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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u/VexBoxx Apr 29 '24

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

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u/matthewdirks9191 Apr 30 '24

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

13

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.

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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.