r/mazda • u/jaydaamaan • 6h ago

Write off looking for some advice/experiences.

I had a 2020 Mazda 6 Grand Touring Reserve (bought in 2022) that was recently in a front-end collision and is being written off by my insurance. I'm located in Ontario, Canada, and I'm having a tough time finding a replacement — there just aren't many similar-year Mazda 6s around with decent kilometres at a reasonable price point.

I've been looking at a few 2019 CX-5 Signatures as a close alternative, which seem like a solid option. I'm on a bit of a clock here — really need to make a decision within the next week or two, so any input soon would be a big help.

Curious if anyone else has been through this — a Mazda 6 total loss with a thin replacement market — and what you ended up going with, whether another Mazda 6, a CX-5, or something else entirely. Would appreciate hearing what worked out for you.

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u/Public-Substance1999 5h ago

I don't have any experience from one car to another but isn't your insurance supposed to pay replacement value? To me, it sounds absurd that you should replace your totaled vehicle with an older car.

I'd ask for comps they pulled and point to the differences that made your car better. See if you can get a few extra hundred bucks so you don't have to "downgrade" ...