Z Totaled yesterday - Pics inside - Please advise! :(

mspaun3

Not really sure how to categorize the jolt, but I only had a sore nose from the airbag. The Z def did it's job in protecting me.

Methodical4u

It just looks like it would have been a really concussive hit... but only a sore nose is a pretty good deal

TheGreatOne

One heck of a Hydroplane...sorry for the loss, glad you're ok

With that much damage I don't think I'd want it back and pray for a write off. Z held up nicely for the inside contents, thats what matters

__________________
2017 SUBARU STI
2008 E60 M5 - SOLD
2010 40th Anniversary 370Z - SOLD (and missing her)

brakedrift12

damn... thats real sad. glad you are Okay.

mspaun3

Update:

Talked with the adjuster from Geico today. He said there is a little over $21k in damages, including damage to the frame and engine cradle. They are waiting on the appraisal from CCC. He said that the total loss ratio in this case will be 70%, so by my math, if it is appraised at ~$30.5k or less, it will be considered a total loss.

KBB values the car at $33,765 and Edmunds has it at $30,300.

The adjuster is supposed to get the appraisal from CCC tomorrow or Friday, so I should be finding out the verdict soon. If he says it is totaled but comes in with a low appraisal, I think the best thing would be to send him links to comparable cars for sale in the area and their prices? Does anyone have any experience with disputing/negotiating a low appraisal from CCC/the adjuster?

sonic370

If it was me i would fight hard for a complete total. If there is bad frame damage imho the car will never be the same...............

and don't forget about filling a diminished value claim. good luck

Nismo_Q

Once the frame is bent, legally they will have to salvage it. That was the case for my 08 Nismo, damage wasn't as bad as yours and airbags didn't deploy.

2011 Nismo#91

That is probably a state thing, because from the accidents my family and friends have been in the past, bent frames haven't always resulted in a totaling of the car.

From my experience if the initial estimate (from the body shop) is less then 70-90% of the present value of the car (what they'd have to pay you to total it) then they will go for the repair.

Most insurers total at around 80% but not all. My barber bought a brand new bmw m3 a few years back with in a week a drunk driver rear ended him at ~50mph when he was stopped at a red, was about $38-39k of damage insurance wouldn't total it because they would have to pay him out some additional 8k or so.

Anyway sorry for your car and we're glad you're alright. Best of luck

Red__Zed

You sure on that?

KillerBee370

A "total loss" is only going to be determined by a qualified repair shop. And even then you might have to push that with your insurance company who will no doubt try to convince you otherwise.

How is a cop or any of us going to figure that out from a few pics?

mspaun3

I understand.

I was simply asking for opinions/guesses based on the pictures alone, and in some cases, people's own experiences. Wasn't expecting a definitive answer.

Freakazoid

just had my 5.0 totaled with less $$$ damage than they quoted you for your repairs. (and not nearly as a bad area, all rear).

Your % for salvage is determined by your state. sounds like yours is 70% if that's what your adjustor said.
Second you need to call your adjuster and tell him you want it declared a total loss. IF YOU DO NOT DO THIS YOU STAND A STRONG CHANCE OF NOT GETTING IT TOTALED.
The way it works for the adjuster when it's right on that fence is that they realize they'll have to continue going back, authorizing more repairs, etc etc. If you simply request it, I can just about guarantee you'll get the total.

I spent a crap load of time researching this with my car, let me know if you have questions

mspaun3

Thanks, Freak. I spoke with him yesterday on the phone and emphasized that I wanted it to be totaled. I cited future safety as a concern. He said that he agreed that it will probably be totaled, but he was just waiting on the appraisal from CCC. I am supposed to hear their appraisal number tomorrow morning, so I will post that as soon as I know. Hopefully it is fair.

JARblue

I got a 2011 w/ sport pkg for $32K about four months ago and would be surprised to see an appraisal for it higher than $30K with the 5K miles it already has on it. Don't new cars lose like 10% of their value as soon as you drive them off the lot? The dealership offered me 2011 touring/sport/nav for just over $35K, so a 2009 with 30K miles should definitely be at $30K or less IMO. Best of luck man.

Freakazoid

The harder you stress it the better, and be nice. My damage was less than 60% of the worth of my car, and in PA it has to be 80% if i recall correctly. but they still totaled it with the frame damage. Again citing more repairs down the road, etc etc.

But ya, be nice