Ford Focus ST Forum banner

21 - 40 of 55 Posts

·
Registered
Joined
·
38 Posts
Discussion Starter · #22 ·
I have been logging into my insurance company portal several times a day. The status got updated to "REPAIR", I was shocked. Then I uploaded the estimate which had one line only.
"OBVIOUS TOTAL LOSS".
I expected it, but seeing it in print was kind of hard. Now I get to wait several days while they determine the condition. If they come up with anything other than perfect, there will be a fight. The only blemish the car had was a smudge on the center bezel from a phone holder. I replaced that bezel with a brand new one, It was really a flawless car. If someone needs a perfect ST1 interior, fender, door, wheels, basically anything other than engine, front bumper, hood and windshield a great organ donor is coming to a yard near you. I wish I could have grabbed my aftermarket speakers out of all the doors. Also, I think the CPE intercooler was safely below the damage. Car deserved a better life, but I appreciate it keeping us safe.
 

·
Registered
Joined
·
176 Posts
glad you’re okay, but question how’d the knee airbags feel? Weird question I’m sure but that was always something I imagined going off and snapping my knees lol
 

·
Registered
Joined
·
1,325 Posts
I go out of my way to keep my car clean- because I get a lot of enjoyment out of maintaining it, and enjoyment from using it- so I feel your pain losing something that you worked so hard to keep nice. Do you think you will buy it back and repair it, or let it go and start over? If you buy it back and repair- you will find a ton of help and support in these very pages. If you are going to look for another ST- I (and likely others) will keep an eye out for something low mileage and in great condition and will report back. I hear there's a low mileage Magnetic car in Southern California that just recently became available (LOL).

For those with experience with this sort of thing- is there any way to be able to take aftermarket parts off of the car after an incident like this one? There are several things I'd want off of mine, and I'd need an hour or so with the car to retrieve them.
 

·
Super Moderator
Joined
·
9,548 Posts
I go out of my way to keep my car clean- because I get a lot of enjoyment out of maintaining it, and enjoyment from using it- so I feel your pain losing something that you worked so hard to keep nice. Do you think you will buy it back and repair it, or let it go and start over? If you buy it back and repair- you will find a ton of help and support in these very pages. If you are going to look for another ST- I (and likely others) will keep an eye out for something low mileage and in great condition and will report back. I hear there's a low mileage Magnetic car in Southern California that just recently became available (LOL).

For those with experience with this sort of thing- is there any way to be able to take aftermarket parts off of the car after an incident like this one? There are several things I'd want off of mine, and I'd need an hour or so with the car to retrieve them.
To get your parts back you have to get them prior to the insurance company getting ahold of it, or buy it back. At least that has been my experience.
 

·
Registered
Joined
·
233 Posts
Oh, man. I feel your pain to an extent. About a year ago I hit one at 55mph, destroyed the whole front fascia and the hood and bent the radiator but no airbags went off and the pillars were ok. $5500+ of insurance repairs, plus an $800 deductible, and I got it back and it drives like new since nothing mechanical was damaged and it didn't even stall in the collision.
I hate those critters and I'll always remember a quote I read from another deer victim: "Give the Orkin man an Uzi and let God sort them out."
 

·
Registered
2016 ST2, Absolute Black, Turbosmart BPV, PCV-OCC, Innovative RMM, JBR SS Arm, 245/40R18
Joined
·
1,177 Posts
Forget driver assist crap, we need deer killing systems on cars. It can send a text to the local food bank to come pick it up for processing, and to Waze there is now a traffic backup hazard.

Urban hunting with bow and arrow. Longer hunting season with higher limits.
 

·
Registered
Joined
·
422 Posts
One time when my kids were little, I was driving a Chrysler Minivan about 70+ mph in the dark coming back from a mall shopping trip on I-435. Suddenly in the headlights was a dead deer. Must have been 4 to 6 inches thicker than the minivan's ground clearance. No time to swerve. Van bucked up in the air. About a mile or so further down the road was the car ..stopped that had killed that deer. When we pulled into our garage......deer steaks were sizzling and falling off the exhaust system. Every nook and cranny under the minivan was stuffed with meat. Somehow there was even blood on the roof? I immediately took it to a car wash....But that vehicle stunk for months!
 

·
Super Moderator
Joined
·
9,548 Posts
One time when my kids were little, I was driving a Chrysler Minivan about 70+ mph in the dark coming back from a mall shopping trip on I-435. Suddenly in the headlights was a dead deer. Must have been 4 to 6 inches thicker than the minivan's ground clearance. No time to swerve. Van bucked up in the air. About a mile or so further down the road was the car ..stopped that had killed that deer. When we pulled into our garage......deer steaks were sizzling and falling off the exhaust system. Every nook and cranny under the minivan was stuffed with meat. Somehow there was even blood on the roof? I immediately took it to a car wash....But that vehicle stunk for months!
Damn stilt rats stinking up everything! From mid November through December the roads here in Kansas are littered with them...
 
  • Like
Reactions: Skykri

·
Registered
Joined
·
38 Posts
Discussion Starter · #31 · (Edited)
Warning, long brain dump of information below.

The area of the accident is a rural area between Columbus and Cleveland that is known for deer hunting. I think people feed them to make them easy large prey come hunting season. I counted 12 dead deer (fresh at that) along a 20 mile stretch on my way home the next day.



I am learning a bunch I never knew in this journey. I have never totaled a car, never really dealt with insurance. I have been very fortunate in my 30+ years of driving.
Some lessons so far....


It happened fast. I was in the center lane of a 6 lane divided. Traffic was moderate to heavy. I had passed a car on my right. There was a vehicle ahead of me a ways in the far left lane. I glanced at my right mirror to assure I could move back into the far right lane. When I turned my eyes back forward before I changed lanes, the deer in the center median became visible, as the car ahead of me in the left lane had just passed it. The deer was HAULING ASS through the median. It was as if he was timing it to cross right after the car in the left lane passed him. At this point I knew we were on a direct collision course. I had time to yell "SH#%!" and move my right foot towards the brake. I did not swerve. I honestly do not know if that is from being told that so many times by a good friend who had a State Trooper dad, or if I had no time to process or what. Swerving right was no option. Going left would have been towards him, which might have helped but seemed counterintuitive. All this was processed in maybe a second. I recall thinking "the animal has to stop or speed up" and never finished that thought. Last thing I saw was the deer filled the windshield view and then BAM, loud noise, Hood into windshield, no forward visibility, lots of bad engine noise, alarm in car going off, and a horrible smell of something burning. It was just like an in car NASCAR camera shot of a wreck, except the smell, the pain, and the sadness.

I knew the car was hurt really badly obviously. My wife screamed as it happened and as I was finding my way to the right berm using the side mirror and looking out the side window she yelled reassuringly "we're OK, we're OK...” I told her "I am not". Both knees, especially the left knee, hurt. Worse though I was afraid to look down, as my midsection was hurting really bad and I could not breath. I was afraid something was seriously hurt. Once off the road I hit the seatbelt release and it sprang open with major force. I had no idea that the seatbelts now tighten as soon as impact is sensed, and they tighten a BUNCH! I see now why the main airbags do not go off if you do not stop. The seat belts handle lower G impacts, especially if the car is still moving after impact, allowing you forward visibility (assuming the hood is not slammed against the windshield).

Regarding knee airbags… I do not recall feeling them hitting me or even knowing they deployed until later when I looked down. My left knee had major redness and some bruising. Was it from the airbag? Did the airbag cushion what would have been much worse? No real way of knowing. I also changed from shorts to jeans just before we left, as it was cooler than I expected (after washing the car before the trip, not knowing it would be our last time). Would it have been worse in shorts? Lacerations possible from deployment? I have no idea. Bottom line to have nothing more than a bruised knee and some bruising across my waist after that hit I am very thankful I was in this car. It protected us well. I also own a pair of 72 Mustangs. They are lap belt only. The outcome would have been far different. I am not making any decisions right away, but I certainly am thinking about the safety of those cars now. I never paid any mind to that stuff before. I have watched this video a couple times now. From an engineering standpoint the advances in safety are hard to ignore.

Back to the sequence of events...
We got out of the car; I looked at it, saw oil running out of valence and saw the streak from the path. Wow not good. We called 911 for an accident report, I called my insurance agent, (not open Sunday) and went into automated voice hell while my wife called AAA. AAA is a joke for towing and accident stuff. Not sure why we have it, and I may cancel, but that is another story.

We were 90 minutes from home, so we had it towed to the wreckers impound lot, half a mile away. On the way to the lot, my wife asked the tow truck driver if I am allowed to take the wheels and speakers (she was processing ahead of me by days at this point) and he said "No". Now that is not really true. The car is still mine, and I could have done a few thigs I am sure. If I were closer perhaps I would have swapped the snowflakes out and put my steelies/fairly used Blizzacs on. I love the snowflakes, owning classic cars and having had to track down factory stuff people removed has made me a big fan of cool OEM parts, and I think the dark silver metallic snowflakes look great, but I digress... I also would have loved to pull my Infinity speakers and modded mounting brackets out of the doors. Same for the CPE intercooler, but I am not sure if it was damaged or not. I assumed I could not take anything, and I was far from home with no tools.

The insurance company told me the next day that it is likely a total, and to get my stuff out of it then 'SIGN A RELASE FOR THE CAR". I do not know, but I could have likely done some of the work mentioned before signing the release, or had it towed to my place and done whatever. I wanted the process moved along, and wanted to get home so I signed the release. When I went, I asked to go back and grab my plate. I had a borrowed screwdriver as my only took. I grabbed the plate, the rear cargo cover with good stringy clip things, my rubber Ford Focus floor mats, and popped my Steeda clutch assist spring out while I was pretending to have trouble getting the drivers floor mat out and rolled it onto the floor mat like a spring burrito. I grabbed the small detached section of center of the front bumper with the Ford oval on it, (still has Deer hair all around the logo) and the broken engine cover with the ST logo. The lot guy was busy taking pictures of other cars then. He came back and made his "what so special about this car remark" as I was damn near in tears so I decided it was best to leave before something happened.

It took five days for the insurance company to declare it totaled. May take a week for them to get me an offer. I have found two candidates for replacement. One is another 2018, ST1, same color, with 1000 less miles than my car. It is an identical twin. Question is will the insurance company offer enough to buy that car without me going deep into my own pockets. We shall see. I am guessing if I had swapped wheels the offer from them would be less, not sure but it makes sense. They say they need to inspect the car and assess the condition pre-accident, mileage, mechanical condition, upkeep, interior condition, etc. Another question is what about the Mishimoto oil cooler, CPE intercooler, catch can, speakers. Do they factor in? Who knows? I will keep you updated.
 

·
Premium Member
2018 Ford Focus ST1
Joined
·
1,227 Posts
I've heard that insurance should help with aftermarket parts on the car, but you may need to produce receipts or proof of purchase...

Sure hope you can find another light blue metallic ST to purchase. Good luck, and glad you and your wife are ok physically after that hit.
 

·
Super Moderator
2014 ST3. Garrett Powermax turbo, Thermal Turboback, CPE intercooler, JBR intake, Innovative RMM
Joined
·
3,507 Posts
I'm Familiar with the stretch of 71 this happened on, and my take on the deer issue is they're all corn-fed monsters, but not fed directly by humans. It's all cornfields in that stretch and they are gluttons for the crop growing in those fields.

Sad to hear about the car. I hope you can buy another quickly and be back in the game!
 

·
Premium Member
Joined
·
1,037 Posts
If state farm in Ohio is anything like in VA they'll work with you. When I hit my deer, they paid to replace the velossatech with the newest version out there and I paid the difference between the depo FMIC and the OEM and I got a FMIC upgrade.
Also paid for one of my diode dynamics fog lights which were damaged in the collision.
I just had to provide them receipts from when I bought the snorkel and other stuff.
Hopefully you can get it worked out with them. I was impressed with their service.
The body shop on the other hand......

Still glad you're both OK, good to see you're considering another ST.
 

·
Registered
Joined
·
38 Posts
Discussion Starter · #36 ·
Got a call from insurance today. I sent them a pdf file outlining the upgrade don the car worth about $1,600 (Intercooler, oil cooler, catch can). I also listed the two comparable cars I found.
They said they got the document, and that the aftermarket items were "preference items" that would not increase the value. Fair enough. They said the number they came up with based on my car being in very good well maintained condition was $20.4K, but that if I disagreed I could speak to a "Specialist". I said I disagreed. The Specialist came on the line and we talked about the car for a bit. He understood the reasoning for the aftermarket equipment but did not feel that could be considered in the value of the car. I was pleasant, and said fine, but can you find me a low mileage ST1 for $20.4 today? Maybe 3 months ago, but not now. He looked up the NADA value, and agreed that based on the condition of my car the NADA would be $24.9K. They will also add sales tax and state fees to that value (minus my deductable, which is much lower on comprehensive than it is on collision, and fun fact deer strikes are comprehensive not collision). Glad I did not take the first offer, I am guessing many do. So main take away, if they are not fair do not accept.
Now to decide what to do. I am looking into an S2T an hour away.
 

·
Registered
Joined
·
1,325 Posts
Nice job!!! A close friend of mine who is an insurance claims adjuster for State Farm told me long ago that they are trained to come up with two numbers- a low number and a fair number. Never accept the first (low) offer, and they already have the fair number calculated and ready to process.
 

·
Premium Member
2018 Ford Focus ST1
Joined
·
1,227 Posts
Great job on negotiating to get a more fair amount for your vehicle. Is the ST2 an hour away from you the same color? Similar miles? Any mods to it?

Details, man!!!!
 
  • Like
Reactions: Smokin' Joe

·
Registered
Joined
·
38 Posts
Discussion Starter · #39 ·
Trying to get those same details from the seller before I head down. Same color, one owner, clean looking ST2. 29,000 miles. I would be trading more miles for upgraded interior package and a sunroof. If it is clean and stock with no obvious mod history I will be an interested buyer.
 
21 - 40 of 55 Posts
Top