I could really use some advice. On Saturday night, I was unfortunately hit by a deer while driving my 2013 Hyundai Genesis, which has around 153,000 miles on it. The damage seems pretty extensive, and I’m trying to figure out whether my car might be totaled or if it can be repaired.
The impact affected the front end of the vehicle, and there’s significant damage to the bumper, grille, and possibly the radiator. I haven’t had a chance to get a detailed estimate from a repair shop yet.
Has anyone experienced something similar or have insights on how to determine if a car is considered totaled? I’d appreciate any advice on what steps to take next or how to assess if it’s worth repairing.
Deer collisions can cause significant damage. Determining if your 2013 Hyundai Genesis is totaled depends on several factors including the cost of repairs compared to the vehicle’s value. While waiting for the repair estimate, check with your insurance provider to understand their total loss threshold. Take photos of the damage from different angles for documentation. If the repair costs exceed the vehicle’s value by a certain percentage, your insurance might declare it a total loss. Consider factors like the car’s overall condition, sentimental value, and available repair options before making a decision.
Determining whether your Genesis is totaled can be tricky. Insurance companies use a specific formula based on the car’s value and repair costs. If the repair estimate is close to or exceeds the car’s value, it’s likely to be totaled.
Here’s what you should do:
Document everything: Take pictures of the damage from all angles.
Get multiple estimates: Get repair estimates from different shops to compare prices.
Involve your insurance: Contact your insurance company promptly and let them handle the claim process.
Consider the car’s overall condition: Factor in the car’s age, mileage, and other potential issues when deciding whether to repair or replace.
Insurance companies often offer rental cars while they assess the damage. Stay calm, gather information, and let your insurance guide you through the process.
I would want to add that airbags and frame damage do not immediately render a car completely unusable. It’s an odd rumour that continues getting spread. It all comes down to the cost of repairs, what your insurance will pay, and what is permitted in your community.Rails are labor intensive, but can certainly be replaced. Airbags are easy, but the bags themselves aren’t cheap.
Unfortunately, collisions with deer can cause significant damage. Determining whether your 2013 Hyundai Genesis is totaled will depend on several factors:
Factors Affecting Total Loss:
Repair Costs: If the estimated repair costs exceed the vehicle’s actual cash value (ACV), it’s likely to be totaled.
Insurance Coverage: Your comprehensive insurance coverage will typically cover the repairs or replacement of your vehicle.
Salvage Value: The potential value of the damaged vehicle for salvage or parts can influence the insurance company’s decision.
Next Steps:
Contact Your Insurance Provider: Report the accident to your insurance company as soon as possible. They will guide you through the claims process.
Obtain Repair Estimates: Get estimates from multiple repair shops to compare costs.
Understand Your Insurance Policy: Review your policy to understand your coverage limits, deductibles, and rental car reimbursement options.
Additional Tips:
Document the Damage: Take photos of the damage from different angles for your insurance claim.
Keep Receipts: Maintain records of any expenses related to the accident, such as towing, rental car, or storage costs.
Consider Rental Car Coverage: If your insurance policy includes rental car reimbursement, take advantage of it.
Remember: Insurance adjusters are experienced in determining total loss, but it’s essential to advocate for your interests and provide as much information as possible.