WRECKKKKKKKKKKKKKED, Hit a deer!! Options

[NOVAKx17]

Welll last night i hit a deer coming home.

did a decent amount of damage and i'm waiting for the insurance adjuster to get here.
the lady at the actual insurance placed judged it from being 1600-2800 dollars in damage.


I shall need a new bumper, headlight, fender, and hood. . . According to the insurance lady..

soooooooo say i get 2200.....

i already ordered a pair of used headlights for 60 dollars!
and i can get another stock front bumper for 100 dollars locally.
.... leave the hood and fender the way they are...

and put 2000 into my celica possibly?







This post has been edited by NOVAKx17: Jun 28, 2010 - 10:24 AM

[richee3]

I hate deer.

Yeah, you might get $2,200 for the damage, less your deductible. Probably $500, right? That means you'll only get $1,700. And then you can source yourself a bumper, but what about paint? Hopefully you can match it to your car without paint. And truthfully, you're completely at the mercy of the claims adjuster. Whatever they say about your car/policy, that's final. Argue with them all you want, but the fact of the matter is that the adjuster is God when it comes to paying claims. The lady at the insurance agency only gave you a quote based on her opinion, MAYBE a generalized cheat sheet, and her opinion does not reflect what the adjuster will tell you. Better do a little brown nosing when the adjuster shows up. If the adjuster says the car is totaled, you'll get only what he deems it to be worth the instant before the collision.

If you don't mind me asking, what insurance company are you with? State Farm is good about paying their claims, as is Progressive. Other companies are reputable as well, but several companies will argue with you to the death. Again, a lot of it comes down the the claims adjuster though. If he feels like it, he'll be nice and call it a comprehensive claim and things will go much more smoothly for you. If he's in a bad mood, he can call it a collision claim, since you very clearly hit the deer with the front of your car and not the deer hitting the side or rear of your car.

/ insurance talk.

The important thing is that you're ok. Deer collisions can be much, much worse. Take my word for that. Get a deer coming through your driver's side window and you'll know exactly what I'm talking about. And I wish you the best of luck with the claim and getting some extra cash to sink into the Celi.