1. The official Sherdog Store is back! Check it out! » Discuss it here! »

I just wrote my car off

Discussion in 'Mayberry Lounge' started by fingercuffs, Sep 27, 2021.

  1. fingercuffs Rebelfetts future wife Platinum Member

    Joined:
    Dec 9, 2007
    Messages:
    99,512
    Likes Received:
    34,075
    Location:
    San Jose
    Like a quarter of it is completely fucked, thankfully not the side I was driving in...much to the dismay of many of you I'm sure. The axel is completely buggered.
    It's a 2014 Ford Fusion I bought from new at around 26k. What happens in these situations if it's a write off? Do you get any money back at all?
     
    chosey whales likes this.
  2. DougMastersCassettePlayer Iron Eagle Belt Banned

    Joined:
    Sep 25, 2021
    Messages:
    123
    Likes Received:
    275
    Hope you didn’t get hurt<Oku04>
     
  3. syct23 ...ElipsisBelt...

    Joined:
    Jun 10, 2008
    Messages:
    21,858
    Likes Received:
    1,478
    Location:
    In The Sweat Lodge
    Matters,
    Where you at fault..?
     
  4. Kraysla Black Belt

    Joined:
    Apr 3, 2006
    Messages:
    6,429
    Likes Received:
    437
    Location:
    Somewhere in time
    I've had my insurance company consider my car "totalled" after an accident. They will attempt to give you the least amount of money as possible and if you want more than their low offer you must be willing to argue with them for extended periods of time. Glad you're ok.
     
  5. Milgrim Australopithecus - not your average hominid

    Joined:
    May 28, 2006
    Messages:
    11,125
    Likes Received:
    4,446
    Location:
    Turtle Island
    Glad you're ok. It will likely depend on how good your insurance is. Good luck.
     
    Zebra Cheeks likes this.
  6. Zebra Cheeks 2 Cheeks And A Soda Staff Member Senior Moderator

    Joined:
    Jun 13, 2009
    Messages:
    35,394
    Likes Received:
    66,089
    Location:
    Watchin Sports and Eatin Nachos
    when did you buy it, and is the loan still active or paid off?

    In the world we live in now car prices are actually inflated. When they give an offer here’s what you need to ask

    “what is the method you used to value the vehicle?”

    Have them give you as much info as possible. Do not hint that you’re looking to get more, they’ll shell right up and will become rude and unresponsive.

    Once you know the method, do your research. Find out what it’s accounting for and what it’s not. The only method that really will give YOU the full value is NADA. Everything else has areas of weakness that can be exploited or criticized.

    Additionally, any upgrades or add ins that didn’t come standard with the car, start thinking about those for leverage. You can get several thousand more than what they’ll initially offer you if you play this correctly
     
    Travis Alexander, HUGHPHUG and TeTe like this.
  7. GearSolidMetal I'm here to chew bubblegum and bang your mom. Platinum Member

    Joined:
    Nov 19, 2011
    Messages:
    38,201
    Likes Received:
    26,130
    Location:
    Wichita KS
    You bought a new car at 26K miles?

    Edit - oh, you meant $26K.

    Yeah, you fucked up by buying a new American-made car.

    I bought my 2016 Lexus for $30.K in 2019 and it had 11K miles on it. Its going to last me decades.
     
  8. DaleBoca Gold Belt

    Joined:
    Jul 7, 2012
    Messages:
    23,509
    Likes Received:
    12,318
  9. zuffazombee Green Belt

    Joined:
    Jun 14, 2013
    Messages:
    1,380
    Likes Received:
    636
    Glad you're ok.

    Good luck with your insurance company, dealing with them can sometimes be like pulling teeth
     
  10. Fugazy You sure about that, that that’s why?

    Joined:
    May 26, 2012
    Messages:
    13,022
    Likes Received:
    6,158
    Location:
    Knives and animal carcasses. Home.
    What exactly happened?
     
  11. Chesten_Hesten Sling'n Lead & Slapp'n Pussies, Ya Dig?

    Joined:
    Mar 7, 2006
    Messages:
    17,599
    Likes Received:
    6,843
    If you were involved in an accident at the fault of another driver, (providing they have insurance) you should be entitled to trade in value of your car, plus rental, plus pain and suffering.

    Be prepared to haggle over your car's value, and keep mentioning you've got pain and injuries from said accident.

    It all adds up.

    Good luck.

    Hope it wasn't single car, (your fault) accident.
     
  12. Batjester Thanos is right.

    Joined:
    Mar 4, 2009
    Messages:
    20,098
    Likes Received:
    18,685
    <{Heymansnicker}>
     
  13. JSN Plutonium Belt

    Joined:
    Nov 24, 2005
    Messages:
    50,296
    Likes Received:
    10,009
    Location:
    MAGA Country
    Damn that sucks dude. Sorry for your loss
     
  14. SirRealKiller SOOTHSAYER

    Joined:
    Jun 2, 2009
    Messages:
    2,286
    Likes Received:
    1,862
    Location:
    MINNESOTA
    This all depends on the state and your coverage.

    MN is a no-fault state so here if you have full coverage your insurance company has to compensate you for the loss. Like others have said they will try to low-ball you on the value.

    If you have just minimum liability if the accident is your fault you get jack shit. If the other person is at fault their insurance company should pay you for your loss and they're even more likely to try to shaft you.

    Some policies have full replacement coverage meaning they will pay you the full amount it costs to buy a similar vehicle as to the one you lost (same year, milage..etc).
     
    Aegon Spengler likes this.
  15. Strychnine Titanium Belt

    Joined:
    Dec 8, 2006
    Messages:
    42,577
    Likes Received:
    22,780
    Location:
    Georgia, USA
    Glad you're ok! If your insurance writes it off, you'll probably get the current blue book value.
     
    Aegon Spengler likes this.
  16. Wrath of Foamy Black Belt

    Joined:
    Jan 25, 2007
    Messages:
    5,885
    Likes Received:
    2,537
    It could be worse. Good that you're unscathed.
     
  17. AldoStillGoat Purple Belt

    Joined:
    Oct 15, 2016
    Messages:
    1,632
    Likes Received:
    2,725
    Sucks but look on the bright side… now you get to get rid of that Ford and get a Toyota and save money over the long haul.
     
  18. AldoStillGoat Purple Belt

    Joined:
    Oct 15, 2016
    Messages:
    1,632
    Likes Received:
    2,725
    Hell yeahhh

    I just got a 2008 Lexus ISF … 420 horsepower

    119K miles only $12K rebuilt title… been working on it bit out like $2K into it

    I could resell for $20K

    ima keep it though… at least 5-10 years

    Lexus/Toyota all the way
     
    GearSolidMetal likes this.
  19. GearSolidMetal I'm here to chew bubblegum and bang your mom. Platinum Member

    Joined:
    Nov 19, 2011
    Messages:
    38,201
    Likes Received:
    26,130
    Location:
    Wichita KS
    Be warned - Lexus/Toyota's 8-cylinder vehicles are less reliable than their 6-cylinders.

    How much less reliable? No idea. I just know they're more prone to have mechanical failures.

    And I wouldn't be too sure about that $20K estimate, especially since gas prices have skyrocketed, and the 2008 ISF gets 18MPG.

    But hell, if you can get some sucker to buy it now, do it.
     
    AldoStillGoat likes this.
  20. Tone C Gold Belt

    Joined:
    Oct 15, 2005
    Messages:
    19,019
    Likes Received:
    10,146
    Location:
    Over the Rainbow..
    U ok Lou,?
     
    Phlog likes this.

Share This Page

  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.