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Smart Shopper Replacement Cost by Insurance Company for Totaled Vehicle
196 messages, Last post on Nov 17, 2009 at 7:17 PM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
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Hi My name is Natalia and last week I was hit from behind while making a left turn on a busy street. The driver hit me from behind at 60km/h because he was reading a map. The police charged him with careless driving on the spot. I have not spoken to the appraiser yet to find out whether or not my car is a write-off. Frankly my car is 2 months old and I don't want a re-built car. Any suggestions to sway my insurance (President's Choice - part of Aviva Traders) to give me a new car and not fix this one. I don't want to be paying for a brand new car and driving a rebuilt. If you could please offer me some advice or suggestions to say to the insurance company that would be great.
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Replying to: nataliak (Dec 26, 2006 3:20 pm) 2. The other driver's insurance is responsible for paying, not yours, if he is at fault. 3. Read the few posts just before yours for advice on getting the purchase price + tax if your car is totalled.
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Replying to: kirstie_h (Dec 27, 2006 7:56 am) Unless you have the misfortune of residing in a no-fault state. However, it seems like the OP is from Canada. They have a modified no-fault system which does assign fault, and the at-fault driver's insurance would probably be on the hook for the payment. EDIT: I'm wrong (at least with respect to NY state). No-fault only applies to personal injury and liability. If a driver is found to be at fault, then his insurance company is responsible for damage to other drivers' cars (assuming he has insurance). |
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Replying to: smittynyc (Dec 27, 2006 8:24 am)
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Replying to: kirstie_h (Dec 27, 2006 9:31 am) All the help is greatly appreciated. Natalia
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Replying to: nataliak (Dec 27, 2006 2:01 pm) To the extent that you can, try to get as many new OEM parts as possible (as opposed to used junkyard parts and lookalike parts that were not used by the manufacturer of your car.) Make sure that the cost is not being lowballed in order to get you to accept a repair job when a total might be more appropriate. If the car has extensive frame damage (and with that kind of repair bill, it just might), that might provide another basis for fighting for a total. Hopefully, some Canadian posters will see this, as laws vary between the US and Canada, and I presume from province to province. And again, if you succeed in getting the car totalled, be sure that your settlement on a total includes tax (GST and PST), registration fees, etc., and that the value is based upon the car's retail value. (Kelley Blue Book is a US publication, so you will want to use the Canadian equivalent.) |
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Replying to: nataliak (Dec 27, 2006 2:01 pm) What you need to fight for is its diminished value as a result of having been in a severe collision. Regardless of how well it is repaired, a trained eye will be able to detect that it has been fixed. |
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Hello, Hopefully someone can provide me with some advice concerning a recent accident my daughter was involved in and if her vehicle should be totaled. The other driver was cited at fault, both vehicles were covered by different insurance carriers. As of today the damage to her 2005 Sunfire stands at $6,056.00, to me this vehicle should be totaled due to the amount of damage sustained. It was hit on the driver's side, door, rear quarter, window, rear tire & wheel, were destroyed, damage to the roof line, interior (seats bent over) and damage to the floor pan. According to the estimates more work is to be completed once the vehicle is “straightened”. Due to the damage and impact I believe this vehicle will never be correct and that the insurance company should total the vehicle. What options does my daughter have in order to make sure this vehicle is totaled or repaired? I believe the damages must reach a figure of 70% of the NADA retail value before it is totaled, is this true? Any assistance will be greatly appreciated. Thanks, Tom
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Replying to: lilgto (Jan 17, 2007 10:09 am) To "make sure" your daughter gets her desired result, she may have to give a little somewhere in the process.
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Replying to: cccompson (Jan 17, 2007 5:50 pm)
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