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Head-on collision with motorcycle

1340 Views 16 Replies 13 Participants Last post by  CrzRani
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A motorcyclist, traveling in the opposite lane of us lost control of his bike and hit me head-on going about 60mph or so. I was going about 20mph at the time. The cyclist partially came through our windshield.

I broke my wrist, but was wearing my seat belt, the Passport's collision avoidance braking kicked in and two airbags deployed. Our Passport did its job and kept us safe. We were able to walk away. The fate of the cyclist we hit is unknown...

I HAVE A QUESTION FOR THE HIVE MIND - I suspect that the '19 Passport Sport AWD is totaled, but with the exorbitant costs these days, I anticipate getting f*cked by the insurance company. Surely, they wouldn't try to repair this, correct?

Here's the damage that I can see:

  • Total front end damage including: bumpers, headlights, grill, hood, foglights, windshield and collision avoidance camera array, wiper blade arms somehow got mangled
  • Engine compartment: the whole radiator and associated fan and belt assembly - radiator is pushed back into the engine (although the engine still starts)
  • The metal crossbar behind the plastic bumper assembly is totally mangled - pushed in at least 5 inches
  • Lots of damage in the cabin from loose items in the car taking flight: both the turn signal and wiper control arms are smashed and bent (courtesy of my wrists and hands, the climate control unit in the dash got smashed, also the center console, facing the rear passenger compartment was totally shattered.

Am I just being paranoid about the insurance, or are they crazy enough to try to fix the external damage?

What about all of the things we can't see? The motor mounts, frame damage, broken sensor arrays, etc. etc.
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I attended to him on scene for 10 mins before anyone arrived, so I did all I could for him ...also I'm not a christian, so prayer is not in my wheelhouse...He's in the medical professional's hands now...

I have to deal with the aftermath, which after dealing with my broken wrist and other injuries includes dealing with insurance....

So, back to my question, this thing is totaled right?
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Yes, I hope the young man recovers too, no animosity toward him at all... the whole thing was as horrific as you might think ... He has minimum coverage insurance. Also, it wasn't his bike.... so the adjuster has effectively told me to go to my insurance company. Without going down the rabbit hole too much, the bar of 75% the cost of the vehicle is based on what? KBB/Nada which would be $23k. Or is it based on more subjective costs like retail, which would be more like $27k.... I'm not sure I have $20k in damage.... I suspect I'll end up upside down financially to the tune after all is said and done. However, I can't imagine the long term issues this vehicle would have after that kind of crash.
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