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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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#191 of 196 Re: 1997 Dodge Dakota [kyats] by cccompson Nov 28, 2008 (3:58 pm)
Replying to: kyats (Nov 28, 2008 2:07 pm) $5100 is, sad to say, not much these days when it comes to damage.   The vehicle is a total loss. Decide whether you want to keep it or not. The insurance company will be happy for you to take it and less money from them.
#192 of 196 vehicle to be totaled by njeffreys Jun 24, 2009 (7:13 am)
last week someone hit my car in a parking lot and left..no note..no witnesses.. ins co says they very likely will total it. My situation is I am not in a position to buy another vehicle. what are my options?   I have a 99 Mercury Villager Estate- ir runs fine but had 95 k milelage.. I really like it and hate to let it go..tires are good, ac works, tinted windows...   if they allow me to "buy" it back for salvage, will I then be unable to get even liability ins which is required by law? I am a senior citizen and on fixed income. Replies to this message: euphonium (Jun 24, 2009 8:04 am)
#193 of 196 Re: vehicle to be totaled [njeffreys] by euphonium Jun 24, 2009 (8:04 am)
Replying to: njeffreys (Jun 24, 2009 7:13 am) Sure. Liability covers your personal financial potential obligation as a result of a crash deemed to be your fault. The vehicle has nothing to do with it.   Does your policy include Uninsured Motorist Property Damage Liability? If so, make your claim under that coverage because the deductible is a lot less. Usually, no more than $100.
#194 of 196 interesting about insurance by njeffreys Jun 24, 2009 (12:00 pm)
someone referred me to the Texas State Ins Dept who told me while ,.we are required by law to have liability insurance, ins companies are not required to sell us liaability insurance... so if I "buy" back vehicle as salvage...there is no guarantee I can obtain liability since my ins company will report it as salvaged...aghhhhhhhh...   If I had known this I would not have filed a claim and would have driven the darn thing til it fell apart..   now it appears I will be looking for a very very cheap car...   thanks for your help...   I do have uninsured motorist coverage and that is what I am using... Replies to this message: euphonium (Jun 24, 2009 1:20 pm)
#195 of 196 Re: interesting about insurance [njeffreys] by euphonium Jun 24, 2009 (1:20 pm)
Replying to: njeffreys (Jun 24, 2009 12:00 pm) report it as salvaged = ususlly pertains to and regards Comp and Collision, not Liability coverages.
#196 of 196 Totaled car by donald12345 Nov 17, 2009 (7:17 pm)
Is it possible to get the insurance company (GEICO) to replace my Honda Civic hybrid. It is a 2008. thanks.

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