New York Mustangs
ROUSH 4
I completely understand this.......Sad decision to make. Weigh all the factors if it comes to that. If they say totalled ya got to let the stang go. They wont authorize repair.
dadnpony
Crap ! That sucks, hope it works out !
On Edge
Totaled is just a percentage, which is normally at 75-80%, not necessary the actual state of a vehicle. Ie... A fender and door repair would total out my great running 1991 Honda. If there's a chance of frame damage, it'll be totaled. 2 choices: let them take it and you get a check or you " buy it back" and fix it yourself. Also, if the accident is not clear cut as to fault, it may take you a while to get your $. If they're both a % at fault, you will get % of $ from both parties. Not fun.
On Edge
If your car wasn't that great, this could be a blessing in disguise.
ANGIE 06
do you still owe $ on the car?
mattstang
Glad you are all right.
TDHJSilver06
There is always unseen damage underneath the plastic that pops back after an accident! Have to actaully pull off the outer "skin" of fender, bumper cover and hood to start looking at all the metal of the unibody. The unibody won't pop back it will bend or crease. Look at door gaps, hood gap by wipers, look down each body line from rear of car to see if front may have shifted to one side. NEVER NEVER accept estimate if the parts are not removed to see damage below! I think those photo estimates on your phone sent to insurance company are a joke! They call them crumple zones for a reason!
mattstang
Do you have the receipts for all the mods that you did to it? I believe they are going to offer you blue book for it without the mods. You need to let them know that your car was in excellent condition. Maybe someone on this forum can add to this.
TDHJSilver06
The insurance company will always low ball you! You own the car so until you agree on amount of damage and if it is fixable it's still your car! Receipts for all mods help prove price to replace or fix. Unless they offer price you want for everything you have into the car then don't settle. It's your car you choose to fix or replace not them! It may be easier to go through your own insurance then have them go after the other company for reimbursement. Sucks that you have to fight for your money and your car!
On Edge
yes it's your car, but you DO NOT choose to total or repair, the insurance company chooses to total or repair. most insurance companies will give you fair market value.it sounds like the car will be totaled, it sounds like you wanted to sell the car, so like I said, it could be a blessing in disguise.