Do You Think My Car Will Get Written-off? MAZDA 3 2014 NEO, Tree Vs CAR

Had a mishap a few days ago but I luckily managed to get away without major injuries to myself, whiplash, concussion and a dislocated shoulder.

I swerved to avoid a front on collusion with a large kangaroo, but didn't see the tree next to the road. Not my brightest moment. I was only going 50km/h thankfully but crashed the car and some kind people helped me out.

I am a uni student so I have contact hours nearly 9-5, every week day for clinic and lectures.
I work 6 days of the week, so I rely on my car quiet heavily.

Car is a Mazda 3 Neo 2014 Automatic without the upgraded Audio system.
Front airbags went off, have nice bruising to my chest from it.

https://imgur.com/xbcfNTp

I am with Suncorp insurance and have made a claim. I'm in Cairns this changes things.
Car insured is around 15900. I think fixed value.

Only reason I hope it does is so I can move on quickly, I know with the crazy flooding, all parts and everything coming up this north has been delayed.

Do you think my car gets written off?

Poll Options

  • 4
    Repaired
  • 243
    Written-off

Comments

  • +1 vote

    Also I'm sorry for the poor grammar and writing in general, on a good dose of pain meds and not in the most clear mental state. Thank you in advanced.

  • +65 votes

    That'll buff right out

  • +10 votes

    Did the front airbags deploy? Can't tell from picture. If they did then car will be written off.

    Glad you are OK. Rule of thumb where I live is never swerve around wildlife. The trees always win.

    •  

      thanks, yeah they did.

      • +4 votes

        Collect your belongings and say your goodbyes then.

        •  

          Should start looking for a new car then?
          surely they would rather repair it then pay out nearly 14ishk after CTP and what not.
          granted I have little idea.

          • +4 votes

            @Allahazam: To replace the dashboard, front end repairs, possible engine or gearbox damage and potential structural damage you would be surprised what total cost is.

            What was your excess? They will deduct that from payout. Your policy will be terminated. Do you pay by the month? They will keep the car, claim remaining rego and flog it off to a wreckers.

    • +1 vote

      Usually when air bag pops out, it's a written off. :)

      • +1 vote

        Maybe usually, but not always true. On a low impact airbag deployed accident AAMI chose to repair the car rather than write off. The cost to repair was $7000 less than cost to write off and payout market value so really depends on how much damage there is as well as nature of that damage

    •  

      From looking at the picture, I'd be a bit worried if the bags didn't deploy!

  • +10 votes

    Yeah looks rooted sorry mate

  • +28 votes

    Here are my thoughts, in MS Paint form

    https://imgur.com/a/5Zr2Pd4

  • -2 votes

    Big crash for 50kmh. They'll check the onboard data/EDR. Are you sure it was 50?

    •  

      Wonder what happens if data shows it was greater than 50 in a 40 or 50 zone?

      • +2 votes

        nothing will happen, OP is already at fault (you're not supposed to swerve to avoid animals) that's what insurance is for, if it's your fault your insurance still covers it.

        •  

          Hang on, im not sure i agree with the logic of not swerving to avoid a collision just to claim insurance. OP is at fault unless she can claim that kangaroo is owned by someone else who was negligent anyway.

          Otherwise itll just be treated as an unavoidable accident.

          I am curious to know how this affects at fault no claims discount policies though where its techinically not at fault?

      • +6 votes

        Nothing. Speeding is a police issue.

        About the only time insurance won't pay is if you are DUI/drugs or unlicenced.

        That crash doesn't look excessive for 50kph. Cars are designed to crumple like alfoil.

        To the OP. She's stuffed. Start shopping.

        •  

          Yeah was definitely my fault. Its a suburban area, very close to a large nature reserve/ parl.

        •  

          About the only time insurance won't pay is if you are DUI/drugs or unlicenced.

          Yeah basically this. Or other illegal activity more than just garden variety speeding.

        •  

          or have a detectable vehicle in anyway. Balding tyres, illegal tint, bigger brakes, more power anything that isn't engineered and disclosed with the insurer.

  • +12 votes

    I swerved to avoid a front on collusion with a large kangaroo, but didn't see the tree next to the road.

    Don't swerve next time. Hitting an animal is safer for the occupants of the vehicle than hitting trees.

  • +37 votes

    Tree looks like it will be ok

  • +13 votes

    My god there are a lot of people crashing their cars on Ozbargain. No wonder my insurance premiums are so high.

  •  

    Suncorp are great. Do you have hire car with your policy? Whenenver we have had a claim, we always get a hirecar and it's easy.

  • +31 votes

    Probably cost you tree-fiddy

  • +1 vote

    Car is a write off. Even a quick gloss over of what is damaged will see that there is well over 50% replacement cost just in parts.

    Ok, so, got the story out of the way, go with that, insurance companies love it… but, what “really” happened? Urban area, raining, kangaroos are not really well known to just hang about in the pouring rain in residential areas in the middle of the road. No braking skid marks in the grass. Swerved to miss a kangaroo but didn’t bother to apply the brake? Looks like you just ran into the tree. Like you just weren’t looking and just drove into it.

    • +6 votes

      Damn, I live in North Queensland mate, near where I live is a nature reserve and a lot of free land. I saw the Kangaroo at the last moment and recall swerving, but don't recall anything after until I woke in the car, with some nice people helping me out. I was a bit distracted mentally just found out some sad news regarding my mothers hospitalisation. But 100% the accident was my fault, I just reacted instead of thinking.

      • +4 votes

        The most important thing is you are ok. It’s a bit lesson of why you have full insurance.

        Cars can be replaced, you can’t be…

        You’ll get a nice payout.

        Time to start looking for a new car. Also take a couple of sick days to recover properly.

      •  

        but don't recall anything after until I woke in the car, with some nice people helping me out.

        Wow how long were you out for you reckon?

    • -3 votes

      I was going to say something similar actually - it's also a surprisingly well-centered hit on the tree too, and seems much too major for the kind of small street/track the photo shows. But rainy + grass before the tree would explain lack of visible braking marks and not seeing the roo till the last second.

      • +5 votes

        You usually hit dead in the middle. Target fixation.

        The firm I work for does a lot of regional work and we cover well over 1 million kilometres per year in the bush. Our driving safe policy says don't swerve. It also says don't drive at dawn and dusk and other suggestions to not get into a situation with wildlife. We have a rule for everything.

        • -3 votes

          Without judging but I recall a time when my insurance valued my car at about 24k and I'd bought it for 13k.

          Guess what ran through my head after it has a few minor issues…. Mmm that tree looks good without causing too many injuries.

          Wisdom and hindsight, thank God I didn't bother. My pertinent comment though:

          You didn't miss. ;)

          • +3 votes

            @khomeini: Bought the car demo for 22k, after working most of my high school and first 2 years of uni. Needed a reliable car as I do placement in quite rural places, where if I got stranded could spell trouble.

            Last 6 month spent over 2.5k on the car, Rego Expired on the 28.01 just renewed it, spent 500 on a new start stop battery, 200 on having my wheels painted and a full major service in October last year, 400.

            I'm probably going to be left without a car and don't have hire car in my insurance, for 3-4wks, I have to hassle people for lifts to work and University everyday. Unfortunately Cairn's Public transport network is very unreliable, would be much different if I was in larger city. Uber and taxi's are expensive and it adds up quite quickly. I missed 4 days of work and university, so have to remediate that. Spent 2 days in hospital.

            After this accident, I am carless and injured. Overall a very horrendous experience and has definitely impacted my health. If I would have wanted to do this for the insurance could have driven south to Townsville to visit a friend and my car would have been written off from the floods. For me this whole experience just puts more financially and mental pressure on me.

            •  

              @Allahazam: Upvoted for honesty.

              Best of luck in your recovery.

              It should be a write-off but inspectors and then reports could take at least a couple of weeks to compile - depending on how urgent they view it. I'd ask them to expedite it if possible.

              I understand being without a car, it sucks. Rent a bomb may be another option.

              All the best.

            • +1 vote

              @Allahazam: Don't listen to the idiots on here. Glad you're not too injured and hope the insurance company are quick. Good luck

  • +6 votes

    MAZDA 3 2014 NEO Tree Vs CAR

    So what car is it?

  •  

    Looks like you can swap cars now?

  • +2 votes

    Tree jumped out of nowhere

  • +3 votes

    a front on collusion

    "NO COLLUSION! NO COLLUSION!"

    But seriously, glad you're okay, and yeah - if airbags deployed, generally that's a write off.

    • +1 vote

      How did you evaluate the trees financial situation from that photo?

      Jest because it's not flaunting its wealth doesn't mean it's poor!!!

    • +2 votes

      The kangaroo probably jumped into the road in the last minute like they do. I've hit one like this before, it literally jumped into the side of my car.

  •  

    Nice car. My car is from the year 2000.

  • +1 vote

    You may have won rounds one and two, but round tree was a knock out!

  •  

    Definitely will be written off , my wife did much less damage to my Mazda 3 with a tree and was written off .

  • +5 votes

    Tree will definitely be written off. Hopefully there is a branch nearby so it can walk in and make a claim.

  • -1 vote

    It should be OK unless the chassis is bent

    • +1 vote

      What chassis? Almost all modern cars are monocoque.

      That car probably could be repaired, but it won't be. It's definitely an economic write off - even if it's not deemed a stat write off (probably will be).

  • +2 votes

    Be aware that when they tell you the vehicle has been written off they will tell you the amount you are getting paid. If you have a market value policy then this amount is somewhat negotiable. Start doing some research now to try to determine what the vehicle is worth so that you can be informed when you discuss the value with them. If you feel what they are offering isn't a fair price you will need to be able to reference a few sales listing for similar cars that support your idea of what the price should be.

  • -3 votes

    50kph? lol yeah right

  •  

    The tree always wins. It will be a very expensive repair. Maybe written off but I'm not sure if getting another car is faster than having it repaired. Though I would rather have a write off personally.

    If it's a repair, you can take the car hire option if it's in your policy. But I doubt they will repair it. I had much lighter damage than you, and the repairer told me that to replace the grill and bumper in my car would have been 9000 plus labour. That's more than half the value of your car. Your damage will be way more than mine, so a very likely write off.

  • +4 votes

    How's the tree ?
    Your vehicle is definitely rooted

  • +8 votes

    To all the armchair experts claiming, they know what a 50km/h impact looks like (http://www.ancap.com.au/safety-ratings/mazda/3/8c1df2/images...) have a look at the significantly greater deformation in a 64km/h collision, to give yourselves a rough idea of what impact damage looks like. This collision also involved a tree/pole, the mechanism of impact is again increased, with a smaller surface area absorbing the impact.

    I think a lot of people forget when rubber necking past accidents that in the vast majority of cases brakes are applied and the actual impact speed is substantially less than that the vehicle was traveling. This gives an unrealistic impression of what a high or moderate speed accident actually looks like.

    To answer your question though $15900 is probably in the vicinity of repair costs. If I had to bet I'd probably go with write off though.

  •  

    Why do people swerve to avoid kangaroos. Just brake, if you hit it, too bad.
    Swerve and kill another driver, pedestrian or yourself seems like a bad idea just to save a kangaroo

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