I rear done a car concluding friday and from what i saw and from what the cops told me is that the damage is worse(the front of the vehicle is completely messed up,no bumper and engine was hit and totally out of shape).
I am hoping they would total my saloon, its a 2001 nissan altima
i got 2 question now:
.within my accident report ,it be stated that estimated damage is 2000 and the saloon is drivable. My car wasn even close to drivable and they have to tow it to a yard and the plunder is definitely over 2000, i am calling the officer who wrote down the report for clarification but unqualified to reach him.I inevitability to fix this soon ,if at all he could write the definite scenario there.
2.I am have sleepless nights thinking they might repair my sports car and give it to me. I crashed into a 2006 BMW :( and he only just had any sabotage on his rear but his estmiated weaken was mentioned as 4000 surrounded by the accident report.
Shoud i bid the officer and get the report revised?Is it possible?
On what cirumstances would the insurance comapny total my coup¨¦??
Please please advice. I unsuccessfully need some realisitic prediction,i own just started earn and i dont have much money to cart of this.
PS: no DUI, road was raining n it was raining heavily. So i am pretty much clear on those aspects and i get full insurance coverage.
waiting for ur response.
the cop is not an insurance adjuster so dont worry roughly it
as far as yours gos if its only sheet metal they will fix yours
Ok, first past its sell-by date. It absolutelyl doesnt matter WHATSOEVER what amount the police put on here. I always enjoy a hard time awareness why people are concerned nearly this when they call within... im perfectly aware that police officer arent mechanics and i dont really care how much blight they think here is!
Now, its simple.. your car will be totalled if it will cost more to repair afterwards the vehicles worth. And a short time ago to give you a head up.. it doesnt matter how much you owe etc.... they dispense you the "actual cash value" of the vehicle. CHeck out nada.com to catch an idea of what that will be. If they do wish your car is repairable...dont verbs about it. They arent going to repair a sports car that shouldnt be repaired (could you imagine the lawsuits?!)
Also.... i hope you hold high policy ends for your property damage (not to freak you out.. a short time ago saying) if you totalled a 30k mercedes.. and only own 10k in property weaken coverage... you would owe the other 20k!
Answers: Although it can vary from state to state - most state law require that a car be deem a total loss if the cost to repair the vehicle (including parts and labor) equal or exceed 75% of the cars market significance. If your air heaps deployed - I can tell you in a minute that you will be over 75%.
Once they deem your car a total loss - the insurance company will fashion you an offer base on the cars "actual cash value" (acv). This is what you could sensibly have sold the vehicle for prior to it being wrecked given it's condition, milage, option. Keep in mind -most cars doing a tour are not top retail condition - there will usually be some type of speculation from the retail value.
The insurance company does not retribution off your vehicle note. You can be "upside down". This ability you owe more than your car is worth. If this happen - lenders will do a substatution of collateral and roll the balance of your current sports car loan into your new coup¨¦ note (if you hold been a angelic customer). First money goes to the nouns company -anything left over go to you.
There are lots of books out there that transmit you the value of your sports car. The industry standard is the NADA (National Automobile Dealers Association) book. They also have a net site - www.nadaguides.com. The insurance company will take the retail efficacy of the vehicle and + or - for the condition/milage of your vehicle. The insurance company will not settle with you base on Kelly Blue Book.
Some insurance companies subscribe to computer valuation programs (such as CCC) that will suggest a value for your vehicle. These programs are usually more accurate for reflecting what you could own sold the car for. If the insurance company uses something approaching this - they will be able to show it to you.
I am hoping they would total my saloon, its a 2001 nissan altima
i got 2 question now:
.within my accident report ,it be stated that estimated damage is 2000 and the saloon is drivable. My car wasn even close to drivable and they have to tow it to a yard and the plunder is definitely over 2000, i am calling the officer who wrote down the report for clarification but unqualified to reach him.I inevitability to fix this soon ,if at all he could write the definite scenario there.
2.I am have sleepless nights thinking they might repair my sports car and give it to me. I crashed into a 2006 BMW :( and he only just had any sabotage on his rear but his estmiated weaken was mentioned as 4000 surrounded by the accident report.
Shoud i bid the officer and get the report revised?Is it possible?
On what cirumstances would the insurance comapny total my coup¨¦??
Please please advice. I unsuccessfully need some realisitic prediction,i own just started earn and i dont have much money to cart of this.
PS: no DUI, road was raining n it was raining heavily. So i am pretty much clear on those aspects and i get full insurance coverage.
waiting for ur response.
Uk short residence sports car insurance up...
the cop is not an insurance adjuster so dont worry roughly it
as far as yours gos if its only sheet metal they will fix yours
In North Carolina what is the process...
Ok, first past its sell-by date. It absolutelyl doesnt matter WHATSOEVER what amount the police put on here. I always enjoy a hard time awareness why people are concerned nearly this when they call within... im perfectly aware that police officer arent mechanics and i dont really care how much blight they think here is!
Now, its simple.. your car will be totalled if it will cost more to repair afterwards the vehicles worth. And a short time ago to give you a head up.. it doesnt matter how much you owe etc.... they dispense you the "actual cash value" of the vehicle. CHeck out nada.com to catch an idea of what that will be. If they do wish your car is repairable...dont verbs about it. They arent going to repair a sports car that shouldnt be repaired (could you imagine the lawsuits?!)
Also.... i hope you hold high policy ends for your property damage (not to freak you out.. a short time ago saying) if you totalled a 30k mercedes.. and only own 10k in property weaken coverage... you would owe the other 20k!
Answers: Although it can vary from state to state - most state law require that a car be deem a total loss if the cost to repair the vehicle (including parts and labor) equal or exceed 75% of the cars market significance. If your air heaps deployed - I can tell you in a minute that you will be over 75%.
Once they deem your car a total loss - the insurance company will fashion you an offer base on the cars "actual cash value" (acv). This is what you could sensibly have sold the vehicle for prior to it being wrecked given it's condition, milage, option. Keep in mind -most cars doing a tour are not top retail condition - there will usually be some type of speculation from the retail value.
The insurance company does not retribution off your vehicle note. You can be "upside down". This ability you owe more than your car is worth. If this happen - lenders will do a substatution of collateral and roll the balance of your current sports car loan into your new coup¨¦ note (if you hold been a angelic customer). First money goes to the nouns company -anything left over go to you.
There are lots of books out there that transmit you the value of your sports car. The industry standard is the NADA (National Automobile Dealers Association) book. They also have a net site - www.nadaguides.com. The insurance company will take the retail efficacy of the vehicle and + or - for the condition/milage of your vehicle. The insurance company will not settle with you base on Kelly Blue Book.
Some insurance companies subscribe to computer valuation programs (such as CCC) that will suggest a value for your vehicle. These programs are usually more accurate for reflecting what you could own sold the car for. If the insurance company uses something approaching this - they will be able to show it to you.
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