Your email address*Your Friends email address*Comment When your car experiences structural damage from an accident, it’s common to wonder how much it’s going to cost to repair the frame and whether a DIY job is realistic. The truth is that frame repair requires technical work and making mistakes can be dangerous. This is why it’s usually best to trust the job to a skilled technician. When you bring your car in for an estimate, they’ll generally recommend one of the following three options. Frame straightening serves at your best shot for restoring your car to the same condition it was in prior to the accident, but bending metal back into alignment is no easy task. To ensure precise accuracy, auto shops use computerized tools to determine proper alignment. Ultrasound technology is also required to measure the degree of damage, and lasers are then used to determine the necessary amount of alignment. If this process is done correctly and the damage isn’t too extensive, the vehicle can be restored to original condition.

In some cases, traditional car frame straightening techniques are insufficient for proper repair. One possible alternative is to cut out the bent portions of the frame and weld in new straight metal pieces. It is important to note, however, that welding can significantly reduce the structural integrity of the metal at the weld points. This can result in insufficient support if done incorrectly. A professional welder with significant experience should be able to provide adequate results in most cases. If you’re considering doing the job yourself, you may want to think twice, even if you have some welding experience. Because your frame is constantly under impact shock and other forces, it must be welded precisely or it isn’t safe to drive the car. To make sure the job is done right, you’ll want the superior expertise of a professional welder. Due to the difficulty and high costs often associated with car frame repair, many auto body shops may suggest scrapping the vehicle instead of repairing it.

This is because a bent frame means that the car may have poor wheel alignment and structural damage, and it may never drive the same again. If your technician tells you it will cost more than the vehicle’s worth to repair the frame damage, your best option is often listing the vehicle as a total loss with your insurance company. Oak Bedroom Furniture Marks And SpencerAfter their inspection, you’ll generally be given a check for the car’s estimated value that you can spend on a replacement vehicle.Windshield Washer Line Repair It’s normal to want your vehicle fixed as quickly and cheaply as possible after a major accident, but as you can see, frame damage isn’t something to be taken lightly. Bamboo Coffee Cork Flooring

Start with an inspection and estimate from a repair shop you trust, and then you can decide what course of action is best in your particular situation. After an Accident: How Insurance Works How to Find the Best Muffler Repair ShopsWhen and whether a vehicle involved in a collision is considered to be “totaled” for first-party insurance purposes is an issue of great angst and confusion for most consumers. We hear horror stories about older, functioning automobiles being “totaled” simply because the frame is bent or other seemingly minor and hidden damage occurs. Even insurance professionals can get turned around navigating the maze of rules and regulations regarding the act of “totaling” a vehicle under a policy. But it needn’t be all that complicated. This article will hopefully help take the guess-work out of when a car can be “totaled.” Typically, cars are considered to be “totaled” when the cost to repair the vehicle is higher than the actual cash value (ACV) of the vehicle.

Practically speaking, however, it is not always practical to repair a vehicle, even if the cost of repair is less than its ACV. A vehicle worth $4,000 requiring $3,000 in repairs might be considered “totaled” by an insurer even though the cost of repair is less than its value before the accident. Insurance companies will typically consider such a vehicle to be a total loss, even though the repairs are only 75 percent of ACV. While the procedure varies slightly from state to state, the insurance company will typically take ownership of the totaled vehicle (known as “salvage”) and may obtain a “salvage title” for the vehicle. After it pays it’s insured the pre-loss ACV of the vehicle and forwards the certificate of ownership, the license plates and a required fee to the Department of Motor Vehicle (DMV), the DMV then issues a Salvage Certificate for the vehicle. In some cases, the vehicle is repaired, re-registered with the DMV, and then classified as a “revived salvage” or “salvaged” vehicle.

Of course, if the insured wants to keep the “totaled” vehicle, the insurance company will deduct the value of the salvage from the claim payment. The criteria for deciding when a car is a total loss and when it can be repaired vary from insurance company to insurance company and might even be dictated and controlled by state statute or regulation. Further complicating the issue is the fact that insurance companies do not all use the same sources for determining the value of a vehicle. The threshold used by your insurance company to make this determination can be discovered by calling your insurance agent. Insurance professionals, on the other hand, have to be familiar with these rules, criteria, and thresholds in all 50 states. In determining whether a vehicle is totaled, insurance companies will calculate the total loss ratio (cost of repairs/actual cash value) and then compare this ratio to limits set either internally within the company and/or regulated and established by state law.

It is also sometimes referred to simply as the damage ratio. Some states dictate how high this damage ratio needs to be in order to be able to declare a vehicle a “total loss” and be eligible for a salvage title or certificate. This is referred to as the Total Loss Threshold (TLT). In order to total a vehicle, the total loss ratio must exceed the established percentage. If the TLT is not dictated by the state, an insurance company will usually default to something known as the Total Loss Formula (TLF) which is: Cost of Repair + Salvage Value > Actual Cash Value If the sum of the first two quantities is greater than the ACV, the car can be declared a total loss. As an example, a damaged 2002 Toyota Echo with 185,000 miles in good condition has an ACV of approximately $2,800. Total repair costs are estimated at $2,000, for a damage ratio of 72 percent. This car would be considered a total loss in Arkansas, where the TLT is 70 percent, but not in Florida where the TLT is 80 percent.

In Illinois, the TLF would be used and, if the salvage were worth $700, the car would not be totaled ($2,000 + $700 < $2,800). Of course, states utilizing the TLF rely on and defer to the judgment and opinions of licensed appraisers. Individual state laws provide the following with regard to the TLT: States frequently dictate this TLT as part of legislating salvage titles. As an example, in Wisconsin, § 342.065(1)(c) reads as follows: (c) If the interest of an owner in a vehicle that is titled in this state is not transferred upon payment of an insurance claim that, including any deductible amounts, exceeds 70% of the fair market value of the vehicle, any insurer of the vehicle shall, within 30 days of payment of the insurance claim, notify the department in writing of the claim payment and that the vehicle meets the statutory definition of a salvage vehicle, in the manner and form prescribed by the department. Many states have exceptions to these rules for older vehicles which tend to complicate the issue.