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Replacement Cost by Insurance Company for Totaled Vehicle

196 messages,  Last post on Nov 17, 2009 at 7:17 PM

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#148 of 196 Re: 8,200 dollars worth of damage to Saturn Ion 2 2006 [explorerx4] by lilgto Feb 14, 2007 (9:31 am)
Replying to: explorerx4 (Feb 13, 2007 7:06 pm) In most cases insurance companies will cover the repairs only if it was repaired by one of their preferred vendors. In any case it is the constant headache of having your car in a repair facility... Replies to this message: explorerx4 (Feb 14, 2007 6:49 pm)
#149 of 196 Re: 8,200 dollars worth of damage to Saturn Ion 2 2006 [lilgto] by explorerx4 Feb 14, 2007 (6:49 pm)
Replying to: lilgto (Feb 14, 2007 9:31 am) when i had one of my vehicles repaired at the 'preferred vendor' out of state, due to the location of the accident, the local guy was able to finish up what should have been done in the first place, and correct the additional damage done at the first repair facility, no questions asked.
#150 of 196 Re: 8,200 dollars worth of damage to Saturn Ion 2 2006 [kierra] by kierra Feb 14, 2007 (9:09 pm)
Replying to: kierra (Jan 28, 2007 10:50 pm) The actual damage to the car was around 4,700. The final price to the body shop was around 9000 once labor, storage (the car sat there for two weeks while the insurance made a decision), sales tax etc was added on.   I got the car back on February 5th from the body shop. The check engine light was on so I took it back to the body shop. They didn't have the equipment to check the engine code there so I made an appointment with my car dealership to have it checked. Yesterday, the dealership checked the engine and found a cracked plastic intake valve which had been missed. Even they had trouble finding it. So I contacted my insurance company who sent the adjuster out to check if this was accident related. The insurance decided it was so they took my car back to the body shop and are going to be paying for this repair. My adjustor tells me I'll have the car back today so today I call the body shop who says tomorrow or maybe Friday. I don't have rental car coverage through my insurance so in the meantime I'm stuck on the bus which is really frustrating due to it taking twice as long to get me from work to home as my car can.   The car overall looks and sounds fine while driving it so I'm hoping there are no other hidden problems. I noticed the cigarrette light adaptor was dead when I plugged my cell phone in it but the insurance says it can't be proven that was accident related although it worked fine before so I'll have to pay to get that fixed. Replies to this message: lilgto (Feb 20, 2007 9:25 am)
#151 of 196 Re: 8,200 dollars worth of damage to Saturn Ion 2 2006 [kierra] by lilgto Feb 20, 2007 (9:25 am)
Replying to: kierra (Feb 14, 2007 9:09 pm) The repair total to my daughter's vehicle is up to a little over $7,000.00. We received a call from the body shop informing us that the vehicle was finished and ready for us to pick up. After looking over the repairs I had to inform the body shop we would not be taking this vehicle until the numerous flaws were fixed, repaired or replaced. The rear bumper panel was not even attached, Sanding marks were visible on different areas that was painted, the "B" Pillar replacement part (used) was full of numerous dents, side view mirror (used) looked like it had seen better days, interior door panel was faded(used) numerous pitts and scratches in the new paint and last thing that I just shook my head about was the back seat still was not installed properly and I found tools left behind by one of the techs... I don't even want to know what it is going to be like when we finally drive it down the road. After 2 months of repairs and the insurance company still paying for a rental car I think they would have been a little bit more intelligent to total this vehicle that is for sure...   Your frontal impact more than likely caused the cracked in the intake system as for your cigarette lighter adaptor, take your vehicle to a vendor that you can trust and have them make the determination that it was caused by the accident. Something was probably knocked loose due the impact or maybe the body shop did something...
#152 of 196 My wrecked Accord Coupe 2001 by toyoman1 Mar 19, 2007 (6:16 am)
So I had my dream Accord a total of a month and a half. I was driving home from the hospital after a 12 hour shift it was about 530p, and coming down a two lane each way highway guess what happens. A man in a 18 wheeler turns in front of me. I jam on the brakes and swerve right to avoid hitting the semi. I hit the curb at about 55mph and jumped it, slamming back down onto the road he was turning onto. I slid in front of him and across that road, before hitting another curb and sliding the accord down an embankment. The police department issued the SEMI driver a ticket for failure to yeild, and leaving the scene of an accident. Yeah he drove off. The guy behind me chased him and called the PD. Both witnesses backed my story and I was found not at fault.    Now, about my baby. Could anyone take a stab in the dark as to what could have all been damaged by this kind of impact. The car drove onto the flatbed, just with two flat tires up front and the front rims damaged. Car was still running when I came to a stop. I was wondering if the curb could have caused frame damage? Anyone think it might have? And do you all think the the suspension could be jacked up? Anyways... today sucks... I lost my baby, hopefully not permanently. Be in the end she kept me safe. GO HONDA!!! Replies to this message: lilgto (Apr 09, 2007 9:36 am) toyoman1 (Jul 28, 2007 1:10 am)
#153 of 196 Rare Motorcycle totalled by bob311 Mar 23, 2007 (6:12 pm)
I just received a Italian motorcycle that I had been searching for 2 years....Color Italian red, mileage, just over what is allowed to be imported into California (7500 min. had 7521). The KBB shows $7995 for this bike, but they are not made anymore (Since 2004), not available except for a few high mileage or Salvage titled bikes in CA. Repairs due to parts looks like about $8000. Mechanically the bike was perfect on the laser alignment. All the damage is front end plastic, and supports. The adjuster refused to look at the bike at my residence and required me to take it to a shop, and for them to perform an estimate. (Cost about $800 so far).   Since this is a 3rd party settlement, how can I force the company to make me whole??? It is not possible to purchase the same bike in California, and they would prohibit the importation of an out of state bike that had less than my mileage at time of accident.   I am patient so do not care if it takes some months.   Also I am happy to do my own repairs if we reach a settlement.   Suggestions....   (Some times money is not the answer)
#154 of 196 Need help with accident with my 2005 Camry by mcgrawp1173 Apr 04, 2007 (8:06 am)
I was involved in a accident on Feb. 25, 2007, Someone turned in front of me and I hit them head on. The accident was ruled the other persons fault. My airbags never deployed although we were traveling around 40 mph upon impact. I am looking over copies of the repair bill which was around $10,000 in damage. They repaired stuff normal cosmetic stuff and I also notice where they had to replace the engine cradle mounts on both sides in the front and reinforce the side rail. I am wondering if I should really be concerned about this??? Toyota now has my car and they are investigating the airbag issue. The front of my car looked like I had hit a tree and even the bodyshop was a little surprised that the insurance company did not total the car. I am pregnant and have two small children. I don't feel that I will ever feel safe in my car again. What can I do??? Replies to this message: joel0622 (Apr 04, 2007 11:18 am) lilgto (Apr 09, 2007 9:42 am)
#155 of 196 Re: Need help with accident with my 2005 Camry [mcgrawp1173] by joel0622 Apr 04, 2007 (11:18 am)
Replying to: mcgrawp1173 (Apr 04, 2007 8:06 am) What can I do???   Unfortunately since the repairs have already been done I don't think there is anything you can do. If you wanted to argue as to weather or not the car should have been totaled that probably should have been done prior to the repair process starting.   I may be wrong though, I don't work in the insurance industry
#156 of 196 Older cars totaled cheap? by oldfarmer50 Apr 04, 2007 (3:44 pm)
With an older car I assume that the magic number for being "totaled" can be reached with relatively minor damage. $1000 or $1500 of damage might be enough to exceed the wholesale value of say a 10 year old car.   If your car is totaled by the insurance company do they simply pay you the low wholesale value and then take the car or do they let you keep it?   If the damage is mainly cosmetic I could see putting some money into making it road worthy and forgetting about the appearance. However, if the insurance company takes the car you would be out the difference between wholesale and retail cost.   What do the experts think? Replies to this message: joel0622 (Apr 06, 2007 8:08 am)
#157 of 196 Re: Older cars totaled cheap? [oldfarmer50] by joel0622 Apr 06, 2007 (8:08 am)
Replying to: oldfarmer50 (Apr 04, 2007 3:44 pm) If your car is totaled by the insurance company do they simply pay you the low wholesale value and then take the car or do they let you keep it?   No they don't let you keep it. They get salvage bids on the car and sell it to recoup part of the claim. Itis not uncommon for people to buy back there car though on the salvage bid.

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