Fuuuuuuck. Fuck fuck fuck fuck

"Cash Rewards" (cashrewards) 05/23/2019 at 15:14 • Filed to: None

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Got hit today. Minding my own business. Stationary at a traffic light in middle lane. Huge truck inches forward and right to swing wife to make a left. Hits me. Guy was super nice and apologetic. Officer declared him at fault as I was in my lane  and stationary. I just hope this doesn't total me. It's a 2001 with 170k miles. Virginia law is 75% value is salvaged. I literally just got this thing aligned, and was driving to a garage to get help with a stuck bolt to mount my race seat. 

CB > Cash Rewards 05/23/2019 at 15:23

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Shit dude, that sucks. Glad you’re okay, though.

shop-teacher > Cash Rewards 05/23/2019 at 15:25

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UGGGGHHHHHHHH!!!!!!!!! That sucks!!!!!

Chariotoflove > Cash Rewards 05/23/2019 at 15:26

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Well crap.  At least you won’t have to argue about fault with a clear determination.  Even if totaled, maybe you can still keep it and fix.

WilliamsSW > Cash Rewards 05/23/2019 at 15:28

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Fuck. That sucks.  But what Chariot says - keep it either way.

Demon-Xanth knows how to operate a street. > Cash Rewards 05/23/2019 at 15:29

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That is a sign that you have entirely too many fenders...

Akio Ohtori - RIP Oppo > Cash Rewards 05/23/2019 at 15:31

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Good on you for not murd iliating him.  I don’t think I would have been so kind.

vondon302 > Cash Rewards 05/23/2019 at 15:31

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Ugh. 

Chariotoflove > Akio Ohtori - RIP Oppo 05/23/2019 at 15:33

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That’ s the big fear in an older, tiny Miata, that a big ole truck will come by and smash you no matter how well you drive.

Snuze: Needs another Swede > Cash Rewards 05/23/2019 at 15:34

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That sucks, sorry to hear it. Where were you at when it happened ?

Deal Killer - Powered by Focus > Cash Rewards 05/23/2019 at 15:36

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Here’s an idea, if it’s just cosmetic, d on’t fix it. That’s called patina.

For Sweden > Cash Rewards 05/23/2019 at 15:36

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You could have it repaired...OR you could cut away the fenders and install huge mud tires.

lone_liberal > Cash Rewards 05/23/2019 at 15:38

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I hate p eople who think they have to swerve right to turn left. Unless you’re driving a bus or a semi there is no reason for it. 

Tripper > Cash Rewards 05/23/2019 at 15:45

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I know that this isn’t always the case, but the one car I totaled I got more from insurance than I paid for the car. Paid 12,0 00 for my 2001 MP5, got a check for $14,500 from the insurance company.

sm70- why not Duesenberg? > Chariotoflove 05/23/2019 at 15:54

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I have that fear driving the Spider, which is like a less well-screwed together NA Miata

Akio Ohtori - RIP Oppo > sm70- why not Duesenberg? 05/23/2019 at 16:00

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Ditto!  Fitting a loud horn helped.

smobgirl > For Sweden 05/23/2019 at 16:05

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I vote this.

Cash Rewards > For Sweden 05/23/2019 at 16:07

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Or fat ass slicks...

Cash Rewards > Demon-Xanth knows how to operate a street. 05/23/2019 at 16:07

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Or excuse to cut and widebody...

Cash Rewards > Chariotoflove 05/23/2019 at 16:08

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Honestly, even my civic he wouldn't have seen me. Truck, yeah

That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms > lone_liberal 05/23/2019 at 16:09

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Even then, they teach you not to. In a tractor trailer you go past the turn and come back, not swing out wide. 

Cash Rewards > sm70- why not Duesenberg? 05/23/2019 at 16:10

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Loud exhaust should be louder. Taking out the baffle now

Cash Rewards > Chariotoflove 05/23/2019 at 16:10

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Yea h. Hadn’t wrapped it yet. Get a payout, have them prime, not paint, pocket cash

Cash Rewards > Deal Killer - Powered by Focus 05/23/2019 at 16:11

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Too far in. Creased metal isn't a good look. Plus they're paying

Cash Rewards > Tripper 05/23/2019 at 16:11

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I definitely will get more. But, I replaced the soft top, installed coilovers and sway bars, and that's not included

Cash Rewards > Snuze: Needs another Swede 05/23/2019 at 16:11

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Right in town in Vienna. Maple Ave. 

Cash Rewards > CB 05/23/2019 at 16:12

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Thanks, that is the important thing

Cash Rewards > WilliamsSW 05/23/2019 at 16:12

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Yeah, just talked to USAA. They explained the process if it comes to that

Cash Rewards > shop-teacher 05/23/2019 at 16:12

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Al igned literally 2 he previous

Chariotoflove > Cash Rewards 05/23/2019 at 16:17

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I mean, I understand why people get Explorers and Tahoes here in Texas even if they’re not truck people. At any given stop light, you can feel in a car  like you’re at the bottom of a ravine. :|

Chariotoflove > Cash Rewards 05/23/2019 at 16:17

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Accentuate the positives.

The Ghost of Oppo > Cash Rewards 05/23/2019 at 16:26

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Time to stance it

Cash Rewards > Chariotoflove 05/23/2019 at 16:26

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This truck would not have seen me in a lot of cars. But that miata, lowered, will disappear around anything bigger than a f150. I will not take that car to work after this. On dc metro beltway? Nope

Cash Rewards > The Ghost of Oppo 05/23/2019 at 16:27

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I literally just lowered it! I just got back from the alignment shop 2 hours earlier!

Keylube > Cash Rewards 05/23/2019 at 16:29

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As a fellow NB owner, a 2001 with that many miles isn’t worth much anyways. I’d just leave it the way it is. Or have a Paintless Dent Removal guy take a look, they can sometimes work miracles .

Cash Rewards > Keylube 05/23/2019 at 16:36

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I was planning on wrapping it anyway. I'll take a new primered panel, don't worry about paint

shop-teacher > Cash Rewards 05/23/2019 at 16:43

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Turrible.  Just turrible.

Tripper > Cash Rewards 05/23/2019 at 16:49

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oof the soft top. Did you DIY because PROPS if you did.

Monkey B > Cash Rewards 05/23/2019 at 16:51

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there are a few PDR guys that can do well with that. At worst I’d have them push on it until taking it to a body shop to have filled and primed before having it wrapped . Replacing the quarter panel is not necessary and I’d avoid it at this point, plus it’s easier to avoid having it totaled if you ask them to repair, not replace it, and no blend panels. Keeping the estimate down could get it in the shop.

arl > Cash Rewards 05/23/2019 at 17:03

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Sorry about the crash. Glad you’re OK.

Manwich - now Keto-Friendly > Cash Rewards 05/23/2019 at 17:14

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I’d say there’s a 75% chance that it will be totaled given the age and the mileage.

Cash Rewards > Tripper 05/23/2019 at 17:20

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Myself. It’s probably not bad 2nd time around, but first time sucks

Cash Rewards > Monkey B 05/23/2019 at 17:22

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Virginia law is 75% damage is totalled. I hope I get just under, then take it to a pdr guy and pocket the rest.

Cash Rewards > Manwich - now Keto-Friendly 05/23/2019 at 17:22

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Yeah, unfortunately. 

Cash Rewards > arl 05/23/2019 at 17:22

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Thanks!

Cash Rewards > lone_liberal 05/23/2019 at 17:34

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It was a semi, in it's defense. But no, not really

Rust and Dust - Oppositelock Forever > Cash Rewards 05/23/2019 at 17:40

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VA salvage law 75% only applies if under 10 years of age, or worth more than $10,000.

Insurance can (and will probably want to) go to 100% of ACV before totalling your car.

Cash Rewards > Rust and Dust - Oppositelock Forever 05/23/2019 at 17:51

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Can you provide a bit more info? A link perhaps? Where does acv come from? Thanks!

Wrong Wheel Drive (41%) > Cash Rewards 05/23/2019 at 18:07

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Rear quarter damage of any sort will definitely total any miata unfortunately. I did have them replaced on my car (rust and accident damage worse than this) but it was at the cost of nearly 100 hours of labor doing all sorts of welding. Granted both sides and the rockers were also replaced, but its very much a custom weld in job. The panels are cheap (~ $200 per panel on rock auto ) but its the labor hours that will kill you.

Unfortunate, but if the alignment isnt screwed up or anything is bent in the back you can certainly just drive it as is.

Rust and Dust - Oppositelock Forever > Cash Rewards 05/23/2019 at 18:26

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I don’t have a link to the statute, but I’ve been writing estimates and managing collision repair shops in VA for close to 15 years, and it's something that comes into play monthly for me.

ACV (actual cash value) is determined by a valuing tool within ADP/Mitchell/CCC software (varies from carrier to carrier as to which is used), but NADA and KBB can usually give a pretty accurate idea of value.

Cash Rewards > Wrong Wheel Drive (41%) 05/23/2019 at 18:28

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Shit. My insurance is going through them so CE I don't carry collision on that car. I want something done to fix it, even if it's dent removal. I'd love to pocket some money for this too, if they pay money to fix it right that I take some to dent removal, and buy go fast parts with the rest. But I gotta deal with a rebuilt title inspection, and I got autocross next weekend. Might have to drag my feet a bit to not get my registration revoked

Wrong Wheel Drive (41%) > Cash Rewards 05/23/2019 at 18:31

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Dent removal (aside from some PDR magic) would definitely include extensive body filler to get it right. I think PDR could definitely do something to get it “better” but those panels arent usually that fixable, especially if it’s beyond a small dimple. Even if totaled, the payout should be nice and assuming you werent trying to sell the car, it would be worth using the money to do some sort of PDR “fix” and pocket the rest. 

Also, d id the wheel get pushed at all also? Does it drive straight? Make any noise while driving? 

HFV has no HFV. But somehow has 2 motorcycles > Cash Rewards 05/23/2019 at 19:07

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That’s a real bummer. At least the damage is only cosmetic 

Cash Rewards > Rust and Dust - Oppositelock Forever 05/23/2019 at 19:22

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Thsnks. I’m been trying to pull info off the dmv website and didn’t see that. If it does get salvaged, do you know what needs to be fixed to get a rebuilt title? Since it's just cosmetic body work, does it matter? It just passed safety inspection a few months ago, and emmisions literally 5 minutes before  

Cash Rewards > Wrong Wheel Drive (41%) 05/23/2019 at 19:23

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Drives fine, so I hope should be cosmetic. Truck was inching forward

Rust and Dust - Oppositelock Forever > Cash Rewards 05/23/2019 at 19:32

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I’ve never seen it in print anywhere, but I’ve had numerous major carriers (NWide, SFarm, Erie, Allstate, USAA, Geico, Farmers, etc) go by it.

It might not even total. I hate writing estimates from photos, but a good shop will probably want to detrim and blend the door and possibly the trunk (buckle looks to run high in the quarter) , and detrim (convertible top belt, taillamp, and rear bumper cover) , pull and repair the quarter panel. You’d be surprised what a couple hours of pins/tabs, pulls and hammer strikes can do to relax that buckle. Polish that wheel (or throw a used/reconditioned wheel at it) and give it a 4 wheel alignment.  

Pending labor rates, you’re probably in the $1800-2000 neighborhood for a repair estimate, which may not kill the car.

Cash Rewards > Rust and Dust - Oppositelock Forever 05/23/2019 at 20:41

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I hope you’re right. The good news is the wheels and clea r coa st are shot. No need to fix wheel or blend paint. But as wrong wheel drive pointed out, that panel is welded in. I'm stuck where I don't need it perfect, but want them to pay for it, but don't want it totalled. 

ateamfan42 > Cash Rewards 05/24/2019 at 09:54

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A good body shop should be able to provide a fairly accurate estimate of the repair cost, and that number is what the insurance will use to determine a payout . Since the other driver was 100% at fault, you should be able to go after their insurance for the full cost of the repairs. I can’t imagine that insurance company can force you to total if you don’t want to— I think that decision only comes into play if your insurance is paying out the claim.

However, if your insurance totals, take the check and buy back the car . Fix anything safety related (based on the photo it doesn’t appear there is anything of concern there) so you can get a rebuilt title, and then decide what cosmetic issues you want to deal with (or not).

It’s not a high value car, so a rebuilt title isn’t going to be a massive problem for resale value. If you ever think you are going to want to sell the car one day, take a ton of photos before and after repairs so you can put a future buyer at ease about the rebuilt status.

Cash Rewards > ateamfan42 05/24/2019 at 11:05

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Problem with the buyback, if it comes to that, is apparently VA wants all damage fixed, even cosmetic, to get a rebuilt title. Then, it apparently takes 4-8 weeks to get said title. Goodbye summer driving and autocross season.