# Car accident. Think it will get totalled? **URL:** \ **Category:** NYSpeed Automotive\ **Created:** [January 21, 2010, 3:37pm UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483 "2010-01-21T15:37:51Z")\ **Posts on this page:** 20\ **Page:** 3
**Author:** ![rdandy5875](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/rdandy5875/32/7511_2.png) [@rdandy5875](https://forums.speedlife.net/u/rdandy5875)\ **Post date:** [January 22, 2010, 11:26am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/41 "2010-01-22T11:26:05Z")
I guess totaled… ---
**Author:** ![walter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/walter/32/7202_2.png) [@walter](https://forums.speedlife.net/u/walter)\ **Post date:** [January 22, 2010, 11:27am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/42 "2010-01-22T11:27:08Z")
> [@Quattro Krant](#): > > I was always under the impression that you had to have gap coverage if you had a loan out on a car? I know my A4 had it, my GTO had it, and my GF’s Jetta had this coverage. This was when I had a loan on the vehicles in question. I thought financing companies made you take it as it is in their best interest as well as yours. No, you just have to have full coverage. The check is going to go to the lien holder, not the owner. If it is repairable, it’ll be repaired, if not, the check goes to the bank. ---
**Author:** ![Geehee](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/geehee/32/7238_2.png) [@Geehee](https://forums.speedlife.net/u/Geehee)\ **Post date:** [January 22, 2010, 11:29am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/43 "2010-01-22T11:29:44Z")
guys you need to keep in mind travisn’s years and years of experience. I knew everything I needed to know by the age of 23 as well. ---
**Author:** ![Justin](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/justin/32/7459_2.png) [@Justin](https://forums.speedlife.net/u/Justin)\ **Post date:** [January 22, 2010, 11:37am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/44 "2010-01-22T11:37:36Z")
Remebering what nitroinsane’s cobalt looked like at one point. I am gonna say this is not totaled. ---
**Author:** ![travisn](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/travisn/32/5046_2.png) [@travisn](https://forums.speedlife.net/u/travisn)\ **Post date:** [January 22, 2010, 11:38am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/45 "2010-01-22T11:38:34Z")
> [@Geehee](#): > > guys you need to keep in mind travisn’s years and years of experience. I knew everything I needed to know by the age of 23 as well. thanks! I have never claimed to know everything though. I went to Alfred state for autobody and have been in the business since '06. I worked at John Holtz collision for almost 2 years, in that time I have fixed A LOT worse than that, but again, it wasnt a pos ford either… ---
**Author:** ![93gspeccivic](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/93gspeccivic/32/5137_2.png) [@93gspeccivic](https://forums.speedlife.net/u/93gspeccivic)\ **Post date:** [January 22, 2010, 2:29pm UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/46 "2010-01-22T14:29:51Z")
you just need to find the right shop… that should buff right out ---
**Author:** ![vq30de](https://avatars.discourse-cdn.com/v4/letter/v/9dc877/32.png) [@vq30de](https://forums.speedlife.net/u/vq30de)\ **Post date:** [January 22, 2010, 3:19pm UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/47 "2010-01-22T15:19:05Z")
> [@Justin](#): > > Remebering what nitroinsane’s cobalt looked like at one point. I am gonna say this is not totaled. This. I spent my entire life around collision shops. It’s right on the edge. Go to nada. Price it. Take 75% of that and if the estimate is more it’ll be a total loss. With that said, if it’s a loaded up focus worth $21k, then it would take $15k and change to total it. If it’s a base model with no options worth $13k, it’ll take $9k and change. ---
**Author:** ![The\_Hazz](https://avatars.discourse-cdn.com/v4/letter/t/bb73d2/32.png) [@The\_Hazz](https://forums.speedlife.net/u/The_Hazz)\ **Post date:** [January 23, 2010, 12:35am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/48 "2010-01-23T00:35:21Z")
It’s currently at Joe Walter’s in North Tonawanda. It’s up to the other’s insurance company at this point. Joe says he wants to fix it. It’s a Focus SE with every option with the exception of sync and sunroof. ---
**Author:** ![Jack](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jack/32/7613_2.png) [@Jack](https://forums.speedlife.net/u/Jack)\ **Post date:** [January 23, 2010, 5:26am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/49 "2010-01-23T05:26:13Z")
> [@vq30de](#): > > I spent my entire life around power lines. :mamoru: Not totalled, unless the insurance company thinks it will perform poorly when your wife crashes again. ---
**Author:** ![Onyx\_Z32](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/onyx_z32/32/7581_2.png) [@Onyx\_Z32](https://forums.speedlife.net/u/Onyx_Z32)\ **Post date:** [January 23, 2010, 6:51am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/50 "2010-01-23T06:51:35Z")
> [@bobbyg1243](#): > > I feel like this thread warrants a poll! Good call :tup: ---
**Author:** ![travisn](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/travisn/32/5046_2.png) [@travisn](https://forums.speedlife.net/u/travisn)\ **Post date:** [January 23, 2010, 7:54am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/51 "2010-01-23T07:54:30Z")
yay for poll! op: please scan a copy of the estimate when you get it ---
**Author:** ![system](https://canada1.discourse-cdn.com/flex034/uploads/speedlife/original/2X/b/b7170c8eddc0b95ece6b88172b2f416a08489a45.png) [@system](https://forums.speedlife.net/u/system)\ **Post date:** [January 23, 2010, 8:13am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/52 "2010-01-23T08:13:57Z")
That’ll be totaled, or at least I’d personally hope so. ---
**Author:** ![my01celica](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/my01celica/32/5028_2.png) [@my01celica](https://forums.speedlife.net/u/my01celica)\ **Post date:** [January 23, 2010, 8:53am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/53 "2010-01-23T08:53:55Z")
in ny state your insurance is allowed to pay 100% of vehicles total for repairs, if it goes over the value of the car to repair they total it. i was involved in a accident on the 219 on dec 17th and hit a gaurd rail. they gave me 7600 for a 2001 celica with 126k on it. and the damages where 8400. if they do total it ny state makes it mandatory for ins companys to give replacment cost. or market value of what it would cost to buy that cvar current day. so untill you get an estimate and find out what the appriser value of the car i would just sit tight and wait for the procces to pan out. ---
**Author:** ![my01celica](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/my01celica/32/5028_2.png) [@my01celica](https://forums.speedlife.net/u/my01celica)\ **Post date:** [January 23, 2010, 8:58am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/54 "2010-01-23T08:58:01Z")
> [@theblue](#): > > my vote is for totaled. > > this is what gap insurance is for, to cover the amount you are upside down on it. hope you have it. Ny state is one state that has a law that says when your car is totaled. if your going to be upside down they will write off the remaing amount if the loan becomes upside down. that will only applie if the loan was taken in ny state. ---
**Author:** ![travisn](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/travisn/32/5046_2.png) [@travisn](https://forums.speedlife.net/u/travisn)\ **Post date:** [January 23, 2010, 11:21am UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/55 "2010-01-23T11:21:53Z")
here is an 08 kia rio that my buddy is currently working on, granted there isnt _that_ much wrong with this one… ---
**Author:** ![\_Karu](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/_karu/32/7602_2.png) [@\_Karu](https://forums.speedlife.net/u/_Karu)\ **Post date:** [January 23, 2010, 12:11pm UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/56 "2010-01-23T12:11:38Z")
i think it won’t be totaled…depends on the damage appraiser though… just my uneducated guess. ---
**Author:** ![baseball24](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/baseball24/32/7452_2.png) [@baseball24](https://forums.speedlife.net/u/baseball24)\ **Post date:** [January 23, 2010, 3:10pm UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/57 "2010-01-23T15:10:42Z")
i wouldnt want that car back…total it ---
**Author:** ![\_Karu](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/_karu/32/7602_2.png) [@\_Karu](https://forums.speedlife.net/u/_Karu)\ **Post date:** [January 23, 2010, 7:19pm UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/58 "2010-01-23T19:19:52Z")
^ Who decide it? ---
**Author:** ![turbo\_ls1\_ss](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/turbo_ls1_ss/32/7303_2.png) [@turbo\_ls1\_ss](https://forums.speedlife.net/u/turbo_ls1_ss)\ **Post date:** [January 23, 2010, 7:38pm UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/59 "2010-01-23T19:38:16Z")
> [@travisn](#): > > labor rates are about $44 these days… i just about shit my pants. :mamoru: ---
**Author:** ![Jeller](https://avatars.discourse-cdn.com/v4/letter/j/bc8723/32.png) [@Jeller](https://forums.speedlife.net/u/Jeller)\ **Post date:** [January 25, 2010, 5:57pm UTC](https://forums.speedlife.net/t/car-accident-think-it-will-get-totalled/78483/60 "2010-01-25T17:57:46Z")
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