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CSpec

Saab 9-5 Rear Ended

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I was sitting a red light today when a car slammed into me, pushing me into a van in front. I didn't hear any kind of skidding, and the woman that hit me didn't even look flustered or sorry. Here are some pictures of her handiwork; the insurance adjuster on the phone said it sounded borderline total loss. It's hard to see in the pics, but the actual metal bumper is pushed in pretty far. The back is awful, and the front also has some minor damage.

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So what do you think? Is this car repairable in any reasonable budget?

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I am so sorry C Spec. I know how you feel. I have been there more than once. They might total it because of front and rear damage. It depends on the repair estimate.

Are you okay? That is important.

Edited by NINETY EIGHT REGENCY
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I wonder what is hurt from the underside? That bumper is almost into the trunk. I am sorry to hear that it happened to you. Some people need to start paying attention to their driving so we don't get rear ended.

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That sucks man. They may total it, but you may be able to get it fixed anyway.

They totaled the Prizm because the damage came to like $3,000 by their estimates IIRC.

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Got it fixed for $600 or so.

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If the damage hasn't effected driveablity, than that might me it's mostly "cosmetic" as the shop that did the Prizm put it. It would mean just a matter of pulling out the panels and getting replacement parts.

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Sorry to see this, C-spec.

Total or not is just a function of cost vs. value.

That said, this will be an expensive repair.

What's the current book on your car?

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Wow Dodgefan, if they quoted you $3k for that my car is probably at least twice as high. The car is indeed drivable as I drove it home, but there sure is a hell of a lot of cosmetic damage. I'm thinking I might have to start looking for a new car. :(

Thanks for the well wishes guys. I'm OK, just a slightly sore shoulder. Just sad to think about leaving my car in a junkyard.

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Sorry to see this, C-spec.

Total or not is just a function of cost vs. value.

That said, this will be an expensive repair.

What's the current book on your car?

The trade in book is $4,600 or so. Is that what they go by? If so I think the repair will go well beyond that.

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They should go by retail value.

I'd call it close.

My guess: 4-5k in repairs

Ocn will have a better guess.

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If they go by retail, my repair ceiling goes to ~$7,500. That seems like a better shot to get to keep it.

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If the car drives straight than that would mean the frame didn't take too bad of a hit, they would need to check to be sure it was ok (putting it on a frame machine). Then they would pull it out. Worst case would be if they couldn't pull out the panels. This was a concern or the Prizm, that they might need to get a donor quarter panel, which would have been expensive to weld on. This was because it had folded in on itself. However, they were able to pull it out. On the bright side your panels don't look like the folded in on themselves.

One of the ways I kept the price down was by going out and getting the parts needed from a yard. I was lucky and found one of the same color, so even though I didn't have the car repainted, the unpainted spot isn't too noticeable.

There's another factor. If you're strapped for cash you could do the repairs ins stages. get the panels so they line up again and paint them later. That was and still is my plan.

Ocn will know better than me, I'm just going by experience.

I know how you fell...I didn't want our car to end up in the yard, especially since its till drove perfectly fine. So I fixed it. It's been worth the effort, as the car has been good to us since.

Good luck with it, lad you're ok.

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As long as the idoit that hit you is covered, a full, and correct repair should happen at her insurance company's expense.

With over $7k as a retail value, it should not be a total.

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Thanks for the tips guys. The woman was indeed covered, and her insurance company is sending an adjuster to my house on Friday. They didn't dispute at all that the accident was clearly her fault, and as soon as they speak with her and confirm my story, I should be able to get a rental car while my car is being fixed. A friend of mine is taking me to the police department tomorrow to file an accident report. So financing the repair shouldn't be an issue, as long as it's not obscenely damaged. BTW if anyone knows the Boston area, this happened on Centre St in Newton. The cop was nice and helpful, so hopefully his friends at the station are the same. I'll be sure to keep you guys updated on my progress!

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What's up with all of the car accidents lately? First my Firebird, then redtruck's Silverado, now CSpec's Saab. Is The Curse back again?

My gut tells me the insurance company might go with "totaled." Insurance companies always go with the cheapest option, just keep that in mind.

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That's why you fight them. I fought with Liberty Mutual for 2 months, while t hey paid for my Cobalt rental. I got the last laugh. :smilewide:

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Damn, that looks brutal, glad you are ok!

If the car is worth $7.5k, surely it is not totaled. The front end is barely damaged. You can get junkyard parts in like new condition for pretty cheap, so unless labor is very expensive, I don't see why it should cost all that much (unless your frame is bent/damaged).

Used, each of the bumpers shouldn't cost more than $400 a piece, so you're talking about $800 or less for the bumpers. I would think labor wouldn't be too expensive considering it seems like if you replace just the bumpers and trunk you should be mostly fixed.

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SAABs are hard to find used parts for, and they don't have very good resale value. Your car looks like a total loss to me, CSpec, I'm sorry to say. With the rear quarters pushed that far ahead, I'm sure the trunk floor and frame rails are in bad shape. Your car is a unibody. It probably needs rails and maybe a floor in the back. And the front bumper is plastic, it can bounce back into shape and hide a lot of structural damage. With the headlight broken and the grille pushed in I wouldn't be surprised to see a bit of structural damage at the front, as well, at the rails and radiator support frame. It certainly is not safely drivable. Let them put you in a rental car so they can tear yours down to get a good look at the damage.

I would be preparing for a total loss, though, if I were you.:(

Edited by ocnblu
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What's up with all of the car accidents lately? First my Firebird, then redtruck's Silverado, now CSpec's Saab. Is The Curse back again?

My gut tells me the insurance company might go with "totaled." Insurance companies always go with the cheapest option, just keep that in mind.

I hope that curse is not coming back. I was a victim of it. That is how I lost the first Oldsmobile Ninety Eight I owned.

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Well an adjuster is coming to my house tomorrow. I filed the police report today, and hopefully this lady's insurance company sets me up with a rental car pretty soon. I'm gonna call them today and see what's going on.

ocn, thanks for the diagnosis. I'm already looking into a replacement car as I know the damage is pretty bad.

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You live around there and we haven't met?

I said Boston area, not Boston metro. :P

But seriously I'm moving to DC in a couple of weeks so it's now or never. Maybe you can show me how to use my camera (Rebel XS) properly.

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Well I'm free until the 3rd when my job starts up, and then weekends most likely after that. So if any of that works for you let me know.

Good luck with he car.

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