Pony Down! Need Help!

[BtownPony]

Hello all -
I'm hoping I may be able to receive some form of help from anyone who may have ever been in my spot --
Last Thursday I spun my Mustang into a guardrail while avoiding another vehicle on the worst hill/corner in town. (Pretty good job, all things considered) --
Speed was not a factor, but after I had cheated to the right to avoid the car, I had to come hard left to get back on the pavement, in a laft-hand corner, and I had already started to lose the a**-end in the gravel on the side of the road.
Long story short; I was now going down a hill, hard left, now having lost the back-end, and swung (with a whole lotta momentum) intothe guardrail on the opposite side of the road. IOW, the passenger side took the hit. My major question;

My Mustang is a 1992, mint, with 27,000 original miles on it. Body, engine, wheels - everything was flawless until last Thursday. Now, obviously, the passenger side is beat to hell, but I truly believe the car can be "brought back". I don't know how to talk to insurance adjusters, and my worry, and what everyone is telling me, is that my insurance guy is gonna take one look at the car, one look at the fact that the Blue Book on a '92 Stang is less than $4k, and Total it, leaving me screwed with a car loan, and no chance of getting the car repaired.

Also, please excuse my ignorance when it comes to these matters -- I bought the Mustang from my neighbor in March and have kept it as meticulous as he and the original owner did, but am new to the game when it comes to owning a 13+ year old car that has been covered and garaged its whole life and has ridiculously low mileage. And worst of all -- I Love This Mustang.

Anyone oout there have any advice or thoughts they wouldn't mind sharing?
Again - Thank you in advance for any help you may be able to provide!

Much appreciation -
JMS
"jon.shisler@gmail.com"

[Rosco]

It all depends on alot of factors. I have wrecked two mustangs last year alone. My first was a 1991 White GT. I paid $5100 for the car. That was with already 78k on it. At that point I had owned it for two years, and put another 25k on it. The car was completely totaled. With my mileage, which they consider 12-13K a year for mileage, I was around 27k less then the miles that "should" have been on the car. All in all I recieved $5600 for the car itself. That is including the mileage I put on, and the condition of the tires, which I actually bought used. As long as the mileage is true, the tires are good, and the interior is in good shape, along with anything aftermarket that didn't come with the car that you have reciepts for, you will get good money for it if they total the car out. Also, don't forget that if the car is older then 8 years, if your insurance company totals the car out, there is no salvage title on it.

[Hozer 88GTConv]

On a different note, if it is sheet metal you need, you can get doors, bumpers, quarter panels, etc anywhere relatively inexpensively.
Anything else, www.50resto.com, will have it or tell you where to get it.
Good luck..

[smokedchevy]

Bummer man! Good luck. I hope everything goes well for you. What did your neighbor say?