Would my 2009 Fusion SE be considered totaled?

Question

Just bought a 2009 fusion SE x plan price (around 19000 before tax) without gap insurance. only got Full coverage with $500 deductable and liability with AAA.

a crazy driver crashed into my car head on in a parking lot. It didnt look extremely bad but got it towed to the a AAA direct-repair body shop. The repair estimate was around 8500 bucks.

now given that I didnt get gap insurance, I am now freaking out about AAA just declaring my car totaled then I'll be owing a couple thousand for nothing. Would they consider it totaled for 8500 bucks damage?

Answer 1

generally it has to be 75% or greater cost for the car to be totalled. some other factors such as damage to the roof or roof pillars play a part.

Answer 2

if the air bags were set off than there is a good chance they will total it out, fairly common thing.....if not than no. but they may have a limit on damage costs that if it is exceeded they total the vehicle due to money they would loose on the claim, it would be in your insurance contract.  

Answer 3

It'll be fixed for sure. Usually it has to be 75% of the value of the car to even think about it being totaled. $8500 is nowhere near enough damage to be declared a total loss.

Answer 4

I don't know, but I feel so bad for you!!!! Fusions are such nice cars and it sucks that someone crashed into it! I would be pissed!

Answer 5

I always thought that if it costs more to fix it than the car is worth, then it's totalled. I am sure the car is worth more than $8500, so I would fight with them on it.  

Answer 6

usually if the repairs are within 80 to 85% of the value of the car it will be a total loss.