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Glad to hear she was OK. Chances are that if your airbags did not go off, your insurance company will fix it. From your pics the damage is nowhere near being totaled. Just my opinion. Good luck

 

I'm a claims adjuster.

Total loss thresholds vary from state to state. Ask your insurance company or the at-fault carrier for the rule in your state.

That does not look like a total loss to me.

 

i've seen less damage and cars were total lost. maintain contacts with your insurance. take it to a MINI authorized repair shop and have them give you an estimate that will maintain your warranty (if you still have it).

 

Huh ?? Don't give advice unless you are sure you know what you're talking about. You don't lose your warranty by taking your MINI to a body shop that is not associated with a dealership !

And sure, there are vehicles with less damage that are total losses... like a 1982 Plymouth K-car with a door ding.

But his car still has a value around $20K. VERY unlikely that MINI is totaled. The oil leaking concerns me a bit but still.....

 

Lol at "K car". I remember those.

 

Nice example to use as a serious POS car, right ?

 

Classic!! I always wanted a Pontiac Fiero myself

 

Another classic POS car.

I had a friend early in my Air Force career... like the early 80s, who drove an AMC Pacer. I had the displeasure of riding in it on several occasions. I injured my neck in that car one time. No... not from an accident, from ducking down so nobody could see me !

 

I would guess its not totaled. Looks likeitneeds a hood, bumper, and some lights. My wife's looked worse after hitting a dear.

Nik

 

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Why does anyone think you have to have a MINI body shop fix a car to keep your warranty in place ?

And your MINI does not have a frame. It has Unibody construction.

 

Most dealers contract the body work out.

In my state, I have a right to have my car work done at any repair shop. In my ONE accident, I called BMW to ask which body shops they recommend in the area, and gave me both of the shops they use.

I obviously used one of those, and one of them was "certified" by my insurer - and my insurer gave me a break on the deductible if I used one that was certified by them. So I took that one. BMW likes it, and my insurer liked it, so win/win.

 

15" Wheel
LF Knuckle/hub/nut/outer ball joint
Bumper facia
Chrome Grille trim
Lower Front Marker/fog light
LF side Marker light
LF Wheel well liner
LF Fender Trim
Front plate bracket
Front lower lip spoiler
Coolant bottle
Frt Bumper support
LF Non Xenon HD light
LF HD Chrome Trim
Left side Bonnet stripe
Right side Bonnet stripe
MINI Wings Bonnet badge
Hood
Front Upper Grille ( non chrome )
Front Panel ( Radiator support )
Four wheel alignment
Mounting/Road Force Balancing 15 wheel/tire.

This is what I see so far....with labor and paint it's gonna be in the neighborhood of $5-6K I would think, so not totaled.

 

Impressive

 

The coolant bottle is a very reasonable source for a coolant leak with a hit in that direction. It could also be the radiator or a dislodged hose, but I would think that rather less likely. The source should be fairly obvious once the bonnet (hood) gets opened.

Oil leaking out would worry me a lot more. Maybe the filter housing was damaged? That is in the same general area, and would be a lot easier to replace than most other stuff that has oil in it.

 

...

 

Yep, there usually is. OP, I'd talk to your agent about trying to get diminished value due to the car being newer. Good luck with everything.

 

You mean is claim adjuster for the at-fault party's carrier, not his agent. First, they have to accept liability and appears that's still not confirmed. Then, it depends on the State of venue, not all States require carriers to pay Diminished Value claims.

Good thought though. That much damage on a fairly new car... certainly a candidate for a DV claim.

 

Wouldn't he also be eligible for "DV" form his own carrier, IF it ends up that the other driver was not at fault??

 

No. DV claims are only valid on third party claims, not with your own carrier when damages are paid under your own Collision coverage. Only exception is if you are free of negligence and your carrier handles it as an Uninsured Motorist claim, in which case they are acting as a third-party carrier.

 

Make sure that the insurance company pays to blend the adjacent panels under the paint work. When you blend the panels, such as the door the new work is harder to detect. If you do not blend the panels then the paint color could be off just enough that you can tell some parts have been repainted. Tell the insurance company you want OEM parts and not Aftermarket. Be firm on these.

 

Ummm... good luck with only OEM parts if the State's insurance department hasn't made that a rule in his state, and very few have. The ones that have, have higher rates for insurance.... somebody has to pay the extra cost. He can always pay difference in cost for the new, OEM parts if he wants them.

And any body shop that knows a thing knows to blend adjacent panels.

 

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The radiator and other parts that are on your MINI when it comes out of the factory are aftermarket. Not many car manufacturers make their own radiators, batteries, etc. Don't worry even a moment about that.