Jonan1647545505 Posted December 29, 2008 Report Share Posted December 29, 2008 ok need some input here. my lil bro (18) got a 95 camaro z28 not to long ago (3monthsish) and got tboned on polaris near maxtown. beautiful car, used to be a show car only had like 100k on it super clean in and out. engine was stock but had all sorts of bolt ons, headers, intake, full exhaust, some sort of programmer, im sure other stuff too that he/i didnt know about, suspension mods, wheels, etc. he got a loan, actually mom did, he was paying the note. thats how i bought my first car, only i bought an exploder. anyway, the loan was for $7800, i asked him at xmas what it was booked at he said $4500. i immediately asked if he had gap ins he said wtf is that?! he obviously had full coverage 100/300/100. both him and the lady are fine btw. the lady that hit him was at fault, he was obeying the law, she turned left into him and pushed him up over the curb. car is gone now. he and the lady both have statefarm. my bro and mom are waiting to see what happens and i dont want him to get dicked over on this. ive never seen him happier since the divorce he even got a second job to pay for ins and gas! i really think this car was what he needed to steer him in the right direction, responsibility wise for life. input thoughts ideas help info?? is he just screwed with the loan? should he get the car back and try and part it out? find a shell and swap everything? thanks b4: http://i273.photobucket.com/albums/jj227/elfboy98/b4.jpg after: http://i273.photobucket.com/albums/jj227/elfboy98/after.jpg Quote Link to comment Share on other sites More sharing options...
Dubguy85 Posted December 29, 2008 Report Share Posted December 29, 2008 wow.....Nice car.....Not sure how insurance works, but that was a sick car! good luck with everything! Quote Link to comment Share on other sites More sharing options...
AWW$HEEET Posted December 29, 2008 Report Share Posted December 29, 2008 why do people call loans, "notes". its a fucking car loan, not a "car note" Quote Link to comment Share on other sites More sharing options...
Jonan1647545505 Posted December 29, 2008 Author Report Share Posted December 29, 2008 i did call it a loan, the "notes" i was referring to was the notebook that has slips to send it with your payment. thanks for your input tho! why do people call loans, "notes". its a fucking car loan, not a "car note" Quote Link to comment Share on other sites More sharing options...
downingracing Posted December 29, 2008 Report Share Posted December 29, 2008 Doesn't look that bad... If there isn't any frame damage (or just a little), it should be fixable. If it is, then her insurance will cover it and you're good to go. If they do total it, you can buy it back and try to get it fixed for the money you got. Might cost more than the 'value' of the car, but the insurance co will kick a little extra for 'pain and suffering' almost automatically, so hopefully that is the extra $$ needed to repair the car (or to pay off the loan). Start looking for comparable cars for sale on ebay and traderonline (or any other place listing a car like that one). Look on KBB and Edmunds and get the market value established for that car in that condition. Book value can be way high or low depending on the specific car. Do your homework and be prepared with documentation to backup what you want to see for the car. Crappy situation - glad everyone is OK. Good luck to you and your brother! Quote Link to comment Share on other sites More sharing options...
Jonan1647545505 Posted December 29, 2008 Author Report Share Posted December 29, 2008 oh yeah they said one of the pillars was done. does a damaged pillar = totalled car?? Doesn't look that bad... If there isn't any frame damage (or just a little), it should be fixable. If it is, then her insurance will cover it and you're good to go. If they do total it, you can buy it back and try to get it fixed for the money you got. Might cost more than the 'value' of the car, but the insurance co will kick a little extra for 'pain and suffering' almost automatically, so hopefully that is the extra $$ needed to repair the car (or to pay off the loan). Start looking for comparable cars for sale on ebay and traderonline (or any other place listing a car like that one). Look on KBB and Edmunds and get the market value established for that car in that condition. Book value can be way high or low depending on the specific car. Do your homework and be prepared with documentation to backup what you want to see for the car. Crappy situation - glad everyone is OK. Good luck to you and your brother! Quote Link to comment Share on other sites More sharing options...
ICEMAN1647545504 Posted December 29, 2008 Report Share Posted December 29, 2008 Not bad??? That car is totaled... There is at least $5K in damage to the car if it's done buy a cheap shop... The whole car is tweaked... (notice how the T-Top and the rear hatch are pushed up??? And how far the rear quarter is pushed in???) Quote Link to comment Share on other sites More sharing options...
NOS50 Posted December 29, 2008 Report Share Posted December 29, 2008 My Brother-In-Law just got hit in his wifes Galant.$3500.00 estimate to fix and KBB HIGH Dealer Retail is $5000.00.He is fighting with them to total it.They said cause it's under 100k mileage(it has 90k) they want to fix it. Quote Link to comment Share on other sites More sharing options...
Kevin R. Posted December 29, 2008 Report Share Posted December 29, 2008 Yeah I would call it totaled. Looks like it protected him well though. Quote Link to comment Share on other sites More sharing options...
phil Posted December 29, 2008 Report Share Posted December 29, 2008 can i buy the hood? Quote Link to comment Share on other sites More sharing options...
coltboostin Posted December 29, 2008 Report Share Posted December 29, 2008 I'll buy the tranny Quote Link to comment Share on other sites More sharing options...
kenny Posted December 29, 2008 Report Share Posted December 29, 2008 Personally it looked totaled before the wreck. Quote Link to comment Share on other sites More sharing options...
Drewhop Posted December 29, 2008 Report Share Posted December 29, 2008 If he has enough documentation he may be able to fight and get pay off on the vehicle but you dont want me to post the numbers of what the insurance company will offer for the vehicle. Good luck and be ready to fight. Quote Link to comment Share on other sites More sharing options...
phil Posted December 29, 2008 Report Share Posted December 29, 2008 again ill take the hood. Quote Link to comment Share on other sites More sharing options...
ruinms Posted December 29, 2008 Report Share Posted December 29, 2008 ill buy some parts also. Quote Link to comment Share on other sites More sharing options...
phil Posted December 29, 2008 Report Share Posted December 29, 2008 part that shit out son Quote Link to comment Share on other sites More sharing options...
Zach1647545520 Posted December 29, 2008 Report Share Posted December 29, 2008 Ouch! Hope he comes out on top with this whole deal. Quote Link to comment Share on other sites More sharing options...
Main3s Posted December 29, 2008 Report Share Posted December 29, 2008 Get the insurance to pay it off. Get salvage title part it out ??????? profit Quote Link to comment Share on other sites More sharing options...
phil Posted December 30, 2008 Report Share Posted December 30, 2008 Get the insurance to pay it off. Get salvage title part it out ??????? profit exactly Quote Link to comment Share on other sites More sharing options...
downingracing Posted December 30, 2008 Report Share Posted December 30, 2008 I've done worse and had it repaired... A good frame guy can fix just about anything. Worth fixing?? That is another question. I don't know the value of a car like this one. Anyway, good luck to you both! Quote Link to comment Share on other sites More sharing options...
SpaceGhost Posted December 30, 2008 Report Share Posted December 30, 2008 Personally it looked totaled before the wreck. :nod: Quote Link to comment Share on other sites More sharing options...
Vander Posted December 30, 2008 Report Share Posted December 30, 2008 The car looked really nice before the wreck. Good luck with insurance Quote Link to comment Share on other sites More sharing options...
Mopar Posted December 30, 2008 Report Share Posted December 30, 2008 If it books for $4500, thats totalled. Quote Link to comment Share on other sites More sharing options...
31rx7 Posted December 30, 2008 Report Share Posted December 30, 2008 Not bad??? That car is totaled... There is at least $5K in damage to the car if it's done buy a cheap shop... The whole car is tweaked... (notice how the T-Top and the rear hatch are pushed up??? And how far the rear quarter is pushed in???) Now don't be too harsh on Matt. Most of us that road race are used to taking any twisted pile of junk and turning it into something that can be aligned (with coercion) and driven. Regarding the insurance, as mentioned elsewhere, if you can get something to document the value of the car over book, like receipts or sales of comparably modded Camaro's you might have a chance. My son's old Neon was totalled and they offered $2100 for it but I was able to get $2700 for it by showing the receipts from the added parts. Plus, it helped that it was an ACR version so if this one is an SS or 1LE or has any option combo that would make it special, see if you can show that. Quote Link to comment Share on other sites More sharing options...
ohsolow Posted December 30, 2008 Report Share Posted December 30, 2008 If they try to lowball you have an independent appraiser come and write something up. I had a buddy that had a bunch of stuff done to his S-10 and the insurance wanted to give him basically nothing because it was a 1992 with 130k. He ended up alright on it. Quote Link to comment Share on other sites More sharing options...
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