My car just got totaled!

[Cloud102]

So, this was a hit and run. Bad stuff. Hit me on my side and I'm pretty sure it will qualify as a totaled vehicle.

This is my first accident, so I don't know what to expect when the adjuster will give me a value on my Yaris. Basically, I'd like to hear some opinions on what it's worth and what he should give me, because I hear they try to lowball it.

My car is a 2007 Yaris. Excellent condition, with airbags, automatic, etc... non powered windows, though. Oh, and 41338 is the mileage.

I tried a bunch of sites like Kelly Blue book and Edmunds, but each give me different amounts.

Any help is appreciated.

[tk-421]

Good to know you are OK. Be sure to give the doctor a visit for a physical.

[HTM Yaris]

Pics Please :smile:

[darthbauer]

There really isn't much to expect since different insurance companies handle things differently. Make sure you are covered if the car is sitting at a tow yard or something. If your not covered then get it out of there as quick as you can.

[Tamago]

call your insurance company :) they'll tell you what it's worth to them

[bnther36]

Glad to hear that you're OK

You're looking at this all wrong. Total it and buy a new one. There are some really good deals on the Yaris these days.

:evil::evil::evil:

[SilverBack]

Just glad to hear you're okay :smile:

What is this, like the 7th Yaris totaled this year so far? :eek:

[twowheels]

When my Elantra was totaled I was also worried about what the insurance company would pay as Hyundais aren't exactly know for their resale value.

Even with 20k miles on it the final payout was actually more than I'd paid for it brand new... not sure what your insurance company will do, but it's not impossible to come out OK with insurance companies.

[90tsi]

I totalled mine the 27th of dec. last year. when i did they gave me alot more than i was expecting. my 07 with like 53xxx on it, they gave like 11,700 or close to it. i actually made money on the deal. and i took it all and pumped it into my 09 i bought. honestly i wouldnt worry about it.... its toyota they hold value

[cleong]

At the rate Yarii are getting wiped off the roads, it may start costing a lot more to insure them, like they were sports cars or something.

[brainless twit]

I have insurance through Progressive. When I totaled my HHR last year, they used the highest value from NADA. I didn't even have to fight them for it. The car had about 70k miles on it and was a 2006.

[SailDesign]

I have insurance through Progressive. When I totaled my HHR last year, they used the highest value from NADA. I didn't even have to fight them for it. The car had about 70k miles on it and was a 2006.

THat's who I'm with, and had the same experience in March when i totalled my '07 HB. Rates went DOWN with the new car, coz of the ABS and side-curtain airbags.

[Cloud102]

Good to know you are OK. Be sure to give the doctor a visit for a physical.

Thanks, but I have no medical. :( I'm pretty sure I'm ok. No backlash or anything. Wish I could have said the same for the car. :(

[Cloud102]

There really isn't much to expect since different insurance companies handle things differently. Make sure you are covered if the car is sitting at a tow yard or something. If your not covered then get it out of there as quick as you can.

My insurance will move it out tomorrow, once I sign the paper work at the tow place. Thanks.

[Cloud102]

When my Elantra was totaled I was also worried about what the insurance company would pay as Hyundais aren't exactly know for their resale value.

Even with 20k miles on it the final payout was actually more than I'd paid for it brand new... not sure what your insurance company will do, but it's not impossible to come out OK with insurance companies.

I have 20k more miles, but my Yaris was in excellent condition and only a couple years old. BTW, what is your insurance? I have Liberty Mutual. Hopefully they can give me 7k or 8k. Looking at edmunds and kelly's, that's how much it should be.

[id3379]

That's a total bummer that it was a hit and run man, sorry to hear that. :(

Got pics by chance ?

[WolfWings]

Thanks, but I have no medical. :( I'm pretty sure I'm ok. No backlash or anything. Wish I could have said the same for the car. :(

Actually, in this case you do have medical insurance. Same insurance that covers your car. Either you have Combined Single Value, which you can allocate some of that towards medical bills for an exam and what-not, or you have a seperate Medical coverage category (every single state requires some medical coverage) which, again, you can use for your exam.

Go get your ass to a doctor, especially if it was a side-impact like you're describing. :respekt:

[voodoo22]

At the rate Yarii are getting wiped off the roads, it may start costing a lot more to insure them, like they were sports cars or something.

That's what happened with the Civics around here. hopefully the insurance companies will distinguish between the hatch and sedan as I'm sure most of the modded Yaris are hatches.

[roxy1]

I have 20k more miles, but my Yaris was in excellent condition and only a couple years old. BTW, what is your insurance? I have Liberty Mutual. Hopefully they can give me 7k or 8k. Looking at edmunds and kelly's, that's how much it should be.

KBB 2007 hatch 2 door with really no extra options and 41338 miles has retail value of $10,835. i think you would get much closer to that than $7 or $8k.

[scape]

That's what happened with the Civics around here. hopefully the insurance companies will distinguish between the hatch and sedan as I'm sure most of the modded Yaris are hatches.

:thumbdown:

don't be biased! haha

hope you're alright, I'm sure your insurance will handle everything, just make sure you feel ok, a crash takes a few days to almost two weeks to fully affect your body.

[MUSKOKA800]

Yes, see a doctor for a check-up, especially if you're feeling ANY ill effects. Best to have it documented. Even if only minor.
And yes, prepare to be low-balled by your insurance company. Do your research and be prepared to refuse their settlement offer if you feel it's not fair. In the end you should be able to replace the car with a similar one (make, model, year, mileage and options) at no financial loss to you. Your time and the nuisance of the whole process will be your loss.

[SailDesign]

That's what happened with the Civics around here. hopefully the insurance companies will distinguish between the hatch and sedan as I'm sure most of the modded Yaris are hatches.

What difference does it make if the car is modded? I hadn't noticed the modded hatches taking any more hits than anything else.
Just curious/

[roxy1]

What difference does it make if the car is modded? I hadn't noticed the modded hatches taking any more hits than anything else.
Just curious/

the main reason civics insurance rates are high is the incredible rate at which they are stolen.

back to the insurance settlement. in most instances that i have seen, people come out pretty well when a car is totalled. getting the current retail value is pretty common.

[SailDesign]

the main reason civics insurance rates are high is the incredible rate at which they are stolen.

back to the insurance settlement. in most instances that i have seen, people come out pretty well when a car is totalled. getting the current retail value is pretty common.

You still haven't said what difference being modded makes. :sigh:

[The little red pill]

"Modded" hatches are typically owned by a demographic that insurance companies rate as "high risk" (i.e. teenage and 20 something males). Statistically, younger males tend to take more risks, have less experience, and have more distractions (i.e. texting while driving, or playing with their new ipod while driving).
With that being said, it would seem logical that "modded" hatches would be involved in more accidents since "Junior" just put on a cold air intake and wants to race anything that moves. Thus in his hormone engulfed state to prove his masculanity, he doesn't see the old lady merging legally into traffic and then collides with her.
As this senario plays out more, and more "modded" hatches are in accidents, insurance companies will take notice and raise rates. Just food for thought. Hummmmm . . . . . now I'm off to find something for lunch.

[roxy1]

You still haven't said what difference being modded makes. :sigh:


none in the context of whoever mentioned it in the first place.

[auxmike]

I'm glad you're ok, but....
:needpics:

[scape]

"Modded" hatches are typically owned by a demographic that insurance companies rate as "high risk" (i.e. teenage and 20 something males). Satistically, younger males tend to take more risks, have less experience, and have more distractions (i.e. texting while driving, or playing with their new ipod while driving).
With that being said, it would seem logical that "modded" hatches would be involved in more accidents since "Junior" just put on a cold air intake and wants to race anything that moves. Thus in his hormone engulfed state to prove his masculanity, he doesn't see the old lady merging legally into traffic and then collides with her.
As this senario plays out more, and more "modded" hatches are in accidents, insurance companies will take notice and raise rates. Just food for thought. Hummmmm . . . . . now I'm off to find something for lunch.

if more hatches end in accidents year after year, then yes hatches will have a higher rate-- modded or not. to say young males have more distractions is unfounded, but you're right they probably do take more risks. as i've been at the end of that stick for many years, my insurance finally dropped in rates last year as i am no longer considered part of that risky age group...

[The little red pill]

if more hatches end in accidents year after year, then yes hatches will have a higher rate-- modded or not. to say young males have more distractions is unfounded, but you're right they probably do take more risks. as i've been at the end of that stick for many years, my insurance finally dropped in rates last year as i am no longer considered part of that risky age group...

Note: "I" never said "anything" about that age group. That's why I prefaced it with "statistically". Call any insurance company for a rate, and if you're under 25 and a male, guess what? Higher rate. I'm careful not to express my "personal" opinions much on this forum as I'm sure I would end up offending someone. That's why I like to use "statistics" and "logical reasoning sans my personal bias"

[YarYarBinks]

pics or it never happened

[Aothachos]

"Modded" hatches are typically owned by a demographic that insurance companies rate as "high risk" (i.e. teenage and 20 something males). Statistically, younger males tend to take more risks, have less experience, and have more distractions (i.e. texting while driving, or playing with their new ipod while driving).
With that being said, it would seem logical that "modded" hatches would be involved in more accidents since "Junior" just put on a cold air intake and wants to race anything that moves. Thus in his hormone engulfed state to prove his masculanity, he doesn't see the old lady merging legally into traffic and then collides with her.
As this senario plays out more, and more "modded" hatches are in accidents, insurance companies will take notice and raise rates. Just food for thought. Hummmmm . . . . . now I'm off to find something for lunch.


I'm turning 19 in 2 months and my insurance is retarded expensive for just a yaris. Oh didn't go to college this semester okay we raise your insurace now your paying almost an extra $100 a month lol. I'm not even a bad driver at all and I know it, everyone I know my age got into accidents (my best friend totaled his saturn trying to rip the e-brake around the corner lost control and hit a tree, my ex-girl already backed up into a fire hydrant with her mustang and she had an accident already with a camaro when she was 15) but I avoid them all the time, I just don't know how kids can be so stupid at my age driving, I care for my yaris too much to put at risk lol. If anything they should raise the insurance on elderly people in their 60's and higher because when you have people doing 70-80mph on the highway and there's an old lady doing 45mph on the highway what is going to happen, someone is not going to pay attention and swerve out of the way into the divider or into someone else killing people possibly or even a pile up all because an old lady can't drive fast......that is what makes me mad most of all.