Sad start to a new gladiator

[CreepyJeepy]

Likely totaled, looks like it will need a full cab replacement. Parts and labor will push 40k

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[glassjawkid32]

If you lived in California at that time -

Once the repair costs, salvage value, and ACV are calculated, your insurance provider will use a Total Loss Formula (TLF) to see if your vehicle it totaled. The TLF in California is Cost of Repairs + Salvage Value ≥ Actual Cash Value.

If the sum of the repair costs and the salvage value is more than or equal to the ACV, your car is deemed a total loss.

If it would take 10K to repair it and the salvage value was 4K and they figured the ACV pre-crash to be 16K then 14 is less than 16, they'd not total it in California. It's not the company, it's the state.

*If it needed 10K in repairs and the salvage value was 5K and the ACV prior to crash was 15K by CA state law they had to total it.

Whenever there's a question, people should consult their state law and tell your insurance company you want their figures and proof they complied with laws in your state.
*In this example, the company legally had no choice but to total it because the total was equal to or greater than ACV pre-crash.

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A car is considered a total loss in California when the vehicle’s actual cash value is equal to or less than the cost of repairs plus the salvage value. Actual cash value refers to how much the car was worth immediately before the damage, while the salvage value is the car’s worth in its damaged state.

When a car is totaled according to the California totaled car law, the policyholder will receive the car’s actual cash value from the insurance company if the loss was covered. Insurance companies in California are also required to pay the sales tax and title costs if the policyholder purchases a replacement vehicle.

California Total Loss Law Example
Pre-crash value: $15,000
Cost of repairs: $6,000
Salvage value: $10,000
Pre-crash value - cost of repairs - salvage value = -$1,000
Result: Car is totaled
In this example, the driver’s car is totaled according to California law because its pre-crash value, or actual cash value (ACV), is lower than the sum of its repair cost and salvage value.

It’s also worth noting that the vehicle used in this example probably cost more than $15,000 when it was originally purchased. The ACV is meant to reflect the car’s worth in its depreciated state, not the cost of replacing the vehicle.

Dang I did not know that. The shop who did the repairs just explained it as "the way USAA determines it."

 

[SargeDiesel]

My opinion, get a fresh new gladiator. That gladiator frame and other parts are compromised due to the hard impact. Motor misaligned, broken internals that can’t be diagnose visually. Again I’m not an expert in car damages just my thoughts.

I wouldn't want it after a hit like that.... I would always have it in the back of my mind...

 

[Choice Mojave]

Different states in the U.S. have different guidelines. It's up to the state laws (and to some extent, the insurance company can control things by declaring different values, tweaking things) in the end, it's the state law.

I posted Iowa above - Iowa is really easy to get a vehicle totaled - Texas it twice as hard to see a vehicle totaled.

A car is considered a total loss in Texas when the cost of repairs plus the salvage value is at least 100% of the vehicle’s actual cash value. Actual cash value refers to how much the car was worth immediately before the damage, while the salvage value is the car’s worth in its damaged state.

When a car is totaled according to the Texas totaled car law, the policyholder will receive the car’s actual cash value from the insurance company if the loss was covered. Insurance companies in Texas are also required to pay for applicable taxes and title costs if the policyholder purchases a replacement vehicle.

Texas Total Loss Threshold
The Texas total loss law is also called a total loss threshold. Threshold systems account for the fact that damage is often more extensive than it appears. For instance, the threshold of 100% assumes that a car with that much damage is likely to have even more problems that won’t be visible until a mechanic starts repairing the car.

Texas Total Loss Law Example
Pre-crash value: $15,000
Cost of repairs: $3,000
Salvage value: $8,000
Sum of salvage value plus repair cost: $11,000 (less than 100% of the pre-crash value)
Result: car is not declared a total loss

In Iowa, that $11,000 is more than 50% of the pre-crash ACV so it WOULD be totaled.

As far as the OP - he's in Canada and I don't know what province so we don't know if there are laws there and what those laws are for where he lives.

WOW, I am in Texas. That is good to know, Thanks!

 

[Choice Mojave]

Hope you are okay . Also hope everything works out to your favor. But looking at your pictures, seems all the upgraded safety features/designs did their job on a vehicle with removal doors!

 

[TheSolarWizard]

Sorry about your truck
buy another it was good to you!
next one get some frame mounted rock rails just in case

 

[Trickster]

Maybe I missed it but what ‘was’ the vehicle that t boned you?
Acura?
Did it brake before the collision?
By the looks of it from the pics, it’s bumper dove down under braking and went under the JT sill. Did you see it coming at you?
If so that will be an ingrained image in your memory.

 

[ShadowsPapa]

Maybe I missed it but what ‘was’ the vehicle that t boned you?
Acura?
Did it brake before the collision?
By the looks of it from the pics, it’s bumper dove down under braking and went under the JT sill. Did you see it coming at you?
If so that will be an ingrained image in your memory.

https://www.jeepgladiatorforum.com/...t-to-a-new-gladiator.52672/page-3#post-863382

 

[Jerhemi]

Glad you’re ok. I hope they total it and you get a new one.

 

[KX L]

Hey guys, was happy to be a new gladiator owner, drove it twice and already had a red light runner come and t-bone it. Luckily no heavy injuries, if I was in any smaller car would have been worse. What do you all think, is it fixable or write off? Looks like frame damage.

Just curious about the one who hit you. Was the driver OK? What are your beliefs on cause? In a hurry or impaired due to drinking, drugs, phone? Age and sex? Did the driver have insurance?

 

[Trickster]

https://www.jeepgladiatorforum.com/...t-to-a-new-gladiator.52672/page-3#post-863382

Bill I don’t understand your link to the questions I asked the OP?

 

[Lost1wing]

Bill I don’t understand your link to the questions I asked the OP?

I am glad you are okay! I am hoping that they total it and you get 100% replacement. After that I hope it hits the auction and I get the bid! What an awesome parts vehicle it will be. Trying to look at the bright side of a terrible situation. Again, I'm glad you are okay.

 

[Just Jon]

Regardless of who your insurance company is they will try and fix it or if totalled offer pennies on the dollar claiming it is a used vehicle even if two weeks old.

Fight them for a total replacement equal to or better. It can be done, I did it a few years ago but it was not a Jeep.

Drove off with full upgraded vehicle.

 

[ShadowsPapa]

Regardless of who your insurance company is they will try and fix it or if totalled offer pennies on the dollar claiming it is a used vehicle even if two weeks old.

Fight them for a total replacement equal to or better. It can be done, I did it a few years ago but it was not a Jeep.

Drove off with full upgraded vehicle.

You realize that your policy is a legal contract or document I assume. If you fought and won it was only because it was in your policy.
As far as totaled or not, that's state law they must comply with. They may do better than state law but they cannot do worse.
They will give what the pre-collision value was. If it's only two weeks old it's not a new vehicle - no one should ever expect a check for full purchase price as if it's new once it's titled and off the lot.
People believe because they bought a new vehicle they still own a new vehicle when it gets wrecked. (granted, today is very different due to covid but go back 2 or 3 years for reality)
They use the same criteria we do when searching NADA or KBB or other resources.
When I finally got my father's company to realize his truck had 35,000 miles instead of 135,000 miles, and proved it was a short wheel base, in the end I got more than $2,000 for the truck than NADA and others said it would be worth. Similar happened with the company I use - they were fair and accurate.
As far as what a company will or won't do - it's pretty well spelled out in that policy and state law.
A company won't "Try to fix it" because the threshold is spelled out in law. If the law allows things to be fixed, then that's what a company would do - legally whether you like it or not.
People take their vehicles so personally, law and contact be damned.

 

[YYCGLADIATOR]

To answer some of the questions, the other car was a ACURA TL, an older model 2000's.

The other driver was definitely trying to make the red light, most likely over the speed limit and they couldn't stop since pavements were iced. I was just normally driving through the intersection when the light turned green, they hit me when I was already halfway in the intersection. Not sure if any marijuana is involved, I smell that stuff on the road everywhere, so many irresponsible behaviours ever since they legalized it.

Also saw a flipped car the other day, not sure what the hell is going on these days in Canada, I just came back from Europe/Asia.

The car is still at the impound lot, no one working during the holidays, hoping they would total it at market price....these things are selling way over MSRP in the used vehicle market, insurance did say they value it at MSRP so who knows.

Looking at the 392 GLADIATOR if that ever comes to market

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