Will they Total my car?

[Tonymiabmw]

I posted pics and a video of my wreck that happened on Saturday in F80 forum(driver ran a red light).Think there is any chance they wont total the car? Im hoping they will, sounds like a headache if they don't. Any chance they would try to fix it? Front and driver side air bags. It has 62k miles and KBB is $36k

[Sektion9]

always a chance, hard to tell from just this image.

Either way good luck with the outcome and be thankful you came out of this ok!

[krx927]

Indeed it is hard to tell from this picture. BTW how fast were you driving at the moment of impact?

Glad to see you are fine!

[Tonymiabmw]

Originally Posted by krx927

Indeed it is hard to tell from this picture. BTW how fast were you driving at the moment of impact?

Glad to see you are fine!

going 40 I think heres a video if its to hard to tell by the pic

[///M Power-Belgium]

Personal i'm thinking totaled 90 % chance !
Saw your accident also yesterday in ///M4 section and feel sorry about your luck .

[M3 Esq]

Looks totaled to me but I'm no expert. Iirc it's like $2500 per airbag alone to replace plus all of the damage to the interior that causes. And you have extensive front end damage. They will tear the car down and assess but like I said that looks totaled. Hope ur ok.

[miringrains]

Depends on internal damage, its the most expensive

[E46M3forRay]

totaled

[///M3Fresh]

OP- I am glad you are safe and no one was hurt. One of my M cars was in a similar situation not too long ago.

it looks expensive. I am no adjuster but I dont think there is 36k worth of damage there.

FYI try to be there when an adjuster comes to assess the car, some are pretty laid back and will pretty much as you how you feel about totaling or fixing it. if the damage is close to it.

If they total it, ask about the buy back price, I want that red interior!! lol

[ghost4blind]

most insurance companies declare a car totaled if the estimated cost of repair exceeds a certain percentage of the total worth of the car. Some companies will also give you a choice to either total the car or pay out for repair. From this photo I would say it will be totaled.

[rdoctor]

Sorry for your loss but glad you are OK...and in the video....those are some tough ass headlights

[VMcV3y]

Originally Posted by rdoctor

Sorry for your loss but glad you are OK...and in the video....those are some tough ass headlights

I was just thinking the same thing. Damn.

- V

[slicer]

I would definitely want them to total it. I'm glad you are ok.

[hlmiii]

Originally Posted by ghost4blind

most insurance companies declare a car totaled if the estimated cost of repair exceeds a certain percentage of the total worth of the car.

This.

A "total" is not something where the repair dollars equal or exceed the book value immediately prior to the accident.
A (preliminary) determination is based upon the company's percentage/value guidelines. It's usually in the 75% - 85% area, depending upon the company, the car and the market area.

A final decision takes into account the chances that the repair will ultimately go over the estimate, the owner's history, the integrity of the repaired car, the diminished value, etc. The owner can often have some input.

Assuming $36k book an 80% repair cost here would be close to $29k. Close call in my opinion - but worth shooting for.

Good luck.

[Quicksilv3r]

I would assume total loss.

[jeff@autocouture]

definitely looks totaled

[smmmurf]

Almost positive it's going to be totalled

[Brian0473]

I'll be astonished if they don't total it.

[thekurgan]

I've seen less damaged vehicles totaled, so I'm going with the total crowd.

Why was this posted in the M4 area, btw.

[RR-NYC]

I would be very, very surprised if they repair it.

[Markao66]

it seems in the video that A pillar was damaged. totaled without a doubt.

but thank GOD you walked out of it okay. cars can always be replaced

[ghost4blind]

Originally Posted by hlmiii

This.

A "total" is not something where the repair dollars equal or exceed the book value immediately prior to the accident.
.

I never said that that the repair dollars need to equal or exceed the book value. Like I said It was to be above a certain percentage of the value of the car not the whole this. I was dealing with a similar situation when someone crashed into my girlfriend's accord. And that is exactly what the insurance company said.