by jagrunner2602 » Sat Jul 18, 2009 06:02 pm
Any help here would be great!!
My Subaru Baja was caught in a parking lot that flooded just below the shifter. I live in CT. The Insurance Company considered the car totaled and gave me a dollar amount for what they thought the car was worth.
I could also, take the car with a small dollar amount but they would consider it “Salvage” and I would have to have it towed back to my house from the dealer to do the repairs and have the DMV inspect the car. If I go that route, I can’t drive the car off the lot. I don’t want to do that.
Here’s how it started:
The first adjuster came over to our residence where I had the car towed and came up with a estimated number minus my 1G deductible and I got the check in the mail 2 days later for those estimated repairs. I was disappointed by the LOW numbers.
However, I had the car towed to a dealer to make sure nothing else is wrong. The dealer got the car to run by replacing the ECM and the adjuster took it for a ride and said it ran great and the adjuster said it’s fixable. That made my day however, the dealer said the car still has issue and gave the adjuster enough numbers to consider the Baja totaled. I didn’t like that.
Can I just take the existing repair money that I got from the insurance company and pay for the ECM and drive my car from the dealer or are there certain laws that I can’t do that and would that effect my insurance policy?
Can I cancel the claim give the money back to the insurance company and just pay everything out of pocket so I can take the care home or is it too late because I got the insurance company involved?
I didn’t release the car to the insurance company YET.
I would like to get my car back without having it being stamped “salvaged”.
Is that doable?
Sorry for the long note.
JAG
My Subaru Baja was caught in a parking lot that flooded just below the shifter. I live in CT. The Insurance Company considered the car totaled and gave me a dollar amount for what they thought the car was worth.
I could also, take the car with a small dollar amount but they would consider it “Salvage” and I would have to have it towed back to my house from the dealer to do the repairs and have the DMV inspect the car. If I go that route, I can’t drive the car off the lot. I don’t want to do that.
Here’s how it started:
The first adjuster came over to our residence where I had the car towed and came up with a estimated number minus my 1G deductible and I got the check in the mail 2 days later for those estimated repairs. I was disappointed by the LOW numbers.
However, I had the car towed to a dealer to make sure nothing else is wrong. The dealer got the car to run by replacing the ECM and the adjuster took it for a ride and said it ran great and the adjuster said it’s fixable. That made my day however, the dealer said the car still has issue and gave the adjuster enough numbers to consider the Baja totaled. I didn’t like that.
Can I just take the existing repair money that I got from the insurance company and pay for the ECM and drive my car from the dealer or are there certain laws that I can’t do that and would that effect my insurance policy?
Can I cancel the claim give the money back to the insurance company and just pay everything out of pocket so I can take the care home or is it too late because I got the insurance company involved?
I didn’t release the car to the insurance company YET.
I would like to get my car back without having it being stamped “salvaged”.
Is that doable?
Sorry for the long note.
JAG
Posted: Sun Jul 19, 2009 12:58 pm Post Subject:
JAG, The problem with fixing flood vehicles, is that you can't always find all the damage right away, I HATE working on flood cars for this very reason. You can think you've addressed everything, then 3,4,months down the road (if that long), the dash lights go nuts..I would suggest you allow them to total it, and go buy another one. Even if you cancel the claim, I can all but guarantee that the claim has already been reported to the ISO or NICB, as a flood total. So although you may be able to stop the salvage title, if a person were to dig far enough they could find out that it was at one time considered a total loss due to flood. Anyone with a brain in their head will run from a prior flood vehicle. Regardless of how the vehicle runs.
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