My Car

[MrsBlue]

<span style="color: #3333FF">So I was in an accident last month. My faithful Camry that I have owned for almost seven years and put 140K miles on was injured in the accident.

Fortunately the other driver was at fault and had decent insurance. They had me go to one of their body shops for an estimate but I didn't leave the car with them because I wanted to get more than one estimate. The guy did the estimate and told me that since I wasn't leaving it with them, the insurance company would be sending me the payment to have it fixed.

After not hearing anything for a week or so, I called the insurance company and they told me that they had written my car off as a loss and would be paying me for the value of my car. Then he named some ridiculous amount that I would never be able to replace my car for.

I told the man that he can't take my car and he said I could keep the car but they would minus a salvage fee of $1,000. Leaving not only not enough to replace my car, but not enough to have it fixed, either.

To add insult to injury, I got a mailing from the insurance company inviting me to switch to their insurance. </span>

[Pepper]

Re: My Car

They can't force you to salvage your car. You can take the money and fix it up yourself at a small shop.

I forget how it works, but you can 'buy' the car back from them or something like that.

[j-kid]

Re: My Car

Insurance companies, nutting but ah bunch of low-life thieves.

[Dr.Dudd]

Re: My Car

Deal with your insurance instead. They will collect from the other driver's insurance for your damage.

[MrsBlue]

Re: My Car

<div class="ubbcode-block"><div class="ubbcode-header">Originally Posted By: Pepper</div><div class="ubbcode-body">They can't force you to salvage your car. You can take the money and fix it up yourself at a small shop.

I forget how it works, but you can 'buy' the car back from them or something like that. </div></div><span style="color: #3333FF">Yeah, minus the salvage fee, what they would have gotten by selling the car to salvage.

We probably will wind up going to some small place to get a price for fixing it, hopefully it will be affordable.</span>

[MrsBlue]

Re: My Car

<div class="ubbcode-block"><div class="ubbcode-header">Originally Posted By: Dr.Dudd</div><div class="ubbcode-body">Deal with your insurance instead. They will collect from the other driver's insurance for your damage. </div></div> <span style="color: #3333FF">I hadn't considered going through my own insurance. I have a feeling they will tell me that I have to go through the other company or if they do take the claim they will wind up writing off the car, also.</span>

[Dr.Dudd]

Re: My Car

<div class="ubbcode-block"><div class="ubbcode-header">Originally Posted By: MrsBlue</div><div class="ubbcode-body"><div class="ubbcode-block"><div class="ubbcode-header">Originally Posted By: Dr.Dudd</div><div class="ubbcode-body">Deal with your insurance instead. They will collect from the other driver's insurance for your damage. </div></div> <span style="color: #3333FF">I hadn't considered going through my own insurance. I have a feeling they will tell me that I have to go through the other company or if they do take the claim they will wind up writing off the car, also.</span> </div></div>Every state laws are different,but it does not cost your insurur anything. The reason why th eother insurer is frying tyo pay you book value is because they have to foot the bill. Since your insurur willrecoup every dime, from th eother inbsurer,they will make sure you are satisfied. They are more likely to repair the car. your cannot pay you book value unless the car is deemed unrepairable by the police. That would have happend when the police first looked atth ecar.

[turtledude]

Re: My Car

My truck got rear ended and totalled beyond repair about 5 years ago. I figured I lost about $3k on an $7.5k truck. It didn't matter which side's insurance company handled it (the offer's are calculated by a separate company they ALL subtract to), ...but they all offer dispute processes if you can prove the value of your car. The only thing is....is that they are gambling you won't have the patience and time it takes to wade through the process. The legal assistant told me to get over it and &quot;move on&quot; with my life. It wasn't worth the fight. I wuz [censored]!
Also, when I first turned the whole thing over to an honest lawyer he told me that, beyond the car value &quot;thing&quot;, if there is an injury involved, even minor, they are usually willing to finally settle for $10k beyond medical costs, but again, it is an excruciating process that most people are unwilling to follow through on. It was 2 1/2 yrs of time (with only 2 months of chiropractic work) for me...and 2 deposition hearings where they tried to make me look like a criminal....even though none of it was my fault, and I played it 100% straight. good luck! Let us know how you come out on the deal!

[Boopie2]

Re: My Car

They usually give you the blue book value of the car.