Can you keep a totaled car?

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PostPosted: Thu Oct 29, 2009 2:08 pm   Post subject: Forcing car repair  

My husband was in a accident which left the front of his 2004 Chevy Blazer (90,000 miles) severely mangled, undrivable, pieces everywhere.... The insurance company recommended we tow the vehicle to a preferred repair shop. I did so under the impression an independent 3rd party would do adjusting and then repair shop would use that. Well repair shop also did the adjusting. They inflated the ACV and lowballed the estimate to get the repair job and avoid a total loss.



I told the insurance company I was just going to take the repair $$$ and buy another vehicle and sell the Chevy for scrap. (When I told the repair shop this they then tried to sell me a car). The insurance company sent us 75% of the repairs amount ($3,000 out of $4,000) and said they would not give the rest ($1,000) without a completion of work - meaning I would have to repair it to get the rest - they said they were required to do so under Mass law but would not cite any specific section. I have searched high and low the law in Massachusetts and cannot find anything that requires me to fix a car I do not think will be worth the $$ going in to it. I also cannot find anything in my policy on this that would require me to do this.



Any advice? Thanks


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PostPosted: Thu Oct 29, 2009 2:38 pm   Post subject:   

This is the first time I've heard of this in an auto policy. Check your auto policy and I'll check the Mass dept of insurance for you...this is first party (your carrier) right?



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PostPosted: Thu Oct 29, 2009 2:54 pm   Post subject:   

Well it appears Mass has some unusual policy language I've found the following:



Quote:
I got $500 to replace my stereo. Can I use the money for something else?

Liability Claim

If you are collecting from another driver's company, you're entitled to the cash. Do what you want with it.



Comprehensive/Collision Claim

Your own company may not pay the full replacement cost until you actually buy the new stereo. And if the stereo did not come with the car, you may need to show the company receipts to prove you had it in the first place.
This would apply to ANY first party loss/damage.



Sorry, check your policy I'm sure under "how losses are settled" or some such wording (under collision/comp coverages) you'll find where they can make partial payment until repairs are completed.



Sorry for you, but glad for the knowledge. I had no idea that ANY auto policy in ANY state had this type of language, see it in HO policys all the time. At any rate, appears the adjuster is correct.


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PostPosted: Sat Oct 31, 2009 3:48 pm   Post subject:   

Hello, i need some advice!

my car is deemed totaled by the insurance company because they claim the estimate equals or exceeds the acv. BUT I have found someone to fix the car for an estimate way less than the acv. All i ask is to be able to retain my car and for the insurance company to pay for the repairs! I've been paying this car off for 4 years and only have 2 more years left. I have spent so much money just on the maintenance of the vehicle. Can an EXPERT please advise me on how to go about this so i can RETAIN my vehicle. I feel like i'm being shortchanged by the insurance companies who just wants to sell MY vehicle! I have refused to sign over the title and they told me they have the right to TAKE IT??!! SadCrying or Very sad


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PostPosted: Sun Nov 01, 2009 2:33 pm   Post subject:   

mari112





They likely cannot change their opinion on the vehicles total loss. You however (in most states) can retain the vehicle. They will just subtract the salvage value from the ACV then you can have this person you found fix it 'cheaper'. Have you asked the adjuster about retaining the vehicle/salvage?



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PostPosted: Sun Dec 13, 2009 6:42 am   Post subject:   

What information do you need to give the car repair shop in order for them to actually sell your car to the junk yard?


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PostPosted: Sun Dec 13, 2009 12:19 pm   Post subject:   

I don't know what you mean by 'information'? You need to give them the title, if they are buying it. Please explain your question in more detail.



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PostPosted: Thu Dec 17, 2009 8:10 pm   Post subject: totaled  

Hello. i own a 2001 VW passat. i was in an accident the damage caused is just enough to consider my car totaled. Is it possible for me to pay enough out of pocket to keep the amount the insurance pays under the total amount?


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PostPosted: Thu Dec 17, 2009 8:12 pm   Post subject:   

No.

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PostPosted: Thu Dec 17, 2009 11:28 pm   Post subject:   

no (again)



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PostPosted: Sat Jan 02, 2010 8:53 pm   Post subject: Needs a Part  

Have friend that needs trunk lid, from my totaled car...she has same yr. same model , same color. But has dent in trunk lid. Can I get the lid from mine to sell or give to her?


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PostPosted: Sat Jan 02, 2010 9:01 pm   Post subject:   

Quote:
Have friend that needs trunk lid, from my totaled car...she has same yr. same model , same color. But has dent in trunk lid. Can I get the lid from mine to sell or give to her?




If your vehicle has been deemed a total and you have been paid for it, then no. The vehicle now belongs to the insurance company.
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PostPosted: Sun Jan 03, 2010 1:25 pm   Post subject:   

If you've kept your vehicle (retained salvage) then yes..but why would you?



Your friend can buy a deck lid from a 'gallion' salvage yards....call a few though, as prices do vary...also just because it's the same color (or paint code) does NOT mean it will be a perfect match.....trust me....



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PostPosted: Tue Jan 05, 2010 6:09 pm   Post subject:   

Many years ago I had a different view on things and I had cars that really had personal value to me. Once I even decided to lose money just because I didn't want to give up that car (it was a simple small Honda but hey, it was the first one I bought myself).

Nowadays I wouldn't suggest to anybody to mix emotional and financial aspects at all.

Car totaled and no way around it? Just go with it and move on. You save yourself a lot of stress.

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PostPosted: Tue Jan 05, 2010 6:38 pm   Post subject: totaled by insurance co  

Air bags deployed no other damage, car drives and runs beautiflly.Ins co said the car only worth 3500.00 dollars, we want to keep thecar, the air bag repair is 4000.00 dollars, what happens now


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