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

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#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
#184 of 196 Question re: State Farm and "ACV" by art_vandelay Jan 14, 2008 (11:19 am)
Does anyone know what percentage the repairs have to be for State Farm to consider a vehicle totaled?   Also, do the trade-in and retail values shown on the estimate have any relation in reality to the "actual cash value" that they would supposedly offer on a totaled car?   The initial repair estimate on my '04 Mustang Coupe is $8,520; on that estimate, "clean" trade-in on my car with all options and low mileage credit is shown as $10,825 and "clean" retail value is shown as $12,925. Replies to this message: joel0622 (Jan 14, 2008 11:22 am) art_vandelay (Jan 14, 2008 12:50 pm) euphonium (Jan 15, 2008 11:21 am) art_vandelay (Jan 16, 2008 10:22 am)
#185 of 196 Re: Question re: State Farm and "ACV" [art_vandelay] by joel0622 Jan 14, 2008 (11:22 am)
Replying to: art_vandelay (Jan 14, 2008 11:19 am) What book are those values coming from? Most insurance companies use NADA. Replies to this message: art_vandelay (Jan 14, 2008 12:50 pm)
#186 of 196 Re: Question re: State Farm and "ACV" [joel0622] by art_vandelay Jan 14, 2008 (12:50 pm)
Replying to: joel0622 (Jan 14, 2008 11:22 am) Yep, they came from NADA.
#187 of 196 Re: Question re: State Farm and "ACV" [art_vandelay] by euphonium Jan 15, 2008 (11:21 am)
Replying to: art_vandelay (Jan 14, 2008 11:19 am) 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 10:22 am)
#188 of 196 Re: Question re: State Farm and "ACV" [euphonium] by art_vandelay Jan 16, 2008 (10:22 am)
Replying to: euphonium (Jan 15, 2008 11:21 am) 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.

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