59 · answer #3 · answered by Nik 4 · 0⤊ 0⤋
It will depend on the value of your vehicle. The mileage condition and so on. If the damage comes within 85% of the value of the vehicle it will be totaled. Just because the frame is bent does NOT mean that is will be totaled. Who ever said that is VERY WRONG. It still depends on the amount of the damage verses the value of the car. If your car is new and still holds a lot of its value there is no reason why it could not be repaired!
2006-07-21 13:56:02 · answer #4 · answered by tatgirl66 3 · 0⤊ 0⤋
I used to work for an ins. company. the way it works is they don't go by Blue book value they go by market value. Market value meaning- what ever your same type of make and model of car is being sold in your local area(within 50 miles of your home) that's what they base your car value on.
Example: You own a Civic and in your area there 10 going for about 8,000 (minus mileage)etc... but also in your area there are 7 going for 6,000 they will compare your car options(automatic-power steering-airbags...) and come up with a estimated amount bringing the value down due to the lower costing civics and up when compared to the higher costing civics,and go from there. But it mainly depends on how much the people around you are selling there civics for so if some one is overpricing there civics believe it or not it WILL raise the value of your car.
2006-07-21 13:52:21 · answer #5 · answered by Blujeenz♥ 3 · 0⤊ 0⤋
I would imagine so. Every insurance company has a certain point where they decide it's not worth repairing. For example, if the damage on the vehicle is estimated to be greater than 75% of the car's value, then they will deem it a total loss and pay you the value of the car.
2006-07-21 13:53:24 · answer #6 · answered by Anonymous · 0⤊ 0⤋
With the frame bent, they will probably total the car. Regardless, you are not going to get your value out of it. They decide these things using some convoluted calculations.
2006-07-21 13:51:41 · answer #7 · answered by Anonymous · 0⤊ 0⤋
The way you describe it, It is very likely they will. And if the frame is bent it is better if they do. Once the frame is bent, even if it is fixed the car won't be as good and sound as it should be.
2006-07-21 13:53:13 · answer #8 · answered by Kali_girl825 6 · 0⤊ 0⤋
If it is a 98 and has typical miles, more than likely it is toast. Honestly, with a frame that bent, you probablly want them to total it, even though it is a major pain and inconvenience.
2006-07-21 13:52:29 · answer #9 · answered by But why is the rum always gone? 6 · 0⤊ 0⤋
I don't know, but my friend had a new truck, and got t-boned. It came within $100 of being totalled, so instead it was fixed, and was never the same after. He wishes now that he had broke a window out to get the damage total higher.
Go get a sledge, and get busy! Make sure you don't get caught.
2006-07-21 13:53:55 · answer #10 · answered by powhound 7 · 0⤊ 0⤋
They total a car when the cost of fixing it is more than the value of the car.
2006-07-21 13:51:06 · answer #11 · answered by Anonymous · 0⤊ 0⤋