This is topic Is my car gunna be totaled? in forum General Talk at Northern California Ford Owners  .


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Posted by Wht86drop (Member # 12104) on 2012-12-03 06:05 PM :
 
So a couple days ago i had my sister start my car for me (baaaad mistake) and she ran it into the side of my dads big ass box truck. The frame is a little bent (maybe about an inch back?) and i need a new hood and fender. Ill be taking the 86 to get an estimate done on wednesday but i just wanted to know what the damages could cost me.
 
Posted by Cobra 93-4992 (Member # 4992) on 2012-12-03 06:13 PM :
 
Salvage, its over bruh
 
Posted by NEIGHT (Member # 8741) on 2012-12-03 06:15 PM :
 
It's gonna be salvage for shure.
 
Posted by 87droptop50 (Member # 7185) on 2012-12-03 06:15 PM :
 
Take a picture
 
Posted by 96stang4.6 (Member # 9970) on 2012-12-03 06:16 PM :
 
at a body shop 1000-2500 it more than likely to be totaled since the value of the car on kbb is lower than it cost to repair
 
Posted by Wht86drop (Member # 12104) on 2012-12-03 06:25 PM :
 
My iphone doesnt let me upload pics to anythin. My dads insurance guy told him if the damages are over 3grand then theyll total it. I hope i get to keep it with a clean title. If not ill be in the market for a 86 or 93 lx vert or coupe. I text pics if you want though
 
Posted by NEIGHT (Member # 8741) on 2012-12-03 06:28 PM :
 
Put it this way my boys fox got backed into N they fucked up one fender N a corner light N it's salvage title now shit ain't even bad at all.
 
Posted by sneakyfox90 (Member # 9379) on 2012-12-03 06:34 PM :
 
If you get an estimate on it they will salvage it out guaranteed
They also decide by the value of the care compared to the damages that's probably why he said 3k because that's what the car would be roughly valued at.
I Definately would not get an estimate and would fix it myself
If the front subframe is bent and if it may need a radiator support u can get that done for around a grand

[ December 03, 2012, 06:45 PM: Message edited by: sneakyfox90 ]
 
Posted by Wht86drop (Member # 12104) on 2012-12-03 06:38 PM :
 
I guess im getn another one then. Atleast i didnt put the cobra brakes on it yet so thats less work
 
Posted by Cobra 93-4992 (Member # 4992) on 2012-12-03 07:03 PM :
 
Yep even a small fender bender means the dreaded S word for ya.
 
Posted by Wht86drop (Member # 12104) on 2012-12-03 08:07 PM :
 
Do you guys think they only use kbb? Because i was looking on nadaguides.com and it said 4800 for low retail. I know its not kbb but it gives me a little idea of value
 
Posted by SwEeT 03 Gt (Member # 10283) on 2012-12-03 08:19 PM :
 
quote:
Originally posted by Wht86drop:
Do you guys think they only use kbb? Because i was looking on nadaguides.com and it said 4800 for low retail. I know its not kbb but it gives me a little idea of value
insurance isnt going to give you retail
 
Posted by Robb (Member # 9444) on 2012-12-03 08:28 PM :
 
I could probably kick a dent on the side of a fox and it would be totalled because they are worthless in the general world.
 
Posted by Slowsn96 (Member # 10365) on 2012-12-03 08:43 PM :
 
KBB value on foxbody's are like 1000-1200 lol
 
Posted by 89SaleenCoupe (Member # 8695) on 2012-12-03 08:46 PM :
 
Salvage title Fo sho.... [patriot] [patriot]
 
Posted by Blue92 (Member # 8789) on 2012-12-03 08:50 PM :
 
Most likely will become salvaged. If that is the case, buy it back and part it. Or use towards another car.
 
Posted by solbrothers (Member # 7524) on 2012-12-03 09:21 PM :
 
do you have full coverage?

why not just not report it and fix it yourself?
 
Posted by Wht86drop (Member # 12104) on 2012-12-03 09:36 PM :
 
Full coverage is 300 a month for me so i hada go with liability for 120. I dont even wana part it kuz its probaly not worth it. Ill probably just strip the motor tranny seats and get another but better
 
Posted by WILDMAN97 (Member # 9138) on 2012-12-03 10:21 PM :
 
I thought liability coverage only covered the other persons car if you hit them and you are on your on to fix yours.
 
Posted by NEIGHT (Member # 8741) on 2012-12-03 10:48 PM :
 
quote:
Originally posted by WILDMAN97:
I thought liability coverage only covered the other persons car if you hit them and you are on your own to fix yours.
It is.
 
Posted by StangCity510 (Member # 11711) on 2012-12-03 11:39 PM :
 
quote:
Originally posted by Wht86drop:
So a couple days ago i had my sister start my car for me (baaaad mistake) and she ran it into the side of my dads big ass box truck. The frame is a little bent (maybe about an inch back?) and i need a new hood and fender. Ill be taking the 86 to get an estimate done on wednesday but i just wanted to know what the damages could cost me.
Wait thought u told her "START MY CAR".
 
Posted by Cobra 93-4992 (Member # 4992) on 2012-12-04 12:53 AM :
 
quote:
Originally posted by NEIGHT:
quote:
Originally posted by WILDMAN97:
I thought liability coverage only covered the other persons car if you hit them and you are on your own to fix yours.
It is.
Good news then, this will be a salvaged non salvage title car. ...
 
Posted by Wht86drop (Member # 12104) on 2012-12-04 01:40 AM :
 
Huh??? Hows that gunna work?
 
Posted by SLOWFOX (Member # 11067) on 2012-12-04 02:09 AM :
 
Well last month some beezy backd into my fox at work and took off some chick saw and took down her info bitch had farmers I went in it was just a penny size paint peel and got 978 bucks so I dont think fox's are consider total garbage.
 
Posted by Wht86drop (Member # 12104) on 2012-12-04 02:40 AM :
 
That makes me feel a little better because my dad had reported it to his insurance and he has farmers
 
Posted by 96stang4.6 (Member # 9970) on 2012-12-04 12:57 PM :
 
but if you dont have a deductable for collision it will not be covered, liability is for if you hit a car or hurt someone. The damage you do is your responsibility, its the same thing if it gets stolen, insurance wont payout if you dont have a theft deductable. they wouldnt replace my window in my car when it got broken in

[ December 04, 2012, 01:00 PM: Message edited by: 96stang4.6 ]
 
Posted by East Bay 50 (Member # 8081) on 2012-12-04 01:06 PM :
 
quote:
Originally posted by Wht86drop:
Full coverage is 300 a month for me so i hada go with liability for 120. I dont even wana part it kuz its probaly not worth it. Ill probably just strip the motor tranny seats and get another but better
300 a month for an 86 mustang? Jesus Christ! Do you have 5 DUI's or something? might want to try a new insurance company....
 
Posted by Wildfire532FB (Member # 1482) on 2012-12-04 01:15 PM :
 
quote:
Originally posted by East Bay 50:
quote:
Originally posted by Wht86drop:
Full coverage is 300 a month for me so i hada go with liability for 120. I dont even wana part it kuz its probaly not worth it. Ill probably just strip the motor tranny seats and get another but better
300 a month for an 86 mustang? Jesus Christ! Do you have 5 DUI's or something? might want to try a new insurance company....
Yeah wtf?! I pay 180 something for my 95 GT for 6 months.
 
Posted by 50Reasons (Member # 6452) on 2012-12-04 02:24 PM :
 
quote:
Originally posted by East Bay 50:
quote:
Originally posted by Wht86drop:
Full coverage is 300 a month for me so i hada go with liability for 120. I dont even wana part it kuz its probaly not worth it. Ill probably just strip the motor tranny seats and get another but better
300 a month for an 86 mustang? Jesus Christ! Do you have 5 DUI's or something? might want to try a new insurance company....
Young drivers with a couple ticks and driving a mustang pay that rate sounds right to me
 
Posted by Wht86drop (Member # 12104) on 2012-12-04 05:31 PM :
 
Im 19 guys. But i didnt report it to my insurance, my dad reported it to his and said that he reversed into me car pulling into the driveway in the rain. Ive tried going to other companies but its useless becauce i get the same prices. When i first got my license a year ago i had a 74 duster and they had me pay 130 a month for liability. This sucks hahaha
 
Posted by Wht86drop (Member # 12104) on 2012-12-04 05:35 PM :
 
Oh yea and i had like 2 stupid tickets before i got my license and 3 right after with 2 accidents one 100% my fault and the other 52% my fault.
 
Posted by 96stang4.6 (Member # 9970) on 2012-12-04 05:46 PM :
 
im 19 and i pay 100 a month for a 2007 gt and a 93 chp
 
Posted by Wht86drop (Member # 12104) on 2012-12-04 05:55 PM :
 
Wtf? Lol i need whatever insurance you got
 
Posted by ed650 (Member # 9897) on 2012-12-04 06:14 PM :
 
im 20 and pay $680 a year full coverage for my 1990 I'm on my dads insurance policy though.
 
Posted by NEIGHT (Member # 8741) on 2012-12-04 06:21 PM :
 
I'm glad I don't have my own insurance. I'm 20 with 2 points N got full coverage on my car with AAA I don't pay much either kuz it's under my moms name. So I guess legally the '86 belongs to my mom it's registered N insured under her name.
 
Posted by Robb (Member # 9444) on 2012-12-04 06:35 PM :
 
When I was 19 I paid $690 for a 98 camaro z28, 98 gt, 92 f150 for a full year under my name. Crazy how much some of you pay for insurance on an old mid 80s mustang lol.
 
Posted by ed650 (Member # 9897) on 2012-12-04 06:46 PM :
 
quote:
Originally posted by NEIGHT:
I'm glad I don't have my own insurance. I'm 20 with 2 points N got full coverage on my car with AAA I don't pay much either kuz it's under my moms name. So I guess legally the '86 belongs to my mom it's registered N insured under her name.
Haha one day your going to screw up and she's gona threaten you by telling you shes gona take the car away
 
Posted by NEIGHT (Member # 8741) on 2012-12-04 06:57 PM :
 
quote:
Originally posted by ed650:
quote:
Originally posted by NEIGHT:
I'm glad I don't have my own insurance. I'm 20 with 2 points N got full coverage on my car with AAA I don't pay much either kuz it's under my moms name. So I guess legally the '86 belongs to my mom it's registered N insured under her name.
Haha one day your going to screw up and she's gona threaten you by telling you shes gona take the car away
Lol yeah right she tries that I'm laying stripes in front the house!
 
Posted by WILDMAN97 (Member # 9138) on 2012-12-04 07:52 PM :
 
Foxbody + Bent frame = Salvage

I had a friend that had his coupe keyed, went to claimed it under his insurance and they told him if they go ahead with the claim it would be salvaged.
 
Posted by Blue92 (Member # 8789) on 2012-12-04 08:21 PM :
 
quote:
Originally posted by NEIGHT:
quote:
Originally posted by ed650:
quote:
Originally posted by NEIGHT:
I'm glad I don't have my own insurance. I'm 20 with 2 points N got full coverage on my car with AAA I don't pay much either kuz it's under my moms name. So I guess legally the '86 belongs to my mom it's registered N insured under her name.
Haha one day your going to screw up and she's gona threaten you by telling you shes gona take the car away
Lol yeah right she tries that I'm laying stripes in front the house!
That's mature. [Roll Eyes]
 
Posted by Wht86drop (Member # 12104) on 2012-12-04 08:43 PM :
 
Well tomorrows judgement so we'll see what happens. Even though i know whats gunna happen u still gota have hope for the best. Would hate to see her go...
 
Posted by Wht86drop (Member # 12104) on 2012-12-05 05:28 PM :
 
Just took the car to cooks collision in redwood city and they told me that since the car is over 20 years old they have to send an adjuster out to where the car is to figure out the value or somethin. He also took pictures all around the car and interior. I cleaned the car in n out before i took it so hopefully it looks clean in the pics he took. I dont know what the interior pics are for though..
 
Posted by East Bay 50 (Member # 8081) on 2012-12-05 05:32 PM :
 
quote:
Originally posted by Wht86drop:
Wtf? Lol i need whatever insurance you got
You need to learn to drive and stop getting stupid tickets! lol
 
Posted by Wht86drop (Member # 12104) on 2012-12-05 06:01 PM :
 
Lol i try not to get any now
 
Posted by FordRyderz510 (Member # 6771) on 2012-12-05 07:02 PM :
 
And I saved while bunch of insurance by driving away from the scene
 




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