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Old 10-13-2013, 03:12 PM   #1
bbgun
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Member#: 227928
Join Date: Oct 2009
Chapter/Region: VIC
Location: Vancouver BC
Vehicle:
2009 2.5i Sedan
DGM

Default ICBC total loss dispute

Was in an accident last week, kind of head on but both parties slammed on brakes. I was going straight, oncoming turning left.

I drive an 09 Impreza 2.5i with less than 40k mileage.

My front left corner was hit, lights were completely gone, hood bent a little bit, saw the top of radiator bent slightly in. Other than that, I haven't seen the damages close up. ICBC is called this morning saying it was a write off, saying damages are around 10k, plus maybe 30% internal so 10k was for exterior. To me, the damages are no where near 10k for exterior so at the end of the brief convo with the estimator, he mentioned the 10k was assuming new parts being used for the repairs. I said I would get a shop to estimate it as well and the estimator mentioned(ever so quietly throughout the call) the shop could use used parts and would effectively bring down the repair cost.

I'm waiting for the write-off value, but I really don't want to resort to writing it off as damages looked minimal(for a head-on). Any advice or shops you guys think would do an estimate for me? I had Fast Track down for the repairs so I will call them for advice as well.

Thank you in advance fellow subies!

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Old 10-13-2013, 04:40 PM   #2
brute_4s
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Location: Surrey, BC, Canada
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2002 WRX
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i would just go with the decision of it being a write off. if your hood was bent and your rad was bent there could very well be frame damage underneath. assuming your airbags went off too that would cost a pretty penny to replace all of the internal safety systems in the car. you have to understand that it is a newer car and even if you were to use used parts they would probably be pretty hard to find. also if the frame is bent i wouldnt want to have it bent back.

at this point i would just try to get as much for the car as possible and not hold back until you get the number that seems fair for you. judging from the pic and what you said the person turning left did not clear the intersection and should be considered 100% at fault. are you feeling any pain at all (it was head on after all). i would go to the doctor and have yourself checked out and tell icbc if you are feeling any pain.
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Old 10-13-2013, 04:58 PM   #3
Drakar
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Join Date: Aug 2004
Chapter/Region: VIC
Location: Coquitlam, BC, Canada
Vehicle:
2009 Forester XT
Camellia Red Pearl

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Just remember your car with 10k damage if its repaired will take a major hit in resale value. Most people will look at 10k and assume the worst as most have 0 knowledge in the rebuild process. So factor that loss as well if its not written off.
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Old 10-13-2013, 05:08 PM   #4
Dragon_Ski
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blue

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Quote:
Originally Posted by Drakar View Post
Just remember your car with 10k damage if its repaired will take a major hit in resale value. Most people will look at 10k and assume the worst as most have 0 knowledge in the rebuild process. So factor that loss as well if its not written off.
If you can get the alignment checked you will know if there is any frame damage. If there is none then your right. It's not an expensive fix
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Old 10-13-2013, 05:15 PM   #5
Ricewagon
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2003 GGA
wrb

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Just have a word with a reliable bodyshop and they can advise you what route you can take to best resolve this issue.
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Old 10-13-2013, 06:00 PM   #6
bbgun
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Join Date: Oct 2009
Chapter/Region: VIC
Location: Vancouver BC
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2009 2.5i Sedan
DGM

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Thanks for the tips guys!

Air bags didn't go off and I'm waiting on the adjuster's decision. I'm heading to the CEF to take some pics and videos on the damage, and talk with the estimator as well and find out how he estimated the 10k on exterior alone. I'm not familiar with the whole process, but is it possible to appeal the value and damage estimate? If I disagree and a shop says they could do it for less, could I get an amount from ICBC and have it fixed myself?

Any good shops you all recommend? Any shop you guys think would head to the CEF and do another estimate?

Thank you all
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Old 10-13-2013, 06:14 PM   #7
Drakar
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2009 Forester XT
Camellia Red Pearl

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More than likely a good bodyshop will find more damage not less. Oushing it closer to write off.

Painting the whole car or close to it because itll be blended by a good shop is 2.5 to 3k than new parts plus shop time is average 100 an hour. It may not look kike much but unless it was your fault or your dream car (uber rare) it may not be worth your while to fix it yourself. Even if you could do it for less.
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Old 10-14-2013, 03:51 AM   #8
cruz-in
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2007 STI
WRB

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damn tough call. like you said, if you said you were going straight and there was an oncoming left. black and white he's at fault, but if you ran a red, or he went early.... etc. there are so many factors around something like this and the only way of have something clear cut would be to have a dash cam.

sad to say its their word against yours.


personally, i would rather have it written off, trying to sell or trade with something more then 5-6 k worth of damages is tough.

good luck though.
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Old 10-14-2013, 01:46 PM   #9
lymphomaniac
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Chapter/Region: VIC
Location: YVR
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2013 Impreza2.0i CVT
DGM (sedan)

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Quote:
Originally Posted by bbgun View Post
Thanks for the tips guys!

Air bags didn't go off and I'm waiting on the adjuster's decision. I'm heading to the CEF to take some pics and videos on the damage, and talk with the estimator as well and find out how he estimated the 10k on exterior alone. I'm not familiar with the whole process, but is it possible to appeal the value and damage estimate? If I disagree and a shop says they could do it for less, could I get an amount from ICBC and have it fixed myself?

Any good shops you all recommend? Any shop you guys think would head to the CEF and do another estimate?

Thank you all
re: the bolded part, yes it is possible to dispute the value and damage, but it would appear to me that without taking apart the vehicle, it'd be hard to determine what sort of hidden frame and / or suspension damage there might be. Safety should always come first.

With ICBC, most parameters should be negotiable, particularly if you can back it up with third-party figures (esp. in terms of value and costs).

Hope you weren't injured. Based on the picture, it didn't look like it was a high-speed impact, but if you're feeling sore, I'd strongly suggest consulting a lawyer to protect your interests.

Good luck, and hope it all works out for you.

EDIT: hope you also took down the name and contact particulars of witnesses at the scene. That'll help establish fault assessment for this accident.
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Old 10-14-2013, 01:54 PM   #10
zephyrantes
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Join Date: Nov 2011
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Bbgun,

After removing a front bumper, you are already looking at around 800 bux (todays rates).. back about 10 years ago, anything past the rad and up to just about the engine was around 5k in costs... and thats for like a mid 90s era vehicle with jobber parts.

I used to be a parts manager for a bodyshop. I have painted cars and I have polished for one of the best bodyshops (in my opinion) around town.

In regards to your icbc case. Obviously I cannot predict fault. But I remember a cop telling me that someone turning left MUST clear the intersection when his light turns red. So take that for what you may, but I had a friend who was 100% at fault when he was going straight and was hit by an oncoming left turning car. Guess witnesses had my friend running a red light. NOT TRYING TO SAY whose fault is whose in your case.
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Old 10-15-2013, 12:44 PM   #11
Kristo604
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Member#: 301858
Join Date: Nov 2011
Chapter/Region: VIC
Location: North Van, bc
Vehicle:
2011 2.5i

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arm yourself with 'for sale' ads for same model year, and similar mileage gives you a little leverage over adjusters final say. also if you've done any 'extensive' work. case of my jeep JUST put 2k into tires, and 3k into a engine rebuild - faxed in a boat load of receipts to my adjuster after his first 'quote' of my write off, he called me back shortly after i faxed some 50 receipts and ads I found to him and the quote went up significantly to where I was satisfied without any fight.

I would go for a write off in your situation as well, it'll never be the same as it was, and you'll always find something that isn't like or feels like it was and your resale will be tough when someone does a carfax or whatever on it and see's rebuild/pricey accident on it.
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Old 10-15-2013, 04:07 PM   #12
tora
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+ NA Miata

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If I get in an accident I either want it to be under $2k or a write off.
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Old 10-16-2013, 03:05 AM   #13
StefanQ
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Location: victoria
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2006 WRX
wrb

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Definitely write it off!! The re sale later will go down the drain..
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Old 10-16-2013, 10:29 PM   #14
bbgun
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Member#: 227928
Join Date: Oct 2009
Chapter/Region: VIC
Location: Vancouver BC
Vehicle:
2009 2.5i Sedan
DGM

Default

Quote:
Originally Posted by Kristo604 View Post
arm yourself with 'for sale' ads for same model year, and similar mileage gives you a little leverage over adjusters final say. also if you've done any 'extensive' work. case of my jeep JUST put 2k into tires, and 3k into a engine rebuild - faxed in a boat load of receipts to my adjuster after his first 'quote' of my write off, he called me back shortly after i faxed some 50 receipts and ads I found to him and the quote went up significantly to where I was satisfied without any fight.

I would go for a write off in your situation as well, it'll never be the same as it was, and you'll always find something that isn't like or feels like it was and your resale will be tough when someone does a carfax or whatever on it and see's rebuild/pricey accident on it.
Thank you all for the advice! Still haven't gotten a quote from the estimator but I shall now Google myself some for sale ads.
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