Post #436,402
9/25/20 11:48:39 PM
9/25/20 11:48:39 PM
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Yikes! :-( Glad you're Ok.
If it's any consolation, you can probably get a good deal on a new car now. :-( I found my driver's side mirror in the street once; I think a trash truck knocked it off. The insurance/body shop replaced it with a junkyard special, but I had it/them replaced with a pair of new replacements at RockAuto.com for a good price (the painters painted them for free). Good luck! Cheers, Scott.
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Post #436,403
9/25/20 11:59:31 PM
9/25/20 11:59:31 PM
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I do not expect this to be a total.
The door would be easily replaced. The fender is more of a problem, but there is no noticeable displacement of body parts. I will be talking to the insurance adjustor on Monday.
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Post #436,406
9/26/20 1:59:30 AM
9/26/20 1:59:30 AM
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They totaled my VW Jetta wagon when I was rear-ended on the highway.
3 pm on a weekday in rural Ohio on I-75, going 70 mph, and was rear ended by an Explorer who was weaving through traffic going too fast and not watching what he was doing...
Smashed the bumper and the hatch. Rest of the car was fine.
But it was over 12-ish years old and over $2k in damage, so they said it was totaled. :-(. They paid me, I got it fixed, and I still have it (and it is still insured with USAA).
Be prepared. :-(. Good luck!
Cheers,
Scott.
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Post #436,407
9/26/20 2:59:52 AM
9/26/20 2:59:52 AM
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How does that work for resale?
Over here, if the insurer determines that the cost of repair exceeds the value of the vehicle, it is "written off".
There are four categories of write-off (lifted from a UK car site):
Category A write-off: These vehicles are usually burnt-out and they must be totally crushed including all spare parts
Category B write-off: These vehicles cannot return to road and the shell must be crushed, but their spare parts may be salvaged and sold for spares
Category S write-off: Repairable, but cost of repair is more than value of car. Has been determined to have some sort of structural damage (previously category C)
Category N write-off: Again repairable, but it would cost more than the car's value to fix. Shouldn't have sustained any structural damage (previously category D)
Cat S and N cars are common on the resale market, and can be quite a bargain - however, a lot of buyers (myself included) are nervous about these cars - especially Cat S, and will avoid buying them. (When selling a vehicle it is mandatory to declare any insurance write-off)
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Post #436,409
9/26/20 8:38:41 AM
9/26/20 8:38:41 AM
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Only category I've heard is "salvage"
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Post #436,425
9/27/20 1:27:41 AM
9/27/20 1:27:41 AM
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No, there is another designation . . .
. . "Submarine". This is for cars refurbed after floods in the Mississippi drainage system.
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Post #436,426
9/27/20 1:32:56 AM
9/27/20 1:32:56 AM
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I almost want to buy one so I can tell people I'm driving a submarine
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Post #436,432
9/27/20 5:46:21 PM
9/27/20 5:46:21 PM
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in mississippi that is a salvage flood tiitle so the potential new owner is aware
"Science is the belief in the ignorance of the experts" – Richard Feynman
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Post #436,414
9/26/20 2:13:09 PM
9/26/20 2:13:09 PM
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Dunno. It's probably worthless as a general principle.
It's a 2004 Jetta TDI. Too old to be part of the "dieselgate" stuff, but the value was killed anyway.
I don't understand the details of "totaling" and so forth. Virginia would have required that I get a "salvage title" once it had been ruled a total loss if it were less than 10 years old at the time, but wasn't, so I didn't. Everyone probably assumes that normal cars over 10 years old are near-junk anyway.
I plan to give it away to the local NPR station or a local charity if/when I decide it's too old for a new clutch, or am willing to pull the trigger and go electric, or whatever. They'll auction it off or send it to the crusher and I'll get a note in the mail telling me what they were able to get for it, and I'll use that for a federal income tax deduction. (J got over a value of $900 for her 1993 Corolla that had 203,000 miles on it at the time. We were astounded.)
Cheers,
Scott.
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