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Advice: 09 Prius rear-ended, fix or?

Discussion in 'Gen 2 Prius Main Forum' started by vorticity_of_whiskey, Sep 22, 2017.

  1. vorticity_of_whiskey

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    Hi All - This is my first post so apologies in advance if this is not quite in the right place.

    The backstory: My 09 Prius was rear-ended and the the vehicle has been deemed a total loss by the other driver's insurance company (other driver is liable). The car is being valued at about $8800 and the preliminary estimated cost of repairs by an adjuster is approximately $5000. The car is still sitting in my driveway and looking quite sad. Unfortunately it is not driveable as the the back-left tire (driver side of the car) is rubbing against the car. The trunk also won't shut and the back doors don't open/close quite right. I've included a couple pictures just to give an idea and I realize that a proper estimate of costs requires an assessment at a shop.

    The advice: Based on experience here, is it reasonable to expect the car to be fixable at a cost that's in the $6-$7k range? The 09 Prius is my household's only vehicle and we've been without a car now for several weeks (the insurance company we've been dealing with has not been the best - but we're getting that sorted out). While terribly inconvenient I live in an area with reasonable public transit that has made this workable, but the situation is decidedly suboptimal.

    I see I have a few options:
    1. Take the $8800 and consider the car a total loss and get a new car. The Prime looks great and the idea of getting to work and back on electric-only power is really attractive.
    2. Get the car fixed and hope that what insurance provides is sufficient to cover the costs of fixing the vehicle. It's worth noting that prior to the collision the car was in great shape and I planned on keeping it for as long as feasibly possible.
    3. Get the car fixed and, in the meantime, get a used Nissan Leaf as a daily commuter.
    Option 3 is my current preference. I really want to keep the 09 Prius and getting a used leaf seems like a cost effective way to have a sort of pseudo-Prime (used leafs appear to be $8-$10k). The leaf has sufficient range to cover most all short commute needs and the 09 Prius would fill in the gaps.

    Is this reasonable? Is there anything here I might be missing? Any advice or thoughts are much appreciated!

    tl;dr: My prius was rear-ended. Insurance says it's a total loss. But could it be fixed for a reasonable price? I would vastly prefer to keep the car and perhaps get a used Leaf for short, electric-only trips.
     

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  2. bisco

    bisco cookie crumbler

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    welcome!

    how many miles on her?

    i would have a decent body shoppe look it over to determine what needs to be done on a cost effective basis, if you don't mind it not looking like new when you get it back. (allowing for the possibility of hidden damage)

    i love the idea of a used leaf, they are so inexpensive.
     
    vorticity_of_whiskey likes this.
  3. vorticity_of_whiskey

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    Thanks! Only 78k miles. Still had (has) a lot of life left!
     
  4. bisco

    bisco cookie crumbler

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    ya, that's a beautiful car, if you can get it fixed at a reasonable price. but you need a high quality shoppe that can assess frame damage, rear axle, battery compartment and etc., or you could have a lot of niggling problems down the road, such as water infiltration, uneven tire wear and etc.
     
  5. vorticity_of_whiskey

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    Thanks for the advice - there are some local body shops nearby my household with some good reviews that I'll check into. I certainly want to avoid persistent issues down the road.
     
    bisco likes this.
  6. bisco

    bisco cookie crumbler

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    all the best, please keep us posted.(y)
     
  7. MelonPrius

    MelonPrius Senior Member

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  8. Moving Right Along

    Moving Right Along Senior Member

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    I'd take the insurance payment and look for a different car.

    If you got it fixed, you'd have a salvage title, your existing insurance company wouldn't insure it, and you wouldn't know how well the structural damage was fixed and if something else could go wrong that was caused by structural problems but missed.
     
  9. edthefox5

    edthefox5 Senior Member

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    It's usual the offending owners insurance company provides a loaner vehicle during this time. Never heard of that not happening.
    I have 2 friends at work that have had a rental car going on weeks after an accident.

    Take the $8800 and run. The offending insurance company sounds terrible and are cheap skates which will be reflected in the outcome of your cars repair.

    You can get a very nice Prius for $9000.
     
    jerrymildred likes this.
  10. mmmodem

    mmmodem Senior Taste Tester

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    I wouldn't do 1. It's the costliest option to buy a brand new car.

    I wouldn't necessarily do 2. If the car was worth $8800 before the accident, it won't be work $8800 after the accident. It won't be worth the $6000-$7000 the insurance company is estimating the repairs will cost. That's the reason they are totaling the car. No one wants to buy a $7000 Prius with major rear end damage when they can get the same for $8800. Therefore it's a waste of money to put $7000 into car repairs when the car won't be worth that much.

    I wouldn't do 3 either. With public transportation you don't need one car, let alone two. This is your second costliest option to insure and maintain two vehicles.

    I would take the $8800 and get a 2012 plug in Prius. They can be had in the $12k range. Sure you spend a little bit it gets you a 3 year newer car, so you're buying more time. You also get to drive electricity like you wanted. If you really want the Prime, buy it used 3 years from now when the new car depreciation has already taken it's toll.
     
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  11. jerrymildred

    jerrymildred Senior Member

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    That's the way I'm thinking too.

    Another thing to think about, if you like working with your hands, is having it totaled, and possibly buying it back from the insurance company. That's assuming you have a place to put it while you cannibalize it and sell off the parts. The only thing that stopped me from doing that when we got rear ended was lack of a good place to butcher the car.
     
    edthefox5 likes this.
  12. 05PreeUs

    05PreeUs Senior Member

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    It IS totaled, my advice is let the other insurance company deal with it, it will NEVER be "right" again.

    Try to find LOCAL Prii in the same condition with the same options listed for sale at Toyota Dealers, online marketplaces etc, but NOT private party listings. Something close to NADA clean retail value, or 90% of the local DEALER's asking is where I would settle with the insurance company and not a penny less.
     
    edthefox5 likes this.
  13. vorticity_of_whiskey

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    Thanks all for the advice - much appreciated.

    The insurance company we're dealing with is, without any doubt, absolute and complete garbage. That's something I cannot overstate. Augh.

    The comments on fixing the car are helpful and offered some insights I clearly had not thought about. We've been fortunate enough to have never been through this kind of situation before so have no prior experience to reflect upon.

    So here is where we are now, just to keep you all posted:
    • We love the idea of having an electric vehicle. We went test driving over the weekend and drove a used Leaf that we enjoyed quite a bit but were hesitant to buy as we encountered a handful of glaring red-flags at that particular dealership - so we walked away. Later we were alerted to the excellent rebate that MelonPrius noted and were able to get a nice, affordable deal on a new '17 Leaf (from a different dealership than before).
    • Point taken on fixing up the Prius. In terms of fixing it up, I have to admit it's partially a sentimental attachment to the car. We really love(d) it, have a lot of great memories associated with it, and don't want to see it sent off into the sunset with so few miles and in such (formerly) great condition. But the comments noted here are very reasonable/sensible. Totaling it, taking the money, and grabbing a used Prius seems like a very wise choice and it's the route we'll be pursuing.
    Thanks all!
     
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  14. 05PreeUs

    05PreeUs Senior Member

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    PLAY HARDBALL! The Insurance Adjuster wants this off their plate as quickly as possible, get a number in your head that can be backed up by dealership prices and/or NADA and DO NOT ACCEPT LESS. Sooner, rather than later, the adjuster will figure out you are informed and capitulate to your price.