Quote:
Originally Posted by Minnesota51
For an older car like our Legends, you're way totaled.
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Quote:
Originally Posted by Minnesota51
I'm not sure who this is directed at because I NEVER said a car would be totaled because of age. A car would be totaled because of a low value and excessive damage. Quite simple.
Thank you. I do know how the insurance company's work. More importantly, do you know how they work with the body shops and salvage yards?
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Before you attack me you should re-read your statement above that I have again re-quoted you on. You will notice that if you "Read" it instead of looking at it as having written it that you directly state that older cars are totaled simply due to age.
And yes, I have worked with insurance companies and I know how they do there basis.
I also know that if you are not the one at fault you have a lot more leeway in an accident and in getting "What you want".
And, from experience, that you can force an insurance company to use Retail Value (I.E. Dealer Replacement Cost from KBB/NADA) to value the car and force them to fix up to that amount.
Basically if Blue Book shows it should cost you $8,000.00 to replace your vehicle and the other person hit you, then you can force them to value the car at $8,000 in regards to repairs.
If I remember correctly also, someone else on these forums did just that with there Legend a couple years ago. They were in an accident where the other person was at fault and the insurance company tried to total his car. Instead he forced the insurance company to fix his car.
As a matter of principal if you are not the one at fault you can get the insurance company to do a lot just to avoid the "Potential" of going to court.
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1995 Legend GS: Acquired 6/22/06
1965 Plymouth Belvedere - Bought new and past to 4th Generation now
2005 Dodge Grand Caravan SXT - Wife won't let me get rid of it for an MDX.
