by spider1az » Tue Aug 12, 2008 05:32 am
Hi, my husband was hit last week and the other driver was at fault, our car was totaled and we are at odds over the ACV of our car with the insurance co. it's a 2005 Mini Cooper S with all the upgrades(leather, fog lamps, harman-kardon sound system, ugdo, rain sensors, dynamic stability control, cockpit package, mp3) everything (except sunroof) we paid 29,800 at the dealer and it's been highly maintained, no previous damage of any kind and 77,000 miles. Edmunds and local comps are showing between 19k(private) & 21k(dealer) to replace. The Insurance co. is using CCC and offering 15k, Would you have an ACV from someone other than CCC or Edmunds I could reference with the adjuster? Thank you!
Posted: Fri Aug 15, 2008 09:27 pm Post Subject:
The TVs cost $1000 and I purchased them about 7 months ago, the xbox was $400 purchased and installed with the TVs. The truck is also equipped with a factory DVD entertainment system…
would it be possible to send me a copy or screen shoot of your report, I'm not sure if its allowed but I would want to compeer it with the one they send me..
I'm a new graduate and I've only been working for a year i sacrificed a lot to purchase this truck, I really enjoy working on cars and I've spent a lot of time and money on my vehicle and made it a point to add every option to my policy so that I would be covered
Posted: Fri Aug 15, 2008 10:22 pm Post Subject:
I would think (subject to your policy re: after market equipment)...that your t.v.s and xbox should get you atleast half what you spent...You do of course have the receipts....
I'm trying to figure out how to get that from my lap top to my home computer give me a few minutes here
Posted: Fri Aug 15, 2008 10:35 pm Post Subject:
Thanks for everything Lori I'm very greatfull for all that you have done.
Posted: Fri Aug 15, 2008 10:36 pm Post Subject:
Vehicle Summary With NADA Values
N.A.D.A Official Used Car Guide
Friday, August 15, 2008
Guide Edition: Eastern Used Car Guide - July 2008
Vehicle Description: 2003 GMC LIGHT DUTY
Denali-V8 Utility 4D XL AWD
VIN: Weight: 5839
Stock #: MSRP: $50,069
N.A.D.A. Base Values: Clean Retail: $19,225 Clean Trade-In: $16,450 Loan: $14,825
Mileage Value (160000 Miles) $-3,550
Accessories Values $1,650 $1,425 $1,425
N.A.D.A Adjusted Values: Clean Retail: $17,325 Clean Trade-In: $14,325 Loan: $12,700
Appraiser Adjustment Value $0
Adjusted Values: Clean Retail: $17,325 Clean Trade-In: $14,325 Loan: $12,700
Accessories:
Clean Retail Clean Trade-In Loan
Fixed Running Boards $100 $75 $75
Luggage Rack $75 $50 $50
Navigation System $725 $650 $650
Rear Bucket Seats $150 $125 $125
Rear Entertainment System $450 $400 $400
Towing/Camper Pkg $150 $125 $125
Appraiser Adjustments:
NADA assumes no responsibility or liability for any errors or omissions or
any revisions or additions made by anyone on this report.
All NADA values are reprinted with permission of N.A.D.A. Official Used Car Guide Company Copyright NADASC 2008
I'm sorry it's kind of hard to read in this format...I can't figure out how to get it to stay the way it is on the sceen... :twisted:
Posted: Fri Aug 15, 2008 10:37 pm Post Subject:
Aren't you just a cutie...
Posted: Fri Aug 15, 2008 11:15 pm Post Subject: how to fight it?
thank you for everything.. what are your suggestions on how to fight their proposed 13,800?
Posted: Fri Aug 15, 2008 11:22 pm Post Subject:
Did they use CCC to determine the value if not how did they arrive at this value?
Posted: Fri Aug 15, 2008 11:28 pm Post Subject:
yes, that is what they told me. they said that included my tvs and accessories. please help!
Posted: Fri Aug 15, 2008 11:32 pm Post Subject:
yes they did use CCC
Posted: Fri Aug 15, 2008 11:36 pm Post Subject:
First you need a copy of the CCC evaluation, when you get it go over it VERY VERY carefully, check the year,make,model, mileage, ALL options....make sure they are all on there...check the condition that they marked it..(probably average)...then check the 'comps' call the comps and see if they are indeed the same as your vehicle....call some good used car lots, or better yet go by with pictures of your vehicle ask if they will write up something saying what they would be asking for your vehicle as it was equiped if it were for sale on their lot....when you call on the comps be sure you ask about all the equipment and if it had any prior damage, like hail, bumper scrapes, interior damge, lights cracked etc...let us know if the CCC evaluation is correct or if you find some errors....what company is it you are insured with Chanel?
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