My car got smacked up, what on earth do I do?

"Yowen - not necessarily not spaghetti and meatballs" (yowen) 11/28/2018 at 09:03 • Filed to: None

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It’s a 2010 SHO, with 90,500 miles. They are wanting to total it after an adjuster came up with $6250 in repairs. Insurance is offering me $11.5k for it, the kicker is, they’ll let me keep it for $1447. So essentially I walk away with $10k and the car. What would you do oppo? So far I know it needs several supports, the crash bar, bumper/fender/hood and a headlight.

possibilities:

take all the money and run (go find myself a new car)

take the car to a mechanic and have him figure out if the damage is all/mostly cosmetic

?

edit 9:45am: forgot to metnion the car still drives straight, no weird noises/clunks/rattles and has not leaked any fluids for a week now.

Nibby > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:15

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take all the money

buy yourself a luxurious ford tempo

give the rest to me

random001 > Nibby 11/28/2018 at 09:19

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Best answer.

E90M3 > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:19

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Depends on what your long term plans with it were, if it was to ditch it soon, take the money and walk away. If you were planning on running the wheels off, buy it back and repair it. 

Ash78, voting early and often > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:19

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This is like some Kevin O’Leary deal on Shark Tank where his entire goal is to confuse you into accepting.

Insurance is weird.

farscythe - makin da cawfee! > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:19

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take the ten grand

rip the bumper and hood off

go demolition derby

buy 10 1 grand beaters after

OpposResidentLexusGuy - USE20, XF20, XU30 and Press Cars > Nibby 11/28/2018 at 09:20

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Take the money and buy the car

Buy a luxurious ford tempo

Engine swap the tempo with the SHO engine

Nibby > random001 11/28/2018 at 09:21

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thankee

adamftw > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:21

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If you keep it, are they giving you a salvage title, too? Depends on what that means in your state.

If you love the car, the $10k and keeping it (considering the title issue of course) seems like a deal you can’t walk away from. You could probably source junkyard body panels for WAY cheaper, the SHO body  parts are the same as a regular Taurus, right?

Nibby > OpposResidentLexusGuy - USE20, XF20, XU30 and Press Cars 11/28/2018 at 09:21

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fintail > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:21

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Replace the headlight, duct tape/ziptie any loose ends, drive as-is, profit.

OpposResidentLexusGuy - USE20, XF20, XU30 and Press Cars > random001 11/28/2018 at 09:22

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Not anymore

random001 > OpposResidentLexusGuy - USE20, XF20, XU30 and Press Cars 11/28/2018 at 09:22

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Better answer.

random001 > OpposResidentLexusGuy - USE20, XF20, XU30 and Press Cars 11/28/2018 at 09:22

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Confirmed.

OPPOsaurus WRX > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:25

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strip the damaged body work off, add some free standing bumpers and a couple wheel hugging fender, make a Taurus hotrod thing

Yowen - not necessarily not spaghetti and meatballs > adamftw 11/28/2018 at 09:32

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Yeah, it’d become a salvage title. And yes the bodywork is the same as the regular Taurus for the most part. The panels in question are definitely the same.

Worst comes to worst, the engine, turbos, wheels, tires all combined are probably worth more than the $1447. Problem is, it’ll be a lengthy pain-in-my-ass process. Whether I get it running or part it out, I wouldn’t have a car for that amount of time.

HFV has no HFV. But somehow has 2 motorcycles > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:33

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Take the 10k

sell the car for 5 in it’s current state, as is. Let some more adventurous/stupid DIYer fix the car for 3k. 

have 15k for your next car.

Yowen - not necessarily not spaghetti and meatballs > Ash78, voting early and often 11/28/2018 at 09:34

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Yeah they are! They are already pressuring me to remove my belongings from the car and I’m like... “Listen here Linda! I really love this car and this is a lot to process, so you gotta give me a few days!”

Yowen - not necessarily not spaghetti and meatballs > E90M3 11/28/2018 at 09:35

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I was planning on driving it for 2 to 3 more years. I just paid the damn thing off like 3-4 months ago.

jimz > fintail 11/28/2018 at 09:37

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the intercooler is up front; if that got crunched....

$$$

fintail > jimz 11/28/2018 at 09:39

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Duct tape or unplug that, problem solved :)

Yowen - not necessarily not spaghetti and meatballs > OpposResidentLexusGuy - USE20, XF20, XU30 and Press Cars 11/28/2018 at 09:41

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man, that’d be sweet! Sadly I don’t have the facilities to do that sort of swap, haha.

Yowen - not necessarily not spaghetti and meatballs > jimz 11/28/2018 at 09:45

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Forgot to mention, the car drives perfectly straight, no leaking fluids.

Yowen - not necessarily not spaghetti and meatballs > HFV has no HFV. But somehow has 2 motorcycles 11/28/2018 at 09:45

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You think it’d sell for 5k in its current state? That’d be kinda cool.

Dr. Zoidberg - RIP Oppo > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:46

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If you’re not economically disadvantaged, I would take the money and RIP in peas that Taurus. $10k can get you a lot of car, or, a lot down on a nice new car.

E90M3 > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:49

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Right in the middle of the grey zone on what to do. Given the circ umstances, I would buy it back, fix it, and drive it for a few years. Then you have a few years without a car payment, and the SHO will be in the realm of high mileage cars where it being totaled won’t matter too much. Just take a bunch of before pictures. Since it’s an enthusiast car, you should be able to sell it to someone who would understand, especially if you drove it for years after an accident.

Yowen - not necessarily not spaghetti and meatballs > Dr. Zoidberg - RIP Oppo 11/28/2018 at 09:52

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yeah, financially speaking I’m fairly free to do whatever the hell i want. But it is hard to give up my car sooner than I had planned. And the $10k is if I keep the car, it’s $11.5k if I give it up.

I’ve considered it though, just taking the $11.5k. But I am really damn indecisive as to what I’d want next. I’ve looked at Expeditions, F-150's, MKZ’s, (newer) SHO’s, a Fusion Sport, Audi wagons, Audi sedans, Land Rovers. I’m all over the damn place.

Party-vi > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:53

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Get rid of the car and get a used Fusion S port with the same engine in a smaller package.

OpposResidentLexusGuy - USE20, XF20, XU30 and Press Cars > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:54

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If I am doing a weird engine swap such as a SHO, I would want the whole car instead of just the engine because I can pick and pull what i want to make a new car work.

Yowen - not necessarily not spaghetti and meatballs > E90M3 11/28/2018 at 09:56

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yeah, I’d just have to figure out what to drive in the meantime. Rental, Turo or Uber, I suppose.

It sure would be nice to have a the Taurus for a few more years. I’m thinking my next step might be to take it to a mechanic to have him tell me how it’s doing underneath all the damaged bodywork.

HFV has no HFV. But somehow has 2 motorcycles > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:57

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It’s still driving right? 

Yowen - not necessarily not spaghetti and meatballs > Party-vi 11/28/2018 at 09:57

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Fusion sport is the 2.7l, this has the 3.5l. And I wouldn’t turn my nose up at that 2.7l by any means, it’s a newer generation of Ecoboost and can really put out some power with a tune . However.... I’m not the biggest fan of the Fusion. I would purely be buying it for its engine, whereas the Taurus, I actually enjoy its looks.

Yowen - not necessarily not spaghetti and meatballs > OpposResidentLexusGuy - USE20, XF20, XU30 and Press Cars 11/28/2018 at 09:58

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Haha, I’d love to slap that engine in the back of a Fiero, or something real crazy, like a Corvair.

Yowen - not necessarily not spaghetti and meatballs > HFV has no HFV. But somehow has 2 motorcycles 11/28/2018 at 09:59

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Yup, drives straight, no leaking fluids, no other immediate warning signs, I’ve put about 40 miles on it since the accident (switched over to an insurance provided rental).

E90M3 > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 09:59

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Do you have rental reimbursement on your insurance? Also was this a at fault accident?

If it seems to drive fine, it might just be cosmetic . I smacked my M3 into ma garage wall. Even though it was probably a $5k+ repair, it wsa straight cosmetic, I drove the car 250 miles right after the accident .

HFV has no HFV. But somehow has 2 motorcycles > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 10:00

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They yeah I’d say it’s worth 5k 

Party-vi > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 10:06

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Ah poop - I was thinking of power numbers, but IIRC the Fusion Sport has 325 while the SHO had...more? 350?

Long_Voyager, Now With More Caravanny Goodness > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 10:18

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Buy it back, buy something mundane, swap the SHO driveline into mundane car.

Tapas > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 10:18

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Keep it for ~$1500.

Fix it for $5000 , buy a Miata for the remaining $5000 .

Yowen - not necessarily not spaghetti and meatballs > E90M3 11/28/2018 at 10:21

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Yes, I have rental reimbursement, but that jig is up 3-4 days after I decide what’s happening with the car.

I rear- ended someone, although the situation was largely beyond my control, so I didn’t get a ticket. So yes and no?

Yowen - not necessarily not spaghetti and meatballs > Party-vi 11/28/2018 at 10:23

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The SHO came stock with 365hp /350tq, the fusion is 325/380. My SHO was tuned so at the crank it was probably 400+/400+. But the Fusion probably has (near) the same potential.

Yowen - not necessarily not spaghetti and meatballs > Long_Voyager, Now With More Caravanny Goodness 11/28/2018 at 10:23

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Haha, I’d love to do that someday.

E90M3 > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 10:24

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That’s rough then, I guess you could buy a beater, but personally , I’d rent a car.

Well, that sucks, hopefully insurance doesn’t go up.

Yowen - not necessarily not spaghetti and meatballs > Tapas 11/28/2018 at 10:24

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When I made this post, I went in knowing full-well someone would suggest a Miata, haha.

Party-vi > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 11:12

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God lawd that’s a lot of power.

JustAnotherG6 > HFV has no HFV. But somehow has 2 motorcycles 11/28/2018 at 11:14

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To the right person it’s probably worth $5k in parts...

HFV has no HFV. But somehow has 2 motorcycles > JustAnotherG6 11/28/2018 at 11:18

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Yup

Yowen - not necessarily not spaghetti and meatballs > Party-vi 11/28/2018 at 11:25

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Yeah, it’d be one monster of a car if it were RWD and ya know the cherry on top: a manual. But as it is, it was a fantastic daily driver and a damn impressive onslaught of power when merging onto the highway.

Long_Voyager, Now With More Caravanny Goodness > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 11:59

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Can lend it to me and I’ll stuff it in my van....

Jokes aside, this is the universe’s way of telling you: The Time Is NOW.

Tapas > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 12:32

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I mean if you want to go off the beaten path, you can buy me the Miata :D

AestheticsInMotion > fintail 11/28/2018 at 12:33

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That seems like the best choice. I’d take some body damage and a branded title for an extra $10k in the bank

Yowen - not necessarily not spaghetti and meatballs > Long_Voyager, Now With More Caravanny Goodness 11/28/2018 at 12:58

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I’d love to stuff that into the rear of a mid-engine car. Corvair, Pantera, Fiero, etc. Or how pissed would the Parsh crowd be if I stuck it in the back of one of those?

Yowen - not necessarily not spaghetti and meatballs > Tapas 11/28/2018 at 12:59

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I’ll think about it, haha

Yowen - not necessarily not spaghetti and meatballs > HFV has no HFV. But somehow has 2 motorcycles 11/28/2018 at 13:01

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Got a mechanic scheduled to look at it Friday morning, if he can tell me it’s mechanically fine OR that he can get it to mechanically fine status for a reasonable amount of money, then that’s probably what I’ll do, and start looking for hood/fender/bumper/light at the same time .

Tapas > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 14:00

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Thanks! I’ll let you borrow it any time you need :D

Yowen - not necessarily not spaghetti and meatballs > Tapas 11/28/2018 at 14:07

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oh man you’re a pal!

Die-Trying > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 14:43

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time to toughen it up some.........

Yowen - not necessarily not spaghetti and meatballs > Die-Trying 11/28/2018 at 14:50

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Defiance, haven’t seen that show in a while!

dtg11 - is probably on an adventure with Clifford > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 15:41

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I’d say take the money and the car, if nothing else you could sell the wreck for more than $1500 easy. But it’s also a car you like, you could fix it, drive a while, and sell it while still having extra money in the bank. It’s basically a free car

Yowen - not necessarily not spaghetti and meatballs > dtg11 - is probably on an adventure with Clifford 11/28/2018 at 16:41

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I’m leaning towards that, I’ve got an appointment with a mechanic Friday morning to see how it’s doing mechanically.

JMKarstetter > Yowen - not necessarily not spaghetti and meatballs 11/28/2018 at 23:34

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Take the money, buy it back, tune it if it isn’t already, then remove all of the things, get a roll cage for it, and kick some rear at the drag strip.

Yowen - not necessarily not spaghetti and meatballs > JMKarstetter 11/29/2018 at 08:35

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Haha it is tuned, and my god would it be fast at the drag strip with all weight removed.

JMKarstetter > Yowen - not necessarily not spaghetti and meatballs 11/29/2018 at 21:48

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Yep, I have a 2015, if something similar happens with mine I plan on removing the interior and taking a sawzall and removing everything I can and turn it into a drag cart. Imagine what it could do being 1500lbs lighter and cranking up the tune .

Yowen - not necessarily not spaghetti and meatballs > JMKarstetter 11/29/2018 at 22:06

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my dream is to take the engine and subframe and graft it into a mid/rear engine car. Pantera, Fiero, Corvair, one of those!

Another real sad thing is, I have downpipes sitting in my basement ready to go in, I really do want to know what it does for the speed and sound of the SHO.

JMKarstetter > Yowen - not necessarily not spaghetti and meatballs 11/29/2018 at 22:42

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That would be sweet!

Have you done anything other than the tune, whose tune did you go with? Depending on what you decide to do and how far away you are and pricing and stuff, I may be interested in those downpipes if they will fit my 2015.

I really want to get a really cheap wrecked f150 4x4 ecoboost and drag cart it, because those don’t have the PTU issues that plague the SHO after 500+HP.

Yowen - not necessarily not spaghetti and meatballs > JMKarstetter 11/30/2018 at 11:18

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I haven’t done anything other than the tune (aside from changing to fresh spark plugs), I went with Unleashed tuning, Torrie is true to his reputation, he has responses to emails within like 10 minutes (if that) and will get tunes to you with the quickness.

The downpipes may fit a 2015, I’m not 100% certain though, they are catless, so in today’s crackdown on that, it may scare you away, but if you’d still be interested, I’ll keep you updated.

Modifying an F150 would be sweet. It could be quite an interesting platform to start off with building something cool.