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Am I screwed?

Discussion in 'Model S' started by cadurney, Jul 7, 2018.

  1. cadurney

    cadurney Member

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    Has anyone had their S survive a wreck that set off the airbags? A 19-year-old pulled a U-Turn on a city street and hit my beautiful car.
     
  2. P85_DA

    P85_DA Supporting Member

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    :(...sorry to hear that ...it really depends on your insurance if they will total car ...I wouldn’t be surprised if your damages are more than 20k
     
  3. legend502

    legend502 Member

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    Post pics! sorry to hear that
     
  4. demundus

    demundus Member

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    There is very little correlation to airbags and total-loss.

    Most predictive programs use several more variables to preemptively total a car, including but not limited to (im doing this by memory sorry):

    • Glass
    • Injury
    • Death
    • Airbags
    • Fluid leakage
    • Fire
    • Theft
    • Vandalism
    • Act of God
    • Collision type
    • Primary impact
    • Secondary impact
    • Drivable (tow needed)
    • Car age
    Almost all insurers use a predictive program to save cycle time, otherwise you're at the mercy of the body shop, and the insurer's total loss threshold (typically 65-80% of residual depending on the insurer)
     
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  5. davidc18

    davidc18 Active Member

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    Glad you are okay and I hope it works out for you.
     
  6. Rahul

    Rahul Member

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    Yes but might take a while...

    A610321D-A224-42A7-90BD-5BC19C87A49D.jpeg
     
  7. cadurney

    cadurney Member

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    The kid pulled out from a south-pointing parking spot. I saw him and figured he was going to continue south so I veered into the clear on-coming lane. Nope. He pulls a u-turn with a 1999 Beemer right into Buddy.
     

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  8. David.85D

    David.85D Member

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    Given the delays getting parts, having it totaled and getting fair value to actually replace it with a similar used one (with warranty) may not be a bad outcome.

    Plenty of stories of 6 to 12 month delay on key parts.
     
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  9. P85_DA

    P85_DA Supporting Member

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    I would push to total it ...obviously body shop will want to repair as they would lose revenue if they didn’t ..if u do decide to repair I would go for diminished value claim ...your damage looks greater than 20k tho
     
  10. legend502

    legend502 Member

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    If Not total definitely dimishing value claim and loss of use claim
     
  11. demundus

    demundus Member

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    Likely not a total loss, but... you'll be without the car for quite a bit. Depending on your personal situation, you should REALLY try to secure as much of a rental as possible... this will factor in to their total loss calculations and can help move the needle sometimes.


    PS: I guess probably around 27-32K worth of damage there.
     
  12. Tanquen

    Tanquen Member

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    Looks like you hit the poor kid. Why mention his age or car?
    I guess its ok for old guys in once fancy cars to cross solid lines and drive on the shoulder or into on-coming traffic.
     
    • Like x 1
  13. cadurney

    cadurney Member

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    Are you serious? Whiskey Tango Foxtrot!?
     
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  14. P85_DA

    P85_DA Supporting Member

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    OP did u have dash cam?
     
  15. cadurney

    cadurney Member

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    I will now.
     
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  16. P85_DA

    P85_DA Supporting Member

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    OP depending on mileage and year of car ..good chance just get them to total ...I see new fender , bumper , hood , headlights 3 airbags ..radiator ...possible AC , rim , half shaft etc ...be pushy with adjuster ...just not worth to fix that ...also check out St Lucie Appraisal ..he specializes in DV claims for Tesla’s
     
  17. FlatSix911

    FlatSix911 918 Hybrid

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  18. AMPd

    AMPd Active Member

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    I wonder if that’s why insurance rates for teslas are going up, everyone is too quick to total their vehicles and move onto a new one. In the end we all pay for it
     
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  19. P85_DA

    P85_DA Supporting Member

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    My Tesla insurance rate has been the same with USAA.....I have had other MB , BMWs hit and with a high price car ..you can never get repairs correct ...I have spent more money on auto insurance than have taken out...the suggestion to ask for a car to be totaled ultimately it’s up to the individual ...in my instances I found it to be worthwhile
     
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  20. AMPd

    AMPd Active Member

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    I had to renew my policy with AAA and it went up by 600 dollars per year. No big deal but according to my agent and it’s not official or anything but he said the reason could very well be the higher cost of dealing with teslas

    That’s why I’m so upset that tesla still chooses to only allow “certified” shops to do body work. Those shops basically have carte blanche to charge whatever they feel like because in some areas they’re the only shop in town.

    Makes no sense, if understand if it was something drive train related but body work? Every shop can do that, and if they can’t they wouldn’t be in business/ /rant
     
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