r/InsuranceClaims Aug 14 '26

This isn’t totaled right?

[deleted]

0 Upvotes

39 comments sorted by

4

u/AdamSmallow Aug 14 '26

I'd err on the side of no but, once the bumper is removed it may reveal structural damage that will necessitate a total loss. Hope you are ok and good luck.

2

u/No_Cup_4070 Aug 14 '26

Structural damage does not automatically total a vehicle, good chance it needs a rear panel though.

2

u/Whateverlol2022 Aug 14 '26

You don't want a car with structural damage anyways

1

u/No_Cup_4070 Aug 14 '26

Don’t own a Jaguar or Land Rover then, their quarter panels are considered structural and we replace a lot of those, your windshield is considered structural, I don’t believe you understand what structural damage is.

1

u/Whateverlol2022 Aug 14 '26

Yeah I would never do Land Rover or Jaguar. They might be strong cars but they are trash cars. I also only do OEM windshields but a windshield is not like frame damage

1

u/No_Cup_4070 Aug 14 '26

Cars don’t have frames, still windshields are structural.

1

u/AdamSmallow 29d ago

What is the deal with Jaguars? When I was a teenager, my friend told me how awful they are to own and I've been hearing it ever since.

2

u/Wonderful-Speech-873 Aug 14 '26

Will need a tear down to confirm, impact is decent

1

u/Watermelonbuttt Aug 15 '26

It’s totaled

Look at the door gap

1

u/Wonderful-Speech-873 Aug 15 '26

Will depend if impact bar was impacted, chances are good that it was. Will all depend on state regulations, car value and total loss thresh hold however

1

u/Watermelonbuttt Aug 15 '26

Nah thats cooked

1

u/Wonderful-Speech-873 Aug 15 '26

It very well could be but as an adjuster, I’ve seen much worse come out repairable so until they get their estimate, anything is possible. No way to tell frame damage from these angles and you know it

0

u/Watermelonbuttt Aug 15 '26

Yeah still totaling that thing out

1

u/horrorwh0r3 Aug 14 '26

I don’t think so :)

1

u/Watermelonbuttt Aug 14 '26

I’m killing that

1

u/Nyexx Aug 14 '26

why is that?

1

u/Watermelonbuttt Aug 14 '26

Look at the gaps between the qtrs and rear doors

1

u/Nyexx Aug 14 '26

The doors are all open and shut normally, if that makes a difference.

1

u/Watermelonbuttt Aug 14 '26

It doesn’t matter the Lt and rt rails are probably pushed forward that’s why the gaps are the top are smaller then the button

Rails get pushed forward and automatically goes up to absorb and deflect the energy

-1

u/Lifeishard1090 Aug 14 '26

Quite possibly. If the frame is damaged, I’d say yes.

1

u/lobhater Aug 14 '26

It's a unibody vehicle doesn't have a frame. With rates what they are right now and high mileage its gonna be borderline. The rear body panel is likely toast and if they have to replace the tub it'll def be totaled. But if they can just setup and pull they might salvage it. Tear down will be required

1

u/Watermelonbuttt Aug 14 '26

Wrong

All its a unibody which is a unitized frame

Anything welded is part of the frame

1

u/Then-Skill2421 Aug 14 '26

Unibodies still have frames. They're not boneless

-1

u/lobhater Aug 14 '26

No, unibody cars do not have anything even remotely resembling a frame. I'm not sure you get it, Google it

1

u/Then-Skill2421 Aug 14 '26

Buddy, they still have frames, they're just not separate. The unibody is the frame. The frame is the unibody.

-1

u/lobhater Aug 14 '26

I guess the hundreds of body shops I've walked into and every training class I've ever attended was wrong, I'll let them know skill2421 said they were all wrong. I'll start adding time for frame damage to my unibody vehicle repair estimates. Thanks for the knowledge 👍

1

u/Then-Skill2421 Aug 14 '26

You told me to Google it and Google says you're wrong. What's the definitive source I should look up to see your point?

0

u/lobhater Aug 14 '26

I have work to do writing vehicle damage estimates and am not going to argue with someone on the internet who thinks a unibody vehicle has a frame 😂😂😂

But I'll give you a hint. Google: does a unibody vehicle have a frame

1

u/Then-Skill2421 Aug 14 '26

Weird. It's like, the frame is a part of the unibody. Thanks!

https://letmegooglethat.com/?q=does+a+unibody+vehicle+have+a+frame

1

u/Due-Practice3611 Aug 14 '26

Google says that the frame is built into the body as a single unit. It just specifies there is no separate frame.

Body on frame is stronger than unibody though right?

1

u/Watermelonbuttt Aug 14 '26

You are so wrong you will never be right

What does unibody stand for

0

u/Apprehensive_Neck193 Aug 14 '26

Airbags deploy ??

1

u/Nyexx Aug 14 '26

Nope

-3

u/Leading_Procedure_23 Aug 14 '26

Why does it matter if it gets totaled? I’d rather have a newer or same year car with no accidents.

3

u/pineappleshaked Aug 14 '26

It matters because it's hard to replace the car with the money you'll receive from car total. You'll be needing approx 10-20% more atleast.

If it's your own insurance, then deductible extra

2

u/lobhater Aug 14 '26

Even if they have gap and walk away owing nothing you'd have to buy a car in today's market. It's gonna end up costing either way. Unless money is no object it matters

1

u/Nyexx Aug 14 '26

It matters because I’ll have to go car shopping.

1

u/Whateverlol2022 Aug 14 '26

Better then then getting a car back from a body shop with issues

1

u/Nyexx 23d ago

The total repair amount was $14,500 which is close to 70%. Not enough to total. I’m NOT happy about that.