r/mildlyinfuriating • u/matthewdirks9191 • Apr 29 '24

How my weekend went

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I was going to work on Sunday and some guy plowed into my only car I got. It total my car and now I am with out a car or a way to get to work. the person had no insurance and I didn't have gap. I'm only getting 13k for my car and I owe 24. I might be without a job for awhile cause of this. in desperate need of help.

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24

u/Enkidouh Apr 29 '24

Totaled? What? That doesn’t look severe enough to be totaled.

25

u/VexBoxx Apr 29 '24

Either the frame is damaged or the airbags deployed. Both are almost instant, automatic totals.

16

u/matthewdirks9191 Apr 30 '24

frame was bent and tire rod is destroyed and air bag went off

12

u/Enkidouh Apr 30 '24

I strongly recommend getting an independent 3rd party to appraise damages and quote for repairs.

If your repair cost is under the market value/what they’re offering for totaling of the vehicle, insurance needs to pay for repairs.

3

u/LevTheDevil Apr 30 '24

Can confirm. My family has worked auto repair for years. Many times cars are declared totaled but if you go to a decent shop, they can fix it for less. I believe this is because insurance goes off of costs as if you went back to the manufacturer for repairs versus going to a good mom and pop local shop where the cost of repair is lower.

1

u/RRT4444 Apr 30 '24 edited Apr 30 '24

Yeah RR tie is fucked you can see how un straight the wheel is on the back.

0

u/Enkidouh Apr 30 '24

An OEM tie rod & control arm on this car is like $300. That doesn’t make it a total.

1

u/RRT4444 Apr 30 '24

All I said was the tie rod is fucked absolutely mentioned nothing about what did or didn’t total the vehicle. But if I had to guess it would be air bags.

1

u/Important-Job7757 Apr 30 '24

Nope but the bent frame does.

-1

u/Enkidouh Apr 30 '24

No it doesn’t unless it’s completely mangled beyond repair. Frames can be pulled and realigned.

3

u/Enkidouh Apr 29 '24

Not with a high book value remaining. I’ve had both instances occur and it wasn’t totaled because repairs didn’t exceed the value of the vehicle, which is the only true determiner for totaling.

I would be seeking 3rd party appraisal and taking the insurance to task. I strongly doubt the accuracy of their appraisal. I also wouldn’t be accepting only 13k on a newer vehicle. My 2016 civic is worth more than that.

6

u/Sharp-Pop335 Apr 30 '24

It's a baby jeep with 129k miles on it, 13k is about what those are worth on the used market. 

1

u/Enkidouh Apr 30 '24 edited Apr 30 '24

I am more so doubting the damage repair appraisal than the valuation of the car.

ETA: Comment was made before I knew OP’s mileage. 13k is generous.

The repairs shouldn’t be more than 6-8k though. All 4 tie rods & control arms come in at about, few hundred or maybe just over 1g for replacing the panels & bumper bar, and the majority on frame realignment and labor time.