insurance total loss BS

[Slippin'eight-nine]

Nice! Im glad that worked out for you! Time for some upgrades

[allenms240]

What? they paid 2k for that?!?!
I guess I'm just a nice person on the streets. Personally, I would've taken 500 at most.
But then again, who says no to cash!

[whitey240]

I went through a similar situation. I talked the other persons insurance company for giving me 1 penny below the threshold and just took that. It wasn't the value I needed to fix the car but I wasn't totally out of luck

[Initial_R90]

she did you a favor lol.

[KiLLeR2001]

Clean title two-tone lives on!

[Extreme Dimensions]

Congrats on the clean title.

My miata is clean title, but really really really shouldn't be lol because racecar.

silvia front end time?

[economix]

Just an idea, and most folks should apply this thinking at least since our vehicles (240s) are significantly under-valued given the work we put into them. Have your car appraised. Grab what receipts you have, work with the appraiser and let them know the time you have into it and anything else you can think of. You'll ultimately pay more to insure your vehicle, but it puts a greater value on your vehicle should you wreck it or you're put into this situation in the future again, you'll be compensated accordingly.

Just a thought moving forward if you don't want that sort of headache again.

[lude4life13]

Originally Posted by economix

Just an idea, and most folks should apply this thinking at least since our vehicles (240s) are significantly under-valued given the work we put into them. Have your car appraised. Grab what receipts you have, work with the appraiser and let them know the time you have into it and anything else you can think of. You'll ultimately pay more to insure your vehicle, but it puts a greater value on your vehicle should you wreck it or you're put into this situation in the future again, you'll be compensated accordingly.

Just a thought moving forward if you don't want that sort of headache again.

This guy knows what he is talking about. Don't wait until an accident to address this issue. Talk about it before and get an appraisal before. I personally put together an 11 page pdf document showing parts etc etc etc for my insurance company (State Farm) and therefore if anything ever happens to the car I will get $8,000 no questions asked. Appraisal companies will put the same thing together for you for a couple hundred dollars.

[economix]

^^^ worth every bit of the extra time and cost IF/WHEN something goes awry ^^^

[WristWork]

Turned out for the better, silvia front now and lose that poor pignose!

[Future240]

*Puts on Insurance Adjuster Hat*

Zilvia there is a simple way to avoid incidents like this. Find an insurance company that will allow you to insure your car and the parts that are on it. Most companies call it endorsing. Basically underwriting your car for what you paid to have in it***. If your car is worth $2000 and you endorse $5000 worth of parts if an accident happens you have a value of $7000.

Do this and choose the lowest deductible your company has. That way if something happens like it did to OP you can toss them 25-100 bucks and boom no worries about your car being totaled. Then your company will subrogate (go after the other company for your deductible and monies they paid out) the other company and all is good.

Not all companies will do this. Ask you agent/service department whether they will or not.

***Note I said what you have paid for. They won't care if your aero cost $2000 new. If you paid $1000 for it they will most likely consider it's value $1000. Though some companies will haggle it with you.

*Mod hat back on*

[Ramonesfreak2010]

I showed my insurance $10k of receipts and got $5000 back. The accident was my fault. Core support was fucked. I bought a new shell for $800, spent the rest on new parts...

Win/win.

Who cares if you get a salvaged title.

[WristWork]

The person buying your car

[wattupbaii]

Its really simple, you're getting 2k for a salvage tittle. If you decide to sell the car later on you may get a grand less because someone bitching about the tittle but you still got another grand of free money.
Take a plunger to the fender and pull it out, thats not deep. I had a dent in my rear fender that was 8 inches in and i pulled it out with a pulley and a hammer. That aint nothing, dont waste your money on a new fender thats an easy fix.

[FaLKoN240]

My friend that works in insurance/body shop field said for MOST CARS, each panel damaged is going to be roughly 1k.

Buying NEW OEM parts (is expensive, we all know that), then shipping them, paying a shop for LABOR (in Cali = $$$), time, materials, etc. Comes out to about $1k per panel.

[silviasandbeer]

Go buy a lotto ticket!
Its your lucky freaking day!

[Oakville]

nooo sil front...chuki front

[bc.]

Originally Posted by Oakville

nooo sil front...chuki front

^ this guy is drunk, don't listen to him. Sil front and keep it a two-tone.

/end thread

[rawgarage]

damn 1950 for that?

[fliprayzin240sx]

Well, I got a buddy who's about to go thru Hagerty. He said so far he's quoted roughly $680 for 6 months on a 90 Foxbody that he's trying to insure for $12K. If he wrecks, Hagerty will pay him out the $12K. Only catch is this car can't be his DD and thats for 10K miles for the year. Still don't think its bad...if he wants more mileage, he'd pay like $30-40 more/6 months.

[singlecamslam]

As far as i know the car has never been wrecked, i had it since 07, and i swapped headlight assemblies cause both my motors went out. I've heard of Hagerty, and 10k miles a year isnt bad at all when your cluster doesnt work.

[Moncef]

Originally Posted by singlecamslam

As far as i know the car has never been wrecked, i had it since 07, and i swapped headlight assemblies cause both my motors went out. I've heard of Hagerty, and 10k miles a year isnt bad at all when your cluster doesnt work.

LOL




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