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Replacement Cost by Insurance Company for Totaled Vehicle

195 messages,  Last post on Jun 24, 2009 at 2:20 PM

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What is this discussion about? Car Safety, Buying Insurance, Coupe, Convertible, Hatchback, Truck, Sedan, Wagon, SUV, Van

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#186 of 195 Re: Question re: State Farm and "ACV" [joel0622] by art_vandelay Jan 14, 2008 (1:50 pm)
Replying to: joel0622 (Jan 14, 2008 12:22 pm) Yep, they came from NADA.
#187 of 195 Re: Question re: State Farm and "ACV" [art_vandelay] by euphonium Jan 15, 2008 (12:21 pm)
Replying to: art_vandelay (Jan 14, 2008 12:19 pm) The initial repair estimate on my '04 Mustang Coupe is $8,520   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? Replies to this message: art_vandelay (Jan 16, 2008 11:22 am)
#188 of 195 Re: Question re: State Farm and "ACV" [euphonium] by art_vandelay Jan 16, 2008 (11:22 am)
Replying to: euphonium (Jan 15, 2008 12:21 pm) My question exactly! I finally made contact with my agent yesterday and he's wondering the same thing... he was going to call their claims department today and find out what their reasoning is. He thinks they ought to go ahead and declare it totaled. Maybe his opinion can sway them into taking some action here sooner rather than later.
#189 of 195 cd player by creshetar Jan 18, 2008 (2:25 pm)
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?
#190 of 195 1997 Dodge Dakota by kyats Nov 28, 2008 (3:07 pm)
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 Replies to this message: cccompson (Nov 28, 2008 4:58 pm)
#191 of 195 Re: 1997 Dodge Dakota [kyats] by cccompson Nov 28, 2008 (4:58 pm)
Replying to: kyats (Nov 28, 2008 3:07 pm) $5100 is, sad to say, not much these days when it comes to damage.   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.
#192 of 195 vehicle to be totaled by njeffreys Jun 24, 2009 (8:13 am)
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. Replies to this message: euphonium (Jun 24, 2009 9:04 am)
#193 of 195 Re: vehicle to be totaled [njeffreys] by euphonium Jun 24, 2009 (9:04 am)
Replying to: njeffreys (Jun 24, 2009 8:13 am) Sure. Liability covers your personal financial potential obligation as a result of a crash deemed to be your fault. The vehicle has nothing to do with it.   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.
#194 of 195 interesting about insurance by njeffreys Jun 24, 2009 (1:00 pm)
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... Replies to this message: euphonium (Jun 24, 2009 2:20 pm)
#195 of 195 Re: interesting about insurance [njeffreys] by euphonium Jun 24, 2009 (2:20 pm)
Replying to: njeffreys (Jun 24, 2009 1:00 pm) report it as salvaged = ususlly pertains to and regards Comp and Collision, not Liability coverages.

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