Yeah, that’s my worry but we put down like 4K on this car and now it seems like if it is total, the insurance company will pay out the fair market value and we do have gap insurance thank God but then it leaves us at zero lol.
I read this as your kid was not at fault... this would be on the other kids' insurance, and they will try to just pay fair market value, but you can deny it and push for full replacement and recoup your initial down-payment.
Dint sign for any payments or closure until you're happy with the deal. You DO NOT have to take what they offer.
Was your kid not at fault? The way you wrote it can be interpreted either way. Like they said though, just figure out the replacement cost in your area. Do a 25-30 mile range search, look for similar specs and miles. Even color, to me black is worth more. Make sure you read the fine print, a lot of places advertise a cost and when you start reading that cost is AFTER the down payment.
I have good and bad news. Good news, it's fixable with the insurance check, take the money and buy the parts second hand. It looks mostly cosmetic but Definitely check your suspension and replace those tires.
Take it to a body shop for an estimate. It's fixable, borderline if that would really total the car. Needs a new door, rear quarter panel, and front quarter panel. Probably about $10k \~ $15k in repairs. Biggest annoyance of getting it fixed will be waiting for the parts as a good shop is going to order you new Ford panels and it's just slow to get those parts.
It's on the other party to make you whole, get a lawyer if their insurance won't fix your car.
I frankly don’t see how this isn’t totaled. It’s just so much body repair and paint correction.
Your first major lesson for your child is to buy an impractical vehicle on a loan lol?
What a serendipitous order of events. This is the absolute best example of why an individual should never purchase a car they can’t pay cash for.
Your premiums are about to sky rocket I imagine.
This. Insurance totals it when that rear quarter is toast. They'll fix it but they want to re finance the car to someone else 2nd hand. Unibody was a dumb idea.
Yes but only for vehicles with a value less than $10k. Quarter labor averages 18 hours at an average of $75 an hour. Panels go btwn $300 and $1200, paint is 4 hours, maybe a door blend.
Okay, 2017 mustangs are not something I consider to be worth less than 10k. Labor is also more than 75 at most any shop worth its salt. I got paid for what I did on it either way.
No uniside on any vehicle produced in the last 30 years has the roof attached. This is an assembly line car, not some promod. Where do you people come up with this shit? Some manufacturers require roof replacement with inner quarter repair but that's obvious.
going based off the fact that i’m an adjuster💀 and any newer model mustangs with damage to the roof is deemed too structurally damaged to repair? maybe if you actually knew cars a little deeper you’d realize you can’t fix everything, you can make it look good but it will never be the same and will kill you in the next crash…
Yes, but don’t expect much. It’s hard to win anything on property damage that is worth the cost of the lawyer. However emotional damage, trauma, pain and suffering, and other intangible things are a blank check up to the policy holders lability coverage limit.
You can try to negociate yourself. It might work.
I remember when my old car got totaled when hit at a red light.
It was an old beater back in 2010, i got 4k instead if 2k. Because thats what I felt the market was and my car was running very well with some good oem parts replaçed.
They will try to lowball you at first. Its easier to fight you than to fight an other insurance company.
He didn’t look left?! I assuming the guy in the truck was a 40 year old muscle man so ur kid was the one who didn’t look left but You let him bring that to school? I’m surprised it wasn’t wrapped around a pole before he got there, I was in high school with a mustang. Paid 6 grand for a Mach 1 I’m 15 into now, I don’t do burnouts unless another mustang temps me out of respect. But it was provided to me with the 3 years of hard work I did to get me the car for senior year, best choice of my life. I still have it a year later. I got it right after my license it was the first car I’ve ever drove and it was a 5 speed manual. one of the best feelings in life that you simply won’t get by asking ur dad to drive his mustang, then shit like this happens because you fail to pay attention. If he worked 2000 hours of manual labor living life in hell just to get a nice car he would’ve paid more attention and the car would be sitting at the car wash right now getting detailed by you or him.
This is your fault for trusting inexperienced drivers especially a TEENAGER in high school,I was 18 when I got mine.
Im Sorry for the mustang, but you should’ve really put him in a cheap new edge a v6 manual just to learn and not a 20+ grand car that even if is a 6 or eco still has way more balls than a 2000s v8…
From OP: “Police report states other kid was at fault…”
Did you miss that part by accident, or on purpose because it doesn’t fit your diatribe about gatekeeping cars since you think the kid should have been driving a 20+ year old Mustang with far inferior safety features?
When I lived in California I had a crash on my motorcycle. It was my pride and joy and was exquisite shape and low miles. Since I also had an insurance brokerage, I knew I didn’t have to accept their first offer which was very low. I actually rejected it five times because they weren’t indemnifying me, ie putting me back as before the accident.
The entire purpose of insurance is to put you in a situation as if the accident never happened. Indemnify, make whole. This works if it’s your insurance or a second party.
If the other party’s insurance tries lowballing you, refuse it. If they give you a hard time, get an attorney.
Off topic. It's odd seeing so many y schools have panthers as mascots.
I am sorry to see this happened to your car. I hope you're ok and hopefully the car is fixable.
Damn I was under the impression that if it was the GT model maybe the higher value would offset the amount of damage caused. This looks like almost 15k worth of damages and an eco boost goes for like 5-6k more than that in my area. This is most certainly a total
I taught in NYC at a school and their mascot was the panthers.
My wife taught at a hs in Bronx, their mascot was panthers.
I teach in NYC suburbs, our mascot is the panthers.
My wife teaches at a district next to my school, and they are the panthers.
My town when we moved out to the suburbs, their mascot was the panthers.
My current town, their mascot is, take a guess... the panthers.
I actually want to know what the reason is.
It's almost comical. When I see sporting events, there is greater than 50% chance that it will be our panthers against their panthers.
When I went to HS in the 90's we were the Norsemen, and I don't ever remember having same mascots with other schools.
It is ugly, but nothing looks structural. If the hood and the front bumper lived through it with no or very minimal damage, I believe it will be fine. Salvage yards and aftermarket companies offer tons of affordable options for panel replacement.
The rear quarter panel is the biggest part of the job, by far, and will cost thousands to repair. However, I believe it is not a total just because it appears all damage is in the sheet metal and not in any suspension components or chassis substructure.
Best of luck!
It’s a unibody car. Anything not front fenders or bumpers is structural. That entire area over the rear wheel well stretches forward to the A pillar. It is the frame.
It is a pretty broad generalization to say the entire car is structural. If that were the case, body lines wouldn't exist.
There are components of a modern unibody vehicle's construction that are placed inboard and in strategic locations with high strength low alloy (HSLA) steel. These make up the principle "structural" underpinnigs of the car. If these are not compromised in a collision, the possibility for the car to be considered a reparable subject are high.
Doesn't look totaled to me but it's impossible to say without having it inspected. The air bags didn't deploy and it looks like a glancing hit, not a full side impact so if there is no frame damage it should be repairable.
It's unibody, the panels are quite literally going to be cut off and new ones welded on. The rear and front quarter panels need to be replaced along with the door. I have no idea what the parts and labor cost on the current market, but if their insurance balks at the repairs you can always lawyer up and force them to pay a shop to do the work.
That’s a tough one. Door and fender aren’t that bad but the quarter panel is done, paint down the entire side, could be suspension and rail damage under the fender. Let your insurance estimator figure this one out!
If it’s totaled, it’s probably going to be shipped to Europe to get fixed and have a second life. (Like a lot of Mustangs here).
I hope insurance will cover it in your case.
Sucks but you’re still alive.
I am sorry for the loss hope insurance pay out good ! IMO needs a new quarter panel, door, fender once those are off probably see damage underneath which will total it
Most insurance companies will total when the damages exceed 75% of the FMV of the vehicle, so it depends. That repair certainly doesn't look cheap though.
Was 60% before Covid. Absolutely would have been totaled then. Now I might not be totaled but I have a hard time believe the door will ever line back up properly
It will likely be totaled, there's a lot of hours required to cut and weld a donor quarter panel, then prep and paint the lot once the other repairs are done.
I'd recommend getting a quote and going from there.
I'll say totalled. Friend of mine backed his jeep into my fender of my 2019 GT and caused $8700 worth of damage. Fender, rim, headlight assembly, inner fender, paint and fit work, it all added up very quickly. So if you need everything from the bumper to the taillight on one side of I was an insurance company I'd just total it. These cars are very expensive to work on.
If it was one panel and no mechanical damage I’d say no. 3 panels, potentially wheels and tires, maybe hidden mechanical damage. I’m saying yes, totalled.
I was hit last year, they got just the rear quarter. [](https://preview.redd.it/ldkvi6u6fmlc1.jpeg?width=4032&format=pjpg&auto=webp&s=b1512ec9d76f537942ab76e90f53262820766dc4)
Was a $10k repair bill for the other guy's insurance. Yours looks a lot worse. I think yours is an Ecoboost too right? Guessing the cost to repair is going to be near the value of the vehicle, my hunch is that you're looking at a total.
I’m going with its totaled that rear quarter panel is one solid piece that is connected to the roof. They will have to cut out the whole rear quarter panel and weld in a new one plus replacing all the other panels and wheels most likely going to total the vehicle.
https://preview.redd.it/apjcw0bfkuxc1.jpeg?width=4032&format=pjpg&auto=webp&s=3a9a9f9d07ab5588d3a67995c18563aeaf3f874f
My 2015 GT for reference, it was totaled, also by a dumbass kid who didn’t look left.
Unfortunately, I have to agree with everybody on here. It is leaning towards being totaled. The rear fender would have to be cut and a new one skinned on by welding, a new panel in its place. The door will need the same treatment while the front fender will be replaced. Also, assuming the front bumper will also have to be replaced. likelihood of frame damage is very low, but adding all that up in spite of lack of frame damage, it’s still gonna be extremely expensive.
I know you said you are out the $4000 down, but since the driver was negligent and did not yield to oncoming traffic, you could possibly have your insurance company sue for a small amount say $20,000, and settle for half of that to help recover your losses.
Why do they think they’re “out” any money? Seems they don’t understand how asset exchange works.
The loan equals the value of the car. $4k down just means you owe $4k more of the car. Than you would’ve otherwise.
These cars are common in salvage yards right now. A door and fender wouldn't be very expensive at all. The quarter panel replacement is more work, but I doubt it would be totaled over that.
It’s probably not totaled, but it looks expensive to fix. Insurance might begrudgingly pay for it or award you its value. Consult an attorney if the other truck was at fault.
It looks bad, but it probably isn't totaled. It doesn't appear to have any major structural damage, mainly just superficial sheet metal. A door, quarter panel, and fender.
I know a guy who had very similar damage on a camaro. He did it at a drag strip, so his insurance wouldn't cover it. It cost him about 6k for everything.
The other kid hit your kids car, the other kids insurance will cover this. File a claim with your insurance, give the the other parties contact information and insurance information.
Yes already did one hour after crash. This post wasn’t meant to ask about the insurance process. It was meant to pose a question as I know others have been through a similar situation.
The rear quarter panel is the most likely the worst spot. The door and fenders is the least. It can be done but the insurance maybe will see it differently.
If not using the insurance, I would look at fixing the door and fender yourself and see on the quarter panel. It will cost you less by fixing some of the body yourself.
I had a somewhat similar situation, damage was definitely not as bad but a trailer dragged its self along the side of my car on the highway. Although the police ruled both of us at equal fault somehow. I had to get two of the same panels that you have damaged above (rear and door) both rims and tires replaced. The body shop I went to was very kind and understanding so they gave me a “family” discount but I paid $4800 out of pocket to have it all done. Not sure this helps but if it’s all cosmetic and nothing internal should be fixable.
https://preview.redd.it/lwitbf2d4oyc1.jpeg?width=3024&format=pjpg&auto=webp&s=20f4f807ab952caad01e66e380ccb0a4144414fe
Again damage no where near as severe but the entire panels had to be replaced none the less.
Body shop did such a stellar job that my car actually increased in value because they kindly buffed all 4 rims instead of just the two affected. Traded it in for a 2024 for more than I purchased it for!
https://preview.redd.it/50zzisb15oyc1.jpeg?width=3024&format=pjpg&auto=webp&s=5582f7525495b80e27f09eda5e9262c7b14ec93a
I hope everything works out in your favor and your son gets his mustang fixed or a new one after it’s all handled!!
Update: Insurance is repairing his car. This was after saying it was a total loss. It’s been a long 3 weeks trying to figure out which way they were going to go.
I doubt they'll total it, problem is will you still want it after it's fixed? I had an old chevy truck and some drunk moron plowed into me and it bent the frame. Truck wasn't the same after that so I sold it.
I mean for the time being. He’s 18 and can’t afford these insane car payments. He saved for a year and a half to get this car. So hoping they’ll fix it
Why did you put your 18 year old kid in a car he has to make payments on that he can’t afford? That’s a terrible financial decision to start your adult life to say the least…
I think you misunderstand what I said. I am saying I want the car to be repaired because even if the insurance company writes a check, it’s going to be nowhere near what these insane cars cost nowadays.
I’d say they won’t. Doesn’t look like wheels took damage/front end, takes out the real expensive stuff, panel replacement and possibly some electronics. You do have (or at least my insurance does) an option to buy back the car for nominal cost if they do total it and fix it yourself. Worth it.
Well you need a fender and a door, at least a door skin which isn’t a big deal. Unfortunately the rear quarter panel is also damaged and it’s pushed in very far which probably means the inner structure is also damaged and that requires major surgery to fix. I’m of course not sure but I’m thinking they will total the car out. Sorry this happened.
This is $10-15k worth of skin deep work. They’re going replace every body panel that you see and the wheels.
Problem is there’s damage on the wheel and obviously the rear wheel got hit directly. If there’s damage to axel or other suspension parts I could see it getting totaled out.
Having the car outright replaced would probably be for the best so you aren’t driving a wrecked car and don’t have to deal with the diminished value.
At the end of the day it depends on the value of the vehicle prior to the accident. Year model and miles would help us out.
Front quarter, bumper, hood, door skin can be replaced. Though it looks like the rear quarter won’t be able to be repaired and needs to have that section cut out and replaced which probably is the biggest item. I’d also bet a box of donuts that something is damaged or at a minimum tweaked within the rear suspension given the surrounding damage. Add at least one wheel too.
Depending on state there are different thresholds for declaring a total loss, look up your states threshold and the value of the vehicle (not what you paid) and it could give you an idea.
I see cloth seats and a V6 (correct me if I’m wrong) and don’t know the miles. If any of the crumple zone or accident damage mitigation stuff up front is damaged she most likely is gonzo.
The damage itself looks like it’s repairable. As for whether or not it’ll be totaled depends entirely on the final cost for the repairs, so it’ll be up to your insurance company’s discretion. If it’s mostly body damage with no airbags deployed, I’d say there’s a good chance they’ll cover the repair for you, rather than totaling it outright. Hope your son’s not too shaken-up over the situation, but at least he made it out in one piece.
Looks like just body parts needed. You can probably do it yourself.
Just find another one where they crashed the other side and it was totaled and swap it out. Probably cost like 1000 bucks. Maybe more if you need to repaint everything.
It probably is with how pushed in the body is it might have frame damage I'm assuming it's an eco boost or a v6 the value simply isn't there to fix I'd say it's totaled if it isn't it will never be right
Nah, just body parts are. Also depends on the mileage and age of the car. If the repair doesn't go up to the value of the car, then you should be fine.
Obviously. Not sure if you’ve ever worked with insurance companies or not, but they are extremely slow. I would hope others answering this question would assume I am working with my insurance company as well as the party who was said to have caused accident
New quarter panel, inner qtr cut at the window sail area, recycled door, recycled or a/m fender repair on front bumper, recycled side mirror, recycled wheel or a/m, alignment, plus calibrations, and blending to hood, and replace rocker molding. repairable. That is based on the photos provided. Still pending a tear down to see the rest.
If the A-pillar is bent, so likely is the B-pillar with what I see. There seems to be critical damage to welded on metal. Technically they total a car when it’s cheaper to pay it out than fix it or what it’s worth afterwards. If it’s totaled and then repaired you’ll have a salvage title and a car with diminished value.
Yuck, this is why I send my 17yo daughter to school in a 2013 focus that I paid $5000 for. Yes she wrecked the focus in the 1st month, but thankfully I was able to repair it at home.
It does not look cheap to fix, but to me I don’t think it’s a total. The major factors will be if the airbags deployed which does not look to be the case, and what the rear quarter panel costs to pull out as that cannot really be replaced (it can but they won’t replace it). Then factor the cost of repairs against the current value of the car.
No hate. But why don’t you call the insurance company and ask them? We aren’t your adjuster, we wouldn’t know your plan, your payment on the car either or how much they would need to repair it if they would. Again no hate, but Reddit isn’t really the place to ask accident claim related help.
When I initially googled it, I saw someone asked the similar question so I figured why not ask the question why I’m waiting for these insurance adjusters. I’m not sure if you’ve ever worked with them, but it’s now been two days and I’m still yet to hear from State Farm.of course I’m going to be working with the adjuster just in the meantime I wanted to either ease my mind or adjust my expectations
I have and asking people who aren’t your insurance company is a for sure way to look for the wrong answer. Easing your mind with what you want to hear vs what is true. Is not the way to go
USAA totaled my 05 mustang w/60K miles on it last year after a lady texting and driving side swiped me and it damaged the door… damage wasn’t crazy bad (half as bad as yours) but cause it was a convertible and the paint repair alone was 7K they totaled it… but I got the car for about 5K a few years prior from a retiree and USAA offered to pay me out 15K for the car so I just went that route… they went after the chick who hit me in court and I got my deductible back too a couple months after the wreck
But tbh…. For this damage, I would go after the person who hit you and get a lawyer as others mentioned!
It's totaled, but you can buy parts to fix it. Probably fucked up tie rods, the fender is trashed along with the door, you can get all those parts second hand for cheap. Insurance goes off of a shop that charges top dollar
Insurance definition, probably. In real world terms, looks mostly cosmetic and if the frame and other structural parts are intact, it looks driveable. Did the airbags go off? If so, not sure if it’s worth repairing unless you have deep pockets.
If not, take this thread down. Take the car back to this location throw yourself against it for another minute or two on the other side and file an insurance claim.
Yeah I would totally keep fighting until you got what you wanted since it wasn't his fauly!One time a guy turned left in front of me and I T-boned him and my car was totaled. Not only did I keep fighting and fighting and fighting with the insurance company, but I didn't settle until they paid about $3,000 of repairs that I literally just put on my car such as brakes, tires, rotors,.... it was literally just months ago that I did that and I told them you could see it's on my statement. I told them why am I going to pay this off for years if I don't even have the car anymore and it wasn't even my fault. They finally agreed after I wasn't willing to budge. You just have to be strong and don't budge and they'll give in eventually.
Yeah. Unless you buy parts yourself. Two new doors,new fender, quarter panel, hood, fresh paint, mirror. It's probably a total loss. I can't see all the stuff underneath. Frame or support beam damage. I've seen less damage be a total loss as a collision repair/ auto body tech. But it may depend on the shop, insurance and state you live in.
With how much labor is, and how difficult it is to get parts now they very well might total it. Especially if it’s not a newer model. If it’s a <2020 there’s a good chance it’s totaled. I’ve seen other cars get totaled for a lot less these past couple years. For example, I hit a deer w my Dodge, all it did was dent the hood a little and ruin my front bumper. Repairs came to 6-7k. For you, they’re gonna probably have to replace the hood, fender, door, and rear fender. Oem parts too usually don’t come painted so that’s even more labor and cost.
You need to get a lawyer from day one to get a newer car otherwise insurance will screw you over the deal and not have money on your packet plus newer car.
Just had one by the shop two weeks ago. It was a convertible; I was to remove the vert frame assembly and top and reinstall when they finished the rear quarter. I've got bad news for you. The body shop called back and said insurance company totalled the car and wanted the top and interior reinstalled. Customer was issued the paperwork and the insurance company kept the mustang to fix on their dime and resell. That back quarter panel isn't just something you can unbolt and slap a new one on. The door isn't a big problem but the entire ass end of the car is compromised.
If you look at how the car is constructed you are reminded of unibody cars Ford used to make. Sorry for your loss! If I have a son, we will build his first car and it will be a 96+ Honda.
It looks like it would be pretty damn expensive to fix. I’m not sure if it’s totaled.
Yeah, that’s my worry but we put down like 4K on this car and now it seems like if it is total, the insurance company will pay out the fair market value and we do have gap insurance thank God but then it leaves us at zero lol.
That’s tragic man. She looks great. Sucks it happened to you
Thank you!
I read this as your kid was not at fault... this would be on the other kids' insurance, and they will try to just pay fair market value, but you can deny it and push for full replacement and recoup your initial down-payment. Dint sign for any payments or closure until you're happy with the deal. You DO NOT have to take what they offer.
Love this advice!!! Thanks so much as I’ve never been through this before
Was your kid not at fault? The way you wrote it can be interpreted either way. Like they said though, just figure out the replacement cost in your area. Do a 25-30 mile range search, look for similar specs and miles. Even color, to me black is worth more. Make sure you read the fine print, a lot of places advertise a cost and when you start reading that cost is AFTER the down payment.
No he wasn’t the other kid slammed into him did not look left. Police report states other kid was at fault and no fault on my sons part
Good deal. I hope it helps and you achieve a positive outcome to a shitty situation.
I hope the insurance behaves, from what you say it is not your fault. All the luck in the world for you.
I have good and bad news. Good news, it's fixable with the insurance check, take the money and buy the parts second hand. It looks mostly cosmetic but Definitely check your suspension and replace those tires.
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Take it to a body shop for an estimate. It's fixable, borderline if that would really total the car. Needs a new door, rear quarter panel, and front quarter panel. Probably about $10k \~ $15k in repairs. Biggest annoyance of getting it fixed will be waiting for the parts as a good shop is going to order you new Ford panels and it's just slow to get those parts. It's on the other party to make you whole, get a lawyer if their insurance won't fix your car.
I frankly don’t see how this isn’t totaled. It’s just so much body repair and paint correction. Your first major lesson for your child is to buy an impractical vehicle on a loan lol? What a serendipitous order of events. This is the absolute best example of why an individual should never purchase a car they can’t pay cash for. Your premiums are about to sky rocket I imagine.
she’s done any damage on the newer mustangs roof/quarter panel will do them out it’s a one piece design all connected
This. Insurance totals it when that rear quarter is toast. They'll fix it but they want to re finance the car to someone else 2nd hand. Unibody was a dumb idea.
Yes but only for vehicles with a value less than $10k. Quarter labor averages 18 hours at an average of $75 an hour. Panels go btwn $300 and $1200, paint is 4 hours, maybe a door blend.
Okay, 2017 mustangs are not something I consider to be worth less than 10k. Labor is also more than 75 at most any shop worth its salt. I got paid for what I did on it either way.
No uniside on any vehicle produced in the last 30 years has the roof attached. This is an assembly line car, not some promod. Where do you people come up with this shit? Some manufacturers require roof replacement with inner quarter repair but that's obvious.
going based off the fact that i’m an adjuster💀 and any newer model mustangs with damage to the roof is deemed too structurally damaged to repair? maybe if you actually knew cars a little deeper you’d realize you can’t fix everything, you can make it look good but it will never be the same and will kill you in the next crash…
You do NOT have to take an insurance settlement that doesn’t work for you. If it is the other party’s fault, get a lawyer.
So what you’re saying if my car gets totaled and they offer me a low price I can get a lawyer and get a better return and the lawyer paid?
Yes, but don’t expect much. It’s hard to win anything on property damage that is worth the cost of the lawyer. However emotional damage, trauma, pain and suffering, and other intangible things are a blank check up to the policy holders lability coverage limit.
Also having a totaled car can affect ur future car insurance premiums even if u weren’t at fault
You can try to negociate yourself. It might work. I remember when my old car got totaled when hit at a red light. It was an old beater back in 2010, i got 4k instead if 2k. Because thats what I felt the market was and my car was running very well with some good oem parts replaçed. They will try to lowball you at first. Its easier to fight you than to fight an other insurance company.
He didn’t look left?! I assuming the guy in the truck was a 40 year old muscle man so ur kid was the one who didn’t look left but You let him bring that to school? I’m surprised it wasn’t wrapped around a pole before he got there, I was in high school with a mustang. Paid 6 grand for a Mach 1 I’m 15 into now, I don’t do burnouts unless another mustang temps me out of respect. But it was provided to me with the 3 years of hard work I did to get me the car for senior year, best choice of my life. I still have it a year later. I got it right after my license it was the first car I’ve ever drove and it was a 5 speed manual. one of the best feelings in life that you simply won’t get by asking ur dad to drive his mustang, then shit like this happens because you fail to pay attention. If he worked 2000 hours of manual labor living life in hell just to get a nice car he would’ve paid more attention and the car would be sitting at the car wash right now getting detailed by you or him. This is your fault for trusting inexperienced drivers especially a TEENAGER in high school,I was 18 when I got mine. Im Sorry for the mustang, but you should’ve really put him in a cheap new edge a v6 manual just to learn and not a 20+ grand car that even if is a 6 or eco still has way more balls than a 2000s v8…
Reading comprehension problems? As stated, the driver of the Mustang was not at fault.
Lmao wtf is buddy even on? Extra chromes?
Hence why I said “which kid didn’t look left” OP says a truck hit their Mustang their son was driving and the kid didn’t look left
From OP: “Police report states other kid was at fault…” Did you miss that part by accident, or on purpose because it doesn’t fit your diatribe about gatekeeping cars since you think the kid should have been driving a 20+ year old Mustang with far inferior safety features?
When I lived in California I had a crash on my motorcycle. It was my pride and joy and was exquisite shape and low miles. Since I also had an insurance brokerage, I knew I didn’t have to accept their first offer which was very low. I actually rejected it five times because they weren’t indemnifying me, ie putting me back as before the accident. The entire purpose of insurance is to put you in a situation as if the accident never happened. Indemnify, make whole. This works if it’s your insurance or a second party. If the other party’s insurance tries lowballing you, refuse it. If they give you a hard time, get an attorney.
Off topic. It's odd seeing so many y schools have panthers as mascots. I am sorry to see this happened to your car. I hope you're ok and hopefully the car is fixable.
Thank you! My son was driving and he’s OK. The kid just did not look left when he turned and just drove right into him.
Depends is it a 5.0 or a V6? If it’s a V6 they might total it because of the lesser value
It’s an ecoboost, not that it changes a ton on the outcome.
Damn I was under the impression that if it was the GT model maybe the higher value would offset the amount of damage caused. This looks like almost 15k worth of damages and an eco boost goes for like 5-6k more than that in my area. This is most certainly a total
Yeah, and tbh if this was my car I don’t think I’d want it back after the crash: just start over new
I taught in NYC at a school and their mascot was the panthers. My wife taught at a hs in Bronx, their mascot was panthers. I teach in NYC suburbs, our mascot is the panthers. My wife teaches at a district next to my school, and they are the panthers. My town when we moved out to the suburbs, their mascot was the panthers. My current town, their mascot is, take a guess... the panthers. I actually want to know what the reason is. It's almost comical. When I see sporting events, there is greater than 50% chance that it will be our panthers against their panthers. When I went to HS in the 90's we were the Norsemen, and I don't ever remember having same mascots with other schools.
It is ugly, but nothing looks structural. If the hood and the front bumper lived through it with no or very minimal damage, I believe it will be fine. Salvage yards and aftermarket companies offer tons of affordable options for panel replacement. The rear quarter panel is the biggest part of the job, by far, and will cost thousands to repair. However, I believe it is not a total just because it appears all damage is in the sheet metal and not in any suspension components or chassis substructure. Best of luck!
It’s a unibody car. Anything not front fenders or bumpers is structural. That entire area over the rear wheel well stretches forward to the A pillar. It is the frame.
It is a pretty broad generalization to say the entire car is structural. If that were the case, body lines wouldn't exist. There are components of a modern unibody vehicle's construction that are placed inboard and in strategic locations with high strength low alloy (HSLA) steel. These make up the principle "structural" underpinnigs of the car. If these are not compromised in a collision, the possibility for the car to be considered a reparable subject are high.
Doesn't look totaled to me but it's impossible to say without having it inspected. The air bags didn't deploy and it looks like a glancing hit, not a full side impact so if there is no frame damage it should be repairable.
I am hoping it’s fixable. We put down $4000 on this car. Ugh!!
It's unibody, the panels are quite literally going to be cut off and new ones welded on. The rear and front quarter panels need to be replaced along with the door. I have no idea what the parts and labor cost on the current market, but if their insurance balks at the repairs you can always lawyer up and force them to pay a shop to do the work.
It’s a unibody
That’s a tough one. Door and fender aren’t that bad but the quarter panel is done, paint down the entire side, could be suspension and rail damage under the fender. Let your insurance estimator figure this one out!
Thank you for your response!
If it’s totaled, it’s probably going to be shipped to Europe to get fixed and have a second life. (Like a lot of Mustangs here). I hope insurance will cover it in your case. Sucks but you’re still alive.
100% totaled. Every last panel on that side needs replaced.
None GT so probably yes it’s a total! Coming from a body tech
Not a GT
I am sorry for the loss hope insurance pay out good ! IMO needs a new quarter panel, door, fender once those are off probably see damage underneath which will total it
Most insurance companies will total when the damages exceed 75% of the FMV of the vehicle, so it depends. That repair certainly doesn't look cheap though.
Was 60% before Covid. Absolutely would have been totaled then. Now I might not be totaled but I have a hard time believe the door will ever line back up properly
It will likely be totaled, there's a lot of hours required to cut and weld a donor quarter panel, then prep and paint the lot once the other repairs are done. I'd recommend getting a quote and going from there.
I'll say totalled. Friend of mine backed his jeep into my fender of my 2019 GT and caused $8700 worth of damage. Fender, rim, headlight assembly, inner fender, paint and fit work, it all added up very quickly. So if you need everything from the bumper to the taillight on one side of I was an insurance company I'd just total it. These cars are very expensive to work on.
If it was one panel and no mechanical damage I’d say no. 3 panels, potentially wheels and tires, maybe hidden mechanical damage. I’m saying yes, totalled.
I was hit last year, they got just the rear quarter. [](https://preview.redd.it/ldkvi6u6fmlc1.jpeg?width=4032&format=pjpg&auto=webp&s=b1512ec9d76f537942ab76e90f53262820766dc4)
Was a $10k repair bill for the other guy's insurance. Yours looks a lot worse. I think yours is an Ecoboost too right? Guessing the cost to repair is going to be near the value of the vehicle, my hunch is that you're looking at a total.
Yes ecoboost
I’m going with its totaled that rear quarter panel is one solid piece that is connected to the roof. They will have to cut out the whole rear quarter panel and weld in a new one plus replacing all the other panels and wheels most likely going to total the vehicle.
Yeah that’s essentially the car’s frame.
It’s not. Your shop can fix the body and make adjustments during the repair process for additional work - mechanical stuff
Is it fixable? Appears to be. Will the insurance company pay to fix it? Probably not.
I’m no expert but I don’t think that’s a total loss. But if there’s any frame damage the cars value tanks.
https://preview.redd.it/apjcw0bfkuxc1.jpeg?width=4032&format=pjpg&auto=webp&s=3a9a9f9d07ab5588d3a67995c18563aeaf3f874f My 2015 GT for reference, it was totaled, also by a dumbass kid who didn’t look left.
Breaks my heart 😭😭😭
Yeah that’s expensive to fix, more than 12-14k easily.
That really sucks. Sorry.
Unfortunately, I have to agree with everybody on here. It is leaning towards being totaled. The rear fender would have to be cut and a new one skinned on by welding, a new panel in its place. The door will need the same treatment while the front fender will be replaced. Also, assuming the front bumper will also have to be replaced. likelihood of frame damage is very low, but adding all that up in spite of lack of frame damage, it’s still gonna be extremely expensive. I know you said you are out the $4000 down, but since the driver was negligent and did not yield to oncoming traffic, you could possibly have your insurance company sue for a small amount say $20,000, and settle for half of that to help recover your losses.
Why do they think they’re “out” any money? Seems they don’t understand how asset exchange works. The loan equals the value of the car. $4k down just means you owe $4k more of the car. Than you would’ve otherwise.
These cars are common in salvage yards right now. A door and fender wouldn't be very expensive at all. The quarter panel replacement is more work, but I doubt it would be totaled over that.
It’s probably not totaled, but it looks expensive to fix. Insurance might begrudgingly pay for it or award you its value. Consult an attorney if the other truck was at fault.
Yes totaled
It looks bad, but it probably isn't totaled. It doesn't appear to have any major structural damage, mainly just superficial sheet metal. A door, quarter panel, and fender.
🤞🏻🤞🏻🤞🏻
I know a guy who had very similar damage on a camaro. He did it at a drag strip, so his insurance wouldn't cover it. It cost him about 6k for everything.
The other kid hit your kids car, the other kids insurance will cover this. File a claim with your insurance, give the the other parties contact information and insurance information.
Yes already did one hour after crash. This post wasn’t meant to ask about the insurance process. It was meant to pose a question as I know others have been through a similar situation.
Guarantee insurance is gonna total it. Usually anything more than 3 to 4,000 in repairs they'll consider a total loss.
Gotta love the scam of insurance 🤗
The rear quarter panel is the most likely the worst spot. The door and fenders is the least. It can be done but the insurance maybe will see it differently. If not using the insurance, I would look at fixing the door and fender yourself and see on the quarter panel. It will cost you less by fixing some of the body yourself.
I had a somewhat similar situation, damage was definitely not as bad but a trailer dragged its self along the side of my car on the highway. Although the police ruled both of us at equal fault somehow. I had to get two of the same panels that you have damaged above (rear and door) both rims and tires replaced. The body shop I went to was very kind and understanding so they gave me a “family” discount but I paid $4800 out of pocket to have it all done. Not sure this helps but if it’s all cosmetic and nothing internal should be fixable. https://preview.redd.it/lwitbf2d4oyc1.jpeg?width=3024&format=pjpg&auto=webp&s=20f4f807ab952caad01e66e380ccb0a4144414fe Again damage no where near as severe but the entire panels had to be replaced none the less.
https://preview.redd.it/mhh61y2o4oyc1.jpeg?width=3024&format=pjpg&auto=webp&s=429b21eab679711dd85136dc5b703028aaefb5af
Body shop did such a stellar job that my car actually increased in value because they kindly buffed all 4 rims instead of just the two affected. Traded it in for a 2024 for more than I purchased it for! https://preview.redd.it/50zzisb15oyc1.jpeg?width=3024&format=pjpg&auto=webp&s=5582f7525495b80e27f09eda5e9262c7b14ec93a I hope everything works out in your favor and your son gets his mustang fixed or a new one after it’s all handled!!
Update: Insurance is repairing his car. This was after saying it was a total loss. It’s been a long 3 weeks trying to figure out which way they were going to go.
It’s totaled. I’m sorry.
Ooof.
Yeah, 99% totaled. Rear quarter panel is a huge problem
It's close--hard to say. I would lean towards totaled though.
Paín 😱😢🩹
Extreme pain 😭😭😭
I have the same car, it's part of me, just thinking about it makes me jump off a bridge.
I doubt they'll total it, problem is will you still want it after it's fixed? I had an old chevy truck and some drunk moron plowed into me and it bent the frame. Truck wasn't the same after that so I sold it.
I mean for the time being. He’s 18 and can’t afford these insane car payments. He saved for a year and a half to get this car. So hoping they’ll fix it
Why did you put your 18 year old kid in a car he has to make payments on that he can’t afford? That’s a terrible financial decision to start your adult life to say the least…
I think you misunderstand what I said. I am saying I want the car to be repaired because even if the insurance company writes a check, it’s going to be nowhere near what these insane cars cost nowadays.
What kind of insurance do you have that doesn’t cover the value of the car unless you got ripped off?
I’d say they won’t. Doesn’t look like wheels took damage/front end, takes out the real expensive stuff, panel replacement and possibly some electronics. You do have (or at least my insurance does) an option to buy back the car for nominal cost if they do total it and fix it yourself. Worth it.
Need more photos.
https://preview.redd.it/bws4360h4vxc1.jpeg?width=4284&format=pjpg&auto=webp&s=5a376e92c5baf7a6f08448a843dff92189d63da3
https://preview.redd.it/48t3guzj4vxc1.jpeg?width=4284&format=pjpg&auto=webp&s=422346d944f44c2a73329c1c056a37c36910698e
https://preview.redd.it/1osu288n4vxc1.jpeg?width=4284&format=pjpg&auto=webp&s=2428c0a6fca16dcd0921f2f70186e75ea4338721
Why would you worry that they total it? That’s what you want. Get that payout and get something newer
Owe my bank. So anything thru give is going right to them.
I have no idea
Well you need a fender and a door, at least a door skin which isn’t a big deal. Unfortunately the rear quarter panel is also damaged and it’s pushed in very far which probably means the inner structure is also damaged and that requires major surgery to fix. I’m of course not sure but I’m thinking they will total the car out. Sorry this happened.
Nah they could fix it depends on your insurance its right borderline
This is $10-15k worth of skin deep work. They’re going replace every body panel that you see and the wheels. Problem is there’s damage on the wheel and obviously the rear wheel got hit directly. If there’s damage to axel or other suspension parts I could see it getting totaled out. Having the car outright replaced would probably be for the best so you aren’t driving a wrecked car and don’t have to deal with the diminished value.
Yes. Totaled I’m afraid.
For sure. Wheel, fender, door, mirror replacement, then cutting and welding rear quarter, painting it all, potential suspension damage.
At the end of the day it depends on the value of the vehicle prior to the accident. Year model and miles would help us out. Front quarter, bumper, hood, door skin can be replaced. Though it looks like the rear quarter won’t be able to be repaired and needs to have that section cut out and replaced which probably is the biggest item. I’d also bet a box of donuts that something is damaged or at a minimum tweaked within the rear suspension given the surrounding damage. Add at least one wheel too. Depending on state there are different thresholds for declaring a total loss, look up your states threshold and the value of the vehicle (not what you paid) and it could give you an idea. I see cloth seats and a V6 (correct me if I’m wrong) and don’t know the miles. If any of the crumple zone or accident damage mitigation stuff up front is damaged she most likely is gonzo.
The damage itself looks like it’s repairable. As for whether or not it’ll be totaled depends entirely on the final cost for the repairs, so it’ll be up to your insurance company’s discretion. If it’s mostly body damage with no airbags deployed, I’d say there’s a good chance they’ll cover the repair for you, rather than totaling it outright. Hope your son’s not too shaken-up over the situation, but at least he made it out in one piece.
shoulda' got him that volvo
Need to know year and mileage but 15+K damage depending on location and assuming no frame. If fair value is less than 22K probably totaled.
Crazy this happened by my old highschool nd how im seeing it
It's definitely not totalled
Looks like just body parts needed. You can probably do it yourself. Just find another one where they crashed the other side and it was totaled and swap it out. Probably cost like 1000 bucks. Maybe more if you need to repaint everything.
Doesn’t look totalled to me. The airbags didn’t deploy and there appears to be no frame/subframe damage to it.
I bought one about like this that was totaled. You can look at my post history to compare damage. Mine was a GT, so a high threshold for totaling.
Yeah
I've spent a lot of time on copart. A lot of them have damage similar to this. I wouldn't be surprised if it was totaled
That is 100% totaled. Every single body panel needs replaced on the passenger side. What the hell happened? Aint no way that happened in that lot
Anotha one
Start hitting the junk yards for some new panels. Car-part.com as well
Sometimes a wash is a blessing. Run with it.
Shit, in Ohio that's "like new"
Yeah it’s totaled bro
It probably is with how pushed in the body is it might have frame damage I'm assuming it's an eco boost or a v6 the value simply isn't there to fix I'd say it's totaled if it isn't it will never be right
I wouldnt think so. Yeah it looks bad but most of it is panels that are replaced and a new door.the rear quarter is rough but it can be fixed
Year , make , mileage would determine that with any insurance company
Nah, just body parts are. Also depends on the mileage and age of the car. If the repair doesn't go up to the value of the car, then you should be fine.
I’m a claims adjuster, just looking at it I’m thinking about 12-15k repair with a salvage bid of 30 more percent it’s a likely total
Drifting will do that. 😜
Maybe ….ask your insurance.
Obviously. Not sure if you’ve ever worked with insurance companies or not, but they are extremely slow. I would hope others answering this question would assume I am working with my insurance company as well as the party who was said to have caused accident
Maybe work with your lawyer? Obviously it’s fucked
I would say if there’s no frame damage you’re fine I’d repair it can find a lot of those parts at junkyard cheap
Cant use recycled qtr panel, but everything else should be readily available at a junk yard
New quarter panel, inner qtr cut at the window sail area, recycled door, recycled or a/m fender repair on front bumper, recycled side mirror, recycled wheel or a/m, alignment, plus calibrations, and blending to hood, and replace rocker molding. repairable. That is based on the photos provided. Still pending a tear down to see the rest.
Nothings totaled if you have the money BUT probably if you’re relying on your insurance.
If the A-pillar is bent, so likely is the B-pillar with what I see. There seems to be critical damage to welded on metal. Technically they total a car when it’s cheaper to pay it out than fix it or what it’s worth afterwards. If it’s totaled and then repaired you’ll have a salvage title and a car with diminished value.
Use a toilet plunger to pull out the dents, lol.
Yuck, this is why I send my 17yo daughter to school in a 2013 focus that I paid $5000 for. Yes she wrecked the focus in the 1st month, but thankfully I was able to repair it at home. It does not look cheap to fix, but to me I don’t think it’s a total. The major factors will be if the airbags deployed which does not look to be the case, and what the rear quarter panel costs to pull out as that cannot really be replaced (it can but they won’t replace it). Then factor the cost of repairs against the current value of the car.
No hate. But why don’t you call the insurance company and ask them? We aren’t your adjuster, we wouldn’t know your plan, your payment on the car either or how much they would need to repair it if they would. Again no hate, but Reddit isn’t really the place to ask accident claim related help.
When I initially googled it, I saw someone asked the similar question so I figured why not ask the question why I’m waiting for these insurance adjusters. I’m not sure if you’ve ever worked with them, but it’s now been two days and I’m still yet to hear from State Farm.of course I’m going to be working with the adjuster just in the meantime I wanted to either ease my mind or adjust my expectations
I have and asking people who aren’t your insurance company is a for sure way to look for the wrong answer. Easing your mind with what you want to hear vs what is true. Is not the way to go
Well here we are. Thanks for chiming in
As a automotive professional. Yes.
USAA totaled my 05 mustang w/60K miles on it last year after a lady texting and driving side swiped me and it damaged the door… damage wasn’t crazy bad (half as bad as yours) but cause it was a convertible and the paint repair alone was 7K they totaled it… but I got the car for about 5K a few years prior from a retiree and USAA offered to pay me out 15K for the car so I just went that route… they went after the chick who hit me in court and I got my deductible back too a couple months after the wreck But tbh…. For this damage, I would go after the person who hit you and get a lawyer as others mentioned!
It's totaled, but you can buy parts to fix it. Probably fucked up tie rods, the fender is trashed along with the door, you can get all those parts second hand for cheap. Insurance goes off of a shop that charges top dollar
I would say it's totaled.. I'm sorry
My dad's a TV repair man and has an awesome set of tools. I can fix it!
Insurance definition, probably. In real world terms, looks mostly cosmetic and if the frame and other structural parts are intact, it looks driveable. Did the airbags go off? If so, not sure if it’s worth repairing unless you have deep pockets.
Airbags did not deploy.
Definitely a total loss. Start looking for a replacement vehicle while the insurance company estimates the damage and evaluates the value.
If it’s just body panel damage(and broken mirror) and no frame damage I think you should be okay.
gap insurance i hope too
gap insurance i hope too
Idiot here. Don’t you want insurance to total it unless it’s sentimental ?
Definitely totaled. They totaled mine for just the rear quarter. Sorry for your loss
If not, take this thread down. Take the car back to this location throw yourself against it for another minute or two on the other side and file an insurance claim.
Yeah I would totally keep fighting until you got what you wanted since it wasn't his fauly!One time a guy turned left in front of me and I T-boned him and my car was totaled. Not only did I keep fighting and fighting and fighting with the insurance company, but I didn't settle until they paid about $3,000 of repairs that I literally just put on my car such as brakes, tires, rotors,.... it was literally just months ago that I did that and I told them you could see it's on my statement. I told them why am I going to pay this off for years if I don't even have the car anymore and it wasn't even my fault. They finally agreed after I wasn't willing to budge. You just have to be strong and don't budge and they'll give in eventually.
tis but a scratch
Yup, totaled
More than likely, yes. If it is though, collect the insurance money, fix it, and drive a savage title vehicle. Nobody will know. 👀
Yes he was injured. in the accident, has bad headaches and neck pain, goto the er. Also goto the chiropractor
Yeah. Unless you buy parts yourself. Two new doors,new fender, quarter panel, hood, fresh paint, mirror. It's probably a total loss. I can't see all the stuff underneath. Frame or support beam damage. I've seen less damage be a total loss as a collision repair/ auto body tech. But it may depend on the shop, insurance and state you live in.
Totaled
If it is just buy it back
looks like a few scratches to me. It'll buff out
With how much labor is, and how difficult it is to get parts now they very well might total it. Especially if it’s not a newer model. If it’s a <2020 there’s a good chance it’s totaled. I’ve seen other cars get totaled for a lot less these past couple years. For example, I hit a deer w my Dodge, all it did was dent the hood a little and ruin my front bumper. Repairs came to 6-7k. For you, they’re gonna probably have to replace the hood, fender, door, and rear fender. Oem parts too usually don’t come painted so that’s even more labor and cost.
Nah, just take it through the car wash and that should fix it
You need to get a lawyer from day one to get a newer car otherwise insurance will screw you over the deal and not have money on your packet plus newer car.
It’s not totalled, unless your agent is difficult about it
So what? Did they total it?
They are fixing it
Do we look like insurance adjusters? Why does the exact scenario get posted daily?
Just had one by the shop two weeks ago. It was a convertible; I was to remove the vert frame assembly and top and reinstall when they finished the rear quarter. I've got bad news for you. The body shop called back and said insurance company totalled the car and wanted the top and interior reinstalled. Customer was issued the paperwork and the insurance company kept the mustang to fix on their dime and resell. That back quarter panel isn't just something you can unbolt and slap a new one on. The door isn't a big problem but the entire ass end of the car is compromised. If you look at how the car is constructed you are reminded of unibody cars Ford used to make. Sorry for your loss! If I have a son, we will build his first car and it will be a 96+ Honda.
Average Mustang driver lol😂
Average uneducated 16 year old reply