I got side smoked and need some advice.

[dirtyd]

Here is the situation,

Just got an 07 speed 3 in October 10'. On Saturday a lady decides to hit the gas instead of the brakes as she was turning left and smokes me in the driverside.
Damages,
Driverside door
Rear driverside door (most of the impact - its toast)
rear quarter panel crushed into the rear wheel (undriveable)
I dont know if she hit the rear tire so I dont know if there is any suspension problems
when she hit me I spun around 180" degrees which there might be frame twist

I am no body shop guy but I have been told its about 8000$ damages (thats without knowing if suspension or frame is damaged)

The adjuster is going out to evaluate the car but I want it written off because when I go to resale this car, there will be a big claim on the carfax and who will pay top dollar for a car that has been in a accident. I will have to sell dirt cheap and take the hit for an accident that wasnt even my fault.

and......
i hate when the insurance companies say we will fix it back to original shape. No matter how good the body shop is.....it will never be original!!!!! its only original once.


anything i can do to help out to get my car written off??
or how does the insurance companies determine if the car is a write off?
the guy at the Mazda dealer told me if the repairs exceed 60% or more of the wholesale value of the car.....true? and if thats the case would it be a write off with $8000 damage?

Thanks in advance for your input!

[notthesnail]

Three consecutive panels damaged probably means it will be written off. This is what I've heard. I'd be interested in your outcome to know if the info is correct.

[n00bMeiSter]

That sucks, sorry to hear that. Are you okay at least?
Post some pictures if you have any, that may help people understand the extent of the damage.

[dirtyd]

That sucks, sorry to hear that. Are you okay at least?
Post some pictures if you have any, that may help people understand the extent of the damage.

Im ok and thank god my 2 yr old son wasnt with me. I will try to post some pics from my phone

[mazdabetty]

i hate when the insurance companies say we will fix it back to original shape. No matter how good the body shop is.....it will never be original!!!!! its only original once.

Meh, not really... I posted this in another thread somewhere before but my car had $8000 worth of damages as well. None of the panels were "banged out" or fixed, I was given all new panels and parts. In fact my car looks 10x better than it did before (I bought it used), everything is in better shape than my original parts, and everything fits perfectly.

True enough about the resale value though that really blows :( But if you're planning on keeping the car for a long time anyway it won't really matter.


anything i can do to help out to get my car written off??
Some bodyshops (like mine) kind of implied "if" I wanted it to be written off... in the end that would have been a bad choice for me financially, but if your car is paid off or you think you can get the same value back for your amount owing you can always have a chat with the shop that has your car...



the guy at the Mazda dealer told me if the repairs exceed 60% or more of the wholesale value of the car.....true? and if thats the case would it be a write off with $8000 damage?
Your car most likely won't be a write off if it's $8000... mine is a 2005, I figured the car was only worth $8000... then again I could be wrong, maybe it depends on what's damaged exactly. My airbag was set off, usually that would be an automatic write off but they said the car was still perfectly drivable..

Sorry to hear about your accident, glad everyone is okay.

[SKYMP3]

A 07 Speed3 worth around 15k-18k

8k damage probably won't have it write off, but if the insurance company offer you that, I would take it and get the money to buy another car. (Depends how much they are giving you too)

BTW, can you post pictures of the damage?

[dirtyd]

BTW, can you post pictures of the damage?[/QUOTE]

I cant post pics

[SonicBoy]

You can host the pics at Photobucket and provide the links here.

Glad you are OK and only the car was damaged.

[zakman]

good thing your son wasnt with you. galde your safe. i have seen alot less damage done but it happene to tweek the frame and it was a write off. i would think this would be especially with two doors and the rear panel that bad.

keep us post.

[gabbygenier]

i had the rear driver door replaced and paint matched in from someone backing into it in dec and the bill for that was just over 2000$. the parts werent what cost a lot. it was the labor. the door was only 400 if i recall all depends on how bad the damage is really and also if the frame is bent.

and like mazdabetty said. if they ask you if you want it written off. it all depends on your financial situation really. is the loan going to be paid with what they give you if you dont own it. if you do, will it be enough for a new speed 3 (assuming thats what youll get again)

[sol_searchin]

Unless the impact didn't shift the frame rails or pillar than it will most likely be fixed. If they quoted 8k in damages than they will for sure fix it, what's your mileage?

[Tokay444]

Talk to the body shop. They'll get it written off for you. Also, you'll most likely get 18,995 plush hst for it. I'm in the know.

[Mazdy]

For an 07 speed3 used still goes atleast 15-18k $$...afaik for a 8k worth of dmg..i dont think they will write it off...im not sure but im pretty sure there more % that they wont.

Btw sorry to hear this...some sh*t just cant prevent from happening..
GL with everything

[Tokay444]

It's up to the bodyshop. If they, meaning you, want to fix it, they fix it. If they(you) don't want to fix it, you'll get paid out.

[dirtyd]

Thanks for all the advice and concerns of my well being.
I will post pick via photobucket tomorrow

[n00bMeiSter]

Thanks for all the advice and concerns of my well being.
I will post pick via photobucket tomorrow

waiting :pop

[MPS]

:ttiwwp

[dirtyd]

:ttiwwp

ok ok ok
here....
http://s1090.photobucket.com/albums/i368/dirtyd091/

[aris]

http://i1090.photobucket.com/albums/i368/dirtyd091/spped3-2.jpg
http://i1090.photobucket.com/albums/i368/dirtyd091/speed3-3.jpg
http://i1090.photobucket.com/albums/i368/dirtyd091/speed3-1.jpg

[dirtyd]

Thanks aris

[sol_searchin]

Doesn't look that bad at all, look's like a standard collision job, full quarter replacement and door. I wonder what's behind that door/quarter that's damaged, I still doubt they will write it off (depending on the mileage also).

[aris]

Thanks aris

NO problem buddy

hope fully everything works out for ya :)

[dirtyd]

Doesn't look that bad at all, look's like a standard collision job, full quarter replacement and door. I wonder what's behind that door/quarter that's damaged, I still doubt they will write it off (depending on the mileage also).

89xxx kms on her and driver door(not in pics) is also damaged, and who knows what suspension or frame twist has been done cuz i did spin around 180 degrees

[MPS]

get them to write it off its worth more dead then alive
you may actually get $21.000 back or more

[MPS]

piece of advice pull that car from the shop where its at
cus i know there going to push for repair to make there money
get it some where to a buddy's place where he can push for total loss
and do this before insurance comes to look @ the car

[n00bMeiSter]

get them to write it off its worth more dead then alive
you may actually get $21.000 back or more

It's a used 07, I can't imagine the insurance company giving him $21,000 for it. It has almost 100,000km.



piece of advice pull that car from the shop where its at
cus i know there going to push for repair to make there money
get it some where to a buddy's place where he can push for total loss
and do this before insurance comes to look @ the car

That's not highly illegal at all.
dirtyd, if you get caught doing this that's insurance fraud, and you could be looking at some serious jail time, plus very hefty fines.

[MPS]

there was a few ppl here that lost there speeds and got more then that with way more KM on there cars

and what is so illegal about pulling your car from a shop that going to push for repair ?
and taking it to a shop that will ask for total loss ?

no one is dining nothing illegal there just asking the shop to work with your insurance and give them a good reason for total loss

next time you want to drop a stupid comment get ready to back it up



It's a used 07, I can't imagine the insurance company giving him $21,000 for it. It has almost 100,000km.




That's not highly illegal at all.
dirtyd, if you get caught doing this that's insurance fraud, and you could be looking at some serious jail time, plus very hefty fines.

[n00bMeiSter]

Sounds more like you were suggesting that he take it to his buddy's house and have his buddy help him damage the car more so that it would look more like a write-off.

It's not a stupid comment, you're just an ass. And it's "THEIR" not "there". It's POSSESSIVE.



there was a few ppl here that lost there speeds and got more then that with way more KM on there cars

and what is so illegal about pulling your car from a shop that going to push for repair ?
and taking it to a shop that will ask for total loss ?

no one is dining nothing illegal there just asking the shop to work with your insurance and give them a good reason for total loss

next time you want to drop a stupid comment get ready to back it up

[MPS]

you do know they take pictures @ CRC
so what ever damage you do to the car will result in you paying up out of pocket
i think i made my point clear

OP you can even talk to the shop owner where the car is now and ask him to push for total loss
also try to be there when insurance looks @ ur car so you don't get shafted

[dirtyd]

I am not at all intended to do anything illegal. I stay away from that as far as possible....

I am just hoping they do write it off, if they want to fix it well I have no choice to get it fix and drive it. I just have to take that lost that my car just depreciated about 5-6 grand and it wasnt my fault cuz who will buy it after I fix it with that much damage on it unless I let it go at a crazy deal.

[MPS]

call up the shop and have them push for loss
you can even call ur insurance and ask the same thing
tell them ur car has no re sale value after this accident

[sol_searchin]

I doubt any shop will push for a total loss, they will push for a repair so they make money.

[MPS]

this is why i recommended moving the car to a more friendlier shop
thats willling to work for there customers



I doubt any shop will push for a total loss, they will push for a repair so they make money.

[Tokay444]

I'm only gonna say this one more time. IT IS UP TO YOU IF YOU WANT THE CAR FIXED OR NOT. You have to be the one to authorize the repairs. I have a long history in the body shop/insurance industry. And nothing is illegal about you choosing where to take YOUR car. No one said anyhting about taking it to someone's house and doing more damage. That comment came out of left field.

[n00bMeiSter]

And nothing is illegal about you choosing where to take YOUR car. No one said anyhting about taking it to someone's house and doing more damage. That comment came out of left field.

Nobody said anything about taking your car to a different shop to be illegal. Looking at that car, you can tell it's not going to be a write-off. And no insurance company is going to write-off the car (for say $16k) if they can have it fixed for $8k. Every single time I've heard someone say "take it to your buddy's house and try and get it written-off", they mean: "go make the damage worse before the insurance company comes to look at the car so they'll write it off." and 100% of the time that's what people have done.
And from the times I've been around MPS at meets, that sounds like exactly the thing he would do. So no, it's not out of left field.

If that's not what MPS is like IRL, then whatever, but that's how he has come off when I've been around him in person.

ANYWAYS. We're not here to debate Vlad's personality/morals/ethics. Move on to the actual topic at hand.

[MPS]

wow


Nobody said anything about taking your car to a different shop to be illegal. Looking at that car, you can tell it's not going to be a write-off. And no insurance company is going to write-off the car (for say $16k) if they can have it fixed for $8k. Every single time I've heard someone say "take it to your buddy's house and try and get it written-off", they mean: "go make the damage worse before the insurance company comes to look at the car so they'll write it off." and 100% of the time that's what people have done.
And from the times I've been around MPS at meets, that sounds like exactly the thing he would do. So no, it's not out of left field.

If that's not what MPS is like IRL, then whatever, but that's how he has come off when I've been around him in person.

ANYWAYS. We're not here to debate Vlad's personality/morals/ethics. Move on to the actual topic at hand.

[Tokay444]

No one said take it to a buddy's house!!! You're making up your own bs and startin to believe it.

[MPS]

you just sent this tread to shits so this will be my last post here



Nobody said anything about taking your car to a different shop to be illegal. Looking at that car, you can tell it's not going to be a write-off. And no insurance company is going to write-off the car (for say $16k) if they can have it fixed for $8k. Every single time I've heard someone say "take it to your buddy's house and try and get it written-off", they mean: "go make the damage worse before the insurance company comes to look at the car so they'll write it off." and 100% of the time that's what people have done.
And from the times I've been around MPS at meets, that sounds like exactly the thing he would do. So no, it's not out of left field.

If that's not what MPS is like IRL, then whatever, but that's how he has come off when I've been around him in person.

ANYWAYS. We're not here to debate Vlad's personality/morals/ethics. Move on to the actual topic at hand.

[n00bMeiSter]

No one said take it to a buddy's house!!! You're making up your own bs and startin to believe it.

Right here:


get it some where to a buddy's place where he can push for total loss
and do this before insurance comes to look @ the car

[Tokay444]

Place referring to a another shop. Halfwit.

[n00bMeiSter]

Place referring to a another shop. Halfwit.

Why are you being hostile and attacking me? It most certainly doesn't say "Take it to another shop" it says "take it to your buddy's".
And in North American english (colloquial), when someone says "take it to your buddy's place" they mean take it to your friends house.

Now enough. This is not conducive to dirtyd's problems.

[Tokay444]

How would taking it to a buddy's house, help him press insurance for total loss? Of course he's not talking about anyone's house.
I'm sorry for being hostile, but you're telling the guy that "that's highly illegal" based on your own interpretation of what was said, which happens to be the farthest thing from what was mean. Before you go spouting off next time and giving people false info, you should fully comprehend the situation. That's all I'm gonna say about this anymore. That and it is the customers choice to have the car repaired or not.

[Thrizzl3]

:pop

no but seriously..calm down people...

[n00bMeiSter]

How would taking it to a buddy's house, help him press insurance for total loss? Of course he's not talking about anyone's house.

He can take it anywhere he wants. The inspector comes to wherever the car is. Like I said earlier, it sounded like Vlad was telling him to take it to his buddy's and have them make the damage a little worse. I had a tow truck driver tell my friend that if they open the doors and hang off them while he has the car hooked up, they would have to write the car off. The driver also told him if he wanted to put the stock rims or crappy steelies on and take his nice rims off, that he would gladly drop the car off at his home, and only charge him to go from home to a mechanic if he wanted to go to a shop. They left the car in his drive way and had the insurance guy come to the house. They did -not- make the damage worse, they only took his wheels off and put crappy rims on.
You don't always have to take a baseball bat to the car to make the damage worse, sometimes just adjusting what's already done is enough to tip the scales. But regardless of what you do it is illegal.

[n00bMeiSter]

:pop

no but seriously..calm down people...

I'm quite calm thanks, I'm actually more puzzled than anything lol.



I'm sorry for being hostile, but you're telling the guy that "that's highly illegal" based on your own interpretation of what was said, which happens to be the farthest thing from what was mean. Before you go spouting off next time and giving people false info, you should fully comprehend the situation. That's all I'm gonna say about this anymore. That and it is the customers choice to have the car repaired or not.

Dude, misinterpretations happen all the time, it doesn't mean the person is a moron. And that's what conversation is, interpreting what one person says and responding to that.
I didn't give anyone false info. Insurance Fraud is illegal!

/END.


dirtyd:
Do you want the car written off?

[Tokay444]

Insurance fraud is illegal, but telling the op, that what mps was telling him, is illegal, IS false.

[SpeedBaby]

to the OP:
to summarize everything outlined above - you have the following choices at hand:
-call your insurance and tell them that due to the tremendous loss of value resulting from the extensive accident you would prefer to have the car written off. you can also mention that you don't feel comfortable with the shop 'pushing' for repair against your will and are afraid that they might over-inflate the bill (that should be a good argument for the adjuster).
-you can take the car to a different shop or even dealer just for the sake of a piece of mind that your insurance isn't paying for someone's (shop owners/tow truck driver's) march break vacations while you will end up with a repaired car that's worth half of what it was yesterday.


now to the n00b:
i just read the thread and there was nothing in it to provoke your agitation. not once had anyone suggested to do anything illegal (except for you, actually) which leads me to believe that you are more prone to looking for this type of problem resolutions yourself while being extremely insecure about it. just take it easy, no-one had anything against you before you started expressing your overwhelming thoughts.

[SKYMP3]

knowing it is one thing, posting it in public in one thing and shouldne be allow to do so. A moderator should remove those "advice"

[n00bMeiSter]

now to the n00b:
i just read the thread and there was nothing in it to provoke your agitation. not once had anyone suggested to do anything illegal (except for you, actually) which leads me to believe that you are more prone to looking for this type of problem resolutions yourself while being extremely insecure about it. just take it easy, no-one had anything against you before you started expressing your overwhelming thoughts.

Tamara Dear,

I did not get agitated by anything or anyone. I don't go looking for illegal solutions to problems. As you can see, I'm trying to help someone from taking that sort of path. I grew up with a lot of bad people, and I work for a company that deals with community housing projects and the — let's call them — very poorly behaved tenants that live there. I've seen and heard of all sorts of illegal things. So don't try and twist my words. Vlad's posts were not very well written, and could easily be misinterpreted.




knowing it is one thing, posting it in public in one thing and shouldne be allow to do so. A moderator should remove those "advice"

No one has posted telling him to do illegal things. We have all posted quite the contrary advice.

[Tokay444]

So you're a product of your environment. Now onto ACTUALLY helping the op.

[n00bMeiSter]

So you're a product of your environment. Now onto ACTUALLY helping the op.

That doesn't even make sense. You're completely demented. I'm not sitting here condoning illegal actions or telling people to do illegal things. You're just making stuff up now. You're some sort of drama queen. I don't know what the heck your problem is, but if you have an issue with me, take it to pm. We've established it was a misunderstanding, and you continue to sit here and try to start some sort of message board fight.

Vlad: I'm sorry you're soo upset with what I said, I misunderstood what you said. I'm sorry if I've upset you.
Tamara: I have no qualms with you hun, I'm sorry if you think I'm calling Vlad a criminal. That's not what I meant.
Tokay: I don't know what the heck your issue is. So I've nothing further to say to you.

Anything either of you have to say to me can be sent via PM.

I was simply trying to help the OP from taking te wrong path. Clealry I should not do that.
Any responses to me in this thread will go unread and unanswered. I'm done with you two and I'm done with this thread.

OP I wish you all the best in this, and hope you get the outcome you are looking for. Glad to hear you were not hurt in the collision.
Peace.

[bman13]

OP, you've been given some good advice in and around this argument...hope it works out and give us an update if you take it to a different shop, etc.

[laksman91]

Tamara: I have no qualms with you hun, I'm sorry if you think I'm calling Vlad a criminal. That's not what I meant.




And from the times I've been around MPS at meets, that sounds like exactly the thing he would do. So no, it's not out of left field.


Make up your mind buddy.

[Zoom Zoom Boy]

Guys and Gals,

Please get back on topic and just address the OP's concerns. No more beating this interpretive dead horse, or the Mod Nazi pictured will close this down. :mod power smiley

Thanks.


And to add some levity. This is for Vlad. :)
http://www.youtube.com/watch?v=TWucYbAp8Lk

[fywdyl]

I think it also depends on the insurance company whether they will count that as a write-off or not. Do you have some sort of depreciation protector or whatever? If you do, then it'll be more advantageous to get a write-off. If not, you may be better off getting the car repaired, esp if you have an outstanding balance on it.

Also, you can try to get your deductible waived since you're not at fault.

[dirtyd]

ummmmmm...I think I opened a whole can of worms here. everyone needs to stop arguing and chill out. no one here is doing anything illegal and like I said in previous post, I stay far away from anything illegal as possible. I was just wondering (by the look of the car in the pics and if anyone had the same accident) if their insurance company wrote their car off or fixed it. Now if the insurance company gives me an option if I want my car writen off or fixed well I would have to be an idiot not to take the write off as if took the fix and try to sell the car after, I would take a big hit with that damages on the carfax. BUT IT IS TOTALLY UP TO THE INSURANCE COMPANY WHAT THEY ARE GONNA DO.

Now everyone go outside and PLAY NICE!!!! I will call you in for dinner.
and remember...... sharing is caring!

[Tokay444]

it's NOT totally up to the insurance company. you have to be the one to authorize the body shop to repair the car.
i thought i wasn't going to say it again...
oh well.

[dirtyd]

it's NOT totally up to the insurance company. you have to be the one to authorize the body shop to repair the car.
i thought i wasn't going to say it again...
oh well.

sooooooo im still not getting it.....?????....j.k. ......WINNING!!!!!!

[Tokay444]

Lawl

[sol_searchin]

This is not up to the OP to authorize whether it is a total loss or fixable it's the adjuster's choice, the OP has the ability to take it to whatever shop he wishes to get the repairs done at.

[Tokay444]

Incorrect. The customer has the final say. Actually the body shop has the final say, but they should be the ones to ask the customer what they want. The adjuster simply oversees the file, and the appraiser prepares an estimate of damages.

[Noisy Crow]

Incorrect. The customer has the final say. Actually the body shop has the final say, but they should be the ones to ask the customer what they want. The adjuster simply oversees the file, and the appraiser prepares an estimate of damages.

Can you please provide where it says that in the Ontario insurance act? Insurance companies are in the business of making money.... so if the cost to repair the vehicle is less than the cost to write it off, there is no way they are going to write it off.

[Tokay444]

How many years have you worked in the insurance/body shop industry? How many cars have you written off? I can all but guarantee my number is higher for both.

[sol_searchin]

I worked in the collision department of kieswetter Mazda, your talking a lot of shit. Car come's in, service manager does an inspection with the tech, they put together an estimate, they provide the estimate to the adjuster, Adjuster decides if it will be repaired or a total loss (depending on the value of the car keeping in mind km/year etc). Customer's ONLY say is if he/she prefer's to have it done at that shop or another shop, not if they want it written off or not you tool.

-10 year's experience auto body tech

[iGOzoom]

:pop the hatred in this thread is some serious LOLs. But your right, insurance does have the say if it is declared a write off or if a repair will be made.

[RTEnthusiast]

Right here:

Dude he clearly meant to store the car somewhere safe while he negotiated with insurance for total loss. ;)

[RTEnthusiast]

I just realized this is in the Speed3 forum. That's a Speed?!

[Tokay444]

Your an idiot seriously, hang yourself you'll do human kind a favour, you must be really dense or plain stupid. It mean's the body shop is giving an honest estimate to the adjuster to fix the car retard, they can't write a car off if the car is worth 15k!!!and the damages are only 8k! no where will that happen it's clear common sense but I guess some people are lacking in the brain department. What is your shop's name? I'm very curious

The last car I wrote off was a 27000 dollar payout. Total estimates damages were $6000. I guess it's all who you know.
OP, send me a pm. I'll tell you where to take it to get it written off with nothing illegal done at all. Why am I the only one trying to help this poor guy? He's just been in an accident for crying out loud.

[Zoom Zoom Boy]

Thread now cleaned-up and locked.