Donita Desjardin: You can ask them for the value of your car less the salvage value. Likely about $1200 and then find a back yard mechanic who will put on a used bumper.
Eulah Hugill: It is simple math. If a car is worth $1600 and sustains damage of $2400 the insurance company considers the car a "total loss", by LAW! Plain and simple. I assume from your description of the accident that you were rear ended or hit from behind. If that is indeed the case perhaps there is no frame damage. It is possible to purchase the car from the insurance company in some states. Usually the title for the vehicle will reflect that it was a "WRECK or TOTAL LOSS". You don't say what type of car it is but that is of little matter. If you are not a mechanic or auto body repair person I would bet that the car might have hidden damage that might not crop up and cause you problems for a bit of time. You are about the only person that thinks the car is worth anything. You might be right abou! t the car still running good but it is possible to find decent basic transportation for the $1600 from the insurance company. By the way the answer to your other question is YES! If your vehicle was worth $16k they would absolutely pay for the repairs. If it were worth $16k my guess would be a bank would own most of it.The insurance company would pay repairs if it were worth $10k.Good luck....Show more
Salvatore Walls: Tell the insurance company that you would like to contact the shop where alleged repairs would take place. speak to the service manager about what repairs are included in the quote he sends to the insurance company. if you leave out the non important things like tail lights and paint the cost would be much cheaper. and you can get tail lights from a junk yard later
Indira Wassell: Depends on the severity of the damage and the value of the car may be.You had better ask the insurance company more detail.
Donny Bankson: By LAW, if the repairs o! n a car exceed between 70 to 80%, they MUST total it period. 7! 0% of $1600 = $1,120; 80% of $1600 = $1,280So the only way they can repair you car would be that the repairs are NO MORE THAN the above 2 figures. So for your car to be worth $1,600, it has to be between 10 to 15 years old. Granted it has been a reliable car, but if not for this accident and if you had tried to sell your car, you still would only get $1,600 for it. Granted for $1,600 may not be able to find something as reliable as what you had, but you could apply that money on a newer car as a down payment. Granted it sucks and you think if not for this accident would not have to consider buying another car now, but the insurance company is bound by LAW to make you whole and $1,600 will make you whole since that is all your car is worth, nor can they repair your car. good luckEDIT; There is one other possibility. In some states, you can keep your car and fix yourself. But if you do that, then they would pay you less than $1,600 and subtract out what they call "salv! age value" which might be couple of hundred. So if you know someone who could do repairs themselves or can get parts from a salvage yard, you would have to pay out of pocket yourself for anything over what the insurance pays you. Also in some of the states where they do allow this (not all states will allow), the DMV may have you go through numerous inspections to validate repairs were done and meets certain inspections. There could be a lot of hoops you might have to go through to get it back on the road. But;;;this is based if the state you live in, allows this, since the insurance company must follow the law....Show more
Jayson Brod: right this is the way it somewhat works. via regulation, in maximum states, the coverage organization won't be able to restoration your vehicle if the upkeep exceed 70 to 75% era. So say your vehicle is worth $10,000, and if the upkeep are $7,six hundred, it exceeds even the 75% rule, hence via regulation, they won't be able to r! estoration the vehicle, yet basically entire it and pay you the linked ! fee of the vehicle. You state they have been given ridiculous estimates, yet have self belief me, they have estimators which could look at them and get them plenty decrease if a risk. many of the time human beings will whinge that the estimates are too low and whinge that they have got an estimate that's two times what the coverage organization has gotten. coverage firms choose to repair a vehicle vs totaling it. because of fact that while totaled, they're caught with a vehicle that they are going to sell for salvage and that they lose extra that way. My wager on the $a million,3 hundred you would be out of pocket would be the adaptation on your loan stability and your deductible with Geico. If the different men coverage does certainly settle for fault for this twist of destiny, they are going to reimburse your deductible and you'd be out of pocket the quantity nonetheless left on your loan. Do you have hollow coverage? i'm guessing not, otherwise hollow might %. up the ada! ptation of your loan. you will have paid $10,4 hundred for this vehicle, yet you OVERPAID once you got it, so now with depreciation, you will owe any awesome stability on your vehicle loan which you do not get carry of the two from Geico or from the different coverage organization. PD (assets injury) is black/white, so notwithstanding in case you have been to sue the guy who hit you, once you bypass to court docket, the decide will basically pay you the linked fee of your vehicle on the time of the twist of destiny, not what you owe on your loan. The coverage organization and/or the guy who hit you owes the linked fee of your vehicle era, not extra/no much less. you should to attend to be certain if the different organization accepts fault and in the event that they might furnish you extra suitable than Geico, yet maximum probable notwithstanding in the event that they do, it ought to basically be a pair hundred extra suitable than Geico. yet because of fact which you have ! the condo for a million extra week, might might desire to make a call q! uickly or have not have been given any vehicle tochronic in any respect. sturdy success...Show more
Doreatha Kjellsen: take the money, if your car is still safe to drive buy it back from the insurance. The price to buy the car back from your insurance is negotiable. Always offer less then what they want for the car.. a good $300 too $400 should do the trick, maybe even less..
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