Rats! Got hit!

[Gilles]

Originally Posted by Starter986

Let them "total" the car... buy it back for scrap value... fix it... pocket the change.

That's what I would do.

Sorry about this issue, but if you are happy with your car I would let the insurance total it and just get a replacement fender, headlight and bumper and replace them yourself as the damage seems to be strictly cosmetic..
Good luck!

[njbray]

Originally Posted by Gilles

Sorry about this issue, but if you are happy with your car I would let the insurance total it and just get a replacement fender, headlight and bumper and replace them yourself as the damage seems to be strictly cosmetic..
Good luck!

This is kind of what I would like to do - But do not really want a Salvage title.I would like to get the check to cover the repairs and manage it myself.
It was quite a wack that pushed the car sideways so we will see what unseen damage there is.

[Starter986]

Originally Posted by njbray

This is kind of what I would like to do - But do not really want a Salvage title.I would like to get the check to cover the repairs and manage it myself.
It was quite a wack that pushed the car sideways so we will see what unseen damage there is.

A salvage title is only a big deal if ever you plan on selling. You know we're gonna keep these cars forever.

[Vtx531]

Bummer! Hundreds of 986 base out there for sale though. Don’t stress over it. You could have another better one within a week. I believe you need to purchase extra coverage for extra aftermarket items such as fancy IMS bearing. Maybe it would raise the value based on a condition rating though such as having new tires?

[Xpit77]

I just had something happen with the same results.My 99 suffered front end damage in a parking lot incidence. Front bumper cover, right side rad, rad support bracket, inner fender liner and small curved attached piece new coolant and paint. $4900 CND.
The adjuster valued the car @ 10 grand. 60% of the value would have wrote it off.
Expensive way to clean the leaves out.

[itsnotanova]

Sorry to hear about your bad luck. I've seen insurance companies total a car for a lot less damage than that. I believe it has a lot to do with the insurance company and the owner. You might convince them to fix it if you plead your case. That damage doesn't look too bad but they'll need to remove the bumper cover to see the extent of the damage. Hitting the bumper at an angle like that has me worried the most. Straight on it can handle a hit like that. At an angle it might bend the frame rail where the bumper shocks mount. I'm 95% sure they won't compensate you for the IMS or anything aftermarket. In my opinion, if the bumper shock mounts are bent you should have it totaled.

[Rob175]

IF it were mine, I'd want it "totaled" and fight to get the most you can from the insurance company. I'd start accumulating comparable prices on the same (used) cars in your area using the internet and use those as a basis to get the most $$ you can....I know for a fact there is some "negotiating" room.....how much? not sure.

I personally would not want a "repaired" car after such major damage. Even getting the new paint to match up with the sun faded paint alone is problematic.

Take the $$$ and go shopping.