Quote:
Originally Posted by S14DB
Since she is at fault they have to cover everything done to the car.
What you need to do is find comps. They have to pay the replacement cost of the car. Find cars with the same major features for sale. RB swaped, silvia fronts, two tones. Show them how much it would cost for you to buy another car with the same things as yours. They don't care how much you put into it. They care about how much it would cost you to buy another one exactly like yours.
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^^^^This, i just went thru this crap a month ago. You should have gone thru YOUR insurance, showed them a print out of every similar mods, mileage, year, S13s atleast within 100 mile radius of where you're at. The goal is to make sure you're car doesnt hit 50% damage threshold to what the car is worth in their eyes. So you have to convince the adjuster that the car is worth more than what they think. You're insurance adjuster would be more willing to play ball since they dont care, they're not the one paying you. All they're gonna do is bill Nation wide.
The kicker is now you went thru Nation wide, its been reported and they have fodder to counter your insurance. Talk to your insurance company and talk to an adjuster ASAP. If you can convince them that the car is worth more than $5K, you shouldn't hit that 50% total loss threshold.
My insurance calculated that I have $3200 worth of damage and just played the numbers by not putting down a number of what they think the car is worth. Adjuster basically just said that she believes the car is worth more than $7K and $3200 is less than the 50% so they didnt total it.
Damage since the other driver thought redlights are optional:
$2200 later of insurance money and saving $1K in my bank account:
