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Old 05-22-2013, 07:44 PM   #1
k1ngkev1n1
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So my insurance declared my car totaled...?

So I got rear ended a while back I posted pictures in here. Damage was 10000 in repairs my car cost me 22000. I spoke with another ford dealership regarding trade in and he said carfax said it was declared totaled. Wtf is that?


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Old 05-22-2013, 07:56 PM   #2
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If they declared the car totaled then why did they fix it?
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Old 05-22-2013, 08:03 PM   #3
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Yea that's my issue... That's what the dealership said carfax said. I called my atty she's gonna contact my insurance. But is there anyway to take it off carfax? Or once it's on it's on there forever?
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Old 05-22-2013, 08:06 PM   #4
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Who paid for your repairs? Get a copy of that carfax and bring it to YOUR insurance company (regardless of who paid for the repair.) If it was your insurance company that paid for the repair, question them on the discrepancy. If it was another insurance company that paid for the repair, ask your insurance company if they can help.

Typically, an insurance company will declare a vehicle a total loss when the cost to repair is greater than 80% of the value of the vehicle. The process for that varies from state to state, but you usually don't get to keep the totaled car when that happens. If your car is financed, the finance company MUST be informed when the status of the title changes. You would have also likely been issued a different registration (that indicated the vehicle as salvaged or some other non-standard designation) in that case.

I suspect your car dealership was exaggerating a bit. Perhaps he was suggesting that your car was "really badly damaged" instead of being marked as a "total loss."
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Old 05-22-2013, 08:16 PM   #5
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Quote:
Originally Posted by garyd9 View Post
Who paid for your repairs? Get a copy of that carfax and bring it to YOUR insurance company (regardless of who paid for the repair.) If it was your insurance company that paid for the repair, question them on the discrepancy. If it was another insurance company that paid for the repair, ask your insurance company if they can help.

Typically, an insurance company will declare a vehicle a total loss when the cost to repair is greater than 80% of the value of the vehicle. The process for that varies from state to state, but you usually don't get to keep the totaled car when that happens. If your car is financed, the finance company MUST be informed when the status of the title changes. You would have also likely been issued a different registration (that indicated the vehicle as salvaged or some other non-standard designation) in that case.

I suspect your car dealership was exaggerating a bit. Perhaps he was suggesting that your car was "really badly damaged" instead of being marked as a "total loss."
My insurance paid for the repairs bc the other driver disnt have enough coverage to cover the cost of the repairs. What can my insurance do if they did in fact report it totaled? Just trying to see what the best outcome can be of this. I asked the dealership to email me the carfax. Car is paid off not financed.
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Old 05-22-2013, 08:40 PM   #6
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Quote:
Originally Posted by k1ngkev1n1 View Post
My insurance paid for the repairs bc the other driver disnt have enough coverage to cover the cost of the repairs. What can my insurance do if they did in fact report it totaled? Just trying to see what the best outcome can be of this. I asked the dealership to email me the carfax. Car is paid off not financed.
About the only thing you can do now is to get a copy of the carfax and once you have it, bring it to your insurance company and ask them about it. If they didn't total your car, it is possible to submit a correction to carfax. See: http://www.carfaxbig.com/resources/dcf.pdf

As well, the following link brings you to a carfax "help center" page that has a link near the bottom that might be used for correcting issues: http://www.carfax.com/cfm/helpcenter.cfm

I wish you luck with this!
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Old 05-22-2013, 09:13 PM   #7
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Not sure if you guys can read it. Dealership sent me the carfax. Title shows clean but says totalled.
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Old 05-22-2013, 09:57 PM   #8
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Carfax is not that accurate, i looked up some of the cars I owned, sold and traded in. One was damaged by a Hurricane, required $3K+ of body work and glass, Carfax did not even mention it. So I no longer trust Carfax.
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Old 05-22-2013, 10:38 PM   #9
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That is nuts that your car is showing as a total lose. Have to contacted your insurance company and/or carfax about this yet? They are the only ones that can fix this unfortunately.
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Old 05-24-2013, 11:26 AM   #10
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Believe it or not, I actually work for CARFAX and it appears that the Insurance Company has declared your vehcile a total loss and reported that data to us. (based upon the report you posted).

We don't declare anything here. We report what is given to us.

If you wish, you can contact our customer support team here:

http://support.carfax.com/c_contactus

Thanks,

Dave (2000 Focus owner, hoping to buy a 3rd gen)
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