by Guest » Mon Oct 07, 2013 01:30 pm
My 1969 VW Type III Squareback front skirt, driver's side fender, and front hood were damaged after the car skidded from wet brakes after going through water accumulation from rainfall. The policeman at the scene yanked my driver's side door open against my wishes and caused door damage by doing that, when he could have protected me and the car by allowing me safely to enter the passenger side to get the necessary papers for him to do his report. I had earlier exited the passenger side to avoid damage to that driver's side door, trying to keep the damage to a minimum.
There was not enough impact to cause physical damage to the car in front of me, or myself. However, my insurance company has declared the car a total loss with damaged estimated at $4,333.40. I would have to meet a $500.00 deductible and other yard costs (?), but I want to keep the car and have located good, in not perfect replacement pieces from Arizona. I am very frustrated with my own insurance company who I have been with for 25 years.
I believe the VW is worth more than they figure it to be. It had been through a semi-restoration in the last few years, inside and out. The NADA website values this 1969 Volkswagon Type 3 Squareback Wagon 2 door sedan at Original MSRP of $2,470 and at current low retail of $4,625, of Average Retail at $8,300 and at High Retail of $15,000. I figure my car would be at least Average Retail.
I do not as yet have a garage, so I did not obtain Collector's insurance. If I can keep the car, I will have to find a way to garage it. In the meantime, I am OK with paying the cost of a regular policy for the near future. I am 72 years old and have a good driving record, and who knows how long into the future I will have to pay in order to keep my "baby." She runs well, and it depresses me to think that I have no choice in who the next owner of this car would be, especially not being scraped for body parts.
I am anxious to avoid having to go through the process to have first a salvage title and then a DOT approved new title. I am not INTO having new cars or new anything. I like old stuff well enough. I feel I am being emotionally damaged by this as well, and even severe depression is no stranger to me. I am skirting that now.
Please offer me whatever advice you can to assist me in traveling through this difficult experience. Thank you, and I look forward to your reply.
There was not enough impact to cause physical damage to the car in front of me, or myself. However, my insurance company has declared the car a total loss with damaged estimated at $4,333.40. I would have to meet a $500.00 deductible and other yard costs (?), but I want to keep the car and have located good, in not perfect replacement pieces from Arizona. I am very frustrated with my own insurance company who I have been with for 25 years.
I believe the VW is worth more than they figure it to be. It had been through a semi-restoration in the last few years, inside and out. The NADA website values this 1969 Volkswagon Type 3 Squareback Wagon 2 door sedan at Original MSRP of $2,470 and at current low retail of $4,625, of Average Retail at $8,300 and at High Retail of $15,000. I figure my car would be at least Average Retail.
I do not as yet have a garage, so I did not obtain Collector's insurance. If I can keep the car, I will have to find a way to garage it. In the meantime, I am OK with paying the cost of a regular policy for the near future. I am 72 years old and have a good driving record, and who knows how long into the future I will have to pay in order to keep my "baby." She runs well, and it depresses me to think that I have no choice in who the next owner of this car would be, especially not being scraped for body parts.
I am anxious to avoid having to go through the process to have first a salvage title and then a DOT approved new title. I am not INTO having new cars or new anything. I like old stuff well enough. I feel I am being emotionally damaged by this as well, and even severe depression is no stranger to me. I am skirting that now.
Please offer me whatever advice you can to assist me in traveling through this difficult experience. Thank you, and I look forward to your reply.
Posted: Mon Oct 07, 2013 03:06 pm Post Subject:
The NADA website values this 1969 Volkswagon Type 3 Squareback Wagon 2 door sedan at Original MSRP of $2,470 and at current low retail of $4,625, of Average Retail at $8,300 and at High Retail of $15,000.
I don't find these values online. I find Clean Retail, Clean Trade In, Average Trade In and Rouge Trade In.
I'd recommend obtaining a copy of the insurance companies valuation and review it. I can almost guarentee if they use CCC then it's going to be WAY off on this type of vehicle. If it's CCC, call your adjuster and let them know you don't feel that it's correct. Ask them to have CCC review and expand their search. The adjuster may not know this can be done... but it can. This will have someone at CCC manually review the information. You should also find other VW's close to yours and their selling prices. Give the adjuster this research.
Posted: Fri Oct 11, 2013 06:50 pm Post Subject:
I am anxious to avoid having to go through the process to have first a salvage title and then a DOT approved new title
If you intend on keeping the vehicle, you cannot avoid this. If you thought your vehicle was a "collector's" item, then you needed to have a stated-value contract that established a total loss valuation for the vehicle and would have paid a premium according to the risk of loss.You didn't do that, and are stuck with the value of a 34-year- old vehicle, which is pretty close to ZERO. The scrap metal value is probably higher than the salvage vehicle value.
I am being emotionally damaged by this as well, and even severe depression is no stranger to me. I am skirting that now.
Enough with the DRAMA! The accident was your fault, you cannot sue yourself. Get over it and get on with the remaining years of your life.And get a newer vehicle. A '69 VW squareback is not worth saving. A '69 Camaro, Mustang, GTO, Charger, El Camino, Monte Carlo SS, Corvette, Jaguar XKE, or Porshce 912 . . . now those were real cars.
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