Rear ended M3 [is this totaled?]

[Barry Lin]

Was rear ended by a truck last night. Badly damaged back, but came out with no injuries. What are the chances that insurance will deem total loss. Did see that internal frame in rear appears to be heavily bent.

 

[VT_EE]

My money is on totaled since you have front and rear damage. If there is any damage to the rear quarter panels then it's almost certainly totaled.

 

[sightman]

I doubt this is totaled. Your battery pack likely experienced no damage due to the height of the impact.

 

[Silicon Desert]

Looks borderline to me, and may not be total, BUT maybe you should hope it is as it might take 6 months to fix that with all the delays, parts, etc.

 

[cbigfoot]

If i had to guess i would probably bet it is totaled with the rear you would need from what i see (just a guess) the bumper, trunk well, trunk lid, trunk shelf, bumper support, (likely frame damage back there too i have seen less damage be totaled but is up to the insurance companies) Front bumper right head light, all rear lights, front right quarter panel, probably the tire too.

as Silicon said hope it is and go after the trucking company for what you can get and then get new one.

 

[Barry Lin]

should I contact the trucking companies insurance directly? Or see what my insurance adjuster advises?

 

[ODWms]

I’d let my insurance company handle it. That‘s what you’ve been paying the big bucks for all these years.

 

[VT_EE]

should I contact the trucking companies insurance directly? Or see what my insurance adjuster advises?

I would use my own insurance and have them deal with the other party. You, nor your insurance company, will be on the hook for anything including a rental car for the duration of the repair.

 

[BMWM3Man]

$14,350 Not totaled.

 

[KenC]

Yep, that truck is totaled. What, you mean your Tesla? Uhm, yeah, I think it's totaled as well.

 

[Occhis]

$14,350 Not totaled.

Looks totaled to me. Used cars are not worth what they were a year ago, so if more than 3 years old it’s totaled for sure. But if not $14k won’t pay for even half the repair. Will be interesting to find out.

 

[BMWM3Man]

Looks totaled to me. Used cars are not worth what they were a year ago, so if more than 3 years old it’s totaled for sure. But if not $14k won’t pay for even half the repair. Will be interesting to find out.

Yeah I have no idea. Not sure why someone is asking a forum anyway. Why not ask the insurance adjuster?

 

[stopcrazypp]

Looks totaled to me. Used cars are not worth what they were a year ago, so if more than 3 years old it’s totaled for sure. But if not $14k won’t pay for even half the repair. Will be interesting to find out.

They are just memeing given it's unlikely people can tell how much damage there is just looking at a few external pictures. Even estimators that look at the car in person can get it wrong. I would say it depends on if the rear quarters are damaged and if rear subframe is damaged. Then comes the part of how much the insurance company values the car (which also people can't tell).

 

[RedModel3]

The more important issue is that you were rear-ended by a SEMI and your car wasn't completely obliterated. You survived. We'll never hear about this in the news.

 

[Rottenapplr]

There was an article how EV in general are “harder” to repair or maybe perceived to be harder to repair and how insurance companies total ev more so than ice cars. Hopefully that’s not the case.

 

[Msjulie]

Look into diminished value compensation from the trucking company

 

[mspohr]

My money is on totaled since you have front and rear damage. If there is any damage to the rear quarter panels then it's almost certainly totaled.

Looks like the rear quarter panels are OK.
I had a similar rear end collision. Rear hatch, rear floor and bumper replaced. $10,000
Don't know about the front damage, though.

 

[father_of_6]

Since the truck hit you from the bee-hind and the front has damage on both sides but not in the middle, is it safe to assume there were 2 other cars you hit into that are not pictured here?

 

[T4M3]

Glad you are safe. My initial guess is that it is totaled. Please report back once you hear from the insurance company.

 

[Barry Lin]

All really helpful tips! Waiting on insurance response. The insurance adjuster that I was assigned too didn’t respond to my email and calls so may have to call general number to inquire further.

As for the accident itself. Yes, direct hit from behind, and pushed my car toward the car in front of me. Both sides on the front were damaged by car in front of me so it was a 3 car collision.

since it was very obvious it was truck driver’s fault, going to inquire about diminished value compensation