ya its because when i bought this car i still owed 8,000 dollars from my previous loan with a 2010 hyundai accent (RBC had that loan nissan paid it off and added it my new car loan) . I had negative equity in that car i owed way more then it was worth and thats how i am getting screwed over.
This is just some of the OEM parts that would have been replaced and cost of them jesus!
(not all is listed here just the parts not all the repairs and refinishes)
Deflector,Rocker Panel RT Repair
Cover,Front Bumper 620229LE5J $228.67
Reinf,Front Bumper 620329LE0D $293.84
Panel,Frt Bmpr License 962103WC0A $50.32
Absorber,Front Bumper 620909LE0A $94.85
Grille Assembly 623103HN0A $208.50
Headlamp Assy,Halogen RT 260109LE0D $351.18
Crsmbr,Rad Panel Upr F25119LEAH $369.60
Condenser,A/C 921001HA3A $538.85
Reservoir,W/S Washer 289103WC0B $196.00
Panel,Hood F51009LEMA $338.38
Fender,Front RT F31009LEMA $151.54
Skirt,Inner Fender RT 638423HN0A $72.80
Wheel,Front RT 40300AX707 $84.43
Hub,Front Wheel RT 40202AX000 $289.57
Bearing,Front Wheel RT 402101HM0A $201.87
Absorber,Strut R/F E43029LE0B $171.62
Door Shell,Front RT H01009LEMA $760.05
Glass,Mirror Outer R/C RT 963653AN0B $91.08
Housing,Mirror Outer RT 963011HK5A $114.95
Cover,Frt Door Mirror RT 963731HK5B $119.05
Parts & Material Total $6,115.17
Labour Total 57.2 Hours $3,578.32
Harmonized Sales Tax @ 13.000% $1,274.84
Gross Total $11,081.33 TOTAL LOSS
INSPECTED DEC 15/2016 AT PRO FIX AUTO COLLISION, NEW PARTS PRICED
OUT 2015 VEHICLE. TOTAL LOSS, BRAND NONE, NO PRIOR DAMAGE
"NO PRIOR DAMAGE" WINK WINK
sad to hear this OP. im glad you're ok
if you dont mind my asking.....how much did you pay for this car's premiums? and was it full coverage? what about deductibles?
i think im paying too much....im in bc
Average auto insurance rates by province
Province Average Rates
Ontario $1,281
British Columbia $1,113
Saskatchewan $1,049
Manitoba $1,027
Average auto insurance rates by province
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View my fuel log 2016 Micra Active manual: 6.0 L/100 km ... 46.9 mpg (Imp) ... 16.6 km/L ... 39.0 mpg (US) ...
MetroMPG (12-21-2016)
Found this on leasebusters if you are considering another micra
http://www.leasebusters.com/en/details.asp?ID=218019
Is there structural damage?
If not, would you consider buying the car from your insurance company and repairing it yourself?
All those quotes are for new parts + full shop rates.
You could probably do it for half that with used parts.
So you take the payout, buy the car back from the insurer for a few grand and repair it.
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View my fuel log 2015 Micra S manual: 5.0 L/100 km ... 56.5 mpg (Imp) ... 20.0 km/L ... 47.0 mpg (US) ...
While the insurance and our laws regulate their involvement, you are still more than allowed to privately sue the driver for destruction of property - no different than the 'you break it you bought it' policies in stores, same laws apply to all possessions. it'd be unlikely that a judge would grant you more money than the value of the outstanding loan and lost time etc. but you can certainly make a case that they were 100% at fault, and broke your property to a point of disrepair as determined by the insurance company. They are either on the hook for buying out your financing, or paying to replace the car themselves.
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View my fuel log 2015 Micra SV automatic: 7.1 L/100 km ... 39.9 mpg (Imp) ... 14.1 km/L ... 33.3 mpg (US) ...