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How do they actually decide when a car is “totaled”?

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Posts: 11
(@poetry172)
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I totally get the appeal of older cars for that reason—less tech, more wrenching. I mean,

“makes me wonder if buying an older car is actually easier in the long run.”
—I’ve had a ’78 Chevy that I could practically fix with duct tape and a hammer. But then again, finding parts can be a scavenger hunt, and you’re always one weird noise away from a weekend project. Do you think the hassle of hunting down old parts is worth the trade-off for simpler repairs?


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wildlife_aspen
Posts: 11
(@wildlife_aspen)
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“makes me wonder if buying an older car is actually easier in the long run.”

I hear you on the “fix it with duct tape and a hammer” vibe. My old ’85 Bronco was like that—if something rattled, I’d just pop the hood and usually figure it out with a socket set and some patience. But man, tracking down a replacement carburetor once took me three weeks and two states. For me, the hunt’s part of the fun, but I’ll admit, sometimes you just want to drive instead of wrench. It’s a toss-up—depends how much you like the chase, I guess.


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Posts: 9
(@kevinblizzard289)
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“sometimes you just want to drive instead of wrench”

That hits home. I’ve worked a few claims where someone’s classic ride got banged up, and the repair costs were all over the place—sometimes parts are unicorns, sometimes you get lucky. I’ve seen folks total out a car just because a single part was impossible to find or cost more than the car’s worth. It’s wild how “easier” really depends on your patience and what you’re willing to hunt for.


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Posts: 17
(@avadrive)
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sometimes parts are unicorns, sometimes you get lucky.

It’s kind of wild how much that swings things. I always thought “totaled” just meant the car was a crumpled mess, but it’s really just math—if the repairs cost more than the car’s value (or some percentage), insurance calls it quits. But when a door handle costs more than your monthly rent because it’s rare? That’s a different level of frustration. Makes me wonder how many classics are sitting in garages just waiting for that one impossible part...


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Posts: 6
(@mountaineer23)
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It’s honestly ridiculous sometimes. Had an old Saab once—needed a headlight, nothing fancy, just a headlight—and the insurance guy basically laughed because the part cost more than half the car’s value. Doesn’t matter if the rest of it runs like a champ, if the numbers don’t add up, they write it off. It’s not about the damage, it’s about the spreadsheet. Makes you think twice before getting attached to anything with “rare” in the description...


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