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Ask the Doctor presents: The CAR-diologist Answers Your Questions About Your Wrecked Car

Joseph Coupal - Friday, March 15, 2013

Potential DamageMAX.com Customer - Question for the Doctor

Question

Confused after a Collision: I was in an accident that was not my fault. Even though the airbag did not deploy, my 2006 Toyota Camry's entire front end needs to be repaired or replaced. The fender, bumper, headlights, grill, hood and door were severely damaged. The motor has not been checked yet because the other driver's insurance company has not looked at my car. But I think it is OK because the engine was still running even after the accident. My mechanic told me that the repairs could be $5,000 or more.

Will my car be totaled?

Answer

The CAR-Diologist: Without knowing the mileage or specifications of your vehicle, projecting a value is difficult for me. However, my guess is that your vehicle has a retail value around $12,000 with an average of 80K miles. Without knowing the state you reside in I don't know the total loss threshold but 70% is a good guess. Given this, your car will probably be repaired instead of totaled.

DamageMAX can quote you a price on the damaged vehicle and allow you to take the repair money, our check for your wreck and buy a new car instead of repairing your current one. But if they pay you $12,000 for a total loss, it is your best option. The game changer for you is mileage. If your car has very high mileage, the insurance company might reduce your settlement to reflect those miles, making it less attractive for you to take the total loss. My diagnosis for you is to go to the 2 links below and call me in the morning:


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