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Smart Shopper Replacement Cost by Insurance Company for Totaled Vehicle
195 messages, Last post on Jun 24, 2009 at 1:20 PM
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Replying to: joel0622 (Jan 14, 2008 11:22 am) |
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Replying to: art_vandelay (Jan 14, 2008 11:19 am) The operative word is "initial". After the body shop tears into it, the chances are very good they will discover hidden damage so why wait to declare it a Total?
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Replying to: euphonium (Jan 15, 2008 11:21 am) |
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| does anyone know if the 2007 vue cd player is mp3 compatable and if not can the dealer install the option or is there a good after-market option I can consider? | |
I have a 1997 Dodge Dakota 4x4 SLT that was involved in an accident last week. The estimate came in at $5100...which I think is way to high. The autobody shop quoted all new parts on the vehicle....front quarter, hood, grill, front bumpber, paint etc. The NADA value is between 5100 and 6450. The insurance adjusted will be looking at the vehicle on Monday. Mind you I have no experience in repair costs, this is my first claim in 30 years...but in looking over the vehicle with the autobody shop there is no damage to the front differential or frame. The auto body shop indicated that the insurance company may ask to have used parts installed on the truck. I don't understand the 5100 estimate based on the NADA value.  Is this an acceptable insurance practice...since I have been paying full coverage on the vehicle? If the truck is a total loss, can I buy it back from the insurance company for the salvage value? Do I have any other options
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Replying to: kyats (Nov 28, 2008 2:07 pm) The vehicle is a total loss. Decide whether you want to keep it or not. The insurance company will be happy for you to take it and less money from them. |
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last week someone hit my car in a parking lot and left..no note..no witnesses.. ins co says they very likely will total it. My situation is I am not in a position to buy another vehicle. what are my options? I have a 99 Mercury Villager Estate- ir runs fine but had 95 k milelage.. I really like it and hate to let it go..tires are good, ac works, tinted windows... if they allow me to "buy" it back for salvage, will I then be unable to get even liability ins which is required by law? I am a senior citizen and on fixed income.
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Replying to: njeffreys (Jun 24, 2009 7:13 am) Does your policy include Uninsured Motorist Property Damage Liability? If so, make your claim under that coverage because the deductible is a lot less. Usually, no more than $100. |
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someone referred me to the Texas State Ins Dept who told me while ,.we are required by law to have liability insurance, ins companies are not required to sell us liaability insurance... so if I "buy" back vehicle as salvage...there is no guarantee I can obtain liability since my ins company will report it as salvaged...aghhhhhhhh... If I had known this I would not have filed a claim and would have driven the darn thing til it fell apart.. now it appears I will be looking for a very very cheap car... thanks for your help... I do have uninsured motorist coverage and that is what I am using...
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Replying to: njeffreys (Jun 24, 2009 12:00 pm) |
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