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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

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

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#174 of 196 Re: Insuring a previously totaled car [teacher8] by pat HOST Dec 15, 2007 (12:11 pm)
Replying to: teacher8 (Dec 14, 2007 8:50 pm) The same insurance company that originally totalled it re-insured it after you bought it back? I know nothing other than word of mouth, but I've lived in Virginia all my life and always understood that if an insurance company totalled a car and the owner bought it back, the car was not eligible for any further coverage.   I think you need to explain the situation completely to the new insurance company and see what they say. No need to pay them if they are going to deny any future claims based on the history - which they will discover in the event of a claim (if not sooner) whether or not it is disclosed up front.   Let us know what you find out!
#175 of 196 Recent Accident by tybo2 Dec 20, 2007 (8:38 pm)
I was recently in an accident, I ran into a curb that was about 5-8 inches above the ground, and it pushed back the wheel of my sunfire, and in doing so it pushed the fender back just enough to make the door nearly impossible to open. So my question is do you think there is enough reason to deem my car Totaled btw its a 95 sunfire Replies to this message: tidester (Dec 20, 2007 8:57 pm) kyfdx (Dec 21, 2007 8:52 am) joel0622 (Dec 22, 2007 10:14 am)
#176 of 196 Re: Recent Accident [tybo2] by tidester HOST Dec 20, 2007 (8:57 pm)
Replying to: tybo2 (Dec 20, 2007 8:38 pm) So my question is do you think there is enough reason to deem my car Totaled[?]   I don't think so. Essentially, the criterion for "totalling" a vehicle is that the cost of repair has to be comparable to its replacement cost.   tidester, host SUVs and Smart Shopper
#178 of 196 Re: Recent Accident [tybo2] by kyfdx HOST Dec 21, 2007 (8:52 am)
Replying to: tybo2 (Dec 20, 2007 8:38 pm) I don't know... I think an oil change might total a '95 Sunfire..   How many miles do you have on it? I can imagine that there are some '95 Sunfires that might only be worth $500.   Which begs another question? You are still carrying collision on a '95 Sunfire?   Regards, kyfdx visiting host
#179 of 196 re by tybo2 Dec 21, 2007 (4:15 pm)
well, im not goin to lie, im actually in canada, where you have your insurance, with the price of your plates every month, no matter what your car is insured, and will be fixed, and all you have to do is pay your deductible Replies to this message: kyfdx (Dec 22, 2007 9:03 am)
#180 of 196 Re: re [tybo2] by kyfdx HOST Dec 22, 2007 (9:03 am)
Replying to: tybo2 (Dec 21, 2007 4:15 pm) You probably won't know until you get an estimate.. If your car has 150K+ miles.., then it is probably worth less than $1000.. In that case, the damage you described will probably total it..   If your car is a creampuff, with only 75K miles? Then, it might get fixed..   regards, kyfdx visiting host
#181 of 196 Re: Recent Accident [tybo2] by joel0622 Dec 22, 2007 (10:14 am)
Replying to: tybo2 (Dec 20, 2007 8:38 pm) So my question is do you think there is enough reason to deem my car Totaled   Yes   The cost of the front suspension will probably be more then the car is worth
#182 of 196 perplexed Virginian by 07sdn6mt Jan 13, 2008 (10:05 am)
Yesterday I signed a contract on a vehicle but did not take dilivery of that vehicle. Am I still obligated to the contract if I change my mind? Replies to this message: tidester (Jan 13, 2008 11:43 am)
#183 of 196 Re: perplexed Virginian [07sdn6mt] by tidester HOST Jan 13, 2008 (11:43 am)
Replying to: 07sdn6mt (Jan 13, 2008 10:05 am) I don't know what that has to do with insurance and totaled vehicles.   The short answer to your question is "yes" but that depends on what kind of a contract you signed. If you provide a little more detail we should be able to get you to the right place to discuss your issues.   tidester, host SUVs and Smart Shopper

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