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actually, what's gonna happen when you claim total on that?

r u going to keep the old one? r they gonna take it (insurance co)?

 
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I was hit by a Chrysler LHS. I don't know the year.

I may have to have the car repaired. I have been in conversation with the dealer's body shop, the used car manager, and the salesman. I owe a lot on this car, and I have been assurred that the car will be as good as new. There was no suspension damage nor any damage to the roof. I will know more tomorrow.

If I get a new car I will have to trade in the damaged one as is. Sorry.

 
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dude dont listen to the dealer, there telling you itll be good as new cause if they give you money instead of fixing it theyll actually be loosing money. its better for them. and screw what they say, listen to people who have actually had this happen. you gotta fight if you wanna win man dont just let them walk all over you like this.

 
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Man that sucks... never agein will I complain about the 5,000 dollars worth of damage on my car agein...

 
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Total it, grow up, and buy a 540i.





I know I dont have one, but I haven't totalled my car yet.

 
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Dude, I feel for you. Had a recent situation on my barely three week old RSX. I'm glad you're okay.

 
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go see your doctor, you could have sustained a injury that doesn't feel bad right now but later on will get worse, also insurance might pay you for that also.

 
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That's a total lie. The reason they tell you that is so they don't have one useless car to deal with.

With major dents like that, all the components are affected in one way or another. You see how your exhaust is bent? That force would be transferred into the cat, which would transfer to the header, which would bend all those parts subtly out of shape. Not to mention the chasis, suspension, frame. The only way to get the car "as good as new" would be to replace every single component in that car.

The 10,000 estimate is based on the perceived damage, not actual damage. The fact is, no matter how thorough an estimate, they won't be able to pick out all the affected parts. You can assume that most if not all components, especially to the rear are now misaligned a bit.

Sure, the misalignment could be minor, even negligable. Maybe it won't give you problems later on. But with over 10,000 dollars on the line, you shouldn't be risking it at all. Cus' once they've fixed it, not only do you have to live with a salvage title, but once all those hidden problems start surfacing, you have no choice but to fix them.

Don't trust what the dealers tell you, obviously they don't want the car to come to waste.

-Aki

 
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I had a car accident couple months ago and since it was a new vic, insurance told me to fix it costing over $11000 CDN. I fixed it cause I didnt know about how to total it and stuff (it was my first ever accident) but forsure, total it, cause even they can fix proply and make it like brand new car (which probly will never happen), you will have problems selling your car later on.

 
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I like to remind you that these people that claim totaling it and buying a faster car do not no what they are adressing. First off I dont know what state your in but california insurence agencies are not stupid enough to give you above amount of money that the car is worth.
You buy a Base RSX you pay the differmce, its a little fact of life. Also the insurence will pay fully for a new civic of the same model, however if you wish to have a new car they will give you fair market value for the car. Hense your ****ed because you loose thousands right after you drive that thing off the lot.
The choice is yours personally being so new I total it and have them buy me a new civic fully.
This will save you tons of money in the long run especially those nasty car bills.
also with an RSX they will raise your rates, they dont think im sorry you got owned man. more expensive car higher rates.
Thats my .02 cents.
Total the damn thing and get an exsact copy replacement for free

 
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^Good Point! Totaling a vehicle is not what people crack it up to be. Unless you have GAP insurance you will likely wind up losing money due to the immediate depreciation of the value.

 
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^^ sounds like a good idea...

 
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GODDAMN bro! i feel your pain FOR SURE! my friend Chris from this site was driving MY car 3 weeks ago or so and was broadsided/t-boned by an 86 buick STEEL car and did $5400 in damages to my poor baby. our commonality lies in that the driver of the Buick was arrested at the scene of the accident for a suspended/restricted license. the shitty part for my friend was that regardless of the arrest, Do was ticketed for the accident

anyways...idk what to say bout ur damages. that looks REAALLLLY bad man...truly. but if you're are like me and LOVE your Civic to death and back, fix it. otherwise take the total from insurance and buy yourself another Civic or something else.

best of luck to you sir! prayers need to go out to ALL Civic drivers. i think the world is out to get us all. we need to band together and be cautious of the a$$holes in this world.

take care man...and make wise decisions

~Joey

p.s.- jus got on the cell with my shop and they tell me:

"friday at the earliest"
"monday at the latest"
they dont work on Saturdays lease:

i CANNOT wait to get the love of MY life back!! wooO!

 
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make him pay for a new car
or fix you car brand new

 
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Exactly! Thats where I'm confused. It seems like a piece of this story is missing.

 
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^can't pay out what you dont have

 
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True, I understand that. But was that already established? All I read was that the guy had a suspended license. I've had a suspended licesne before. I still had a job and insurance though.

That's more or less what I'm getting at. I guess we can assume he already pursued that?

 
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I talked to the dealer today. Salvage value of the car was less than $5,000. I owe $14,500, and a new car costs $18,000 (including tax). Damage estimate is $10,200. I would lose big time if I bought a new one instead of keeping the damaged one. Plus, I got a 2.9% interest rate on the loan ( It is not available anymore). Both the salesman and the insurance inspector agree that the car can be brought back to as new status. Also, the dealer will stand behind the work.

Thank you all for your concerns. Believe me, I'm fine.

Mike

 
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hey, ppl brought up a good point, ask if you can get a new civic of the same year/model. you shouldnt have to pay any difference in price, and you should get to keep the same interest rate. and even paying a higher interest rate would be better then dealing with all the problems that will eventually arrise. i know it seems like youve made up your mind, but just telling you man, big mistake. try to get out of having to keep the car no matter how hard it might be, find loopholes etc etc.

 
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Cubbies60,

It will all work out and you will be fine. You'd be surprised the kind of magic body specialist can do. Show us pics when you get your car fixed. I bet it will look like you just bought it all over again.

 
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NO, NO, NO!!!! Get a lawyer, thats total BS.
That car will never track down the road straight, will leak, have problems with creaking and squeaking, misalighned panels and everything. Tell you insurance that your car will never be as safe or reliable as it could be after that accident, the guy should be sued that hit you, and you could afford a dozen civics.

Trust me man, my friend got his car "repaired" after an accident like that, and that car was worth nothing; it ran harshly, the suspension geometry was completely messed up, the trunk and doors leaked water and were incredibly noisy on the highway.

Get a lawyer and shake the haters off dude, $10K for your car now, or pay $14K on a car thats worth about $7K when you get it back, I see no benifits of you paying for this car.

 
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A lawyer will likely cost many $$$$. Let's say Cubbies60 were to sue this guy and even win the case. Do you think the guy is just going to magically cough up the dollars necessary to pay for all the damages?

Why do you think insurance companies have coverage for underinsured and no insurance motorist? These cases happen all the time. If the person that hits you is underinsured or not insured you are screwed.

If I were your friend I would take my car back over and over again until it was fixed. I’ll admit it sucks but what are you going to do?

 
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Say its unaceptable, because the insurance company is making you take a hgue loss on your car, when the accident was not your fault. If your paying for a car,and that much damage happens to it, and you are paying full cverage (which you have to) it should be FULLY covered, ie, your not liable and your car should be fixed at a level that you accept. My point is, there is no possible way that they can get that car back in tolerence frame wise as it was produced, and that means the car will be: less reliable, not as safe, noiser. These are things that you dont accept when your paying for a new car.

 
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total it

 
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I 100% agree with you! Once a car is wrecked it will never be exactly the same. That doesn't mean it can't be fixed to an acceptable level of quality though. You have to make sure they do things right.

The only problem with totalling it is unless you have GAP insurance as well as your own insurance you will likely only get "fair market value" of the car. I think this deal sucks and it shouldn't be that way but it is.

 
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Mike,

At least the dealer says they'll stand by the work, that's favorable. It looks bad, but it's designed to happen that way (crumple zone) - and why you walked away from that ok.

--
I don't know if anyone mentioned it, but I'd also check with the Insurance Co. about going after the guy to recover the deductible $$$ you paid - if they are not interested in doing that, you may want to ask them if that's possible for you to do / consider persuing that privately.

Glad to here you're ok.

Regards,
Bob

 
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My mother just bought a Scion, and shegot the GAP insurance, I kind of wish they offered it when I bought my car, but allas, I got to deal with the insurance company if something like this happens to me.

Sheet metal can be fixed, the most important thing is your OK; thats always the most important thing!

 
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total it trust me that same thing happened to me a few years ago with my grand am i should have totaled it but i didn't ooh the problems like everytime i hit a little bump i would hear the anoying noise and when i got rid of it it comes up on carfax noone wants to buy a used car that had that kind of damage so just total it man

 
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I stopped at the dealer Monday to see the progress. I have new rear quarter panels, new floor pan, new trunk lid, new rear tire, new bumper & taillights, and new rear stabilizer bar (the mounting bracket was broken when the muffler was shoved forward). All of them aligned real well. Total damage estimate was $10,126.30. The guy who hit me had no insurance in addition to his suspended license. His court hearing is next month. My car should be ready in another week. I'll post pix when the car is done.

 
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Glad to hear everything is moving along and going well. Hopefully the courts will require this guy to make payments to pay for all that. People like him should not be on the road. Everyone makes mistakes but this guy was a problem waiting to happen.