computerwiz501 asked:
my insurance company says my car is totaled the other persons (at fault) insurance company says its not
my insurance company says my car is totaled the other persons (at fault) insurance company says its not
help?
http://i71.photobucket.com/albums/i149/fredhughes_photos/Car/IMG_0348.jpg
http://i71.photobucket.com/albums/i149/fredhughes_photos/Car/IMG_0358.jpg
http://i71.photobucket.com/albums/i149/fredhughes_photos/Car/IMG_0357.jpg
http://i71.photobucket.com/albums/i149/fredhughes_photos/Car/IMG_0353.jpg
Tags: Car Jpg, Company Car, Fault Insurance, Insurance, Insurance Company
well if the air bags didint go off you still might have a chance at fixing it but im not sure what your cars werth
Different companies have different thresholds on what the consider totaled
Meaning some total cars once the repair cost is 75% of the value of the vehicle… some when its 80% etc.
Do you want it totalled or repaired? What carrier do you want to go through? You dont have to wait for them to agree
Just pick a carrier and go through it. Whats so complicated?
It doesn’t matter in the least what we think. The two insurance companies will get together and reach a conclusion and let you know.
You will either get paid for the fair market value of your car, or it will be fixed for you. Either way you win.
A lot of the time, it’ll actually go the other way…the at-fault company would be claiming it was totaled (because they would massively undervalue your car) while your company would claim it isn’t.
In this case, they probably can’t do that because your car is so new. And this company definitely has some questionable ethics if they even want to PRETEND that’s not totaled. The way your front wheel is hanging there, even without seeing the underside of the car yeah, that car probably cannot be fixed. Key structural parts of that car have been mangled. (Well, unless the control arms just bent or broke, in which case, it’s not that big a deal…but it would probably damage the body before it broke)
Sure, a really competent body shop might be able to weld in new metal, make it look right, maybe even make it drive straight. But it ISN’T going to have the same strength as before (even if it’s stronger, that could be bad), and it may not be able to maintain the same shape forever.
Some insurance companies will total a car if it has ANY damage of that sort, regardless of how much it would cost to fix.
Anyhow, I’d say deal with the other guy’s insurace through your insurance company as much as you can. They have a lot more weight to throw around. The other guy’s insurance does not care about making someone who isn’t one of their customers happy. They want to pay you as little as they possibly can, and this is how they are trying to go about it.
If you DO end up having it fixed, don’t forget to demand payment for the diminished value. That car will never be worth what it would have been worth without the damage, no matter how well it is fixed. It won’t even be worth what a car that has had cosmetic damage would be worth, if buyers are smart enough to spot the frame damage.