Totaled! :(

[Rampage108]

Hey all

So just got the call while on vacation they are claiming my car a total loss. So i write this very angry. Anyway the p.side rear quarter panel is oushed in a bit. cladding is destroyed. May be ale to mount a new one over damage. rear cladding is damaged on side. Have yet to see what they will offer me financially for it. I still owe 5000 for it. so rescue or surrender? very disenhearted. It has 87000 miles and a sunroof added. roof rack and other wise is in perfect shape.

[VX KAT]

Holy carp I hate to hear that.
There's several threads here, most recently by VT_Maverick, which give some ideas and info on how to fight the insurance company about the "total" designation. Don't know if it would help at all, since it sounds like you have quite a bit of damage, but thought I'd mention it. ALso, some owners have bought it back from the insurance company, then you can part it out or restore it with the money the insurance gives you for it being totaled.

Think some others will chime in here with suggestions.....

[circmand]

It just might be wiser to but another VX and buy back the totaled VX and use it for parts or part it out for cash for the new VX.

[H3_VX]

OMG, not another one. Everyone needs to be more careful out there. Hope everyone was alright from the accident. It appears either we have quite a few bad VX drivers OR quite a few people that are so excited over seeing VX that they cause accident.

[vxfocus]

I got a quarter panel and cladding if you choose to fix her up

[rsteinmetz70112]

Was there any deeper damage? like to the frame? If not you could make it road legal and would on the cosmetics over time.

[Rampage108]

Thanks everyone. I am thinking of getting her back and looking for a cheaper auto shop. vxfocus i could be very interested in the cladding. will know more next week. the damage isnt deep at all but say quarter panel needs replacement. Drives completely fine. Looks worse then it is due to exposed wheel from lack of cladding. someone else locally offered a rear bumper so it seems doable. My insurance will pay me but there was no witnesses to his road rage and the accident so our stories are conflicting.

[rsteinmetz70112]

Usually when an adjuster totals a vehicle, it's because the estimated cost of repair exceeds the estimated value.

We don't know what value the adjuster put on your ride but You might want to try to move them up on that, since they are probably not that familiar, especially if there wer after market mods etc. Presenting evidence that a VX in good condition can command pretty high prices might help.

[Rampage108]

well the story is mine against his. His insurance is refusing to pay for mine and mine refusing to pay his. My insurance tried to get 50/50 from both parties on both vehicles. progressive said no. So my vx is still very much drivable and I bought it back after they paid off loan. They had it valued at 10000. Same as i paid for it 21000 miles ago. So i plan on keeping it and buying a rear bumper and p.side rear cladding from members here or offering it up to sale to someone on this website who can do body work and wants a clean vx otherwise.

[Rampage108]

[tom4bren]

I'm confused. Wasn't the police called to the accident? They should've been able to assign fault based on the accident scene and damage. You suffered rear end damage which almost always puts the other driver at fault. Insurance companies usually take police reports as gospel.

[Rampage108]

The cop thing seemed fishy. He was local trooper. Talked alot more with other driver. Age difference or some kind of favortism it seemed since I was out of state. he had rolled and totaled his vehicle. I was very confused with this too. Even stated that in wa I know that when hit in the rear it was automatically others fault. He said since i tried to avoid it and changed lanes at same time as him I overreacted. So long story short he told me he would rather not cite either of us. But if I insisted he would sight both of us. Left the choice up to me