Requesting write off due extensive damage on the chassis

[wtoribio]

Hi Everyone,

I have a situation where I got hit on the backside just waiting on a traffic light to change.
My insurance and its primary collision center is trying to fix the car cutting up and welding on the floorpan part of the unibody frame where the spare tires is store. Infiniti EX35 2011 with 27,572 Kilometers Premium Package.

I am requesting to the insurance to do write off procedure because this operation of course won't affect the car drive ability because is not on the front part but it will affect for sure the car survivability in case of a new accident on the same place. Considering this car is a CUV built using Unibody Construction System where the chassis is represented by the complete frame where electrical and mechanical components are attached.

Please take a look of the picture here attache and let me know any feedback you can provide to me regarding this matter.

How I can insert the picture here?

Thanks

Wil

[XIS]

There is no photo here, but I wish you luck with your insurance company. Keep the pressure on them.
Remember, the squeaky wheel gets the grease!!

[wtoribio]

There is no photo here, but I wish you luck with your insurance company. Keep the pressure on them.
Remember, the squeaky wheel gets the grease!!

How I can upload the picture here?


Thanks

[wtoribio]

How I can upload a picture here please?

Thanks

[asoomal]

As long as they use OEM parts and spot weld at the same locations, it will be fine.

[XIS]

How I can upload a picture here please?

Thanks

you need to upload to a free site like http://www.photobucket.com, then use their image url here and it will show up on the post.

[NJGuy]

How I can upload a picture here please?

Thanks

Follow the instructions in this thread:
how-to-post-pictures-using-photobucket-t521110.html

I believe you can also use Flickr as well if you prefer that photo hosting site or have an account there.


I'm not familiar with collision repair, but I'd say the integrity of the proposed repair depends on how much or how severe the damage was, and the quality of the shop and personnel doing the work. Get those pictures posted so that others can at least take a guess.

I also second the idea of using OEM parts in the repair.

I'm not sure whether or not you are eligible for this, but I would try to pursue a claim for diminished value if the insurance co. won't write off the car as totaled. If you don't feel safe using the car after the repair and wish to sell or trade it, at least you'll have some money in your pocket to make up for the lower value of the vehicle.

[wtoribio]

Thanks for the quick response.

But I believe that Chassis must not be touch when you have an accident then car must be write off right?

[NJGuy]

But I believe that Chassis must not be touch when you have an accident then car must be write off right?

Maybe, maybe not. I don't think that is a hard and fast rule, as I have heard that some frame damage can be so-called "repaired". I am guessing that it depends on a bunch of things, like: the national and regional laws/regulations that govern vehicle accident damage; the insurance company's own rules, policies, and guidelines that cover the topic of frame damage; the design of the body/frame; and the extent of the damage. I don't know these things for your specific case, so I don't think I can help you much here.

The decision to repair vs. write-off might also differ between two different insurance companies.
Let's say we have 2 fictional insurance companies, 'A' and 'B':
-Company 'A' might charge higher fees for their policy, but might be better at taking care of their customers. They use reputable but more expensive shops, and better components and repair methods. They also might be more willing to go to bat for you if any legal matters come up. Company 'A' might also be more accommodating to the idea of writing the car off as totaled.
-Company 'B' might provide cheaper premiums, but may not take care of their customers as well. They make up for it by using cheaper shops, components and repair methods. There also could be a chance that they'd be more interested in settling legal matters more quickly instead of getting what's best for their customers. Company 'B' might also push for a repair much harder than for a write-off in order to save a few bucks.


If you want a more definitive answer to your questions you might want to talk to someone who works in the auto insurance industry. It should probably be someone who doesn't work for your insurance company.

Remember that insurance companies are in business to make money; so if you want a resolution that caters to your liking, you'll have to keep on them. Good luck.

[EXceptional]

Send the picture(s) as a JPEG to me... overhere at telusplanet dot net... and I'll post it.