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Will they total it?


russian rocket

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well... like a real man, i use my audi to hunt deer and finally got one

 

quick background, i have a 02 audi s4 with 140k on it. heading home last night from class, a doe and a buck jump out in front of me, the doe makes it by but i end up hitting the back end of the buck. he was a big son of a bitch to but strangely enough, i barely felt it. i pull over and my power steering stops working and i have my dash light up with indicator lights.

i went to the tow yard today and got a better look at the car. broken radiator, smashed hood, broken bumper, broken timing belt cover, broken power steering reservoir, smashed fender which is slightly pushed into the door, headlight and fog light are destroyed, core support is bent and broken, hood strut broken and the metal bracket on the chassis is bent over and ripped, bunch of wires ripped apart and probably a couple other things that i can not see. insurance is coming out on Monday to look at it, im just trying to get a sense of if they will fix it or total it.

 

btw, the police found the buck, said it made it about 200yds into a bean field before dropping and died on its own.

 

http://i22.photobucket.com/albums/b331/kliped/photobucket-18827-1348863160807.jpg

http://i22.photobucket.com/albums/b331/kliped/photobucket-18824-1348863159623.jpg

http://i22.photobucket.com/albums/b331/kliped/photobucket-13779-1348863156155.jpg

http://i22.photobucket.com/albums/b331/kliped/photobucket-13780-1348863157284.jpg

http://i22.photobucket.com/albums/b331/kliped/photobucket-13781-1348863158436.jpg

http://i22.photobucket.com/albums/b331/kliped/photobucket-15130-1348863154917.jpg

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80% of KBB is what they use for the total point (well, most insurance companies do). It's AMAZING the amount of "hidden" damage they can find on a car when it's in that magic 7-15 year range...where they aren't new, but aren't a "Collector" car yet. They'll probably total it by quoting new OEM parts from their tame bodyshop to get the price of the repairs up.
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80% of KBB is what they use for the total point (well, most insurance companies do). It's AMAZING the amount of "hidden" damage they can find on a car when it's in that magic 7-15 year range...where they aren't new, but aren't a "Collector" car yet. They'll probably total it by quoting new OEM parts from their tame bodyshop to get the price of the repairs up.

 

most insurances are using a market value, not book values. and Ohio is 100% of the value (west virgina is 75%). but you have to take into consideration what the salvage value is (ie. worth 5k and salvg is 1k, then the estimate only has to be 4k for it to total.) And insurance companies will right whatever parts are most cost effective whether is a total or not, they want to do whatever is more cost effective.

 

with this car, it will bring in good salvg value and the parts are not cheap and not much aftermarket or used available so the damage will add up fast.

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most insurances are using a market value, not book values. and Ohio is 100% of the value (west virgina is 75%). but you have to take into consideration what the salvage value is (ie. worth 5k and salvg is 1k, then the estimate only has to be 4k for it to total.) And insurance companies will right whatever parts are most cost effective whether is a total or not, they want to do whatever is more cost effective.

 

with this car, it will bring in good salvg value and the parts are not cheap and not much aftermarket or used available so the damage will add up fast.

 

Came in to post this, wasn't quick enough. But listen to this guy because he knows what he's talking about.

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I've had 4 car totalled out now...99ta, if you work for a company that uses 100% of market, than they are an exception in my experience. I've always run into that 80% number, and 2 of my cars came out at right around 70% until the company switched to more expensive OEM parts...generics WERE available for cheaper, and were originally spec'd in the estimate.
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