The pillar to the garage is a mess and his garage door won't go down unless we manually pull it and lock it into position.
He has a pretty deep gash on his left shin and a huge knot on his knee. He's ok...just really shook up. Thank God! It could have been so much worse...I was inside the house and if he would have gotten pinned between the garage and his car, I don't know if I would have heard him...that's a horrible thought and feeling
So our insurance (auto) adjuster will be out this Wednesday (home adjuster this Friday) and what I'm needing help with is if they want to total his car.
He has a very clean (or was clean ) 1995 Camaro with extremely low mileage. Every time I take his car to get serviced or inspected, I *always* get offers from the guys on wanting to buy it over Blue book value...usually the offers are around $5500 - $6000.
What if our insurance wants to total it? Do we have any options? MH is in love with his car and really doesn't want to get rid of it. Any help/advice is greatly appreciated
My tolerance for stupid shit is getting less and less.
Look for other similar age cars for sale to get an idea of what they're going for. Ebay or autotrader.com are two good options. There are also some Camaro clubs online.
For a point of reference, a good friend of mine is selling an 01 SS with 176,000 miles and has two people wanting it at $4,000.
The people you do your life with shape the life you live
Another factor is if it is drive-able right now.
If they do want to total it maybe you can negotiate a way to keep the car and just get the value in cash and then restore/fix it yourself
"Courage is being scared to death and saddling up anyway." - Aubrie
It's drive-able but not sure if it's street legal since the door won't shut. But the frame, rims and tires are sound.
We watched our security camera footage which really drove home just how scary it was.
[This message edited by SI Staff at 6:26 PM, June 16th (Monday)]
My insurance declared my car a total loss when some idiot ran a light and hit me. I wanted to keep the car, it was also very low mileage, but the inspector convinced me the damage to the frame meant the car would be unsafe.
However, I seem to remember that I had options, and could have rejected their total loss decision, and kept the car to have the repairs done on my own. I am not sure if that would have affected the amount of their offer; with the total loss they kept the car and it had many salvageable parts.
It is always worth negotiating everything! I argued for a higher value for the car than their initial evaluation, since the body had been in very good condition and the mileage was low.
You might want to have someone from a body shop look at it before the insurance guy gets there, to let you know if there is real frame damage or if it could be fixed, and have his estimate. Of course, you can do that after the insurance does their inspection, too. It is still your car until you accept their total loss offer.
I used Edmunds.com to look for resale values in my area.
The insurance company lowballed us. Bad. I rolled my eyes and said "try again". I had papers and ads to email to the adjuster with comparable vehicles in our area with the same mileage and features. Held out for 2 months before they finally offered real money.
It's a game. Do your research and play the game DS.
Glad MH is ok.
"Courage is being scared to death and saddling up anyway." - J. Wayne
I know the mileage can make a difference. Xpos had an accident one time with just body damage to his vehicle and the adjuster still totaled it because of the mileage. He was not happy because he liked it and did not want to get another one. As we talked about it, we remembered that the vehicle's odometer recorded in km, not miles, so he called them back and told them. When they calculated that it actually only had around 2/3 the miles they used to reject it, they fixed it instead.
Good luck with both of your adjusters. Just very relieved you are only dealing with damage, not injuries.
When I was rear-ended and my car totaled a few years ago, I thought my first offer was a bit of a low ball. I had just put $1,500 worth of new air-conditioning system into the car three weeks before I was hit. 95% of that was compensated in their next offer.
Sorry you guys are faced with this, but so glad MH is well!!!
I'm so glad MH was not injured.
Me too!
I'm headed to the body shop at lunch today...I hope I don't get a ticket driving a car with a door hanging off
The scrapes will probably "buff out"
[This message edited by TrulyReconciled at 10:41 AM, June 17th (Tuesday)]
I hope I don't get a ticket driving a car with a door hanging off
Glad MH is fine.
Good luck with the appointment today!
In my experience (MA resident) there has to be a LOT of damage and/or damage to the frame to have totaled.
I drive a 97 Honda. A few months after I bought my car brand new (so this is an old story) my husband (then boyfriend) was driving and rear-ended (he swerved too late and clipped the back corner)of a pick-up truck (no brake lights). There wasn't that much damage to the truck but there was $14k worth of damage to my car. The hood was folded in half not to mention tons of other damage. The shop said that my car was $3k shy of being totaled. I told him "give me a hammer, I can find $3k to damage." There was so much wrong with it that the mechanic worked weekends to fix it so he wouldn't forget where he left off. He must have loved the overtime pay on that!
Anywho... long story short (too late) there wasn't enough damage cost wise, and the frame was fine so the didn't total it. I'm still driving that car today.
Good luck with the insurance and tell MH that I'm glad he's all right.
[This message edited by simplydevastated at 11:51 AM, June 17th (Tuesday)]
The insurance company will probably total the car if the cost of repair is more than the worth of the vehicle. In our 2 cases (one ours, one our son's), we were offered one figure if the insco took the car, another figure if we kept it.
If the car was worth more than blue book, some inscos will pay what it's worth. When my brother totaled his immaculate MGB, AMICA paid the average retail price for MGB's at the time + some more for its condition + sales tax.
OTOH, when a friend totaled his Corolla, Allstate paid him the bluebook number for selling the car to a dealer.
Allstate advertises on price. AMICA doesn't; you may not even have heard of them.
At one point, W got into an accident and was unhappy with State Farm's offer. She just wrote the IL insurance commission - we got full payment immediately, even before the commission acted on her complaint. I'd try that even in Texas, if you have any trouble.
Good luck. Regards to MH, and best wishes for a speedy, low pain recovery.
[This message edited by sisoon at 11:54 AM, June 17th (Tuesday)]
