wrecked my baby... is it totaled?? warning pics...

[jaxCoupe08]

Sorry to say but its mostlikely totalled involving airbags. Because total repair cost, sometimes you'll get an option. Fixed at a cost they give you and the rest you pay. Either way glad to hear you made it safe and more reliability on the coupe!

[Scandinavian Flick]

dont forget its not just the cost of the parts that were damaged, its the cost in labor that its going to take to fix it as well

[Flypinoy457]

Depending in your insurance company you might be able to fight it, or at least plead your case. My previous car before my altima coupe was a 94 Toyota Supra turbo, and basically long story short a tree fell on my car during a freak winter storm. There was no frame damage but ALOT of cosmetic body damage here are the pics.... warning I still cringe when I look at these pics



So when the first insurance agent came out they immediately said it was totaled, looked at the blue book value of a 94 Toyota supra with 70k miles *which at the time was like 14-15k but what the agent didn't know was the actual street value of the Supra. It would be a steal to get a twin turbo supra for under 18k. So I fought the insurance company, put together some information basically showing them how much these cars are REALLY going for on ebay, supraforums.com, and autotrader.... etc and they handed over a check for 12 thousand and some change. So 2 months later out of the body shop...





Had all the body panels shaved down to the bare frame, new hatch, RMM cf wing, carbon fiber front lip, and a Championship white (*98 integra type R white) with house of kolor pearl 4 stage paint job. So case in point I'm not sure if the Altima Coupe has the amount of street cred as the Toyota supra but if you don't get the answer you want from the insurance agent, fight'em it can't hurt you and you maybe get some extra goodies out of it ** wink wink

On a side note the nice thing with my Supra was since there was no frame damage there was no salvage title, and since it was a tree that caused the accident the insurance company considered it a "act of god" and thats what showed up on the carfax report also, plus my rates didn't go up a cent.

[Scandinavian Flick]

those first two photos are painful.... but damn that thing looked good afterwards, all you fellow altima owners dont take this wrong, but why did you get rid of the supra?

[Flypinoy457]

those first two photos are painful.... but damn that thing looked good afterwards, all you fellow altima owners dont take this wrong, but why did you get rid of the supra?

Yeah I had my fun with my Supra, but it just wasn't practical car to have as a daily driver. Owned the car for about 5 years, built the motor, drag transmission, single turbo upgrade.... list goes on and on. But living in California and having a heavily modded car aka not street legal what soo ever (had 3.5 inch downpipe all the way to an apex'i gt spec exhaust and NO CATS, open waste gate, BOV) just wasent worth the risk of getting pulled over and screwed over royally. Also the car had horrible gas mileage, and would be pretty much impossible to get traction in the winter months. And "Yes" i do miss my supra alot, and one day I will own another one and have it as a weekend car. Even though the supra was ALOT faster then the altima coupe I am still a very proud Altima Coupe owner, its fast enough, practical, more trunk room than the supra, and best of all still turns heads like the Supra.

[Jose3.5]

I drool when I see those Supras, wish I had one:(

[GryStrm]

lol "act of god"...i love this in insurance clauses....funny how God "legally" doesn't show up unless he can save some one some money!i can't say god made me do 90 on a highway....but damn can one of his "acts" get a company off the hook on payin out!..lol

[adidas2go]

I think you're looking at a salvaged title rebuild. My buddies G35 just got rear ended a few days ago. 20k worth of damage, and they wouldn't total it.

[heeroguy]

ur cars not totaled bud,

need a door a 1/4 panel a rocker and some airbags, no offence is a small hit

your side airbags are only 398.30 i can get u any price u need, iwork in a body shop and write estimates all day long,

even if the unibody is damage it can easily be repaired or replaced. ya need any help lemme know

[jmack]

Diminished Value. Two words insurance companies hate. If they do repair your car, ask for diminished value from the insurance company. After the accident, your car will never have the same value as if it was never damaged. Say for instance you want to trade your car after repairs and the dealer pulls a carfax, they will not give you anywhere near the worth undamaged. If you ask, demand , and fight, the insurance campany will give you your diminished value. BTW this is my second A/C...my first was totaled. Glad you're o.k. Now go and get 'em.

[Ultima]

Glad you're ok, though. See how much insurance will cover for you, then you can decide to either fix it or buy an 09'. Damn the previous generation altimas!!

[jameschoun1]

Car is totaled, insurance is going to pay for 23k.... am I getting ripped off???!! Car was delivered in october & has 12k miles on it. Car is 3.5se has premium and tech as well as vdc. Are they basing price off of 2.5?? on kbb the retail for the 2.5 (dont have 3.5) with as many options as close to my car as possible is showing a retail price of just under 25k... Paid roughly 35k for the car total

Not really what I wanted to hear, as I am not going to be able to afford to get the same thing which is what I wanted... and if that is all they are going to give me I cant get it

[Scandinavian Flick]

did you have GAP coverage from the dealer?, does you insurance company have "new car replacement"?

[PhillipRumans]

Why don't you just ask your insurance company for the breakdown of where and what their figures are based on. If they did a market survey to determine price, get copies. If they used the KBB or other guides, get copies.

[Scandinavian Flick]

yeah man, id call the insurance company out on this one, they are hosing you,

[jameschoun1]

umm... What exactly is gap coverage? Since idk what it is probably don't have it, I did get the extended warranty if that's it. I know this is bs...

[LongBeachCoupe]

i believe gap coverage is to get you the difference btwn what the insurance company says, and the actual replacement cost..

[jameschoun1]

also... what would you guys say is a fair price for the car that I should get from insurance?? I was thinking somewhere between 25-28k... No I do not have new car replacement btw, my insurance co doesn't offer that feature.

[heeroguy]

ill get that fixed for 25 k omg thats a high estimate unless u live in texas

[marlin29311]

also... what would you guys say is a fair price for the car that I should get from insurance?? I was thinking somewhere between 25-28k... No I do not have new car replacement btw, my insurance co doesn't offer that feature.

who's your insurance carrier? i'm an insurance underwriter, and if you let me know what carrier you have i can help you out on figuring out your coverages and what you should be getting in terms of value.

[jameschoun1]

my insurance company is farm bureau... Think that I'm going to the dealer today to see if they can get the value of my car & see if they can get me a deal on a new one...

[marlin29311]

Yea, if they are only giving you 23 for a car that MSRP's at 32 and is only 8-9 months old, that's a hellava lot of depreciation - even with market value. The resale of your car would definatly be a lot higher than the 23k they are telling you. I don't know of any policy out there that would do that to you...

hint for the future - when you have a more expensive car like yours, make sure your insurance policy is on an Actual Cash Value (ACV) basis or something of the like (replacement cost, etc) - you insure your car for a specific amount, not what the market value which changes...

Either way, 23k is no way enough, unless your policy is aimed to scam. Defintalty check it out, read your policy, and get the resale values. Let me know how it goes.

[LegendRacer]

i wouldnt say this is a small accident, but if theres no frame damage/twist then it shouldnt be totalled...

just pray the frame is damaged then ur on ur way for the 09!!

[jameschoun1]

Okay... ins is now going to give me 25k... They didn't have tech pkg or vdc on the car they based the value of my car off of. They subtracted nearly 2k for "having high miles" which I think is bs, but to fight the ins co. I would need a lawyer and while the lawyer might get me more money, after paying the lawyer I would probably have the same amount of $ to work with...

I now am thinking about one of 3 options... Going with a used 05-07 g35 coupe, buying a new car that isn't as nice like maybe a civic coupe or 2.5 a/c... and last option would be to buy my car back for 8k from ins and fix it, I have a very experienced friend who owns an autobody shop that took a look at the vehicle and *says* that the only people that will know it was in a wreck would be us after he was done...

Only thing that has me worried about buying my car back is that even though it may look like new but it might not drive like new... or at least like before.

Right now I am leaning towards a used g35, as it will be hard going backwards to a car that isn't as nice. And if I fix my a/c there's really no guaranteeing that something else isn't wrong with it; I'd prob go paranoid thinking that there's something wrong with my car. Salvage title doesn't bother me as I do not plan on selling/trading in car.

Sorry for long post... What do u guys think??

[Scandinavian Flick]

i agree with you, dont have the a/c fixed, it will never be quite as good as it once was, as for car choices, the g35 is good, but what about a 2006 pontiac GTO yeah thats right 400 horse....or what about a 2009 murano, im diggin that car,

[jameschoun1]

well, I'm not a big fan of domestics, and I'm in the market for a coupe/sports car. So that knocks out the murano, but I agree the new ones are nice. Took a look at a couple g's one has half the miles in the color I want, the other has intelli key and premium sound, but a tan interior.

As far as performance is concerned what is it like compared to a/c?

[adidas2go]

depends on the year. 07-08 will be your fastest option. 05-06 will the comparable to the a/c. 03-04 is slower.

[hopetriumphs]

that sucks big nads. you really should switch to a lager insurance company, it will be more expensive but "if" this happens again it will be highly worth it. The 3 best insurance companies are Allstate, State Farm, and Farmers insurance. i would look into a used G, its gonna kill your MPG and youre gonna have to pay premium, but at least youll have the real G.

good luck.

[shortys408]

could you squeeze more money out of it by parting it out to us? or would that affect how much you get from insurance?

[jameschoun1]

No, don't think that I'd be able to part it out. Sorry... I did find a g though, it's an 06 with 13k miles; not very many options and it is an auto, but low miles and I'm getting a pretty good deal. Car is in exellent shape, prob pick it up on Mon when I get my INS check