Help, Totaled 16 civic ex-t??

[Snacob]

Alright I hope this is the correct place for this but I was hoping I could get some opinions or advice on what to do with a brand new car in an accident. My wife was T-boned in her brand new civic ex-t. We've only had it for 3 months. The other driver was ticketed for failure to yield at a stop sign and hit the civic at about 30mph which spun the civic 180 degrees. After taking the car to get a quote on repairs the Honda body shop told us around 15 grand to fix. Our insurance company wants to just repair the car and I feel like we are getting screwed.

 

[racinginblood]

There gonna put new door skins on it realign the rear end and try and match the paint

 

[1WickedCivic]

Our insurance company wants to just repair the car and I feel like we are getting screwed.

Hope your wife is ok, terrible thing to happen. Why is your insurance company telling you what to do when: 1) The other driver is at fault 2) The other driver's insurance company should be picking up the tab. Even with the best repair job, that car will *never* drive the same again.

You can replace a car but not a life - thankfully, your wife walked away from it. Without any further details on the damage, it looks like a total loss to me. You probably want to talk to a lawyer ASAP before dealing with your insurance company again.

 

[Snacob]

Thank you, fortunately she is doing fine, impressed with the safety of the civic! Just dealing with some bruising and whip lash. I have been extremely disappointed with our farm bureau insurance. They have been doing things strangely from my past experiences with accidents. We will definitely be getting in touch with a lawyer. Was shocked when I found out the damage was $15,000 and they weren't going to total it. I work in the parts department at a Toyota dealership and also agree it will never drive the same not to mention the value the car is going to lose without a clean title.

 

[1WickedCivic]

Just dealing with some bruising and whip lash. We will definitely be getting in touch with a lawyer. Was shocked when I found out the damage was $15,000 and they weren't going to total it.

So she is injured which means you qualify for a free referral, here is the link for your state https://isb.idaho.gov/general/findattorney.html

Also, for the injury, she will need a comprehensive medical exam to make sure that the nature & extent of her injuries are fully documented by the hospital. This is very important, if you have to go to court against the defendant's (other driver) insurance company.

 

[mymonkeyballs]

Glad to hear she's ok!

Is that 5% tint on the windows?

 

[chicubfn]

Unfortunately, that's only at 65%. It's not a total with most insurance companies. Did they do a tear-down yet? The repair could have many supplements which will push it closer to a total. I do not know what Idaho's laws are for totaling thresholds or if they have them. If you are not at fault, ask for diminished value from the other party insurance.

 

[chicubfn]

Looks like both door assemblies have to be replaced, and probably your quarter panel as well. I am so sorry this happened to you.

 

[Snacob]

So she is injured which means you qualify for a free referral, here is the link for your state https://isb.idaho.gov/general/findattorney.html

Also, for the injury, she will need a comprehensive medical exam to make sure that the nature & extent of her injuries are fully documented by the hospital. This is very important, if you have to go to court against the defendant's (other driver) insurance company.

she was taken to the hospital in an ambulance because they were initially worried about neck injuries. She had a medical exam done so everything is documented. Thank you so much I appreciate all the help.

 

[Snacob]

Glad to hear she's ok!

Is that 5% tint on the windows?

I believe it's 15 actually. I think the angle just makes it look darker.

 

[Snacob]

Unfortunately, that's only at 65%. It's not a total with most insurance companies. Did they do a tear-down yet? The repair could have many supplements which will push it closer to a total. I do not know what Idaho's laws are for totaling thresholds or if they have them. If you are not at fault, ask for diminished value from the other party insurance.

I was thinking it's more around 75% because the street value of the car is around 20ish grand instead of the 22,500 when we bought. Idaho uses the total loss formula which in this case I was almost certain we applied to and the car would be totaled. I asked our agent if they had done a tear-down yet knowing it would most likely add more to the repair and she was not sure and just said it won't be over 15k. The other party is using safeco insurance and I will probably get a lawyer involved when trying to receive diminished value.

 

[chicubfn]

Snacob, vehicle looks repairable w/ the pics. I would look at all vehicle value sites for your vehicle, and inquiry about if the vehicle was torn down, and the availability of parts. If parts are back-ordered, would rental costs total the vehicle? Things to think about.

 

[Snacob]

Snacob, vehicle looks repairable w/ the pics. I would look at all vehicle value sites for your vehicle, and inquiry about if the vehicle was torn down, and the availability of parts. If parts are back-ordered, would rental costs total the vehicle? Things to think about.

I work in the parts department actually and that was my first concern. Didn't even think about mentioning that as extra rental costs. I'll contact Honda and look into the parts/tear down. Thank you!

 

[Kindred1]

I work in the parts department actually and that was my first concern. Didn't even think about mentioning that as extra rental costs. I'll contact Honda and look into the parts/tear down. Thank you!

Glad you are both fine! I just backed into a huge pick up truck whose front end was slightly into the lane of the shopping mall. Back bumper needs to be totally replaced. Trunk, back lights, and quarter panel are untouched. Not a scratch on the other guys tank - I mean truck. I will not go through my insurance so need to get body shop quotes for an Aegean Blue Touring back bumper.

 

[star]

My condolences. Accidents can happen to the most careful of persons. I'm glad to hear that your wife is okay I'm just happy that this car is super safe! This recently happened to mine