T-Boned! Is it totaled? Too soon to tell... :(

[Compta38]

Did you get out and beat the ever living shit out of that person?

judging by the pic it looks like the Bronco did.

Sponsored

 

[zombie]

Hope you’re okay. Makes me wonder what the result would have been if those side steps were legit rock sliders.

I imagine they're meant to not deflect upwards, and not so much designed to act as secondary side-impact beams.

 

[MayhemMike]

You are in luck. The doors and the panels come off. Made this way for the inevitable trail destruction. Since the Bronco is built on a true frame chassis, I doubt it even noticed the hit. No air bag deployment? Then you are good to go. Two new doors ( you will be able to pop those off someone else’s Bronco lol) , and a front fender.Some AMB paint, with a new step board…back in business. The other driver has deployed air bags….that will be totaled simply because of that. They will have a day of reckoning when it comes time to replace their car.

 

[FJ 432]

I was an auto adjuster many years ago. Did the side air bags go off?

IMHO not a total. Needs both door shells, fender, rocker and accessories like your step, etc.

 

[tobands]

Even though AMB paint is discontinued from the factory , shops can make the paint and/or is available for repaints. https://everestautomotivemarket.com/custom-mixed-paint/ford/ford-antimatter-blue-hx/

 

[DEC]

You are lucky, that's like a death hit right there. The fire department didnt have to go far either.
Glad you are ok.

 

[Bronco1971]

Dang, sorry.

It looks like the rocker took some damage, that may complicate the repair.

 

[Mattwings]

I would make sure you assert a claim for diminution of value. As a third party, you should be compensated for the reduced value post repair (this is not typically true of first party claims against your own insurance, depending on state and policy language). If it is a total, you should have an option of retaining the salvage and repairing it yourself as well. Bids will be very high and it might not make sense, but it’s likely worth evaluating. Jeeps are really good salvage vehicles to buy because they are relatively simple and inexpensive to repair (as the Bronco should be once parts and suppliers are out of this pandemic alternate universe).

 

[FJ 432]

A real question that needs to be asked is whether the state of California recognizes diminished value claims.

Edit: Matthew, you beat me to it.

 

[BroncocnorB]

Thanks for the additional photos. Most of that damage wasn’t very visible in the initial photo. I’d say it held up pretty well, considering. I’m pretty sure those rocker panels are made from a very high-strength alloy steel, so I’ve never personally been worried about having the rock rails attached to the body instead of the frame, and these photos only reinforce that opinion.

I still bet the insurance company totals it once they start checking out replacement parts availability and pricing. It will be interesting to learn their final decision.

What is the typical loss threshold as a percentage of actual cash value before an insurance company totals a vehicle? Maybe some insurance guys/gals will chime in?

Can depend on the state, but most insurance companies will get a bid based on damages from a salvor (like Copart). The math is basically if gross salvage value + known value of damages equals or exceeds ACV, it can be totaled. Some other variables (rental, storage costs for example), but that’s how it generally works for a “constructive” total loss.

 

[flip]

I was going to guess $20K after supplements and rental.

 

[The_Viking]

 

[67BroncoG1]

That won't be totaled unless the frame is badly bent and even still it isn't that expensive to straighten a traditional frame. If they need to do any frame repair make sure the shop uses a Celette jig for aligning the frame.

 

[Kuze]

Got my new OBX in early November and got t-boned last Thursday by a driver who ran a red light. It's up on the rack at the repair shop now to determine how bad it is. Not sure if I want it totaled or not! Stay safe out there...

Andy - I am so sorry man! I live in Marin myself and that intersection is horrible. At least the fire dept. was right there. I am glad you're safe and well.
Keep me posted. I'd love to meet up once I get mine. It should be built on 1/3 and hopefully have it by February. Best of luck man and hope you get your rig back soon!

 

[BUCKNUT1]

I feel so bad for you. Any new car this is horrible, but on a new Bronco? Even worse.

Sponsored