47Minutes Posted July 10, 2014 at 05:14 PM Report Share Posted July 10, 2014 at 05:14 PM So this happened on my way home last night. Elderly driver turned in front of me. Thankfully my wife and daughter were not with me and I have only some scrapes and bruising on my left arm from the airbag. I am very pleased with the car's crash performance. In particular the 911 Assist function. While I was dazed wondering where my sunglasses went after leaving my face the car called 911, reported a crash and gave the coordinates. As soon as it disconnected that call, the 911 operator called me back and took details of what happened. I was also surprised and pleased that the rear seat side airbag deployed. I would not have expected it to given the front/left nature of impact. But had my daughter been with me, that is where she sits so I am pleased. After opening my claim I am all but convinced it will be declared a total loss. While that is hard to take because I may not be able to replace her with another one, I know she would never be the same if she were repaired. The hardest part of this all is potentially saying goodbye to my 47 Minutes. I can't even hope that I would ever win another car in my lifetime and certainly not one that I've enjoyed and loved as much as this one. I will at least get my license plates back as a souvenir. bwehry 1 Quote Link to comment Share on other sites More sharing options...
Russael Posted July 10, 2014 at 05:31 PM Report Share Posted July 10, 2014 at 05:31 PM Awesome at the crash performance. Disappointing that you wound up putting them to the test. How fast was the collision? It's likely that your car is fixable, given the MSRP of the thing. If the radiator isn't punctured, it's probable that they'll fix it. Quote Link to comment Share on other sites More sharing options...
47Minutes Posted July 10, 2014 at 05:35 PM Author Report Share Posted July 10, 2014 at 05:35 PM 35-40 mph was my speed. She was just starting the left turn in front of me so I'd say she was going maybe 5mph at an angle across my path. I'm almost hoping they declare it a total loss. It would never be the same after that much repair. I really did get the impression from insurance that they'll total it. I should know Monday for sure. Quote Link to comment Share on other sites More sharing options...
jeff_h Posted July 10, 2014 at 06:31 PM Report Share Posted July 10, 2014 at 06:31 PM Yikes - glad everyone is OK. I agree with you, they can repair it 'almost' good as new, but will always be 'almost'... Quote Link to comment Share on other sites More sharing options...
Doug0716 Posted July 10, 2014 at 10:18 PM Report Share Posted July 10, 2014 at 10:18 PM Wow, glad you're ok, that's what really matters. Quote Link to comment Share on other sites More sharing options...
meyersnole Posted July 11, 2014 at 12:37 AM Report Share Posted July 11, 2014 at 12:37 AM Glad you made it out unhurt! Quote Link to comment Share on other sites More sharing options...
Eric4539 Posted July 11, 2014 at 02:03 AM Report Share Posted July 11, 2014 at 02:03 AM I just hate to hear stories like this. It shows what can happen in the blink if an eye. So glad to hear that you're Ok, 47Minutes! I hope this all works out for you. Quote Link to comment Share on other sites More sharing options...
Fat Fusion Posted July 11, 2014 at 02:28 AM Report Share Posted July 11, 2014 at 02:28 AM My guess is they'll fix it. Quote Link to comment Share on other sites More sharing options...
EnergiCCAATS Posted July 11, 2014 at 02:02 PM Report Share Posted July 11, 2014 at 02:02 PM (edited) So sorry to hear about this, but glad you are ok. So you don't think your insurance will replace the car at a total loss? Will they not buy you another Energi? Edited July 11, 2014 at 02:02 PM by EnergiCCAATS Quote Link to comment Share on other sites More sharing options...
47Minutes Posted July 11, 2014 at 02:14 PM Author Report Share Posted July 11, 2014 at 02:14 PM I've had only one experience with a vehicle totalled after an accident, my wife's 2004 Escape. We received a check for the fair market value of the car. Now that was an at fault incident so our insurance paid it out. In this case I expect it to be the other driver's insurance paying so I don't know if that makes a difference. Either way I'm not expecting MSRP if it's totalled. If I go by KBB I can expect around $30K. About $7K of that will pay off the lien leaving me $23K for a replacement car. Quote Link to comment Share on other sites More sharing options...
Rexracer Posted July 11, 2014 at 03:21 PM Report Share Posted July 11, 2014 at 03:21 PM Wow, glad you are alright. I will say the replacement/value thing is something I worried about as soon as I left the dealer, but my insurance adds some sort of new vehicle coverage for the first 2 years. If the car is totaled they pay out what it would cost to replace it, not what it is currently worth. Its good peace of mind, and was not expensive (20-30 per 6 months). Quote Link to comment Share on other sites More sharing options...
jeff_h Posted July 11, 2014 at 04:47 PM Report Share Posted July 11, 2014 at 04:47 PM About $7K of that will pay off the lien leaving me $23K for a replacement car. $7k lien - I thought you won the car? Quote Link to comment Share on other sites More sharing options...
47Minutes Posted July 11, 2014 at 04:53 PM Author Report Share Posted July 11, 2014 at 04:53 PM $7k lien - I thought you won the car? The contest prize was a value of $X applied to the purchase of the vehicle. If I got one below $X, no out of pocket cost. The value would not cover an Energi Ti so I financed the overage. jeff_h 1 Quote Link to comment Share on other sites More sharing options...
EnergiCCAATS Posted July 11, 2014 at 07:10 PM Report Share Posted July 11, 2014 at 07:10 PM (edited) I've had only one experience with a vehicle totalled after an accident, my wife's 2004 Escape. We received a check for the fair market value of the car. Now that was an at fault incident so our insurance paid it out. In this case I expect it to be the other driver's insurance paying so I don't know if that makes a difference. Either way I'm not expecting MSRP if it's totalled. If I go by KBB I can expect around $30K. About $7K of that will pay off the lien leaving me $23K for a replacement car. There are still some 2013s on lots that I bet you could get a deal close to $32K or so BEFORE the tax refund. Then after the $4007 and your $23K left over, you would only have to finance or come with about 4K more. Seems like you could replace it with money to spare, if you can find a 2013 FFET on a lot. The 2014 Ruby Red FFET we leased in May, had $35,500 on the sale price on the window, before the tax refund. Edited July 11, 2014 at 07:12 PM by EnergiCCAATS Quote Link to comment Share on other sites More sharing options...
shaggy314 Posted July 14, 2014 at 06:49 PM Report Share Posted July 14, 2014 at 06:49 PM (edited) Super glad neither side got hurt. Yeah, figure $1.5k per airbag deployed, that much damage, with the frame bent, engine damage, should be a write off. If they got to the A pillar or driver's door, that be all she wrote. Since you weren't at fault you could toss in pain/suffering extra to get you up to replacement value... grab your charger out before it's gone, likely they won't miss that. You should be able to replace it since you aren't at fault here. There isn't any reason you shouldn't be put back, except that insurance companies get laws like they don't have to make you whole. Edited July 14, 2014 at 07:01 PM by shaggy314 Quote Link to comment Share on other sites More sharing options...
seadiel Posted July 22, 2014 at 10:44 PM Report Share Posted July 22, 2014 at 10:44 PM What was the verdict on the insurance? Was it totaled or they going to fix it? If they are fixing it, make sure you get a diminished value claim. Quote Link to comment Share on other sites More sharing options...
47Minutes Posted July 25, 2014 at 03:26 AM Author Report Share Posted July 25, 2014 at 03:26 AM My insurance has closed my first party claim since the other company has assumed liability. So I'm starting over now with Allstate. Spoke to them earlier this week and they were to send someone out to look it over. Still waiting to hear back. They did offer me $400 for the airbag bruising. It's not much but I'd have to seriously exaggerate or falsify injury to warrant much more. I have been looking into the diminished value claim and will pursue that if they decide to repair it. Quote Link to comment Share on other sites More sharing options...
BadRock Posted July 28, 2014 at 07:54 PM Report Share Posted July 28, 2014 at 07:54 PM Sorry to hear of your loss, glad to see you made it out okay. Hopefully they do you right. Quote Link to comment Share on other sites More sharing options...
rtshinn Posted July 29, 2014 at 01:27 PM Report Share Posted July 29, 2014 at 01:27 PM Wow, sorry to hear it. Quote Link to comment Share on other sites More sharing options...
snedecr Posted July 30, 2014 at 12:08 PM Report Share Posted July 30, 2014 at 12:08 PM As a side note to this thread, just got my first full 6-month bill from Allstate for my Fusion Energi... UGH! Liability at state minimums, Collision, Comprehensive (both with $500 ded), Uninsured motorist (Needed here with all the illegals), towing, rental coverage, and it ONLY cost $700 for the 6-month period! That's double the cost of my (admittedly older) Camry Hybrid, and three times the cost of my Nissan Frontier. I paid the bill, cause I love the car, but UGH! Quote Link to comment Share on other sites More sharing options...
shaggy314 Posted July 31, 2014 at 07:00 PM Report Share Posted July 31, 2014 at 07:00 PM (edited) On the upside, for the rest of us in Zone 4, 47 Minutes will drop out of the rankings... :love_shower: Edited August 15, 2014 at 05:59 PM by shaggy314 47Minutes 1 Quote Link to comment Share on other sites More sharing options...
47Minutes Posted August 13, 2014 at 12:09 AM Author Report Share Posted August 13, 2014 at 12:09 AM It's official. Total loss. Body shop got repairs up to $22,618 before they'd even inspected the suspension. Now I get the fun of starting "fair market value" negotiations. On the upside, I've got my eye on a 2014 that will have rolling into Zone 4 again soon! ;) Quote Link to comment Share on other sites More sharing options...
Russael Posted August 13, 2014 at 01:22 AM Report Share Posted August 13, 2014 at 01:22 AM Seems like cars have become disposable nowadays. Years ago, about the only way a car would be thrown away was to basically delete (crunch, crumple, totally destroy) at least 1/3 of it. :) The damage to your car in all honesty doesn't look all that bad. How the heck did they get repairs up to 22k? That's the price of a base model Fusion for a 35MPH collision that only happened in the front! Eeesh! Someone will probably buy the car when the insurance company auctions it off and will rebuild it, and sell it as a rebuilt title. Quote Link to comment Share on other sites More sharing options...
shaggy314 Posted August 15, 2014 at 06:02 PM Report Share Posted August 15, 2014 at 06:02 PM Tell them the charger in the back is a 'personal item' and you'll get a spare. :-D I'd cry as I had tint, illuminate door sills, decals, and mud flaps added to mine. I bet your battery is worth a bunch either as used or recycled. I hope they don't know you got it on the cheap. Quote Link to comment Share on other sites More sharing options...
47Minutes Posted August 30, 2014 at 08:26 PM Author Report Share Posted August 30, 2014 at 08:26 PM I'll be back soon! I just made a deposit on an Energi in MD. I hope to have the paperwork done early this week. I have to arrange for shipping it to Dallas. So I'm hoping that maybe in 10-14 days I'll be back on the road gas free! Doug0716 and meyersnole 2 Quote Link to comment Share on other sites More sharing options...
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