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#1
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car totaled... insurance claims negotiation?
A quick question-
My car was totaled, and the insurance company offered me a settlement. How negotiable is this figure? What points can I typically argue on? I did some googling, but didn't come up with much. My car: His car: I think I won [img]/images/graemlins/smile.gif[/img] |
#2
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Re: car totaled... insurance claims negotiation?
Don't have a lot of experience with this, but I'd go to Edmunds.com and find out what it would cost to buy your car from a dealer. You can key in all the pertinentt info like color, miles, options, ect.
If the insurance company's offer is higher, take it. If not, show them what you found. I'm guessing they use NADA for their values, which should work in your favor. But, it never hurts to check. |
#3
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Re: car totaled... insurance claims negotiation?
basically everything Roundguy said. Use vehix.com, autotrader etc etc and look around for cars that have similar mileage to yours. NADA, Edmunds, KBB will all be pretty similar. Make sure you arm yourself with this information and treat negotiations with your insurance company just like you would buying a car. Remain polite but firm and let them know that you've done your homework. They may drag their feet a litle before they settle but they will settle. I can't guarantee this strategy works everywhere but in Massachusetts it certainly does.
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#4
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Re: car totaled... insurance claims negotiation?
Ya,
I'm looking at numbers in Edmunds and KBB. Can I include costs for like tax/tags/etc in the number? |
#5
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Re: car totaled... insurance claims negotiation?
Is it the other driver's ins. co or yours? If yours you'll need some kind of hard fast evidence to argue up. If theirs they might try to lowball you. Either way I'd be happy if you get around the middle KBB value (private party value I think).
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#6
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Re: car totaled... insurance claims negotiation?
Man, when I totaled my beat up explorer that I bought for $900 three months earlier, and the insurance company offered me 3300, I about shitted my pants.
They gave me more then usual because of A) low mileage, B) new tires, and yes, they also gave me money for tax/title transfer, etc. So you may be able to argue more money if you have had any wearable parts recently serviced? Time to finally get that elusive Z!!? |
#7
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Re: car totaled... insurance claims negotiation?
Suzzer,
Based on the damage, I'm guessing the other guy was taking a right turn into traffic (like turning onto a road from a side street) and Hero smacked him, so it's the other guy's insurance that will pay. |
#8
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Re: car totaled... insurance claims negotiation?
geez, the first picture didn't seem so bad...then the 2nd and 3rd pics looks like the first car got into another accident.
Glad you are ok? |
#9
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Re: car totaled... insurance claims negotiation?
[ QUOTE ]
geez, the first picture didn't seem so bad...then the 2nd and 3rd pics looks like the first car got into another accident. [/ QUOTE ] And gee, isn't it funny that the first car is black, and the 2nd/3rd is BLUE!!! That was some freakin' accident to actually change the car's color. punkass needs to work on his comprehension skills.... [img]/images/graemlins/smile.gif[/img] |
#10
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Re: car totaled... insurance claims negotiation?
[ QUOTE ]
[ QUOTE ] geez, the first picture didn't seem so bad...then the 2nd and 3rd pics looks like the first car got into another accident. [/ QUOTE ] And gee, isn't it funny that the first car is black, and the 2nd/3rd is BLUE!!! That was some freakin' accident to actually change the car's color. punkass needs to work on his comprehension skills.... [img]/images/graemlins/smile.gif[/img] [/ QUOTE ] I = stupid. |
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