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Discussion Starter #1 (Edited)
Well it looks like my Cobalt might have reached the end of the line due to my own stupidity.

I got it towed to an auto shop and am waiting to hear from them on estimates. Obviously it's just guesswork but how bad does it look to you guys? I'd guess it's probably totaled but I really have no experience with insurance companies and significant car repairs. First car and first wreck. Story below.





I rear ended an 05 Silverado 1500 that was sitting at a green light that had just turned. I had seen the light as red, was coasting and starting to brake. Saw the light turn green and traffic start to move, glanced quickly down at my phone with Google Maps open. Looked up again to see the back of the Silverado way closer than I anticipated as it hadn't even moved yet. I think the car in front of it was slow to get moving or something. Slammed on the brakes but was too late and ended up crunching myself into his tow hitch with speed at collision of maybe 10mph or less. I'm unsure of the exact speed but I didn't even really feel an impact, just the metal folding itself in to hitch. I briefly thought when I started braking I might have enough room to stop. I didn't.

KBB pegs my car (before wreck) at 2500 or so for a private party and under 2K for a trade in. I've got collision covered with a $250 deductible. Given the damage though I fear it's probably totaled. Radiator is bent and leaking. I pulled off both headlights before taking the picture as I had to go park it and they were dangling out. Hood is slightly crumpled on one edge and the front is about what you can see in the picture. You can see right where the hitch went through the plastic bumper.


The absolute best news though is that nobody involved was hurt at all, the Silverado was completely fine from a visual inspection, and the other two guys in the truck were very good to deal with and basically shrugged it off. They said they'll just forget about it and after I swapped info they were on their way.

*Apologies if this is in the wrong place or just "fluff". If it needs to be moved or deleted go right ahead. I just needed to vent.
 

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Did it pop the airbags? That is what will decide if it is written off.
 

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Discussion Starter #3
Did it pop the airbags? That is what will decide if it is written off.
Nope. I actually didn't even think of that until the truck's passenger mentioned it to me. Basically all of the force seems to have just concentrated at the hitch and punctured the car pretty hard in one spot. I'm glad I got on the brakes when I did. If I'd been going much faster they probably would have.
 

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I know it is apples and oranges, but my wife was hit in the front end of her 08 Subaru Outback and the damage was very much the same as this. Needed new headlights, bumper and cover, radiator support had to be fixed, needed a new radiator. Some minor body work. A few misc parts. Didn't seem like all that much in the end, but it ended up costing 7400$ to fix. Depending on what state you are in, the write off amount could be as little as 1875$ if your car is indeed valued at 2500$. New York totals out vehicles if repair costs exceed 75% of the cars value. Expect labor to cost half or more of the repair. That doesn't leave you with a whole lot of room for replacement parts. Hopefully the damage to your vehicle only looks worse than it really is. Maybe you really don't need a bunch of work done. Is your AC Condenser and or radiator damaged? (sorry. Re-read your post and saw that it was)

You could see if you could opt out of having the parts painted. That would save you quite a bit.
 

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Body work isn't cheap and chances are is that they'll probably total it unfortunately.. At least if they value the car at 2500
 

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Discussion Starter #6
I've pretty much accepted that I won't be driving it again. :( With what research and reading I've done it seems pretty unlikely it will be fixable without being a money pit.
 

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I would fix it if it was mine, but that's just me. Damage seems to be mostly cosmetic. Unless it is a high mileage car of course, then let it go! My 3 Cobalts were all wrecked worse than yours. My daughters have been driving the 07 for 6 years now, after I repaired it. The 2010 cost me $3000 to fix but only because I used all new parts and installed the sport bumper. It's been running fine for 2 years.



 

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Obviously, this is based on a couple pictures, but it looks like it only affected the crash beam, as far as structure goes...that's not hard to replace. Since the airbags didn't go off, I'd say go for it, as the load beams seem to still be straight.
 

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Aw man, I hate seeing a Cobalt bite the dust! I don't know what to tell you about whether or not it's worth it to fix it. The good news is that if your insurance does decide to total it, you could probably get another Cobalt and still have some money to spare!

Glad to hear no one was hurt.
 
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