Depends on the company. They all have different thresholds etc but the same motivation....














http://rlv.zcache.com/dollar_sign_ey...0%2C285%2C0%5D

It's not even at 50% of ACV, it's not near the total loss threshold.

They're tearing down the front today but probably won't find much. I'm torn, I love this car, I can swap out the exhaust since the factory is $2400 so I can pocket some $$$ there, we're going after diminished value on the car so I can use that to pay some off or pay off other bills....but on the flip side the car very well may never be the same...and if they total it at least I wouldn't have a car payment for a while until I decided what to do.

I don't know...just super frustrating right now.

I'm going through my insurance(USAA) for the repairs, I'll let them go after the other insurance company for reimbursement, then my lawyer is going after his insurance company directly for lost wages(still out of work), medical bills that will exceed my policy limit, diminished value, loss of us, etc.

Hope this doesn't come across wrong but there's no way the pathfinder impacted you at 50+mph with a boat on the hitch. Its probably closer to half that, maybe a good bit less since it seems like it went over the top of your reinforcement bar in the rear and didn't do as much damage as I would expect/have seen. But I guess since you hit into the old guy some energy had to accelerate you again. I wonder, did the pathfinder end up jack-knifed? I tow mva's etc and spend too much time in a body shop so this **** interests me :lol:

Your pinched nerve/numbness is no joke though and I feel bad for you there. Hope that is just temporary and heals quickly. Did your air bags deploy?

He said he was doing 45-50mph. There a bunch of damage on the floor that can't be seen in the pics, he hit me good...maybe not 50 but definitely not 25mph.

He didn't jackknife to my knowledge, he ended up stopping what I would guess is a few hundred feet up the road. Air bags did not pop.

Thanks for the response. Wish you the best with your recovery!

Car=totaled....$33k in damage.

Wow. Well that's what you hoped for. You going to get another one or something else? I'm sure your first priority is getting better though.

Getting better is priority one, possible spinal cord issues, gotta get an MRI. I'll worry about another one of these cars later

Saw on FB. Hope the medical stuff gets better quick!

Ooof. Sorry to hear about the spinal cord stuff, Tony. Hope you heal up quick!!

So what else did they find that took it from 20-25k to 33k in damage?

A ton of suspension damage, damage got into the cradle. The parts prices killed it, out of that $33k 20k was parts...crazy.

Damn man, hope you turn out ok....That is scary stuff.

I'm just angry right now but it's life. You deal with it and move on I guess.

This actually makes the gears in my head start spinning. Like you said, the resale value on that car has just dropped tremendously... I'm not saying you are the type of person to do this but would it be possible to sue somebody for the depreciation of it?

Sure, his insurance will fix it but it's not worth what it previously was.


Edit:
I missed page two of this.

Jesus man. I'm glad you're recovering. That is my fear too driving any of my prized possessions around (bird, vfr). Yours is just a lot more expensive!

I hope you feel better, man. What's the status with the spine?

Diminished value claims are very much real.

MRI on Monday

They are but since it's totaled it doesn't matter now.

i know the feeling. My WS6 has been hit twice in the last 3 years, once parked and the other on RT 45 in jersey when some guy in a mini van blew a red light and took the nose of the car right off. Been debating on selling it myself.

Hope you have a speedy and easy recovery, but a rear end accident at that speed is brutal on your back; i can attest to it.

MRI should have just said "you're screwed" on it. A few ruptured discs, a herniated disc and a fractured one(but not letting any of the fluid out) which is causing major compression on a few nerve roots. Lost my new job over this too. All I know is that this better break the limited tort threshold so my lawyer can lawyer the hell out of everyone else involved. Needless to say I won't be in the car game for quite a while, hell unless I can get disability I maybe not even have a home in a few months....but this is life and you just gotta roll with the punches.

Did I mention I hate elderly people that can't drive?

Ughhhhhhh. That's terrible man. I know back/nerve pain all too well unfortunately but you def sound worse than I was.

:cry:

wow, that is some terrible news to hear as an update. best of luck with the recovery and medical bills