Prius C in accident

Id say it would be totaled. Typically when a newer car is totaled they'll pay the loan amount. Depending on their insurance company it'll vary but I imagine since the other guy hit you, you should be taken care of. Best of luck! Also, make sure the insurance company doesn't take the car before you receive the check.

 

All things are negotiable with insurance companies. They will try lowballing you. Also, your company should be fighting to fully restore you to the condition you were in before the accident. His insurance company should pay you all expenses. Go buy another one with their money!


iPhone ?

 

First of all...sorry, that's a sad situation with a nearly new vehicle. But it sounds like everyone is healthy?

Now for my opinion?
You say T-Boned...so I'm going to assume the damage is pretty severe. Not just cosmetic.

If it's at all severe, I'd almost be hoping the Insurance company DOES total it.
As magical as a good body shop can be....there is a point in my opinion where the trauma inflicted makes the future of the vehicle become questionable. You "had" a brand new from the factory vehicle....if it's not totaled you will now ONLY have at best a diminished value, it has been in a severe wreck vehicle. It will appear in the records or on a Carfax, and the vehicle will never be worth as much as it potentially would of been before being involved in this accident.

I'd rather start over. Even if it cost me a percentage out of pocket. You then don't have to fight for diminished value, and you don't have to worry about the impact....of the impact...accident..for the rest of the vehicles life.

Since this wasn't your fault. Yes, you need to fight to get as close to full replacement, or restoration as possible, including if they don't total it, diminished value for the vehicle you have.

Good Luck.

I personally hope you are soon shopping for a new vehicle, at the nearly the complete majority expense of the offenders insurance company.

 

coffeecat, start shopping for your car as you will want to determine what sellers are asking for cars like yours. You should also start shopping for a replacement.

Check out the shop that has custody of your car. Also check out the Toyota dealers' Collision Shops. This may be the more convenient way to go as if you have a problem later it will be between the dealer and Toyota to fix it.

I agree with the police. I've seen vehicles that look like they should be totaled get rebuilt. As long as the estimated cost of the repairs is $1 less than the insurance company's threshold for declaring a total loss the vehicle will be repaired.

Since you don't have a clean title on the car the lender will have to sign off on the settlement.

 

Not sure what MD law requires, but do you have GAP coverage?

 

If you are ok with a Prius C one, you might consider Hertz. That is where I bought mine in November. Very happy with the car.
My wife is also going to get a Prius C from them once they get one in white in the Warminster, PA location.

 

It's probably for the best that it was totaled, typically after that kind of damage cars just are just not the same. Best of luck on your hunt!!, the deals are great right now.

 

The reason I ask about gap/loss coverage is, even though I was not at fault, I ended up also *paying* for my total loss of Skylis 1 in 2013 (and I lost my trade-in). With gap coverage I would not have to pay the difference between current value and amount on the loan.

 

congrats! same color and package?

 

How did you pull that off? I lost Skylis 1 in 2013 when it was 7 months old... but the value was $7000 *less* than what I owed on the loan.

 

It depends on how much is put down on the car.