Does this car look totaled to you? I'm not sure but I think it is. I rear ended someone at a red light, and I realize it is totally my fault and I do own up to it.

I have Geico insurance. After my 500 deductable, how much do you guys think I'll get for my car? How do they determine a fair price? I see many different prices between KBB, Edmunds, and NADA. NADA is the highest, then KBB, then Edmunds.

It's a 1995 Acura Integra LS SE 2-door 4 cylinder with about 98500 miles. Besides some rust under wheel wells and some scuffed leather seats, the car was in great condition, so I'd say good; not excellent.

Has Geico been known to be dicks about this? Will they probably screw me over? How much do you think my premium will go up? I'm 17 and already pay about 150 a month, sadly.

Lastly, if anybody has any advice and tips on disputing or ways for me to get as much money as possible, that'd be greatly appreciated.

I'm gonna miss my teg =[. Hopefully I can afford the 01 teg up the street. It's at like 5k =\.

 

ya its totaled

 

Airbag deploy = total. Did your's?

I rear ended someone in June this yr with my 01 gsr. The adjuster said the low mileage helped. Also my bags didn't deploy.

If they total the car DO NOT release it to the INS Co until they give you a tracking number for the check in the mail.

 

Please read the post below; I accidentally posted twice when editing my post.

 

Nah, the airbags didn't deploy. I was only going like 20 and i slammed the brakes about a yard away, but my front end went under the SUV causing this damage, where theres not even a dent on the SUV.

How much did you get for your GSR? Do you think the fact that I own a special edition will play in my favor and would 98500 be considered low miles? Mine was in really good condition- it looked great, drove great, had zero issues and all maintained properly. There was, however, some rust under wheel wells and a few tiny rust bubbles that I did need to have repaired but it's not too bad.

I'm just hoping for around 3500 at least. With my 500 dollar deductable, I'm actually hoping for 4000 which probably sounds a little too high. I bought mine for 2400 but it was a good deal and I probably had to put 1500 into it for repairs (Raising it because it's illegal, installing radio, replacing timing belt, brakes and roaders, tires, replaced temperature sensors/O2 sensors, an alignment, and probably a few other things) so I just want a high enough check so that I don't have to deal with it being in the shop.

Can I show them receipts to prove the 1k+ in maintenance I put in? I also bought about 100 dollars worth of sony speakers. I took out my Alpine radio because I want to hold onto it, so that probably won't play in my favor.

I'm probably getting a nissan sentra, toyota camry or corolla, or a civic. It's hard to find a good integra for a decent price like mine was.

EDIT

Oops sorry! I meant to edit my post, I have no idea how it ended up posting twice!

 

See what they'll give you for it. I had AIG and they tried screwing me on my car when it was sandwiched by a girl who didn't have insurance (So I had to use mine to replace my car). They'll lowball the **** out of you, but what you need to do is find a few for sale in the area (At dealerships) with similar miles that are higher priced. Argue the condition of your car at the time of incident and tell them they need to provide you with enough money to buy on in the same or similar condition. Also argue your receipts, and eventually they'll pay you what they should. They valued mine at like $2200 or some BS. I showed receipts for the engine swap, trans swap, clutch setup, exhaust work, paint (was painted just before I bought it - it was a friends car), and I think I ended up with $4800 for mine in my pocket, after buying it back for $200 from them.

Then, see how much you can buy it back from them for. I bought mine back for $200 (they just took it off the check), so when I got my replacement integra, I swapped what parts I wanted from my wrecked one, and then parted the car out to make some extra money. You've got a GSR there, buy it back, and pull the swap out (worth $1500 at least), the brakes off of it (Worth a couple hundred at least with the rear disc setup), the steering wheel, airbags, etc. Even if they gave you only $3500 in your pocket, you could easily make a couple grand off of selling parts from that car. The rear bumper, hatch, doors, interior, dash, cluster - everything is worth something, and being low miles you could probably fetch a pretty good amount for it. That's what I'd do anyway.

 

Thanks a lot! I have about 2400 dollars worth of receipts for repairs and maintenance, and that could really help me. The only issue with buying it back and selling parts would be what do I do with the frame and everything when I'm done selling. But, great ideas, anyways.

Do you think they'd give me money for a fixed crankshaft oil seal? That cost me about $615, but my dad's thinking probably not since it was more of a repair than maintenance.

Sadly, I can't find ANY special edition Integras in the area at all... i guess it's a pretty rare model for where I'm from. I've seen a 2001 Integra LS up the street with a little lower miles (about 92000, I have 98) than mine selling for like 5300 so I don't know if that'd help me at all, but mine's only a 95.

The insurance adjuster told us to look at kbb.com, go under private value, and select good condition, and that's usually around what they give. It was about 3074 dollars or something. THAT would suck. I'd be left with 2500 after my deductable- hardly enough to buy another car. Especially because I'm still paying my dad 100 monthly to pay off the car and those repairs I put into it, and he doesn't have much money to lend me. Although my car was 2400, I've probably shelled in 4800 into it.

I personally don't know much about car parts and how to take them apart or anything, so I don't know if I'd be able to really sell those parts well at all.


Also, I don't think my car's a GSR. It's an LS SE.

EDIT
If they do lowball me, I found two great cars to compare with. An LS with 84000 miles that KBB says is worth 3090 (mine was worth 3070) selling for 4500 and they didnt even have premium or alloy wheels (I have premium with acura rims). So, I could argue that being an SE, I should get around 4500. There was also an IDENTICAL car to mine with 78000 miles or something similar that was worth only a few hundred more than mine selling between 4500 and 5000 (Maybe I should buy that one. Same car, low miles, perfect. It's about a 2 hour drive though). Hopefully these will help me!

 

What I did with mine is put it on Honda-tech for free when it was all stripped, and someone came and picked it up. I signed the title away and didn't have to worry about it.

What I did with the last car I recieved was put an ad on craigslist, and someone came and picked it up for me and hauled it to the crusher. I think he probably made $150 for recycling it, but to me, it was better than having to mess with it.

And for some reason I thought yours was a GSR, my bad. Either way, an LS swap would still fetch a pretty penny. If you want to learn about tearing cars apart, and doing an engine swap, right now is the best time to learn. Hell, if you found a 92-95 civic shell (car with no engine or transmission) or even one with an engine, your engine, trans, etc bolt right into it. If I was in your situation - thats what I'd try to do anyways.

 

Those all sound like great ideas, thanks. I don't think I'll be doing the whole finding a car with no engine and swapping it; I just don't have the time or effort to figure that out; I need a working car ASAP for work.

 

My (State Farm Mutual) insurance adjuster lowballed me, also. I asked the claims dept. to find 2 'like' cars with 'like' miles. They went to e-bay and autotrader.
They raised their offer.

Comapred to your Integra, those other body styles (Camry, Corolla, Sentra, Civic)
...you will hate yourself in the morning.

 

Nah, why would I hate myself? I only bought the integra in the first place because I couldn't find a civic in my price range. I had never even heard of them, as odd as it is. And then I discovered that everyone loves and wants integras here (i'm from southern nh, right on the edge of mass) especially people from lawrence mass. I'm not really into having a slick looking car - I just want something that isn't completely ugly that will last me a good amount of time- like a toyota, honda, acura, or nissan.

Besides, cheap integras are hard to find. And another SE? Forget it; there are ZERO SE models in the area unless I want to go drive 3 hours to see one and then discover it's a rust bucket or something.

Does anyone have an idea as to how much my premiums may go up?

 

Inexperienced drivers always pay more, before they prove the insurance companies right.

After the insurance company pays out on a claim, they begin the process to recover their loss.

This is what State Farm Mutual did in my case and I guess that the other insurance companies would do the same.

I have perfect credit, no violations, 31 years with State Farm Mutual with guaranteed life-time renewal.

10 years ago I had a $600 claim, because my wife tapped/scratched someones rear bumper.
My rates went up about $5 per month.

In 2008, 1 wife, 2 daughters (20yrs & 18yrs), perfect credit, and no violations.
2nd daughter (18) rear ended a mini (no damage) van, State Farm totaled the car and my rates have gone up (almost 20%) on my entire ploicy, not just the vehicle that my risky daughter drives.

 

wow you sound JUST like me
im 16 and rear ended someone in my turbo'd teg, but i was doin 45 on some radials and my car was easily a low 13

 

bah that's fixable. just get either a usdm or a jdm front clip and call it a day. that's what i'd do any ways...

 

 

Haha mine seems worse unless theres more under that hood damaged. My power steering is gone, radiators gone, and a shitload of fluid caps are snapped apart

 

totaled car means that the cost of the repair exceeds the value of the car, in which case, yes your car is totaled.

 

did it mess up the ABS unit and or the Aprin?
if so.. good luck fixin it lol

 

that rad support is all crushed in, probably got alot of stuff under the hood

 

Dunno what the hell Aprin is, but my ABS never worked anyways, so whatever I don't care. I replaced all fuses for it and everything, but I figure ABS isn't that big a deal; people went years without it.

I have *somewhat* good news. IF I manage to make it out with $3500, there's a silver 2001 integra ls with 92,000 miles selling for only 3.5k. It seems to be in great shape; I didn't see a scratch or tiny dent on it at all. It's just been for sale for about a year and they're just getting desperate to get rid of it. Seems like a sweet deal to me.

 

^Where the hell do you live that it takes an Integra that long to sell?

 

I live on the NH/MASS border. Prolly not selling cause it isn't listed online and I live in a very small suburban town. It certainly is strange- I know tons of other teenagers who would kill to have one or people who do. Doesn't really have to do so much with area; I'm close to Lawrence, MA where EVERYONE wants one haha.

 

Check your policy first to make sure you carry full coverage, I know some people might not carry that on a 1995 vehicle. Second find the discount page and look for "good driver discount" this is the discount you will lose. There may be additional surcharges but I don't know enough about your policy to make a guess. But yes they will low ball you at first unless you have the Kbb values and local sales ads showing similar values.
good luck.

 

Alright, thank you. And yes, I do have full coverage, haha. I remember the insurance person on the phone going "What? Why would you want collision on a 14 year old car?"

Someone at work told me she cut someone off and totaled her car with Geico and her rates didn't change at all; so I'm hoping for the best!

 

They way ive found to get the most is to fight with them for the best price, show them comparisons to other integras of similar values ect. I had a buddy with a sweet MK2 GTI who got in a lil fender bender and they totaled his car out at like $800 but after showing them some comparisons he ended up with a totaled title, his car, and a check for $2500.