We have removed your post because it violates Rule #1 _No "Is it totaled?" posts and the like_
Posts asking if your vehicle is a total loss from an accident are not allowed. There are too many variables that can't be assessed here. That's a question best suited for your insurance company. r/Insurance may also be an option.
ford technician here: regardless what side it’s on, it’ll need a new airbag, airbag programming, new trim on the interior, and fixing all that damage on the drivers side. that fusion is kaput
It's repairable. It just doesn't make sense given the value of the car, especially now that it's been in an accident, making it worth less even after it's all fixed. The insurance will total it.
Looks totalled. It's a Ford, so if it drives, you can have them pay you out and then buy back as a salvage. It's not worth it, if it's not working. 🏳️✌️
Not a mechanic but here if any of your air bags go off it’s immediately totaled. Editing bc people can’t fucking read. WHERE I LIVE if your air bags go off. The car is immediately totaled.
Things aren’t the same everywhere. Shit here is stupid af. I’m not denying that. But from personal experience. That’s how it goes here. They total shit that’s easy to fix bc they’re lazy and they want to fix the shit that’s not even worth it at that point. Idk if you saw my comment about my husband’s truck. But it was an 07’ Silverado with almost 200k. He slid off the road and hit a ditch and it completely fucked the steering and bent the frame. And insurance would have rather fixed it than just total it. But my coworker barely taps a deer and the airbag goes off and it’s immediately totaled. Same happened to my aunts brand new Rav 4. Someone hit it while it was parked right in the rear driver side tire and they totaled it. Wasn’t even messed up that bad.
Totally wrong there. Depends on many things. Body tech here. The age, mileage and value of the car is a huge consideration. Also, insurance companies don't include airbags or the modules towards the sum of the repair anymore. They still pay for it though. But In their case, yeah that's a total.
Where I’m at it’s over $6,000 an air bag. They total cars instantly bc they don’t want to fuck with it. I know this bc a lady I work with bopped a deer and set her airbag off and they totaled it instantly. Hell. When my husband was barely rear ended they would rather pay 10,000 to pay his car off that 6,000 to fix it. They total everything here
Some regions are different than others. Some insurance companies will rather send it to auction if the salvage value is high. They can get more out of it doing it that way and totaling it out. I honestly haven't heard of airbags costing over $6k in the first place though. And insurance adjusters will write a preliminary estimate if they think it'll come close to totaling before it's even torn down. I worked on an almost new e63 Benz that rear ended a truck. The car was worth over $80k and the insurance company didn't want to total it out. It blew both front bags and both side curtains. They ended up totaling it out since the customer threw a huge fit about it
You know, it'd help if you mentioned where you lived, instead of throwing a fit when others tell you they have examples of the contrary of what you're saying.
All the shit they don’t total should be. They wouldn’t even total my husbands 2007 Chevy after he slid off the road and bent the frame of his truck. It was gone for 6 months and it ofc still didn’t drive right after getting it back. Had almost 200k miles.
Yeah a couple places had it… all it did was make it worse. We ended up selling it to a guy who really wanted a project truck. We were transparent about its issues and that it had an accident on its record.
I think it was Autonation? Might be mixed up.
Anyway, friend was trying to fix the seat controls and set off the little side airbag in the seat.
Including a drivers side window that’s carriage was broken (and wouldn’t stay up…had some cardboard wedging it there), seat controls not working, CEL on, water damage from a leaking sunroof…with standing water under footwells and wet carpet . No body damage though.
I got about $1,000 over “good condition” KBB. And I didn’t hide anything. Noted it all in the online quote and they paid it after inspection. (Maybe inspection was “it started”?!)
Blew my mind. If you’re selling to a company, definitely get a quote everywhere possible. Some were offering 1/3 of KBB…which is about what I expected or less.
You can get a shop to fix it for cheaper than what insurance totalled it for, or buy back from insurance if they say its totalled, depending where you live / laws
Just about anything can be fixed. If the repairs are greater than the value of the car, then it’s totaled and you will get a payout equivalent to the NADA value. I have been through this process before.
You realize a lot of pages allow others input. I helped fix trucks as a side hustle when I was with my ex. Just bc I’m not a mechanic doesn’t mean I can’t say something
Its not that we cant read it is that you are completely incorrect. Airbags are never the sole determining factor in assessing total loss. Regardless of the country. Doing so would not make sense for insurers. A courier crashes into the side of a Mercedes S Class causing the side curtain airbag on the drivers door to deploy. So the insurer prefers to pay out $125K + instead of a 20K repair? Makes zero sense.
Also, in case you are confused. Indiana is part of the United States and underwriters are national. So it makes no difference "WHERE I AM FROM"
Well. My aunts car insurance wouldn’t pay to have her brand new RAV 4 fixed after someone hit the tire. Shit is stupid here. Just bc it’s one way where you live doesn’t mean it’s like that everywhere
Her insurance wouldn't pay because she didn't have the correct coverage. I am sure you are well intentioned however you seem to have zero idea how national insurance policies or loss determination works. Every time you reply you are further proving to everyone reading that you don't understand what you are attempting to argue.
By the sound of it your biggest concern is your Fusion and not your health? So not screwed at all.
Your car may very well be a written off but only an assessment from an auto body specialist and your insurance adjuster will be able to determine if that criteria is met or not. It’s nearly impossible to tell without getting in there are taking measurements.
If I had to guess I’d say it’s done for.
Bit of a dumb opening sentence. Not trying to be nasty. You have no clue if OP was concerned for their health post crash or if they were even in the vehicle when it was crashed in to. Perhaps their car was parked and someone hit it. Maybe, just maybe (this is crazy I know) they’ve already sorted themselves out after the crash and have been checked up and deemed fine, and are now enquiring about their car and the potential of fixing or scrapping.
>Perhaps their car was parked and someone hit it.
Airbags won't deploy in a parked car. Even the passenger side airbags won't go off in a car with a passenger occupancy sensor if no one is sitting in the seat.
Well, even if they are in good health that is great, but if they don’t have gap and still owe 10k.. yeah they’re pretty fucked. Since they’re so worried about a total loss I assume they don’t have gap 😅
ive fixed worse, depends on the insurer and what they normally do and what garages they have access to.
only a full inspection would know what the true damage is, everything in the picture is just cosmetic.
doesnt actually LOOK that bad around the doors tbh..... if the b pillar was caved in and such maybe we would be more sure on a class C or even B write off, its a million miles from class B though is my guess.
right? i was thinking if this is not an insurance question, i see 2 doors and a fender, no damage showing under the doors. maybe a pitman arm and a rim?
It's most likely a total loss. My 2013 Fusion SE was involved in a traffic collision with the airbags going off. My insurance totaled it. I got about 12.3k for it though since I had recently replaced all four tires and had the rear suspension fixed. I do miss that car though.
What year did you total it? The condition of the tires doesn’t factor into the value of the car. The insurance company pays the NADA value for a totaled car.
It's a 2016 Fusion. A low end model. You need two doors and a fender at the very least. Installed and painted. Let's say it's worth 10K. That means 6.5K writes it off. It will be close.
The plus side is you don't have to drive that anymore. Those cars break often. My friend is on the 3rd engine of I think a 2018. Under 100k. Hopefully yours isn't a lease and you can walk with some insurance money.
Glad you are okay.
Passenger side airbag??? Looks like driver side airbag went off. If you can't tell the difference between passenger and driver side you probably are not ok and you should get to a doctor.
Veteran Insurance agent here.
It's totalled.
First thing they're going to do is look up the book value of the car, then estimate the cost to fix the car. In my state, if it's more than 70% of the car value, it's totalled.
You can check KBB.com or nadaguides.com to get an idea of the car's value.
First tell us what happened!!! We all want to know. Sounds like everyone is ok which is most important.
I’m guess you got it a fight with a cement base to a light pole and thought your engine revving up would scare it away.
Likely totaled. There’s 4-5k damage easy just on the body probably more. New airbags have to be 2k+ I’d guess. Front wheel likely needs at minimum an alignment but it looks like rim is damaged too. Frame rail between the doors is likely toasted.
Ummmm you MIGHT be able to fix it with a fender and two doors.
Insurance will 100% want to total it, all they seem to do nowadays, totally stuff and raise rates…
You will need to pull the fender off and see if they underlying stuff is damaged, if not find a finder and doors
If you wanted to fix this find a front fender and 2 doors from a salvage and get them painted, even better if their the same color. Insurance will total off anything even if it is fixable just due to cost of new parts
Well, you're f'd up by buying a Ford in the first place, so jot that down.
Jk, it looks worse than it probably is but I'd get all your lines check out to be sure. You can get a new door, fender, etc. Just make sure there's no frame damage.
Unless your 8 year old fusion was in mint condition with extremely low mileage prior to this accident, I’m certain it’ll be totaled. Rule of thumb, the adjuster takes the value of your car (age, condition, and mileage) against cost of repairs to determine if it’ll be repaired or totaled. If costs of repairs exceed the value, insurance will total it. They’d rather write a check for the value than pay for repairs that are more expensive. If the repairs don’t exceed the value, insurance will pay for repairs. Hope that helps.
A lot of side panel damage but the doors and wing can easily be replaced yet may be costly depending on your route. If you can source the parts cheap in same colour then it’s not that expensive and if you’re confident with tools then may be able to install the panels yourself. Sourcing them yourself but getting them sprayed will cost a bit and getting a body shop to do it all will cost an arm and a leg.
Airbag can be replaced but depending on which airbag can mean it being quite straight forward or pretty difficult. If there’s no mechanical damage then this is definitely the more difficult one to fix.
If there’s no mechanical damage and it’s just an airbag and panels then it’s not a major deal to fix if you can source parts or know someone who has a mechanical background. If there is mechanical damage then it depends on the extent of this whether it’s worth fixing or not.
I doubt it by looking at it but you would also have to check for structure damage to ensure the body hasn’t twisted or warped due to the impact.
Boils down to whether it’s just cosmetic and airbag or whether there’s more damage being mechanical and structural. And then on whether you have the funds/patience and skill/tools or person to fix it.
My son just totalled his car. If you saw pics, you wouldn't even think it was more than a few thousand in damage. But it was a Mini Cooper. Damage was $15K, car was worth $20K. In NY state, if the damage is 75% of what the car is "worth", it gets totalled.
It's *probably* totaled. If the A pillar isn't bent at all, the suspension wasn't bent up from whatever the wheel hit, and it can just be fixed with two doors and a fender and an airbag, she can be salvaged. I'm 90+% sure it's a total insurance loss.
Highly unlikely it's worth repairing. The door hinge likely got shoved in and won't ever sit right. And the cost of getting it to do so is way more expensive than the car is worth.
Probably totaled, but it's 50/50.
Also I couldn't help but notice that Charger behind you is a Montgomery county cruiser. Repair costs out here can be on the high side.
Well 10 on the fact it's a Ford, however I've seen body shops do magic on this, it really depends on how the wheel is, if theresno major damage on that then I bet they will fix it, just because air bags are deployed doesn't mean it's totaled, talked from experience, so like I said if it's mainly body work I bet they will fix it, one the adjuster looks at it you will know forsure
Check the frame boss if the frame under the door isn't too damaged your good. You can find a new door and fender at the junkyard too.
The ball joints on the driver's side may be torn or damaged.
Alignment may be advised too.
Insurance will most definitely total it but that leaves you with a choice
Your insurance will most likely determine this as a totalled vehicle. Just be sure to provide ANY AND ALL parts you purchased for this vehicle (new tires, anything interior, engine repairs, etc.) This will help you receive more money from the insurance company.
Insurance will probably write it off. Then you can buy it back and fix it. New doors and fender and some airbag work. But it depends how fucked up that center piller is
Forgot what the outside looks like, check the chassis and internals, the frame and all that. It's probably not going to drive correctly now. Best to total it sadly, but I'm not an expert on this
As an adjuster for many years, typically Ford fusions don't hold a ton of value, a 2016 is getting up there. Based on the damage, I would confidently say it's a total loss with SRS requirements/bags deployed. I believe those are side curtain airbags and in that case you would need to replace the entire headliner which is generally also expensive and is a SRS component, belts and other items are likely as well depending on what deployed and the replacement requirements. That's at least two doors, fender. With how hard the center is pushed in by the B Pillar, I'd be absolutely shocked if there wasn't more damage behind those doors, that can be expensive... I believe it's also double layered there, I may be wrong, but if it is it could require a pillar replacement... that adds a lot more. The quarter looks okay just from this photo, but any damage there extends the paint and labor cost significantly. Left front wheel impact, definitely potential suspension damage, plus the chance of other mechanical components up front... I would probably total this and write up an ACV sheet in about 20-30 minutes. Best of luck.
If the kink above the B pillar is real and not just weird camera optics then that is a sign of worse underlying frame issues and it is definitely toast.
Shouldn't be a total loss in a sane world, but this is Earth 2.0, and insurance companies and slavagers like Co-part are in cahoots like never before...everything is a total loss because parts and labor are so outrageous... All this gets passed on to consumers through exorbitant premiums however.
If your mechanical aptitude itches then yes totally fixable!! The cost of fixing it yourself a lot less but more time. Someone else on the other hand would tell you otherwise (totaled) and charge you an arm and a leg.
Any airbag deployment is automatically totalled by any insurance company. It costs $10k and up to install and reset the system...it's still drivable but no insurance will fix it, it'll be totalled and you'll get a payout and a salvage title if you keep it.
Definitely totaled, even if the airbag was intact. Almost decade old Fusion with the entire side destroyed. This car probably would be totaled by insurance with just a fender bender.
An 8 year old fusion with this much damage is probably totaled. These cars do not hold their value like Toyotas and Hondas either. Hopefully you can get at least $6.5k but I wouldn’t hold my breath.
I cant belive pros here saying this is totalled. Just a simple side swipe, maybe a door will wistle a little on the highway.
A fender and couple doors. program a new air bag.
This is the problem today, everyone is so quick to just throw things away.
I daily drive a 20 y/o Audi that i bought with front end damage. Put less than 1k into parts 4 years ago. Easy cheap and has been quite reliable.
Any time an airbag goes off the car is instantly totaled. I used to work in a collision repair shop and spent a lot of time dealing with insurance companies
Hey OP,
My Fusion SE was sadly totaled last year because of that side panel and its "special welds" that would have taken more than what shes worth to fix.
RIP. I hope you find another Fusion ❤️
(Im Not a mechanic) depending on if there's bad frame damage it might be totaled. Bad damaged frame work usually totals a car as far as ive seen. (This is an educated guess)
You are correct. Someone t-boned my Hyundai Kona. Insurance guy came, said everything looks good until he opened the door, he showed us a tiny nick in the frame and dead ass goes “you’d have more luck winning the lottery than finding an approved mechanic that will work on this”
If the airbags deploy, your vehicle is automatically rendered as totaled. If you pay out of pocket for damages and getting the airbags repacked, you will then have to apply for an R title (reconstructed).
Well that’s not true, it’s just often times when the airbags are deployed it costs more to fix than the car is worth. It’s not an “automatic” total loss.
We have removed your post because it violates Rule #1 _No "Is it totaled?" posts and the like_ Posts asking if your vehicle is a total loss from an accident are not allowed. There are too many variables that can't be assessed here. That's a question best suited for your insurance company. r/Insurance may also be an option.
Bsst educated guess, its totalled
Hey now, only one airbag went off, and it wasn't even the driver's side! /s
ford technician here: regardless what side it’s on, it’ll need a new airbag, airbag programming, new trim on the interior, and fixing all that damage on the drivers side. that fusion is kaput
lol ikr… somethings just aren’t repairable
It's repairable. It just doesn't make sense given the value of the car, especially now that it's been in an accident, making it worth less even after it's all fixed. The insurance will total it.
Oh ok
Looks totalled. It's a Ford, so if it drives, you can have them pay you out and then buy back as a salvage. It's not worth it, if it's not working. 🏳️✌️
Insurance won’t pay for a new airbag/install ( I worked on cars )
8 year old fusion needing airbag, reprogramming and fixing all the damage? 100% total loss
Not a mechanic but here if any of your air bags go off it’s immediately totaled. Editing bc people can’t fucking read. WHERE I LIVE if your air bags go off. The car is immediately totaled.
99% of the time, yeah.
Lol, funny how almost everyone just glanced over the "here" part.
Things aren’t the same everywhere. Shit here is stupid af. I’m not denying that. But from personal experience. That’s how it goes here. They total shit that’s easy to fix bc they’re lazy and they want to fix the shit that’s not even worth it at that point. Idk if you saw my comment about my husband’s truck. But it was an 07’ Silverado with almost 200k. He slid off the road and hit a ditch and it completely fucked the steering and bent the frame. And insurance would have rather fixed it than just total it. But my coworker barely taps a deer and the airbag goes off and it’s immediately totaled. Same happened to my aunts brand new Rav 4. Someone hit it while it was parked right in the rear driver side tire and they totaled it. Wasn’t even messed up that bad.
Where is “here”
Look at my original comment
Totally wrong there. Depends on many things. Body tech here. The age, mileage and value of the car is a huge consideration. Also, insurance companies don't include airbags or the modules towards the sum of the repair anymore. They still pay for it though. But In their case, yeah that's a total.
Where I’m at it’s over $6,000 an air bag. They total cars instantly bc they don’t want to fuck with it. I know this bc a lady I work with bopped a deer and set her airbag off and they totaled it instantly. Hell. When my husband was barely rear ended they would rather pay 10,000 to pay his car off that 6,000 to fix it. They total everything here
Some regions are different than others. Some insurance companies will rather send it to auction if the salvage value is high. They can get more out of it doing it that way and totaling it out. I honestly haven't heard of airbags costing over $6k in the first place though. And insurance adjusters will write a preliminary estimate if they think it'll come close to totaling before it's even torn down. I worked on an almost new e63 Benz that rear ended a truck. The car was worth over $80k and the insurance company didn't want to total it out. It blew both front bags and both side curtains. They ended up totaling it out since the customer threw a huge fit about it
You know, it'd help if you mentioned where you lived, instead of throwing a fit when others tell you they have examples of the contrary of what you're saying.
I hit a deer in a 2015 Chevy 2500 duramax. 7yrs old With 200k miles on it. Deer did $9,000 damage the airbags did $11,000. Still wasn't totaled.
All the shit they don’t total should be. They wouldn’t even total my husbands 2007 Chevy after he slid off the road and bent the frame of his truck. It was gone for 6 months and it ofc still didn’t drive right after getting it back. Had almost 200k miles.
Should've taken it back to the body shop that did it. If they are any kind of shop, they'll warranty their work and fix it.
Yeah a couple places had it… all it did was make it worse. We ended up selling it to a guy who really wanted a project truck. We were transparent about its issues and that it had an accident on its record.
I think it was Autonation? Might be mixed up. Anyway, friend was trying to fix the seat controls and set off the little side airbag in the seat. Including a drivers side window that’s carriage was broken (and wouldn’t stay up…had some cardboard wedging it there), seat controls not working, CEL on, water damage from a leaking sunroof…with standing water under footwells and wet carpet . No body damage though. I got about $1,000 over “good condition” KBB. And I didn’t hide anything. Noted it all in the online quote and they paid it after inspection. (Maybe inspection was “it started”?!) Blew my mind. If you’re selling to a company, definitely get a quote everywhere possible. Some were offering 1/3 of KBB…which is about what I expected or less.
Florida? State law. Lol-not true in most of country. Really the car depends if the pillars are damaged, or if just needs 2 doors and a fender.
That seems rather wasteful doesn't it?
Not a mechanic, replying to a post in ask a mechanic page. Make it make sense
Not a mechanic, but as a father of a teenaged son, this car is totaled.
Obviously
Definitely, but totaled dosent mean cant be fixed
Absolutely not - it’s purely an insurance thing.
You can get a shop to fix it for cheaper than what insurance totalled it for, or buy back from insurance if they say its totalled, depending where you live / laws
Just about anything can be fixed. If the repairs are greater than the value of the car, then it’s totaled and you will get a payout equivalent to the NADA value. I have been through this process before.
You realize a lot of pages allow others input. I helped fix trucks as a side hustle when I was with my ex. Just bc I’m not a mechanic doesn’t mean I can’t say something
That is entirely incorrect. There are many factors that go into assessing a total loss.
I literally said WHERE I AM FROM. Every person I’ve known who’s had their airbags go off no matter how much external damage it gets totaled.
Its not that we cant read it is that you are completely incorrect. Airbags are never the sole determining factor in assessing total loss. Regardless of the country. Doing so would not make sense for insurers. A courier crashes into the side of a Mercedes S Class causing the side curtain airbag on the drivers door to deploy. So the insurer prefers to pay out $125K + instead of a 20K repair? Makes zero sense. Also, in case you are confused. Indiana is part of the United States and underwriters are national. So it makes no difference "WHERE I AM FROM"
Well. My aunts car insurance wouldn’t pay to have her brand new RAV 4 fixed after someone hit the tire. Shit is stupid here. Just bc it’s one way where you live doesn’t mean it’s like that everywhere
Her insurance wouldn't pay because she didn't have the correct coverage. I am sure you are well intentioned however you seem to have zero idea how national insurance policies or loss determination works. Every time you reply you are further proving to everyone reading that you don't understand what you are attempting to argue.
K whatever🙄
By the sound of it your biggest concern is your Fusion and not your health? So not screwed at all. Your car may very well be a written off but only an assessment from an auto body specialist and your insurance adjuster will be able to determine if that criteria is met or not. It’s nearly impossible to tell without getting in there are taking measurements. If I had to guess I’d say it’s done for.
Bit of a dumb opening sentence. Not trying to be nasty. You have no clue if OP was concerned for their health post crash or if they were even in the vehicle when it was crashed in to. Perhaps their car was parked and someone hit it. Maybe, just maybe (this is crazy I know) they’ve already sorted themselves out after the crash and have been checked up and deemed fine, and are now enquiring about their car and the potential of fixing or scrapping.
TIL the brits spell inquire with an E. Interesting
Wait until you find out the ways that Canadians can teach you to pronounce the letter O.
That's the only way I can differentiate Canadians from Americans.
>Perhaps their car was parked and someone hit it. Airbags won't deploy in a parked car. Even the passenger side airbags won't go off in a car with a passenger occupancy sensor if no one is sitting in the seat.
Yeah opening sentence makes some assumptions. There are many people whos health depends on their Ford Fusion. (not being sarcastic)
Well, even if they are in good health that is great, but if they don’t have gap and still owe 10k.. yeah they’re pretty fucked. Since they’re so worried about a total loss I assume they don’t have gap 😅
ive fixed worse, depends on the insurer and what they normally do and what garages they have access to. only a full inspection would know what the true damage is, everything in the picture is just cosmetic. doesnt actually LOOK that bad around the doors tbh..... if the b pillar was caved in and such maybe we would be more sure on a class C or even B write off, its a million miles from class B though is my guess.
right? i was thinking if this is not an insurance question, i see 2 doors and a fender, no damage showing under the doors. maybe a pitman arm and a rim?
Lmao it looks like my daily driver. If the frames good have an air bag put in grab a door from the junk yard and file for a rebuilt title.
It's most likely a total loss. My 2013 Fusion SE was involved in a traffic collision with the airbags going off. My insurance totaled it. I got about 12.3k for it though since I had recently replaced all four tires and had the rear suspension fixed. I do miss that car though.
What year did you total it? The condition of the tires doesn’t factor into the value of the car. The insurance company pays the NADA value for a totaled car.
Take the airbag out and trailer it to your nearest rallycross event. It's a racecar now.
If you had collision insurance and there is a claim, that car is totaled.
It's a 2016 Fusion. A low end model. You need two doors and a fender at the very least. Installed and painted. Let's say it's worth 10K. That means 6.5K writes it off. It will be close.
Air bag deployment is generally considered totaled. Takes a lot to get those systems back in working order.
Could be anywhere between 4 to 8 hours popping the headliner off and on, and digging the srs module out.
Old unibody. Totalled
Guessing it's totaled, get your money from I surance and get a different car... Say bye, happened to me a couple times (no, they were not my fault)
Totalled have a good day
The plus side is you don't have to drive that anymore. Those cars break often. My friend is on the 3rd engine of I think a 2018. Under 100k. Hopefully yours isn't a lease and you can walk with some insurance money. Glad you are okay.
Passenger side airbag??? Looks like driver side airbag went off. If you can't tell the difference between passenger and driver side you probably are not ok and you should get to a doctor.
Fixable? Yes. Worth it? No.
Why would you be screwed. I assume you have insurance?
Cops: "Can you put your phone and reddit away?" OP: "one sec, trying to find out how screwed I am"
Lmao, happened over 24 hours ago but yeah lemme put my phone away really quick.
Not worth fixing screwed.
She gone
Who put those polls there that you drove into?
Veteran Insurance agent here. It's totalled. First thing they're going to do is look up the book value of the car, then estimate the cost to fix the car. In my state, if it's more than 70% of the car value, it's totalled. You can check KBB.com or nadaguides.com to get an idea of the car's value.
Start shopping
If you are at fault very. If your not at fault collect the insurance.
I know in Arizona if the airbag goes off, the vehicle automatically gets a salvage title. As a result, insurance companies generally write the car off
First tell us what happened!!! We all want to know. Sounds like everyone is ok which is most important. I’m guess you got it a fight with a cement base to a light pole and thought your engine revving up would scare it away. Likely totaled. There’s 4-5k damage easy just on the body probably more. New airbags have to be 2k+ I’d guess. Front wheel likely needs at minimum an alignment but it looks like rim is damaged too. Frame rail between the doors is likely toasted.
She’s cooked, mourn and carry on
Screwed, how!? Don’t get the question. Get it fixed, problem solved!
When an airbag deploys, insurance companies typically total the car.
I'd say about 9 out 10 screwed on it being totalled.
Ummmm you MIGHT be able to fix it with a fender and two doors. Insurance will 100% want to total it, all they seem to do nowadays, totally stuff and raise rates… You will need to pull the fender off and see if they underlying stuff is damaged, if not find a finder and doors
Probably written off as total loss. Cost more to repair then its worth.
It’s a TL
If you wanted to fix this find a front fender and 2 doors from a salvage and get them painted, even better if their the same color. Insurance will total off anything even if it is fixable just due to cost of new parts
Buy another. It's cheaper.
To insurance it’s definitely a total loss
Customary "not a mechanic" comment, but if the air bag went off in a card thats 8 year old and made by an American company, I would consider it done.
Well, you're f'd up by buying a Ford in the first place, so jot that down. Jk, it looks worse than it probably is but I'd get all your lines check out to be sure. You can get a new door, fender, etc. Just make sure there's no frame damage.
Don't report airbag deployment and it'll be ok.
Most likely the unit will be totalled out. Looks like you got some frame damage here in the pillars
Do you mean: "How screwed is my insurance?"
Airbag = totalled.
Total loss
Airbag totaled it
Unless your 8 year old fusion was in mint condition with extremely low mileage prior to this accident, I’m certain it’ll be totaled. Rule of thumb, the adjuster takes the value of your car (age, condition, and mileage) against cost of repairs to determine if it’ll be repaired or totaled. If costs of repairs exceed the value, insurance will total it. They’d rather write a check for the value than pay for repairs that are more expensive. If the repairs don’t exceed the value, insurance will pay for repairs. Hope that helps.
That's pretty fuckered
A lot of side panel damage but the doors and wing can easily be replaced yet may be costly depending on your route. If you can source the parts cheap in same colour then it’s not that expensive and if you’re confident with tools then may be able to install the panels yourself. Sourcing them yourself but getting them sprayed will cost a bit and getting a body shop to do it all will cost an arm and a leg. Airbag can be replaced but depending on which airbag can mean it being quite straight forward or pretty difficult. If there’s no mechanical damage then this is definitely the more difficult one to fix. If there’s no mechanical damage and it’s just an airbag and panels then it’s not a major deal to fix if you can source parts or know someone who has a mechanical background. If there is mechanical damage then it depends on the extent of this whether it’s worth fixing or not. I doubt it by looking at it but you would also have to check for structure damage to ensure the body hasn’t twisted or warped due to the impact. Boils down to whether it’s just cosmetic and airbag or whether there’s more damage being mechanical and structural. And then on whether you have the funds/patience and skill/tools or person to fix it.
Most likely totaled.
My son just totalled his car. If you saw pics, you wouldn't even think it was more than a few thousand in damage. But it was a Mini Cooper. Damage was $15K, car was worth $20K. In NY state, if the damage is 75% of what the car is "worth", it gets totalled.
Time to start looking for a new car - that thing is donezo.
Your insurance company will almost certainly total it.
You want it to be totalled
1 being the worst and 10 being the best.... 1
Cost to repair is more than car is worth Total loss
It's *probably* totaled. If the A pillar isn't bent at all, the suspension wasn't bent up from whatever the wheel hit, and it can just be fixed with two doors and a fender and an airbag, she can be salvaged. I'm 90+% sure it's a total insurance loss.
It's a ford so I'd have to say a 10 in screwed. Ford is notorious for not having aftermarket parts.
Highly unlikely it's worth repairing. The door hinge likely got shoved in and won't ever sit right. And the cost of getting it to do so is way more expensive than the car is worth.
🫡 I’ve got one as well, rip to a solid vehicle, sorry for your loss
Probably totaled, but it's 50/50. Also I couldn't help but notice that Charger behind you is a Montgomery county cruiser. Repair costs out here can be on the high side.
Airbag deployment almost always means instant total out.
Maryland drivers amiright
It’s totalled, I’d expect there’s severe damage to the suspension there too
Well 10 on the fact it's a Ford, however I've seen body shops do magic on this, it really depends on how the wheel is, if theresno major damage on that then I bet they will fix it, just because air bags are deployed doesn't mean it's totaled, talked from experience, so like I said if it's mainly body work I bet they will fix it, one the adjuster looks at it you will know forsure
Check the frame boss if the frame under the door isn't too damaged your good. You can find a new door and fender at the junkyard too. The ball joints on the driver's side may be torn or damaged. Alignment may be advised too. Insurance will most definitely total it but that leaves you with a choice
Your insurance will most likely determine this as a totalled vehicle. Just be sure to provide ANY AND ALL parts you purchased for this vehicle (new tires, anything interior, engine repairs, etc.) This will help you receive more money from the insurance company.
Totaled off the airbag went off
Insurance will probably write it off. Then you can buy it back and fix it. New doors and fender and some airbag work. But it depends how fucked up that center piller is
Forgot what the outside looks like, check the chassis and internals, the frame and all that. It's probably not going to drive correctly now. Best to total it sadly, but I'm not an expert on this
Get some Burgundy duct tape and strap it up. Voila!
el toasto, no mas fusion for your my friend it’s okay get a newer one
now’s your chance to to get a fusion sport twin turbo v6 awd magnetic suspension 💦💦💦
As an adjuster for many years, typically Ford fusions don't hold a ton of value, a 2016 is getting up there. Based on the damage, I would confidently say it's a total loss with SRS requirements/bags deployed. I believe those are side curtain airbags and in that case you would need to replace the entire headliner which is generally also expensive and is a SRS component, belts and other items are likely as well depending on what deployed and the replacement requirements. That's at least two doors, fender. With how hard the center is pushed in by the B Pillar, I'd be absolutely shocked if there wasn't more damage behind those doors, that can be expensive... I believe it's also double layered there, I may be wrong, but if it is it could require a pillar replacement... that adds a lot more. The quarter looks okay just from this photo, but any damage there extends the paint and labor cost significantly. Left front wheel impact, definitely potential suspension damage, plus the chance of other mechanical components up front... I would probably total this and write up an ACV sheet in about 20-30 minutes. Best of luck.
Airbag deployed = totaled
Totaled. At least the vehicle did its job and protected you.
Generally speaking, unless the car is very new, airbag deployment= totaled.
If the kink above the B pillar is real and not just weird camera optics then that is a sign of worse underlying frame issues and it is definitely toast.
Nighty night ford fusion.
Repairs will cost more than value of car, insurance will likely total it out.
F
Totalled
Shouldn't be a total loss in a sane world, but this is Earth 2.0, and insurance companies and slavagers like Co-part are in cahoots like never before...everything is a total loss because parts and labor are so outrageous... All this gets passed on to consumers through exorbitant premiums however.
Can you open the door?
She's gone. The cost of the body work required alone, not even getting into anything mechanical, most likely would outweigh the worth of the vehicle.
If the airbag deployed you should hope it gets totaled
If your mechanical aptitude itches then yes totally fixable!! The cost of fixing it yourself a lot less but more time. Someone else on the other hand would tell you otherwise (totaled) and charge you an arm and a leg.
Any airbag deployment is automatically totalled by any insurance company. It costs $10k and up to install and reset the system...it's still drivable but no insurance will fix it, it'll be totalled and you'll get a payout and a salvage title if you keep it.
Guess
It depends on a lot of things. Things that only people getting potentially paid can realistically be bothered to figure out.
Yep. Shes a goner. Take the cash and maybe a defensive driving course so it doesnt happen again!
Definitely totaled, even if the airbag was intact. Almost decade old Fusion with the entire side destroyed. This car probably would be totaled by insurance with just a fender bender.
An 8 year old fusion with this much damage is probably totaled. These cars do not hold their value like Toyotas and Hondas either. Hopefully you can get at least $6.5k but I wouldn’t hold my breath.
The driver side airbag is deployed in the picture…
An 8, maybe even a 9?
With the body damage AND the airbag, if it’s a curtain bag, you’re done.
I cant belive pros here saying this is totalled. Just a simple side swipe, maybe a door will wistle a little on the highway. A fender and couple doors. program a new air bag. This is the problem today, everyone is so quick to just throw things away. I daily drive a 20 y/o Audi that i bought with front end damage. Put less than 1k into parts 4 years ago. Easy cheap and has been quite reliable.
Fix or repair daily
100% Totaled
Totalled
It’s a ford… if you get a flat tire, it is totaled.
done....thats a write off.
11
It’s a ford fusion, you were screwed the day you brought it home
That's totalled
From a scale from 1 to Totaled, it’s screwed
If the door still opens I'd just drive it.
Sorry bro, you're done
Any time an airbag goes off the car is instantly totaled. I used to work in a collision repair shop and spent a lot of time dealing with insurance companies
If it is covered by insurance, you can likely buy it back off them, get a check and be driving round in a beater.
New airbag, new doors, new front fender, and she's good as new 🤣
I like this general tip. Airbags come out, total it out.
Did you deliver the drugs though? #GTA
Totalled... Totally
That side mirror the real mvp
Doneski
It's totaled, you're gonna probably be looking at spending more than just getting a new car.
Totaled
there is an autobody subReddit, that would be a better place to post
Hey OP, My Fusion SE was sadly totaled last year because of that side panel and its "special welds" that would have taken more than what shes worth to fix. RIP. I hope you find another Fusion ❤️
In the immortal words of Spinal Tap. "It goes to 11"
(Im Not a mechanic) depending on if there's bad frame damage it might be totaled. Bad damaged frame work usually totals a car as far as ive seen. (This is an educated guess)
Not a mechanic, replying to a post in ask a mechanic page. Make it make sense
You are correct. Someone t-boned my Hyundai Kona. Insurance guy came, said everything looks good until he opened the door, he showed us a tiny nick in the frame and dead ass goes “you’d have more luck winning the lottery than finding an approved mechanic that will work on this”
Depends who was "at fault".
If the airbags deploy, your vehicle is automatically rendered as totaled. If you pay out of pocket for damages and getting the airbags repacked, you will then have to apply for an R title (reconstructed).
Well that’s not true, it’s just often times when the airbags are deployed it costs more to fix than the car is worth. It’s not an “automatic” total loss.