by bestpolicypartner » Mon Dec 18, 2017 06:03 pm
I have a 2008 Toyota Camry that's in... less than ideal condition. I live in Long Island, and spend most of my time in Brooklyn, New York.
It has 105,000 miles on it or so. I've owned it since I bought it in 2007 (although at one point the title was in a friend's name for a few years near the beginning of its life, while I only had a permit)
The interior is pretty dirty, and has a few small issues that are easily fix-up-able
The right side is scratched up, has a dent that makes the front right door have issues, and needs a new mirror
Both bumpers have dings, dents. A rear light has missing plexiglass on it.
I was recently in a small accident that caused the front left bumper to be dented, and has damaged the suspension / shocks / steering in some capacity (it thinks it's driving straight when the steering wheel is crooked, turning feels strange, some noises from the shocks)
My deductible is $200
The insurance assessor thought it might end up being totaled because of the suspension issues, but that given its (apparently low?) milage, it might end up being saved
Do I want it to be totaled? With a car in this condition, would I be able to get a reasonable amount back from it - enough to buy a used car in good enough condition to replace the car I've been driving?
Or should I try to convince the insurance adjustor not to total it?
It has 105,000 miles on it or so. I've owned it since I bought it in 2007 (although at one point the title was in a friend's name for a few years near the beginning of its life, while I only had a permit)
The interior is pretty dirty, and has a few small issues that are easily fix-up-able
The right side is scratched up, has a dent that makes the front right door have issues, and needs a new mirror
Both bumpers have dings, dents. A rear light has missing plexiglass on it.
I was recently in a small accident that caused the front left bumper to be dented, and has damaged the suspension / shocks / steering in some capacity (it thinks it's driving straight when the steering wheel is crooked, turning feels strange, some noises from the shocks)
My deductible is $200
The insurance assessor thought it might end up being totaled because of the suspension issues, but that given its (apparently low?) milage, it might end up being saved
Do I want it to be totaled? With a car in this condition, would I be able to get a reasonable amount back from it - enough to buy a used car in good enough condition to replace the car I've been driving?
Or should I try to convince the insurance adjustor not to total it?
Posted: Mon Dec 18, 2017 06:31 pm Post Subject: Clarification
To be super clear about my question:
The insurance adjustor seemed a fairly sympathetic person
If I can say something now that would convince him to either go ahead with a covered repair, or to go ahead and total it and give me a check, which seems the more preferable option in my scenario?
I.e. would totalling it and cutting me a check likely afford me a vehicle that's in as good / useable condition (and maybe better aesthetic condition) than my current car?
If not, it makes more sense for me to try to sway him towards a repair, no?
Posted: Thu Feb 22, 2018 12:49 pm Post Subject: Insurance
Previous post is totally right - you're paying your insurance and they have to provide you with all that included, so be aware. And dont look for anonymous car insurance
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