Whose car is this? totaled on the way home from dealer

neteng101

Senior Member
Joined
Aug 19, 2016
Threads
7
Messages
459
Reaction score
268
Location
NJ
Vehicle(s)
2017 Honda Civic Hatchback Sport Touring
Country flag
By far the most depressing discussion I've seen on this site. :(
 

Mick the Quick

Senior Member
First Name
Mick
Joined
Feb 25, 2016
Threads
24
Messages
890
Reaction score
686
Location
Southeast MA
Vehicle(s)
2018 PMM Civic Type R (R-08508)
Country flag
I wouldn't buy another one if same thing happened to me . Maybe CTR is just not a lucky item to him . My $0.02 .
He wasn't injured despite the severity of the crash . . . . maybe it IS a lucky item for him. :)
 

Mick the Quick

Senior Member
First Name
Mick
Joined
Feb 25, 2016
Threads
24
Messages
890
Reaction score
686
Location
Southeast MA
Vehicle(s)
2018 PMM Civic Type R (R-08508)
Country flag
that car isnt totaled.
The insurance company will find a place to have it fixed with a rental for 3 months while they fix the rear end and front then reblend the gray paint.
It will never look the same with a factory paint job.

I have had a suspension completely ripped out from hitting a 3 ft curb in a celica when some jackass slammed on his brakes. The car was worth 25k but USAA managed to say it was repairable at 22k

I guess i was a young stupid bastard to believe this and accept it. What was funny too is when i got it back to test drive it the steering wheel when turned either left or right would just stay there and not turn back. The mechanic said this was normal WTF.
Been driving for over 20 years and never had a major accident with another vehicle. If i were this guy i would have taken the ambulance and sued the mother F. for 15k on top of my crashed car
I hope the car is totaled. I agree, once you've got a serious frame damage, the car will never drive the same . . . . or even close to it. I have found that the hard way a couple of times when my cars were hit by dummies. Never mind that the trade-in or resale value just took a massive nosedive . . . . hopefully, the owner can get compensation for diminished value somehow.
 

PandaXpress

Senior Member
Joined
Feb 19, 2016
Threads
17
Messages
433
Reaction score
202
Location
Los Angeles
Vehicle(s)
EX-T with Honda Sensing
Country flag
With a possible total loss i was thinking would GAP insurance cover the ADM if they got it?
 


zroger73

Senior Member
Joined
Apr 15, 2017
Threads
56
Messages
2,477
Reaction score
4,544
Location
United States
Vehicle(s)
2019 MX-5 Miata GT-S, 2021 Ridgeline RTL-E
Country flag
With a possible total loss i was thinking would GAP insurance cover the ADM if they got it?
I'd like to know that as well.
GAP insurance covers the difference between the value of the vehicle (as determined by the insurance company) and the payoff.

If the buyer financed 100% of the $39K purchase and purchased GAP insurance, vehicle insurance will pay about $30K for the car and the GAP insurance will pay the remaining $9K - if it's totaled.

If the buyer paid down $9K cash and financed $30K, vehicle insurance will pay about $30K, GAP insurance won't apply since the payoff is no higher than the value, and the buyer just lost $9K which they might be able to recover from the driver at fault's insurance if they get a good attorney (which may cost thousands).

If the buyer paid $39K cash, they just lost $9K if the car is totaled. Again, GAP insurance won't apply because there is no loan and they'll need a good attorney.

Unless your credit is bad, lenders will finance more than the sticker price (they almost have to in order to sell cars since so many people are upside down on their loans and/or have little or no money for a down payment). However, there are limits - typically around 120%, but this varies by lender and credit score. It's highly unlikely anyone can finance $50K on a $35K CTR with $15K ADM without some "creative financing" going on. Even if they did, the price of the GAP policy would be extremely high.

There's little chance for a good, easy outcome in these situations.
 

Stock_07

Senior Member
Joined
Nov 19, 2015
Threads
7
Messages
208
Reaction score
85
Location
Durham Region
Vehicle(s)
2016 Civic LX
Based on the photos and perhaps even more unfortunate to the buyer, I don't believe the car is a total loss - especially if there was no airbag deployment. Unless there is major frame damage that cannot be pulled back into spec, it looks to be about a $15-20K repair job - not enough to total a $35K car.

If it is totaled, it belongs to the insurance company who may give him the option to retain it, but people rarely do that. It's a lot of hassle for most people to disassemble and sell individual parts and come out ahead.

If it's not totaled and considering this guy is a car salesman, I bet he dumps it as soon as he can. Look out for R-03390! The "R" stands for "rebuilt". ;)

Right after the 2nd gen Ridgelines went on sale last year, a guy bought a $43K Black Edition. Days later at 400 miles, he was rear-ended by a distracted girl driving a Red Bull company vehicle who pushed him into another vehicle. The front and rear of the Ridgeline required rebuilding at a cost of $25K. Insurance would not total the truck and Red Bull would not replace it.

http://www.ridgelineownersclub.com/...ne-2g-2017/137809-well-did-not-take-long.html
Cant believe the ridgeline has that much damage.
 

Brian1489

Member
First Name
Brian
Joined
Jul 3, 2017
Threads
0
Messages
22
Reaction score
10
Location
Trenton, Ontario, Canada
Vehicle(s)
2016 Honda civic sedan Touring , 2013 Dodge Journey Crew
Vehicle Showcase
1
OP
OP

Boostlag

Senior Member
Joined
Jun 1, 2017
Threads
16
Messages
912
Reaction score
802
Location
Fairfax, VA
Vehicle(s)
NC2 MX5 (Miata)
Country flag
people have been waiting for parts for over 3months on the Focus RS. Kinda the downside of a new lower production model.
 

Mick the Quick

Senior Member
First Name
Mick
Joined
Feb 25, 2016
Threads
24
Messages
890
Reaction score
686
Location
Southeast MA
Vehicle(s)
2018 PMM Civic Type R (R-08508)
Country flag
people have been waiting for parts for over 3months on the Focus RS. Kinda the downside of a new lower production model.
Man, that's horrible. I can't imagine waiting that long for a critical part.
 


nabusa

Member
Joined
Sep 27, 2016
Threads
0
Messages
30
Reaction score
15
Location
USA
Vehicle(s)
Acura TL Type S, Acura RLX
Based on the photos and perhaps even more unfortunate to the buyer, I don't believe the car is a total loss - especially if there was no airbag deployment. Unless there is major frame damage that cannot be pulled back into spec, it looks to be about a $15-20K repair job - not enough to total a $35K car.

If it is totaled, it belongs to the insurance company who may give him the option to retain it, but people rarely do that. It's a lot of hassle for most people to disassemble and sell individual parts and come out ahead.

If it's not totaled and considering this guy is a car salesman, I bet he dumps it as soon as he can. Look out for R-03390! The "R" stands for "rebuilt". ;)

Right after the 2nd gen Ridgelines went on sale last year, a guy bought a $43K Black Edition. Days later at 400 miles, he was rear-ended by a distracted girl driving a Red Bull company vehicle who pushed him into another vehicle. The front and rear of the Ridgeline required rebuilding at a cost of $25K. Insurance would not total the truck and Red Bull would not replace it.

http://www.ridgelineownersclub.com/...ne-2g-2017/137809-well-did-not-take-long.html
Buying it back from the insurance is not a hassle at all. I bought back my totaled RSX type S from my insurance company without any hassle at all.
 

zroger73

Senior Member
Joined
Apr 15, 2017
Threads
56
Messages
2,477
Reaction score
4,544
Location
United States
Vehicle(s)
2019 MX-5 Miata GT-S, 2021 Ridgeline RTL-E
Country flag
Buying it back from the insurance is not a hassle at all. I bought back my totaled RSX type S from my insurance company without any hassle at all.
I didn't say it was. I said that most people don't buy their totaled vehicles back from insurance companies, which is a fact. I also said that it's a hassle for most people to disassemble and sell individuals parts from a totaled vehicle, which is another fact. :)
 

jdmorangefever

Senior Member
Joined
May 22, 2017
Threads
3
Messages
402
Reaction score
284
Location
Nevada
Vehicle(s)
93 eg, 17 type r, 16 crv
Country flag
I bought back my totalled 93 hatch when i was 16 for 900 and fixed it with rebuilt title.
 

jtrown

Senior Member
Joined
May 2, 2017
Threads
5
Messages
264
Reaction score
214
Location
Ms Gulf Coast
Vehicle(s)
2004 Honda Civic Hybrid, 2010 Accord Crosstour, Rallye Red CTR
Yep this guy needs a good attorney. And all owners of the CTR should be pissed about this. Because this jackass wasn't paying attention the owner now gets to fight it out with both insurance companies just To get his wrecked car back. Even if it's totaled, which I doubt they guy then get the pleasure of trying to hunt down another car. Moral of the story? Tell the bastard your neck hurts and you'll see him in court..... that will get his nose off the phone while he's driving.
Sponsored

 


 


Top