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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
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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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They deal with people every day who demand their cars be totaled or they want more money than the ins.companies are offering on cars that ARE totalled. They don't care and they won't listen. They will tell you to take them to court. |
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Replying to: lilgto (Jan 18, 2007 9:21 am)
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Replying to: dtownfb (Jan 18, 2007 1:16 pm) |
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My insurance company must have a really high percentage rate that they work with for deciding whether a car is worth repairing or not. I had an accident recently which was my fault due to a lack of driving experience (I'd had my license less than a month on the day of the accident). I did 8,200 dollars worth of damage to my Saturn Ion but my insurance has decided to repair and not total the car. Ultimately it's up to them what happens but that car was worth 12,000 at the most due to it being an automatic with a lot of extra options (former rental car) so it's really scary to think that I'm going to be driving this car again after it sustained so much damage. It's at a really reputable body shop and the insurance plus the body shop have said that I won't be able to tell the car has been in an accident once it's repaired but it's still scary. Anyone had that much damage done to their car and had no major problems after the repair? I'm not going to fight them to total the car but I wonder if maybe they should have. I should have the car back next week. picture: http://img.photobucket.com/albums/v60/starladustangel/carwreck.jpg |
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Replying to: kierra (Jan 28, 2007 10:50 pm) |
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Smart Shopper Replacement Cost by Insurance Company for Totaled Vehicle
