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Old 12-17-2012, 08:06 AM   #26
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ACV (Actual cash value) less the estimated salvage value determines the threshold for a total loss.
In this case the salvage may bring 50% of the ACV.
This is the approxamate dollar amount the ins appraiser will need to total this car.
If he's smart he will reach that figure.
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Old 12-17-2012, 09:17 AM   #27
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Damage to the A pillar = totaled
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Old 12-17-2012, 09:22 AM   #28
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If it isn't a total i'd push for it to be. That pillar will result in a Frankenstein job. Sucks OP. where was this at? I'm in Tampa area too.
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Old 12-17-2012, 09:26 AM   #29
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If it isn't a total i'd push for it to be. That pillar will result in a Frankenstein job. Sucks OP. where was this at? I'm in Tampa area too.
i agree. you have frame damage. tell them to cut you a check and pick another one off the lot!
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Old 12-17-2012, 09:27 AM   #30
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Ouch... that had to hurt!! Hope you both are OK
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Old 12-17-2012, 09:31 AM   #31
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Except for the a-pillar the damage doesnt look to bad. The fender was simply peeled off, structure underneath looks pretty good.
RF fender, hood and bumper cover is all you need. Then there's that pesky a-pillar.
Put me down in the minority, I think it is repairable.
If the insurance totals it, that car will live again as a rebuilt salvage title.
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Old 12-17-2012, 09:33 AM   #32
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I wrecked a car where the A-pillar took a hit like that and the car got totaled without the airbags deploying. The car was only two years old with less than 11,000 miles on it. I would be amazed if it got repaired, but you never know. I also had a head on, on a one and half year old car with under 8,000 miles on it, that took $24,000 to repair when it was all said and done, and the jackasses repaired it. I didn't see that car for over three months.
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Old 12-17-2012, 09:35 AM   #33
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Airbags blowing dont necessarily anymore lead to a total loss. That used to be the case, but not so much anymore since they are MUCH cheaper.

I had FAR less damage(at least to the eye) to a 3 month old Subaru WRX STI and it was totalled. 17k in damage(t boned into A pillar)+150 days of rental car($4500)+possible transmission issues($7000 for a new trans installed at Subaru) since one wheel locked while the other 3 turned. Sticker on that car was around 37k. The adjuster in that case said when it gets close monetarily that its a judgement call. Also dont forget to bring up diminished value in the overall equation.
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Old 12-17-2012, 09:42 AM   #34
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OP - be wary of bravado talk. Read posts 26 and 27 - that is how it works. That A pillar is repairable. But the big question is how much will the total repair cost be. Just judging on the photos - I think it would be close to a total loss and you should work with the insurance adjuster with that in mind. IMHO I wouldn't want the car back and would approach it that way.

Remember start the conversation in a civil but firm way. Don't draw lines in the sand right up front. Stay firm but don't loss your cool. Why am I saying this. I handled thousands of wrecked cars as an adjsuter. I always appreciated working with car owners who were polite but firm and worked a little harder to help if there was a gray area or a little wiggle room that would help. I didn't feel quite that way for the blow hards who thought they knew my job better than me and jumped on me as I got out of my car telling me what I was going to do. Most of my peers were the same way. Just my 2 cent FWIIW.
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Old 12-17-2012, 09:47 AM   #35
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The damage to the A-pillar tells me it will probably be totaled. I don't think an insurance company would want to risk that one. Pretty crazy damage you have there. Glad you both made it out alive.
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Old 12-17-2012, 09:54 AM   #36
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Totalled, start picking out a new one.
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Old 12-17-2012, 10:38 AM   #37
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Just put a ZL1 front bumper on and you will be good to go....
I LOL'd a bit as that seems to be the answer here when anyone gets front end damage.

To the OP. Car looks totaled. Glad you are OK and I hope the recovery is short.

What insurance did the bus have?
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Old 12-17-2012, 11:29 AM   #38
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Totaled... Never a good sign when there is structure damage plus air bag deployment

Hope you feel better and this doesn't affect you down the road!
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Old 12-17-2012, 11:32 AM   #39
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general rule of thumb is air bag deployed or more than 60% of the value in repair costs

though some insurance companies may be lower or higher than 60%, depending on the company, but 60% is a general guideline
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Old 12-17-2012, 11:42 AM   #40
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Quote:
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OP - be wary of bravado talk. Read posts 26 and 27 - that is how it works. That A pillar is repairable. But the big question is how much will the total repair cost be. Just judging on the photos - I think it would be close to a total loss and you should work with the insurance adjuster with that in mind. IMHO I wouldn't want the car back and would approach it that way.

Remember start the conversation in a civil but firm way. Don't draw lines in the sand right up front. Stay firm but don't loss your cool. Why am I saying this. I handled thousands of wrecked cars as an adjsuter. I always appreciated working with car owners who were polite but firm and worked a little harder to help if there was a gray area or a little wiggle room that would help. I didn't feel quite that way for the blow hards who thought they knew my job better than me and jumped on me as I got out of my car telling me what I was going to do. Most of my peers were the same way. Just my 2 cent FWIIW.
Your correct but usually these cars with extensive damage are at body shops. Some shops are great to work with re constructive total losses but many are just pushing to repairing, not totalling cars.
As an adjuster also, I can tell you nightmare stories of the "difficult" shops who will push for repairing
these cars regardless of the extent of the damage. I agree that wherever the car is located, It's
important to let your insurance co &/or adjuster know what YOU would like to do.
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Old 12-17-2012, 12:31 PM   #41
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Quote:
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I LOL'd a bit as that seems to be the answer here when anyone gets front end damage.

To the OP. Car looks totaled. Glad you are OK and I hope the recovery is short.

What insurance did the bus have?
The school Bus was self insured.
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Old 12-17-2012, 12:32 PM   #42
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Quote:
Originally Posted by myold88 View Post
Your correct but usually these cars with extensive damage are at body shops. Some shops are great to work with re constructive total losses but many are just pushing to repairing, not totalling cars.
As an adjuster also, I can tell you nightmare stories of the "difficult" shops who will push for repairing
these cars regardless of the extent of the damage. I agree that wherever the car is located, It's
important to let your insurance co &/or adjuster know what YOU would like to do.
Fair enough. Like we all tend to do - I was speaking from my perspective and frame of reference.

I wrote my own estimates. I did not rely on what body shops had to say. If my estimate took it to a total loss level or close to it then I pulled the trigger and totaled the car. If I felt it was repairable and the right thing to do then I first sold that position to the owner and then had the car moved to the shop of the owner's choice and then negotiated with the shop on an as need basis.

Sorry OP to clog up your post with extra details about the clains adjusting process. But hopefully you find it helpful to have some extra knowledge. The best of luck to you. I can only imagine how bad I would feel if my pride and joy looked like yours. :( Good luck and I wish all to turn out right for you.
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Old 12-17-2012, 12:42 PM   #43
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As a field damage appraiser doing auto only claims, the car may look totalled, but that is not always the case. SSDAN is correct in what he is saying, be calm, talk it over with the bus company's insurance company and see how things progress. You might be surprised on the outcome. Now, saying airbag deployment means it's a total loss, that is not true. The laws from state to state vary and most will take the amount of the airbags out of the $ equation when coming up with final numbers. Also the percentage of value varies. Here in MO it is 80% for vehicles 7 years old and newer. Older, we go to 100% of ACV.
To the one who stated you have frame damage and it's a total. Nope, don't think so. A, no frame on this vehicle, B, the hit is high. The a pillar is considered a structural item, but there is no rule from GM that you cannot repair or replace it.
To the OP, good luck and let us know how things go.
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Old 12-17-2012, 12:59 PM   #44
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Totaled!!!!
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Old 12-17-2012, 01:01 PM   #45
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Yep, thats totalled.
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Old 12-17-2012, 01:28 PM   #46
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Glad you guys are ok and sorry about the car but it's totaled dude. Upgrade, it's SS time!
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Old 12-17-2012, 01:40 PM   #47
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My brother got in a bad wreck with his 2002 ZO6 when it was 9 days old. Damage looked worse than what you have. Insurance quoted it as $37,500 in damages and they still would not total it. Guess the weighed the fact it would cost them more to put him in a new one compared to fixing it.
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Old 12-17-2012, 03:23 PM   #48
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The school Bus was self insured.
I always wondered about public municipality vehicles. Wonder if they will be harder or easier to work with to get the car fixed.
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Old 12-17-2012, 04:01 PM   #49
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I always wondered about public municipality vehicles. Wonder if they will be harder or easier to work with to get the car fixed.
Claim on your own insurance and just let them deal with it. If the other driver is at fault(sounds like it is the case here as the other driver got ticketed) than your rates can not and will not go up. I have only been in one bad wreck where I needed insurance, it was not my fault, my insurance took care of everything and told me just how terrible the other persons insurance was and it was a good thing I claimed the way I did.
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Old 12-17-2012, 04:13 PM   #50
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To my understanding if an airbag is deployed its considered totaled, as far as the cost of the damage it's more than the car is worth. I had less damage and my cost was 10000$. That was only re skinning the door rear quarter panel front fender and 2 rims. So don't be surprised if its totaled.
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