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Questions About Auto Insurance & Accidents

4422 messages,  Last post on Dec 04, 2009 at 6:46 PM

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#4328 of 4422 Re: Mazda Protege- repair vs total loss [euphonium] by wlbrown9 Aug 07, 2009 (7:24 am)
Replying to: euphonium (Aug 06, 2009 7:33 pm) To quote from Geico's web site "Leave with the reassurance that GEICO and the repair facility guarantee the repairs for as long as you own your vehicle."   http://www.geico.com/claims/claimsprocess/auto-repair-xpress/   So, Geico does warrent the repairs (I think only applies if you use one of their preferred repair shops in the Xpress program). Replies to this message: euphonium (Aug 07, 2009 9:21 am) dudette3 (Aug 08, 2009 8:52 am) euphonium (Aug 08, 2009 9:30 am) and 1 more... oldfarmer50 (Aug 12, 2009 3:17 am)
#4329 of 4422 Re: Mazda Protege- repair vs total loss [dudette3] by Mr_Shiftright HOST Aug 07, 2009 (8:31 am)
Replying to: dudette3 (Aug 06, 2009 6:06 pm) You could hire your own appraiser and challenge their estimate of value.
#4330 of 4422 Re: Mazda Protege- repair vs total loss [wlbrown9] by euphonium Aug 07, 2009 (9:21 am)
Replying to: wlbrown9 (Aug 07, 2009 7:24 am) I think only applies if you use one of their preferred repair shops in the Xpress program).   Right. They can't give kickbacks to just anybody and/or not all body shops will discount their parts to insurance companies. Replies to this message: dudette3 (Aug 08, 2009 8:52 am) euphonium (Aug 08, 2009 9:30 am) dudette3 (Aug 08, 2009 2:59 pm) oldfarmer50 (Aug 12, 2009 3:17 am)
#4331 of 4422 Re: Mazda Protege- repair vs total loss [euphonium] by dudette3 Aug 08, 2009 (8:52 am)
Replying to: euphonium (Aug 07, 2009 9:21 am) Thanks for the responses.   We are going through one of Geico's preferred repair shops, so the repairs will be warranted, as was previously mentioned.   It was difficult, as I am living in a separate state. But I appreciate the recommendation to get our own appraiser, given that the insurance company's estimate was coming in significantly higher than kbb or edmunds assessment.   Thanks again, Anita Replies to this message: euphonium (Aug 08, 2009 9:30 am) dudette3 (Aug 08, 2009 2:59 pm)
#4332 of 4422 Re: Mazda Protege- repair vs total loss [dudette3] by euphonium Aug 08, 2009 (9:30 am)
Replying to: dudette3 (Aug 08, 2009 8:52 am) ASAP after "Geico's Garage" completes the repair, spend a couple of bucks and have another local independent shop inspect the car to determine the quality of workmanship. Get any recommendations in writing. Good Luck. Replies to this message: dudette3 (Aug 08, 2009 2:59 pm)
#4333 of 4422 Re: Mazda Protege- repair vs total loss [euphonium] by dudette3 Aug 08, 2009 (2:59 pm)
Replying to: euphonium (Aug 08, 2009 9:30 am) Another very good idea. Thank you! I will plan to do this when she drives the vehicle home.
#4334 of 4422 Insurance Claim - Which Value is Used? by sunnyb1 Aug 10, 2009 (12:41 pm)
When a car is considered to be "totalled" by an insurance company what happens? If there is a loan on the car is it paid off? How is the value determined? I have only seen options for value as Trade In, Private Party or Dealer Retail. Will one of these apply? Replies to this message: houdini1 (Aug 10, 2009 12:45 pm) euphonium (Aug 10, 2009 1:53 pm) Mr_Shiftright (Aug 10, 2009 9:08 pm) the_big_al (Aug 10, 2009 10:17 pm)
#4335 of 4422 Re: Insurance Claim - Which Value is Used? [sunnyb1] by houdini1 Aug 10, 2009 (12:45 pm)
Replying to: sunnyb1 (Aug 10, 2009 12:41 pm) I don't think insurance companies take what is owed on a car into consideration at all. They just offer as low a number as they think they can get away with. If you owe more than they offer that is just too bad....unless you have some type of Gap insurance.
#4336 of 4422 Re: Insurance Claim - Which Value is Used? [sunnyb1] by euphonium Aug 10, 2009 (1:53 pm)
Replying to: sunnyb1 (Aug 10, 2009 12:41 pm) Most adjusters try to ascertain the market value of the totaled vehicle in the area and time of the crash. Geographics play a role in values, in addition to repair costs.   A Bodily Injury claim can have a great influence in determining total value so as to keep control of the claim preventing it from going to an attorney. Often being overly generous on the value of the vehicle enables the BI to be settled for much less.   I've known Claimants whose neck and back injury pain went away as soon as they received a generous value settlement check for their car.
#4337 of 4422 Re: Insurance Claim - Which Value is Used? [sunnyb1] by Mr_Shiftright HOST Aug 10, 2009 (9:08 pm)
Replying to: sunnyb1 (Aug 10, 2009 12:41 pm) No the loan is not paid off---the fair market value of the car is paid off. If you are upside down on the loan, too bad for you. This is where gap insurance comes in handy

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