Crashed my ST3 :( y’all think it will be totaled?
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I was told that totalling a car likely takes place if the airbags deploy, or the damage approaches 75% of the cars value. If that's true, and your car is worth $15k, the damage would need to be in the $11000 range or beyond for an insurance company to total the car.
Your insurance company has an estimator who will determine the approximate cost to repair. If they total it, you'll receive an offer for the car (NEVER accept the first offer. They'll turn around and make you a better one). You may be able to buy the car back at some negotiated rate, and use the payout to repair it the way you see fit.
Sorry this happened. What type of tires were you running?
Your insurance company has an estimator who will determine the approximate cost to repair. If they total it, you'll receive an offer for the car (NEVER accept the first offer. They'll turn around and make you a better one). You may be able to buy the car back at some negotiated rate, and use the payout to repair it the way you see fit.
Sorry this happened. What type of tires were you running?
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Not good ones some performance ones
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Hit a car lol I dunno maybe it rubbed the wheel
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125k
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Also do they go off of private party value or what for totals
2017 OW ST1 ? aftermarket FMIC, Thermal R&D DP & Exhaust, Sync3, and full leather Recaros front/back
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Man not an OW! Dude I'm sorry for your pain. These days with cost of parts and delays moving up prices, I lost an old but faithful ride for some scratches to a fender leading into the side doors. Albeit the car was worth nothing but the other party ins. paid handsomely. So I got my OW FoST. I hope you can get repaired, the car is to fun to lose. Best wishes...
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Yup
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Performance tires in the winter? Good idea…. You need winter tires for winter time…. Insurance shouldn’t need to cover a loss when it wasn’t a accident like this.
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Bro respectfully stfu. They were the tires that came on the car when I bought it months ago. Never had an issue with them. I don’t think winter tires would stop the accident. The angle of the turn and amount of snow coming down made it impossible to stop.
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100%, summer tires should NEVER be driven in cold/snowy conditions, regardless of what caused your accident. Summer tires become hard and slick like a hockey puck when it's cold, and actually start falling apart with little micro-cracks.
Get a dedicated winter setup or a good all-season tire if you're in the snow belt.
And like others have said, it's going to be really close to being totalled. You won't find your answer unless somebody is an insurance adjuster / estimator familiar with your local prices.
Make sure your insurance adjuster understands that you would like to repair if possible - they might initially assume "Focus = cheap" and will want to send it to a salvage yard. You want the next step to be an estimate from one of their network body shops. From there your insurance adjuster will run the actual numbers to determine if repair or salvage - good luck!
Get a dedicated winter setup or a good all-season tire if you're in the snow belt.
And like others have said, it's going to be really close to being totalled. You won't find your answer unless somebody is an insurance adjuster / estimator familiar with your local prices.
Make sure your insurance adjuster understands that you would like to repair if possible - they might initially assume "Focus = cheap" and will want to send it to a salvage yard. You want the next step to be an estimate from one of their network body shops. From there your insurance adjuster will run the actual numbers to determine if repair or salvage - good luck!
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I work as a total loss adjuster for a large insurance company so this is right up my alley. How we determine if a car is totaled is... We take the ACV and subtract the salvage value from it. If the cost to repair is more than that value, the vehicle will total via insurance. The ACV for a 2013 with 135k on it would be around 11k- 12k if I had to guess. Subtract 30% of that (salvage value 12k x .3 = 3600) 12k-3600 = 8400. If that cost to repair exceeds 8400, the vehicle will total. Looks like it needs both fenders, headlight, and repair to the hood. Cant tell if the frt bumper needs replacement or not, cant tell if the radiator support or side rails need replacement neither. If its just the fenders, headlight, and hood... It probably wont total. If it needs a core support or rails or really any inner structure part, it will probably total.
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I work in GA and state laws vary but how the process should go is... After you report the accident, your claim owner will ask you to record a statement and upload pics to the claim. Based off the interview and pictures, the claim owner will punch the info in and it will give the claim owner an idea of if it's repairable or not. Sometimes, the claim owner will just send your car to a shop and have an adjuster come out and take a look at it. A lot of shops are at capacity right now so sometimes the claim owner will send the vehicle to a salvage yard so it doesnt incur a storage fee. An adjuster gets sent to the salvage yard to inspect it if thats the case. Just depends on your insurance company, the capacity of service shops in your area, etc. You have a little more leverage if you get it towed to your house after the accident. If it gets towed to a wrecker service yard, it will incur storage fees
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Depends on the title history. Is it a salvage or not? If not, i'd say 11k-12k. There's a big difference between the ACV opposed to what dealers/ private party sell the car for. ACV does not account for mark up/ tax
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