The estimate is at 17.8k, the value is 25k, and the front frame rails are bent and they said the shop can fix those with 10 hours of frame labor.

There's no way in hell I want my car back after the frame being like that and put back in place.

It seems like they are not gonna total it out.

Is there anything I can do or say to the insurance company, before they stick it to me?

Thanks.

Greg-

 

that should be enough to total it. weird

 

Unfortunately there isn't alot you can do. However the ins. company will usually total the car out if the car is 2/3 or the cars worth. I would look into your state laws, I'm pretty sure you don't have to take a car back with frame damage. Best of luck and don't give up..

 

yeah you really dont want that thing back with frame dammage.... Thats not good news down the road

 

I think if your car's damage is more than 80% in repair costs to the retail value of the car than they should total it out.

 

Another question popped in my head.

If insurance doesn't total it out and I dont want it back, when they write the check out to me and the body shop, can I just take that money to pay my loan off, and then part the car out to cover the rest of my loan.

Or would there be some legalities behind that, because I def. do not want the car fixed.

I will have to ask my insurance lady tomorrow.

Thanks guys!!

 

Ask your insurance claims rep, my Evo 9 totalled out w/ 19k worth of damage.

 

what did they say the car was worth at the time??

 

Around 26k or so. In the end, they paid off my loan (13.2k) and gave me a check for around 16k. So they paid out around 29k total for my Evo.

 

First talk to your agent and tell them that you don't want the car back with that much damage. I don't know your case but if it wasn't your fault then they are more likely to work with you. The two times that i was hit i had three choices given to me by the insurence company. Take the check for the amount to get the car fixed, hand over the title and get a check for the value of the car, salavage the title and get a check for a different amount then the value to fix the car normally more than the price to fix the car cause now the title is salavaged. I don't know how legal any of these are and if it varies by state.

Work on them about how much you love the car and don't trust getting a car back with that much damage. Bring up damage to the drivetrain/motor that happened during the wreck insurence companies do not want to deal with unknown problems.

 

Good luck with that man, sounds like they def should total it!

Just saw that you're from CF! Did you go to falls high?

 

Yeah I did go to falls, got homeschooled most of the time there though.....'02

 

My experience is that if the car has damage greater than 50% of the car value it will be totaled. They hauled the car away and paid the bank I had the loan with. The remaining money went to my account.

 

Talked to the lady again today, she was saying that in ohio, damage has to be greater than 75%, and right now its at about 65%, I stressed to her about the drivetrain might have been damaged and the suspension also from the wreck, and that could be thousands more after it's fixed.

She said the adjuster was goin over the possibilities on if its worth it to fix it, and she seemed like its gonna be fixed.

I feel like i'm stuck and I have no option's.

This sucks.

 

Is the car going to be fixed at a place of your choice or theirs. Maybe you can ask the repair shop how much they are going to charge the insurance company to fix it. Because the cost of parts AND labor could put you over that 75% mark. Or did they tell you that its 65% parts and labor.