UPDATE: 2016 2SS: Totaled Or Not?

harrist5683 · 02-15-2018, 10:01 AM

So last week I got into an accident in my 2016 2SS (20,000 miles). I was driving on the interstate during a particularly bad rainstorm, hydroplaned, and hit a steel road barrier. Luckily I wasn't hurt and was the only one involved in the accident.

Fast-forward to today: I'm getting the runaround from my insurance adjuster about whether the car is totaled or not. During his initial field inspection, he wrote the damages totaled up to $13,500. The damages have to reach a 70% value threshold to be totaled, and he's saying the car is worth around $30,000 (I disagree) currently making the repairs reach a 45% threshold.

Right now the car is sitting at a well respected collision shop awaiting tear down. Additional damages will be determined at this time, but the 'tear down guy' is out sick. I'm getting mixed opinions from shop employees and my insurance adjuster on what the end result will be (totaled or not).

What do you guys think? Does it look totaled, and if so, am I looking at possibly hiring a lawyer to push this thing over the 70% threshold?

I`m Batman · 02-15-2018, 10:27 AM

I'm not an expert but this looks like a lot more than 13K to me.

shaffe · 02-15-2018, 10:33 AM

That looks like a hell of a lot more damage than 13.5 to me. Hell when my wife's explorer got into a very minor fender bender inside a car wash the damage was over 1,100.

mcintyre1969 · 02-15-2018, 10:40 AM

I agree with Batman

MiamiBlueCamaro · 02-15-2018, 10:42 AM

Quote:

Originally Posted by I`m Batman

I'm not an expert but this looks like a lot more than 13K to me.

Quote:

Originally Posted by shaffe

That looks like a hell of a lot more damage than 13.5 to me. Hell when my wife's explorer got into a very minor fender bender inside a car wash the damage was over 1,100.

Quote:

Originally Posted by mcintyre1969

I agree with Batman

Looks like 17.5k but again i am not an expert.....

jaysonstuart · 02-15-2018, 10:43 AM

I'd expect to see this car at Copart one day!

Glad you're OK too!

crosive · 02-15-2018, 10:49 AM

I recently had my 17 ss repaired from where a guy backed into the front fender/bumper.

only replacing the fender, fender liner, bumper, various bolts/screws and painting was right at 2k. yours looks like much, much more than that.

harrist5683 · 02-15-2018, 10:54 AM

Thanks for all of the replies. I'm hoping that when the collision shop pulls the front bumper off, they find more issues. It's been pouring rain 7 days straight down here in Tennessee, so the condition is not getting any better. They can barely even open the driver's door (it bends the metal around the front quarter panel and you have to force it open). I'm thinking 13,500 is an extremely low-ball estimate.

The 'tear down guy' said there's a 90% chance that the vehicle is a total and another employee is talking about how my car is worth 45k and there's no way it's a total (lol). I have no idea what to expect.

It's unfortunate because I was in the middle of shopping around for a '18 ZL1, with this as my trade-in. Either way I'm not keeping the car, but a total write off makes the financials a lot easier.

TrickracenLS3 · 02-15-2018, 11:13 AM

The $30k value sounds spot on, but damage definitely looks like its more then $13.5k, I assume there will be a lot of hidden damage and they cant quote it until its torn apart. So 70%, you need it to get to $21k, have another independent bodyshop do an estimate on it.

Godfatha · 02-15-2018, 11:18 AM

Looks like a total to me. There will be more damage than just the physical damage that you see in those pictures. Frame damage. Who knows what's been damaged under the hood. I'm going to guess at least $20k if not more. There's no way in hell it's just $13k.

PS - I'm in Knoxville, about tired of the damn rain.

solarstingray · 02-15-2018, 11:22 AM

make sure you get diminished value also, , even if they fix it its on the car fax forever, resale value would be low.

harrist5683 · 02-15-2018, 11:30 AM

Quote:

Originally Posted by solarstingray

make sure you get diminished value also, , even if they fix it its on the car fax forever, resale value would be low.

I will have to verify, but from what I've heard, I can't claim diminished value since I'm technically 'at fault' for the accident. I've already brought it up to my insurance agency.

My insurance guy is saying that my value after repair will go from 30k to 25k, but I'm not sure how accurate that is. Especially if I'm trading into a dealership.

Lugnutty · 02-15-2018, 11:31 AM

Yes, I reckon this is over 20k worth of damage. Is this a 1LE? All of the radiators add up. The hood, fenders, support beams, headlights, bumper cover, grilles, that's all 18k or so worth of parts. Add in suspension damage, doors, rear quarters... Yeah, it's done. :(*Glad you're all right.

01pewterz28 · 02-15-2018, 11:32 AM

I am thinking you are in over 20k no telling if you have frame damage, did the engine shift, ect...

02-15-2018, 10:01 AM	#1
harrist5683 Drives: 2018 Black ZL1 A10 Join Date: Jul 2016 Location: Tri-Cities Tennessee Posts: 91	UPDATE: 2016 2SS: Totaled Or Not? So last week I got into an accident in my 2016 2SS (20,000 miles). I was driving on the interstate during a particularly bad rainstorm, hydroplaned, and hit a steel road barrier. Luckily I wasn't hurt and was the only one involved in the accident. Fast-forward to today: I'm getting the runaround from my insurance adjuster about whether the car is totaled or not. During his initial field inspection, he wrote the damages totaled up to $13,500. The damages have to reach a 70% value threshold to be totaled, and he's saying the car is worth around $30,000 (I disagree) currently making the repairs reach a 45% threshold. Right now the car is sitting at a well respected collision shop awaiting tear down. Additional damages will be determined at this time, but the 'tear down guy' is out sick. I'm getting mixed opinions from shop employees and my insurance adjuster on what the end result will be (totaled or not). What do you guys think? Does it look totaled, and if so, am I looking at possibly hiring a lawyer to push this thing over the 70% threshold? Attached Images Last edited by harrist5683; 03-01-2018 at 07:27 AM. Reason: Updated Title of Post

02-15-2018, 10:40 AM	#4
mcintyre1969 Drives: 1968 SS/RS, 2006 H2 2016 2SS White Join Date: Sep 2015 Location: Texas ( Southern Moron) Posts: 770	I agree with Batman __________________ 2016 2SS White fully loaded

02-15-2018, 10:43 AM	#6
jaysonstuart Drives: 2016 Camaro 2SS Join Date: Jun 2012 Location: Albany, OR Posts: 685 View My Garage	I'd expect to see this car at Copart one day! Glad you're OK too! Last edited by jaysonstuart; 02-15-2018 at 10:53 AM.

02-15-2018, 11:13 AM	#9
TrickracenLS3 Drives: 2016 Camaro 2SS Red Hot Join Date: Dec 2014 Location: San Fernando Valley, CA Posts: 476	The $30k value sounds spot on, but damage definitely looks like its more then $13.5k, I assume there will be a lot of hidden damage and they cant quote it until its torn apart. So 70%, you need it to get to $21k, have another independent bodyshop do an estimate on it. __________________ 1989 Iroc-Z Z28 1LE/HP (Sold) 2010 2SS Rally Yellow: Corsa/Vararam (Sold) Current: 2016 Camaro 2SS Red Hot Current: 2016 Tahoe LT Current: 2018 Mini Countryman S

02-15-2018, 11:32 AM	#14
01pewterz28 #TeamBeckyD Drives: 2017 HBM 2SS Convertible A8 Join Date: Aug 2008 Location: Apopka, FL Posts: 10,496 View My Garage	I am thinking you are in over 20k no telling if you have frame damage, did the engine shift, ect... __________________ #TeamBeckyD FIFTY HBM 2SS VERT

02-15-2018, 10:27 AM	#2
I`m Batman Drives: 2016 Camaro SS M6 Join Date: Oct 2016 Location: Colorado Posts: 393	I'm not an expert but this looks like a lot more than 13K to me.

02-15-2018, 10:49 AM	#7
crosive Drives: 18 zl1 Join Date: Aug 2017 Location: central alabama Posts: 935	I recently had my 17 ss repaired from where a guy backed into the front fender/bumper. only replacing the fender, fender liner, bumper, various bolts/screws and painting was right at 2k. yours looks like much, much more than that.

02-15-2018, 10:54 AM	#8
harrist5683 Drives: 2018 Black ZL1 A10 Join Date: Jul 2016 Location: Tri-Cities Tennessee Posts: 91	Thanks for all of the replies. I'm hoping that when the collision shop pulls the front bumper off, they find more issues. It's been pouring rain 7 days straight down here in Tennessee, so the condition is not getting any better. They can barely even open the driver's door (it bends the metal around the front quarter panel and you have to force it open). I'm thinking 13,500 is an extremely low-ball estimate. The 'tear down guy' said there's a 90% chance that the vehicle is a total and another employee is talking about how my car is worth 45k and there's no way it's a total (lol). I have no idea what to expect. It's unfortunate because I was in the middle of shopping around for a '18 ZL1, with this as my trade-in. Either way I'm not keeping the car, but a total write off makes the financials a lot easier.

02-15-2018, 11:18 AM	#10
Godfatha Drives: 2016 2SS Mosaic Black Convertible Join Date: Apr 2017 Location: Knoxville, TN Posts: 116	Looks like a total to me. There will be more damage than just the physical damage that you see in those pictures. Frame damage. Who knows what's been damaged under the hood. I'm going to guess at least $20k if not more. There's no way in hell it's just $13k. PS - I'm in Knoxville, about tired of the damn rain.

02-15-2018, 11:22 AM	#11
solarstingray Drives: 2014 c7 corvette and 2017 camaro ss Join Date: Jun 2017 Location: orlando Posts: 224	make sure you get diminished value also, , even if they fix it its on the car fax forever, resale value would be low.

02-15-2018, 11:31 AM	#13
Lugnutty Drives: 2022 2SS Join Date: Aug 2017 Location: Buffalo Grove, IL Posts: 79	Yes, I reckon this is over 20k worth of damage. Is this a 1LE? All of the radiators add up. The hood, fenders, support beams, headlights, bumper cover, grilles, that's all 18k or so worth of parts. Add in suspension damage, doors, rear quarters... Yeah, it's done. :(*Glad you're all right.

User Name		Remember Me?
Password