i might be leaving the family Options

[macavely]

well got home today and the phone rings... its the insurance company... my celi is worth $3100. the damage is worth $3400 so they want to declare it a total lose.. so my happy mood just went away... all this cause some one want to hit my car while it's parked then bounce like a little bitch.. so now i have to think about what i want to do keep her or take the insureance money and make a down and another car... welll just wanted to vent...

[gas65]

Use these 3 sites and get a figure of how much each values your car at.


http://www.nada.com/

http://www.kbb.com/

http://www.freecarquotes.net/black_book.as...&OVMTC=standard

Now go out to 3 used car dealerships(Toyota Dealerships give higher values) and ask them to give you a price quote for the FAIR MARKET VALUE of your car.Bring them pics if you can't drive the car to them.Just ask them to write down how much they would ask for your car in the condition it was before it was damaged if they had it on their lot.If you get a low price from them, go to another dealer.

Now you have 3 book values, and 3 auto dealer prices, now go to cars.com and do a search for your car within a 100 mile radius.Print a copy of the page showing how much these cars are selling for.Try to find 3 in the same shape as yours, and print up the ads for them with the asking price.

Now give all of this stuff to your insurance adjuster along with any receipts you have for improvements to your car.Also make sure the adjuster is throwing in tax, title, and license fees with the price he is giving you.Explain to him you have to pay that if you buy another car, so it should be added(some states require they add it), just don't let them forget about it because they will if they think they can get by with it.


My lawyer told me the adjuster has to have to some kind of proof for giving out more money than their actual set amount.So let the adjuster know he can make copies of any paperwork you have presented to him, or give him the originals if you don't need them.

I hope this helps you out, it actually brought my car up from $4100 with all fee's to around $6000 just by doing a for things like visiting a few dealerships, getting book values online, and by supplying a few ads for the same car for sale locally.

Good Luck

This post has been edited by gas65: Mar 23, 2004 - 12:10 PM