Total Loss (The life of a sad man) - Page 2 - JeepForum.com

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post #16 of 22 Old 06-25-2013, 06:14 PM
chris87xj
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Quote:
Originally Posted by Motorcharge View Post
I said it worked the same as what you said.
I think I had my ears on backwards.


***Chris***

"You can set my jeep on fire and roll it down a hill,
But I still wouldn't trade it for a Coupe DeVille."


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post #17 of 22 Old 06-28-2013, 05:41 PM
Muddy97Cherokee
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wut That is a total loss to you? A total loss to me is where the entire front end in bashed in and the "frame" bent to ****. I T-boned an Explorer and got a lot more damage than that and was surprised at how it stood up to it while the Explorer had it worse.

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post #18 of 22 Old 06-28-2013, 06:03 PM
chris87xj
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Total loss to an insurance company is way different than total loss to a jeeper.

***Chris***

"You can set my jeep on fire and roll it down a hill,
But I still wouldn't trade it for a Coupe DeVille."


JeepForum.com/IndyORV@Redbird-SRA

COTY 2009

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post #19 of 22 Old 06-28-2013, 06:16 PM
Muddy97Cherokee
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Quote:
Originally Posted by chris87xj View Post
Total loss to an insurance company is way different than total loss to a jeeper.
True but I doubt that all that could total the jeep. Probably about $200-$300 worth of damage maybe. All those same parts were broken on mine and I bought the cheapo stuff and spent around $100 fixing it. Would have been more if i replaced the fender.

1997 XJ Sport
6.5" with 31's
Built to CRAWL
BUILD THREAD
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-ZACK
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post #20 of 22 Old 06-28-2013, 08:15 PM
dmill89
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Quote:
Originally Posted by Muddy97Cherokee View Post
True but I doubt that all that could total the jeep. Probably about $200-$300 worth of damage maybe. All those same parts were broken on mine and I bought the cheapo stuff and spent around $100 fixing it. Would have been more if i replaced the fender.
But remember insurance companies use the cost of new OEM parts and the labor rate from a dealer body shop when they do their calculation to determine if it's "totaled".

Genuine OEM parts prices:
Bumper (Chrome): $166
Bumper End Caps: $145 ea. (no this is not a misprint)
Bumper Brackets: $45 ea.
Header panel: $340
Grill (Chrome): $280
Headlight Bezel(Chrome): $162 ea.
Turn Signal lens: $31
Parking lamp lens: $33
Total Parts: $1554

Plus at least $95/hr. labor
Plus ~$300 to paint the new header panel.
Total repairs as the insurance company is concerned are near $2000, most insurance companies will total at 75% of the vehicle's book value so they can definitely justify totaling it.

Vs. What you could repair it for yourself: (This is assuming you replace all the same parts the insurance company would)
OE equivalent aftermarket parts at Rock Auto prices:
Front Bumper (Chrome): $50
Bumper End Caps: $5 ea.
Bumper Mounts: $6 ea.
Header Panel: $35
Grill (Chrome): $35
Headlight Bezel (Chrome): $5
Turn Signal Lens: $6
Parking Lamp Lens: $10
Total Parts: $163

Plus $20-30 worth of dupli-color (assuming you use primer, paint, and clear)

Total: <$200

Just the bumper, mounts, and lenses is less than $100 and a little epoxy can fix that crack on the header panel pretty good, it won't be perfect, but you'd have to get pretty close to tell it was repaired.
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post #21 of 22 Old 06-28-2013, 10:23 PM
Motorcharge
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Quote:
Originally Posted by chris87xj View Post
Total loss to an insurance company is way different than total loss to a jeeper.
A dent is a total lost to most insurance companies on XJs. At best you have a clean as hell, stock 01 with low miles worth $3-4k blue book to them.


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post #22 of 22 Old 07-03-2013, 01:42 PM
jeepkid03
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Quote:
Originally Posted by Motorcharge View Post
I wouldn't have even filed an insurance claim. Looks like all cosmetic damage from the pics and nothing past the front clip. Assuming the radiator and unibody are ok you could get replacement parts from a JY around here for under $150 and they're all bolt on.

I'd make damn sure that she lost her license though. You can't put a price on sentimental value and you shouldn't have to worry about losing your XJ because some old lady who has no business being on the road anymore still has a license.
+1

We had to take my Grandma's keys at 80 years old. Older people are just as dangerous as teens texting. My Grandma hit a mailbox doing 50 mph and didn't even notice, and when I say hit she took the whole thing out.
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