Theives Took My Baby... Now What?
07-08-2015 | 04:49 AM
#12
Registered User
Joined: Dec 2014
Posts: 27
Likes: 0
From: Beautiful hills of Tennessee
Gator, check out your State Insurance Commission rules on total loss cars. In Tennessee the law is that even if the insurance company totals the car, you have the right to keep it (at no additional cost) even if they pay it off. The only issue then is re-insuring it and some insurance companies require it to be re-inspected by the State before ruling it "street legal". Just a thought and "Sorry for your loss" just doesn't seem to be enough. If you find the thugs that trashed it maybe you can get "Vito da Blade" to pay them a visit!
07-08-2015 | 09:11 AM
#14
Registered User
Joined: Aug 2007
Posts: 4,359
Likes: 2
From: Houston, TX
You could but then you'd be committing insurance fraud.
07-08-2015 | 09:48 AM
#15
Community Organizer
Joined: Nov 2005
Posts: 16,546
Likes: 711
From: Maryland
Yes, of course ask all these questions with your insurance agent, but several of the questions about the process are perfect to ask here because others have been through it and can give extra insight and guidance. And who knows how helpful, thorough, or communicative the agent will be? Some are good and some are not.
It's strictly about costs versus value of car when it comes to their decision about totaling it. If it was me, and I was certain the car has been otherwise structurally and mechanically sound, I would be finding ways to *not* have them total it so I could keep it. I might consider aftermarket seats, for instance. To me the most important aspects are structural and mechanical. Interior bits can be replaced. Top can be replaced. But finding another structurally and mechanically unmolested example as a replacement can be challenging.
But you need to do some research, get some numbers, find out what insurance wants to do, etc. This will take time. After you have all your info. Then weigh out the pros and cons and decide what's best for you.
Sorry to hear about this. Sucks.
It's strictly about costs versus value of car when it comes to their decision about totaling it. If it was me, and I was certain the car has been otherwise structurally and mechanically sound, I would be finding ways to *not* have them total it so I could keep it. I might consider aftermarket seats, for instance. To me the most important aspects are structural and mechanical. Interior bits can be replaced. Top can be replaced. But finding another structurally and mechanically unmolested example as a replacement can be challenging.
But you need to do some research, get some numbers, find out what insurance wants to do, etc. This will take time. After you have all your info. Then weigh out the pros and cons and decide what's best for you.
Sorry to hear about this. Sucks.
07-08-2015 | 01:32 PM
#18
Joined: Jan 2003
Posts: 2,176
Likes: 80
From: Granville OH
I hope you catch these guys.
Over the years several members have told about their car being totaled and being able to keep it. For no other reason, you could make a few bucks parting it out.
Do you think your alarm went off and the thieves disabled it and kept working on it? That makes it sound like these guys are pros.
Over the years several members have told about their car being totaled and being able to keep it. For no other reason, you could make a few bucks parting it out.
Do you think your alarm went off and the thieves disabled it and kept working on it? That makes it sound like these guys are pros.
07-08-2015 | 02:42 PM
#19
Registered User
Joined: Apr 2013
Posts: 854
Likes: 2
A $1000 deductible isnt a good option.
I played with a $1000 deductible online when I was shopping for insurance a few months and the difference between $500 and a $1000 deductible was a small savings.
Def not worth it in the event of a claim.
As for your car getting totaled, I doubt it will happen.
Book value on your has to be at least $16k.
I played with a $1000 deductible online when I was shopping for insurance a few months and the difference between $500 and a $1000 deductible was a small savings.
Def not worth it in the event of a claim.
As for your car getting totaled, I doubt it will happen.
Book value on your has to be at least $16k.
