SVX crumpled by a Jeep bumper, how bad?

[Wikedjuggalo]

Originally Posted by SoCal LS-L

So the adjuster is coming today, is there anything I should look for as far as her assessment of the damage so as to make sure im not getting screwed?

Yeah don't bend over if she asks you to. But seriously don't just take her word that its totaled if she says it. I don't know the laws but I am pretty sure you are able to get it evaluated by someone else.

[SoCal LS-L]

Ok all done w the adjuster. Her estimate, $1800. Nevada law says if the cost of the repairs exceeds 65% of the vehicles value, they are required to total it. KBB for my car, $2495 in fair, $2995 in good condition. Mine is right in the middle of that, so about $2750. 1800/2750 = 65.5%.

So in all honesty I could argue that with the work I have done on the engine and exhaust, the car could be worth $2900, making the damage 62%. This is close enough to argue against totaling my car out right? What else could I tell this claims rep when they call to make them reconsider totaling my car (which means less money for me to fix it since they deduct for keeping the car).

Headaches

[Wikedjuggalo]

Originally Posted by SoCal LS-L

Ok all done w the adjuster. Her estimate, $1800. Nevada law says if the cost of the repairs exceeds 65% of the vehicles value, they are required to total it. KBB for my car, $2495 in fair, $2995 in good condition. Mine is right in the middle of that, so about $2750. 1800/2750 = 65.5%.

So in all honesty I could argue that with the work I have done on the engine and exhaust, the car could be worth $2900, making the damage 62%. This is close enough to argue against totaling my car out right? What else could I tell this claims rep when they call to make them reconsider totaling my car (which means less money for me to fix it since they deduct for keeping the car).

Headaches

You probably want to avoid totaling it. I am sure if you push the subject you can get it below the 65% and yes I believe you can argue the work done to the car.

[1986nate]

Originally Posted by Wikedjuggalo

You probably want to avoid totaling it. I am sure if you push the subject you can get it below the 65% and yes I believe you can argue the work done to the car.

+1 Check over the paperwork as to what the costs are for everything. And yeah, just argue saying you have done a lot of work on it and whatnot. Sadly, the Kbb value doesn't mean much to insurance companies. My 92 was valued at 2900 by the insurance company. Luckily, it was enough to cover the $2870 in work that was done 105,000 miles, exterior was in great shape otherwise, interior in excellent shape. It's a good thing they didn't ask me to start it up and take it for a drive though since it did have the bad tranny and piston slap. I'm sure if I would have had to fight, I could have since I did have a few receipts of parts I had ordered and replaced.

But who knows, ask Trevor (I can't remember his name on here) about his experience. I believe they valued his car at $2700 at first. And he was able to fight and ended up getting it valued at $4500 or something like that. His was a 92 with 174k on it or something. He did have aftermarket rims and had done a lot of work though.

Edit: It was Tiv0. Here's his thread

[SoCal LS-L]

Originally Posted by 1986nate

+1 Check over the paperwork as to what the costs are for everything. And yeah, just argue saying you have done a lot of work on it and whatnot. Sadly, the Kbb value doesn't mean much to insurance companies. My 92 was valued at 2900 by the insurance company. Luckily, it was enough to cover the $2870 in work that was done 105,000 miles, exterior was in great shape otherwise, interior in excellent shape. It's a good thing they didn't ask me to start it up and take it for a drive though since it did have the bad tranny and piston slap. I'm sure if I would have had to fight, I could have since I did have a few receipts of parts I had ordered and replaced.

But who knows, ask Trevor (I can't remember his name on here) about his experience. I believe they valued his car at $2700 at first. And he was able to fight and ended up getting it valued at $4500 or something like that. His was a 92 with 174k on it or something. He did have aftermarket rims and had done a lot of work though.

Edit: It was Tiv0. Here's his thread

Cool, thanks for the link Nate. I just got a call from State Farm and they are NOT totaling it. They will be cutting me a check for $1800. Does anyone remember a thread showing how to take the rear seat panels off? I can probably figure it out for myself but would rather not break clips or anything to learn.

[1986nate]

Originally Posted by SoCal LS-L

Cool, thanks for the link Nate. I just got a call from State Farm and they are NOT totaling it. They will be cutting me a check for $1800. Does anyone remember a thread showing how to take the rear seat panels off? I can probably figure it out for myself but would rather not break clips or anything to learn.

Like the interior panels? the seat has to come out first.

Great news that it's not totaled!