Discussion Is My Car Totaled?

Dustan Whitworth

Junior Member
Dec 7, 2019
10
1
36
I was On my way to work yesterday and I had a deer come out and hit the front end of my car. The driver door wont open now because of it. car still drives fine but only was drove a short distance back to my house. What really brought my attention was the a pillar by the windshield looks to be bent from the hood coming up. Does anyone know if its more and likely totaled. I am waiting on my adjuster to look at it Monday.
2015 Ford Fusion with 101k Miles
only worth about $8k before the crash
 

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daveybrat

Elite Member
Super Moderator
Jan 31, 2000
5,743
954
126
Just looking at the photos, i'd say it's totaled. However, the insurance company and the collision shop will try to repair it as long as it's under the blue book value.

My guess is that they'll just write you a check.
 

Dustan Whitworth

Junior Member
Dec 7, 2019
10
1
36
Just looking at the photos, i'd say it's totaled. However, the insurance company and the collision shop will try to repair it as long as it's under the blue book value.

My guess is that they'll just write you a check.
Thats what I was thinking too. I dont know how much other damage that was done, but if the car is only worth 8 and it cost 4 to 5 thousand to repair insurance will most likely let it go.
 

daveybrat

Elite Member
Super Moderator
Jan 31, 2000
5,743
954
126
Thats what I was thinking too. I dont know how much other damage that was done, but if the car is only worth 8 and it cost 4 to 5 thousand to repair insurance will most likely let it go.

Oh trust me, i've done plenty of business with car insurance companies to know that they'll always repair something as long as it's below what the car is actually worth. I had a car repaired and the total repairs came out to almost $3200 when the car was only worth about $3400. The repair shops know how much to charge to get the job. I would have rather just had a check for the $3200 than repair it at the time.
 

Dustan Whitworth

Junior Member
Dec 7, 2019
10
1
36
Oh trust me, i've done plenty of business with car insurance companies to know that they'll always repair something as long as it's below what the car is actually worth. I had a car repaired and the total repairs came out to almost $3200 when the car was only worth about $3400. The repair shops know how much to charge to get the job. I would have rather just had a check for the $3200 than repair it at the time.
Ya, Cant blame you there. cause even though they repair them, its usually never the same after that.
 
Reactions: Midwayman

BonzaiDuck

Lifer
Jun 30, 2004
15,785
1,500
126
"Never the same after that" would mean damage to the frame, but on these newer cars -- post-1990s -- I'm guessing uni-body construction. The damage to the window post is fairly tell-tale: they might be able to straighten it, but it could be indicative of other things.

What about the core support, which holds the radiator? All the front lights and lenses would need replacement. The front bumper cover is totally smashed. The grill is history. The hood is a disaster.

If the claims adjuster says "totaled", it's probably an accurate assessment. If he says it isn't, then bully good, I say!Hopefully, if he declares it not worth repairing, it's covered by your insurance and they'd give you Kelly's or Edmunds value -- perhaps as you say, $8K. You got 101K miles out of it unless you'd bought it used . . .

I used to love my fleet of subcompact Hondas. For nearly 20 years, my carbon footprint was low at 30 mpg, maybe 12,000 miles per year. Then I swung for mid-sized SUVs. If you live and drive in an area where these sorts of "wildlife" encounters are more likely, that sort of armor might have saved you some grief, even if it needed to go to a body-shop.

My Trooper has been through a few fender benders. Wish I had a snap to post right now, because you couldn't tell, for my DIY body work and smithy work. I put a $500 bull-bar/grill-guard on it last year -- probably as solid as you'd find on the front of a police cruiser. Next time it happens, I'm going to "win".
 

ondma

Platinum Member
Mar 18, 2018
2,787
1,357
136
Oh trust me, i've done plenty of business with car insurance companies to know that they'll always repair something as long as it's below what the car is actually worth. I had a car repaired and the total repairs came out to almost $3200 when the car was only worth about $3400. The repair shops know how much to charge to get the job. I would have rather just had a check for the $3200 than repair it at the time.
I have had the opposite experience with State Farm. They seem rather willing to declare a car totaled, and give a quite fair settlement. As to the car in the OP, I it is hard to say. Depends on whether there is structural damage. I assume the air bags went off?
 

Dustan Whitworth

Junior Member
Dec 7, 2019
10
1
36
I have had the opposite experience with State Farm. They seem rather willing to declare a car totaled, and give a quite fair settlement. As to the car in the OP, I it is hard to say. Depends on whether there is structural damage. I assume the air bags went off?
No the airbags did not deploy. The car still drove fine but with that major damage with the fender and the door not opening, I honestly thinking it bent something
 

someone16

Senior member
Dec 18, 2003
522
9
81
No the airbags did not deploy. The car still drove fine but with that major damage with the fender and the door not opening, I honestly thinking it bent something

Surprised the airbags didn't deploy from that. Was going to say if the air bags went off then it's probably guaranteed to be written off.

I think it'd be pretty close considering your entire front end + fenders got smashed pretty good. To be honest hope you'd get it totalled and use the money for a new car. It'd be pretty hard to try to sell the car with that damage on record.
 

zinfamous

No Lifer
Jul 12, 2006
110,821
29,571
146
the air bags not going off in that collision is a little unsettling, imo.
 

NutBucket

Lifer
Aug 30, 2000
27,036
548
126
It's probably for the best. Airbag sensors are a lot more selective than they used to be. It really doesn't take much to cause all the cosmetic damage.

OP, I would guess you were traveling less than 30MPH?
 

Dustan Whitworth

Junior Member
Dec 7, 2019
10
1
36
Oh trust me, i've done plenty of business with car insurance companies to know that they'll always repair something as long as it's below what the car is actually worth. I had a car repaired and the total repairs came out to almost $3200 when the car was only worth about $3400. The repair shops know how much to charge to get the job. I would have rather just had a check for the $3200 than repair it at the time.
It got totaled
 

Dustan Whitworth

Junior Member
Dec 7, 2019
10
1
36
Surprised the airbags didn't deploy from that. Was going to say if the air bags went off then it's probably guaranteed to be written off.

I think it'd be pretty close considering your entire front end + fenders got smashed pretty good. To be honest hope you'd get it totalled and use the money for a new car. It'd be pretty hard to try to sell the car with that damage on record.
It got totaled
 
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