nerys
Posts: 686
Joined: Tue Sep 09, 2014 10:11 pm
Delivery Date: 09 Sep 2014
Leaf Number: 020441

Insurance and accidents questions

Mon Sep 18, 2017 1:58 pm

2012 nissan leaf sv 65,000 miles battery down 2 bars about 60 miles max range.

Got rear ended this morning. Still runs and drives but the damage is pretty bad. Cargo carrier is hosed not sure if the hitch damahed the frame.

Hatch is crumpled a bit inside and outside hard to close

Frame around hatch is bent

Realistic value of the car $4k to $5 on a good day with so many miles.

What is the chance of them totalling it? Really hoping they do as i can then use the gap insirance and go get a 2015 leaf for less than i owe on this one.
2012 SV 4802miles. 1month 2400 miles. 9 weeks 5000 miles. 6 months 13,300 miles. 4/18 15,000 miles.

GerryAZ
Gold Member
Posts: 1479
Joined: Mon Nov 22, 2010 6:47 pm
Delivery Date: 12 Jun 2011
Location: Phoenix, AZ

Re: Insurance and accidents questions

Mon Sep 18, 2017 6:53 pm

If either rear door is hard to open/close, it is probably a total. If not, it may be feasible to repair. Since it is drivable, it is repairable but repairs are expensive so it might cost too much for the insurance company to authorize repair. If the hatch still opens/closes (even with difficulty), then your damage is much less than mine. My 2011 was deemed a total loss by the other driver's insurance company even though it was technically repairable because they thought they could save money by giving me low blue book (depressed values due to many cars coming off lease). After I fought with them for a more reasonable settlement, they did not save much. Post a photo and I can give you a more accurate guess.
Gerry
Silver LEAF 2011 SL rear ended (totaled) by in-attentive driver 1/4/2015 at 50,422 miles
Silver LEAF 2015 SL purchased 2/7/2015

nerys
Posts: 686
Joined: Tue Sep 09, 2014 10:11 pm
Delivery Date: 09 Sep 2014
Leaf Number: 020441

Re: Insurance and accidents questions

Mon Sep 18, 2017 6:57 pm

I really hope for a total (I know strange for a car I really do love so much) but it really will be worthless repaired with 65k on it more like 90k by the time I am done with it.

a total would mean gap insurance would mean I get to move into a 2015 leaf with 6.6kw charger! and better battery.

https://drive.google.com/open?id=0B-XVT ... 3gxcWJuVE0

hatch does not close properly but it does "stay put" but not fully engaged.

estimated real value about $4000-$4500 book value.

my big concern is also the hitch and carrier and the forces this places on the frame underneath.
2012 SV 4802miles. 1month 2400 miles. 9 weeks 5000 miles. 6 months 13,300 miles. 4/18 15,000 miles.

Graffi
Posts: 405
Joined: Wed Nov 27, 2013 12:01 pm
Delivery Date: 06 Sep 2013
Leaf Number: 414757
Location: San Diego, CA

Re: Insurance and accidents questions

Mon Sep 18, 2017 7:09 pm

It will be totaled for sure. However they will try to low-ball you so keep fighting.

Good luck on the new one.
2013 SL Metalic Slate - We LOVE our Leaf
MFG 08/13 Dlv 09/06/13 @ 10 mi
# 77 100 mile club
# 10 200 km club

2017 Tesla S 75D Pearl White
Delivered 5/16/17 @ 900 mi
Tesla Model 3 on order awaiting 200+ mile range Nissan Leaf

specialgreen
Posts: 39
Joined: Sun Mar 26, 2017 1:21 pm
Delivery Date: 26 Mar 2017
Location: Minnesota

Re: Insurance and accidents questions

Mon Sep 18, 2017 7:16 pm

I believe the OP reported having gap insurance, so if the payout is small, the gap policy would just have to pay more (?). If they're from the same insurer, then the insurer have no reason to low-ball the settlement. If the gap policy is from a separate insurer than the collision insurance (is that a thing?), then I suppose the two could "fight it out."

nerys
Posts: 686
Joined: Tue Sep 09, 2014 10:11 pm
Delivery Date: 09 Sep 2014
Leaf Number: 020441

Re: Insurance and accidents questions

Mon Sep 18, 2017 7:32 pm

I have no idea how that works am I supposed to inform the bank about this so they can have a say in the negotiation or something they didn't tell me I needed to contact them so I have no idea how that works

The definitely not the same I'm Finance for Trumark Financial my Local Credit Union I have State Farm for my car insurance and she has Hartford
2012 SV 4802miles. 1month 2400 miles. 9 weeks 5000 miles. 6 months 13,300 miles. 4/18 15,000 miles.

SageBrush
Posts: 1481
Joined: Sun Mar 06, 2011 2:28 am
Delivery Date: 13 Feb 2017
Location: Colorado

Re: Insurance and accidents questions

Mon Sep 18, 2017 7:50 pm

After ~ 5 years of making payments you still owe more than ~ $3-4k ?
2013 Model 'S' with QC & rear-view camera
Bought off-lease Jan 2017 from N. California with 63.9 Ahr after 22k miles
Car is now enjoying an easy life in Colorado

nerys
Posts: 686
Joined: Tue Sep 09, 2014 10:11 pm
Delivery Date: 09 Sep 2014
Leaf Number: 020441

Re: Insurance and accidents questions

Mon Sep 18, 2017 7:58 pm

3 years this November got it in September but did not have to make first payment till November.

6 year 4% loan My credit is a bit better now so I am hoping I can get better interest rates. I was a 640 then a pretty solid 700 now.,
2012 SV 4802miles. 1month 2400 miles. 9 weeks 5000 miles. 6 months 13,300 miles. 4/18 15,000 miles.

SageBrush
Posts: 1481
Joined: Sun Mar 06, 2011 2:28 am
Delivery Date: 13 Feb 2017
Location: Colorado

Re: Insurance and accidents questions

Mon Sep 18, 2017 8:24 pm

nerys wrote:3 years this November got it in September but did not have to make first payment till November.

6 year 4% loan My credit is a bit better now so I am hoping I can get better interest rates. I was a 640 then a pretty solid 700 now.,

I see. Then definitely push for a car totalling :-)
In this case your insurance will fight you since they are on the hook for the gap.

Remind them of 'diminished value' due to the accident to help them see it your way.

By the way, I paid $8300 for a 2013 with an excellent battery back in December 2016.
2013 Model 'S' with QC & rear-view camera
Bought off-lease Jan 2017 from N. California with 63.9 Ahr after 22k miles
Car is now enjoying an easy life in Colorado

GerryAZ
Gold Member
Posts: 1479
Joined: Mon Nov 22, 2010 6:47 pm
Delivery Date: 12 Jun 2011
Location: Phoenix, AZ

Re: Insurance and accidents questions

Tue Sep 19, 2017 2:05 pm

Other driver's insurance should be on the hook for this. Car is unibody construction so if main body is distorted at all it will be totaled. If either rear passenger door is difficult to open or close, body is distorted enough to be a total loss. Check the terms of the gap insurance to make sure you are fully covered.
Gerry
Silver LEAF 2011 SL rear ended (totaled) by in-attentive driver 1/4/2015 at 50,422 miles
Silver LEAF 2015 SL purchased 2/7/2015

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