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2022 AT 86
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54 Posts
Discussion Starter · #1 ·
Welp boys, the 2nd time within a year that I’ve been backed in to while nowhere near anybody. Was enjoying a Saturday night out when I hear over the intercom “If you’re driving a red car you want to come outside right now because your car just got hit” and I go outside and there’s a big NPC fire explorer right on top of my car. This must’ve been like a U-turn at like 30 mph because I just can’t comprehend how this happened. Called the police made the report, just made a claim to my insurance. I personally think the car is totaled, what do you guys think? There’s even some damage to the passenger steering column I believe. I really don’t know how to move forward in a situation like this
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2022 Ice Silver BRZ Limited manual.
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3,176 Posts
She's done for. You wouldnt want it back after a repair like that anyways. Not this kind of car. It will never be right again.
 

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2022 AT 86
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54 Posts
Discussion Starter · #7 ·
Thanks for the condolences guys. I’m assuming it’s a total and hoping it because I don’t want to keep paying for the car after it’s been in a condition like this not even a year into it’s lifespan, but for some reason I feel it won’t be. But in the event it is totaled how does it work, I got gap insurance so I’m assuming the remaining balance will be payed off. But what about insurance payouts and etc? Might I be getting some kind of payout or just have to start saving up for a new car from now? Thinking of going Supra but that’s at the back of my mind.
 

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45 Posts
That car is definitely a goner. As was said already, even if it wasn't you wouldn't want to own it after that level of damage.
Wait for your insurance to respond (after they talk to the other party's insurance).

Do not take the first "offer"! Unless, by some miracle, they come back with an equitable amount, you should push back. This happened to me when my poor '91 CRX Si was totalled parked at the curb in front of my apartment. The insurance company offered low KBB for it, but the car was in meticulous condition. I did not accept the offer and mentioned that maybe attorneys need to get involved and the insurance company immediately came back with high KBB (which I accepted).

While you pay your premiums to protect you (financially) from this exact type of disaster, it is in the best interest of the insurance company to pay you off as cheaply as they can.
 

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2022 GR86 6AT Base Steel
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753 Posts
Oh boy, they did a number to it! Glad you were not in it. I can’t believe they didn’t see it. Red is the most visible color you could get.

I am dreading insurance rates next year… these GR86/BRZs are getting totaled by the minute. Uggg.
 

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2022 GR86
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9 Posts
Wow man, that is rough.

If for some reason the insurance does not deem it as a total loss, I would fight to get them to total the car - you do not want this car repaired.

Related to insurance payout, they operate under some formula to calculate how much they should pay you and often times the first offer will be crap. Don't accept it and don't feel pressured to - its a game where they try to pay as little as possible and you try to get as much as possible. Since it was the Explorer's driver at fault, assuming his insurance isn't crap, they will also probably pay for a rental car so use that to your advantage in negotiating a payout since the longer it takes, the more money they lose on that.

I would pull together everything that you've paid for the car and get the price of every comparable car to yours in your area. The more expensive the better. Essentially, you want to be able to justify asking for a higher price then they offer by showing them what the cost to make you whole is. Don't be afraid to push back and be stubborn but fair. Also, they have to include the taxes in the payout in most states, so for instance if the value of your car is 30K, they would have to give you 33K since that includes taxes (assuming you live in a 10% tax zip code). Don't negotiate with that added in, negotiate without it.

As for gap insurance, I've never had it but have heard that its kinda useless. Not sure what the order of the payouts would be in this case.

All in all, good luck and that sucks.
 

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2022 GR86 Premium AT Trueno Blue
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816 Posts
I am dreading insurance rates next year… these GR86/BRZs are getting totaled by the minute. Uggg.
it's pretty bad, but I wonder if it's any better or worse than the 1st gen. I'd guess it's about the same in terms of collisions, but the main issue is far less cars and parts available which I feel like is going to mean higher and higher rates.
 

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2022 AT 86
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54 Posts
Discussion Starter · #20 ·
Wow man, that is rough.

If for some reason the insurance does not deem it as a total loss, I would fight to get them to total the car - you do not want this car repaired.

Related to insurance payout, they operate under some formula to calculate how much they should pay you and often times the first offer will be crap. Don't accept it and don't feel pressured to - its a game where they try to pay as little as possible and you try to get as much as possible. Since it was the Explorer's driver at fault, assuming his insurance isn't crap, they will also probably pay for a rental car so use that to your advantage in negotiating a payout since the longer it takes, the more money they lose on that.

I would pull together everything that you've paid for the car and get the price of every comparable car to yours in your area. The more expensive the better. Essentially, you want to be able to justify asking for a higher price then they offer by showing them what the cost to make you whole is. Don't be afraid to push back and be stubborn but fair. Also, they have to include the taxes in the payout in most states, so for instance if the value of your car is 30K, they would have to give you 33K since that includes taxes (assuming you live in a 10% tax zip code). Don't negotiate with that added in, negotiate without it.

As for gap insurance, I've never had it but have heard that its kinda useless. Not sure what the order of the payouts would be in this case.

All in all, good luck and that sucks.
Thanks for this. How exactly would I go about pushing them to total out the car? And would aftermarket parts count towards an itemized list of things I spent for the car like wheel and tires? The price of cars comparable to mine, how exactly does that work out I’m not understanding that part too well.
 
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