Can you keep a totaled car?

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PostPosted: Wed Jan 06, 2010 1:41 pm   Post subject:   

It would be a very rare occurance for there to be NO damage and bag deployment...did it bottom out? front end hit? what deployed the bags?



In my state, cost of the airbag replacement (as well as sales tax and towing) come out of the estimate as it relates to the 80% total loss (state) law. I don't know if it's the case in your state or not.



Are you planning to keep this car and not replace the airbags? Not a good idea, nor (IMO) is putting used bags in the car. What is your plan if the replacement of the bags costs more than you will be getting from the carrier?



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PostPosted: Tue Jan 19, 2010 3:55 pm   Post subject: GST  

When vehicle is written off, are you entitled to GST reimbursement on the replacement vehicle.


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PostPosted: Tue Jan 19, 2010 9:58 pm   Post subject:   

By 'written off" do you mean totaled? Is GST something to do with sales tax? If so..yes



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PostPosted: Tue Apr 13, 2010 5:19 pm   Post subject: how can i keep my car  

I live in FL, I have a car that i want to keep, the car is not totaled but not drive able, how can i keep it without buying a tag?

thanks you.


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PostPosted: Wed Apr 14, 2010 12:05 am   Post subject:   

Are you not planning to drive it anywhere? ever? Why would you want a vehicle that is not licensed?



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PostPosted: Wed Apr 14, 2010 3:47 am   Post subject:   

its just an old car that i want to keep as a toy....but anyways, is it possible to keep the car without having to pay for the tag?


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PostPosted: Wed Apr 14, 2010 11:13 am   Post subject:   

contact your DMV..they'd know



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PostPosted: Mon Apr 19, 2010 4:11 pm   Post subject: First Car Purchase  

Hi everyone, I have question on my recent car purchase. You guys might think I'm an idiot, but here's the situation:



I just bought my first car - a 1998 Honda Civic LX for $2200 (negotiated down from 3k). It's a little dinged up and needs tires, but otherwise appears in great shape, interior especially. Has 136k on it, which didn't seem half bad for a 12 year old car.



Anyway, I made a $300 down payment for the car to the owner, with the intent of transferring the remaining amount the following day.



While driving the car the 50 miles home, it handled just fine, but I noticed some slow shifting (it's an automatic, so switching drive to reverse). Given I didn't get the chance prior to initiating the purchase, I ran the CarFax report when I got home, and found out the car has been totalled twice. Now, granted it was totalled when it was 10 years old already and only worth about 3k, but this was obviously upsetting to find out.



So the question is, what do I do now? The car appears to run just fine except for the slightly slow shifting and minor issues like cruise control not working and the driver side backdoor not opening from the outside. If it was totalled, it was obviously repaired to a good level. I ran the VIN with my insurance company and the car is still insurable. My biggest concern is if the slow shifting is indicating a dying transmission.



(To be fair, the owner did buy the car from a couple moving out of the country, with the intent to sell, and took the previous owner's word on the history of the car. We both should've checked the history prior to intiating the transaction.)



Do I try to get my money back and return the car, or try to negotiate for a lower price given the vehicle history and keep it?



I have a mechanic friend who's going to take a look at it, but any additional advice would be greatly appreciated! Thanks!


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PostPosted: Tue Apr 20, 2010 8:28 pm   Post subject:   

You need to find out at that tranny and what it will cost you to replace..I'm bettin' on 1500-2k...THEN make the decision, whether or not to back out of the deal...



stupid question...did you check the transmission fluid level?



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PostPosted: Sun Oct 10, 2010 6:21 pm   Post subject: insurance demand salvage on a working van I need for my disa  

My precious disability van was scraped by a drooping ceiling at the UCLA medical center, there was no sign hanging down, it there had been it would have hit my window and I would have stopped at once! The drooping ceiling was not visible to the naked eye. Two days later, one of the ambulance drivers did the same thing, only she knocked the sign down on the lane she went through! The hospital denied all responsibility and claimed there was a sign, they put one up weeks later! Hartford will not work with me, my van works fine the damage was cosmetic and no suggestion was made that I try any particular body shops. Hartford have been dragging their feet and now they are flooding me with the same idiotic demands that my van is a total loss, but I have been driving "a total loss" all over town, the vehicle is sound, no body damage was incurred, only a little fiber glass. They said, when I

had the top dum dummed, so it would be waterproof at last, my nerves could not take the rain damage, they now said it wasn't repaired up to their standard, which would have been more than replacing a specialty vehicle needed by a disabled person!!!!!!!


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PostPosted: Mon Oct 11, 2010 1:03 am   Post subject:   

CJVPD . . .



Visit the CA Dept of Insurance website, www.insurance.ca.gov and click on the "Consumers" tab on the very left end of the red bar across the upper portion of the home page.



On the consumer page you will find a link to file a "Request for Assistance" (i.e., complaint) in your dispute with the insurance company. You can fill that out online and submit it electronically. The CDI will typically contact you in response within 7-10 business days, either in writing or by mail.



If you are being "abused" by the insurance company, they'll get to the bottom of it pretty quickly.



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PostPosted: Tue Oct 19, 2010 5:29 pm   Post subject:   

My car was wrecked and it was a hit and run. I have the police report and I filed a claim on the other persons insurance because he was at fault..they made a settlement for less than the book value of the car and now I have to come up with 1000 dollars to buy me another car or I will be walking. Can I take the settlement money instead and jus purchase my own vehicle?


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PostPosted: Tue Oct 19, 2010 6:34 pm   Post subject:   

Quote:
. Can I take the settlement money instead and jus purchase my own vehicle?
My own... as in the wrecked vehicle? What would happen is that you'd ask to retain it. The insurance company would then deduct the salvage value from their offer. This could work as long as you don't have a lien on the current vehicle. Also, the insurance company may be required to ask the DMV to change the title to a "salvage" title. You need to ask about this and check with the DMV as to how this affects registration.



You should also review the insurance companies valuation on the vehicle to make sure it's correct. I've seen them have things wrong such as the model of the vehicle, the mileage, options, etc.


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PostPosted: Mon Nov 01, 2010 8:35 pm   Post subject: Keeping my totaled car  

After I file a claim with my insurance co and they say my car is totaled and they want to pay me a settlement, can I back out of the claim and just fix the car myself?The only damage is the bumper and tail light. Rolling Eyes


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PostPosted: Mon Nov 01, 2010 9:21 pm   Post subject:   

Quote:
can I back out of the claim and just fix the car myself?
Certainly but I don't see why. it being an "at fault" or "not at fault" accident is not going to change. It's still going to be a claim... just closed with no payment. The insurance company will either ask you to submit a letter to this effect or they can send you one, stating that you wish to withdraw the claim and giving you xx amount of days to contact them if that is not correct.
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