Toyota's are BEASTS!

[adio3x]

Long story short, I went out to dinner today for my girlfriend and her sister's birthdays, her mom drove her GX470. We were going about 40mph down a city street, when BAM, some idiot in a 1995 nissan quest ran a stop sign going about 50mph, drove out infront of her car, she couldn't avoid it, so we T-boned him hardcore. We than spun, his wheel popped off and ricocheted off the side of the lexus. Thankfully noone was injured, my leg cramped up and I could hardly walk on it, but its fine now.

His car was totaled, the lexus's front end was smashed in so bad that the front 2 doors wouldn't open. Other than that, no cracked windows, airbags didn't go off, no other body damage past the front doors. The car started up just fine after the accident. But than when the police got in to move the car, they didn't move the front bumper out of the way and drove over it, popping all 4 tires lol.

My question is, if the car is totaled and she still owes money on it, what happens? Does the insurance give you money for what its currently worth or what? Thanks.

-Andrew

 

[Tucson4runner]

most insurance companies will give you kbb or close to it of what the vehicle was worth. so say she was upside down on payments and she owed 10,000 and the car was only worth 8,000 she would be responsible for the other 2,000. on the other hand say she owes 2,000 and the car is worth 10,000 they will pay her 8,000 and pay the car off with the other 2,000. glad to hear everyone was ok

 

[Ross]

most insurance companies will give you kbb or close to it of what the vehicle was worth. so say she was upside down on payments and she owed 10,000 and the car was only worth 8,000 she would be responsible for the other 2,000. on the other hand say she owes 2,000 and the car is worth 10,000 they will pay her 8,000 and pay the car off with the other 2,000. glad to hear everyone was ok

This, unless she has gap insurance. If she does have this coverage and the vehicle is worth less than owed the insurance company will cover that "gap".

 

[Seabee]

Sorry to hear about your accident, I'm glad everything is okay. Would she be willing to sell some parts?

 

[DexTech]

if the accident is deemed the Quest drivers fault, couldn't mom file a claim for any shortage against that driver/insurance company?

 

[Tucson4runner]

This, unless she has gap insurance. If she does have this coverage and the vehicle is worth less than owed the insurance company will cover that "gap".

Very true sorry forgot to mention that.

 

[gm350reratliff]

I would think that the airbags not going off is a problem worth looking into. Glad your ok. Of course somtimes those airbags do more harm than good.

 

[4-Ripcord]

Dang dude! When I first saw the pic and didn't see a "Toyota", I thought it may have been your rig. I was scared!

But then I read on.. Glad everyone was OK! Good luck with the insurance, I hope I never have to deal with them.

 

[Burt]

When the insurance company totals the vehicle, they essentialy buy the vehicle from the owner. She will have to transfer title to the insurance company. No parting out will be allowed, only personal property can be taken.

 

[philsey]

After seeing the picture, I am flat astonished that airbags didn't deploy. Seems to me they should have. I mean, T-bone at 40 mph, wtf?

 

[adio3x]

After seeing the picture, I am flat astonished that airbags didn't deploy. Seems to me they should have. I mean, T-bone at 40 mph, wtf?

Exactly, she said she would call up lexus and see what they said.