Did you recently take on (or consider) a loan of 84 months or longer on a car purchase?
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I think you mean carfax.com, but hey both links work.
Now your insurance might have some sort of rider to cover a replacement vehicle as noted in your original message. Check with the insurance company.
As for totalling - every company has a threshold for total loss. Again check with your insurer.
GAP insurance will cover the difference between what you owe and what insurance pays you if it's totalled. Any downpayment or trade you made is gone forever.
Last - based on the fact that you pulled out of a one way street in the wrong direction, you are at least 50% at fault.
Good Luck.
I've heard of cars hitting bicycles, and bikes hitting parked cars to avoid an accident. This is an odd one though. An inattentive bike rider hitting a car in a parking lot.
Repair Estimate (so far) $9,000
Diminished Value 3,000
Total Claim (so far) $12,000
Book Value vs Actual Purchase Price = not the same.
These two cars have clean carfaxes.............
GEEZ...I sure hope those cars don't get fixed again....can't see how they would.
INCIDENT WITH BIKE -- your GF may have screwed up. Bicyclist could possibly have been liable for damage, or you might have recovered the deductible. A bicyclist has to obey all traffic rules far as I recall.
All you have to do is steal their identical twins.. swap VINs, locks and a few modules and whos the wiser?
That is the oldest trick in the book. If a girl wants a guy's number she bumps him and then gets his number "so I can call you with my insurance info"
Check her pocketbook. I bet you find his number there.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
I know my current agent only works M-F 9-5, but I'm guessing there must be somebody out there who writes MA insurance online or over the phone at weekends.
Oh, the joys of Taxachusetts' weird insurance regime...
(For those of you who don't know, none of the majors will touch MA. Allstate should be renamed 49-state. And Progressive, State Farm and Geico also steer clear of here.)
But you should check with your agent before you take off.
nj2pa2nc: How does your daughter's car run? If they do decide to repair my car... I'm worried that it will need fixed left and right.
Don't wait till you break up to try to collect. It will be to late by then. See it happen on Judge Judy all the time.
LOL, just goes to show you, free advice is worth every penny you pay!
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
http://www.mass.gov/rmv/faq/registration.htm#16
As for your agent not working - your insurance company might. Try calling them direct to see if they are available on the weekend.
As for the MA insurance program - I'm looking forward to real competition because I'm an experienced, suburban driver with an excellent driving record and credit history. I pity those without the above because it'll be just like the last time they tried competition - rates rose 3-400% overnight. I remember my Dad's 73 Vega costing over $1K to insure because we lived in the city. The car wasn't worth $3K brand new!!
It has been 12 years since I sold my business and I'm still honored to get a 'phone call from a former client/friend who has a need to get some advice.
My wife, the pharmacist, often receives professional calls as well.
We are happy to retire where we worked as it is my intention to dance with the people who paid for the band.
IF it were up to me..any DUI driver wouldn't be allowed to drive again. It's public transportation for life! Hopefully you didn't kill anyone or injure anyone,other than yourself. US sober drivers are the ones who suffer, some for life, because you had to drive drunk! Everyone 'finds God' in prison as well...then WE are suppose to forgive them for murder or rape.
BUT since you asked a question politely, the basic answer is...every insurance company will look at your entire record. They will see IF you have any other accidents or DUI's, your age of course, male or female, all the standard stuff, and if they take you as a customer, they will base it on your entire record, not just that 1 event. But it will be higher,usually for a period of time,1 or more years.
Try the major companies, State Farm, Geico, etc...but you may end up with a 'mom and pop' insurance company,if the big guys find your record to dangerous. Can you tell I have no compassion for drunks?! 'Recovering' or not. :mad:
tidester, host
SUVs and Smart Shopper
You got behind the wheel of a 3,000+ pound chunk of steel capable of exceeding 100 miles per hour while drunk. Not only did you drive while drunk but you caused an accident while unfit to operate a motor vehicle. Hopefully your foolish actions did not hurt or kill anyone.
So now you are going to have to pay for it, plain and simple. It's called consequences for your actions, you clearly learned nothing from your experience. No offense, a drunk killed my Fiancee so I don't have any sympathy. Pay up and deal with it.
Alkie's do not have excellent credit ratings, thus you will pay more than you can afford to based on your driving record.
If you believe this was a one shot encounter, you're in denial and we all hope you stop driving whether you find very expensive insurance or not. Believe it or not, but taking taxis over a period of the next five years will be a lot more economical than buying the most expensive Liability insurance. Public transporation, if they allow you to board, is your future method of travel.
Your question should not be the cost of insurance, but should I continue to inflict my driving on others. Just stay off the road. :sick:
Sorry, but I am in agreement with the previous posters, including the most stringent posters, so I will not repeat what they said, except that finding your Maker has no meaning, it is up to you to stop drinking, and you did...
While you will pay thru the nose for insurance and other things, one thing you might try is the various rehab centers, both medical and run by the state (those DUI defensive courses)...AA is good, I am sure, but maybe rehab programs with monitoring might add something to your improvement...
I do not know which ins co may be lenient with you, but going thru the rehab may allow your premiums to drop a few years in the future instead of MANY years in the future...
I would have posted like the others, but they have said what needed to be said...DUI is TOTALLY under our control, and few people have any sympathy when you voluntarily and intentionally place all of our lives at risk instead of renting a taxi or get a friend to drive you home...
Nuff said...
I won't repeat what the others have said as they've said it better than I could. But you came here asking ins advice. The only experience I have with DUI is from my brothers, which happened years ago and in NY state. The laws are tougher now and we all know each state is different.
Expect to pay astronomical rates, even for the minimal coverage. Drive a beater that doesn't need comp or collision. Sometimes it can take your current ins co a year or so to run your record but since you had an accident, Progressive already knows. Stay with them until they cancel you as they are one of the more "Progressive" companies. They might just jack up your rates and keep you.
So, you might have that to look forward to.
As everyone has said,your ins is going to skyrocket.
Be glad you don't sell cars for a living. A co-worker of mine had a DUI(in his own car thank God)but, we had to let him go because our dealer insurance would no longer cover him.
My car had less than 5,000 miles on it at the time of the accident and sustained $17,000.00 worth of damage. I will not accept this. I told him to come out and do his inspection. IMO, they should have done this in May when I sent the appraisal to them.
Any suggestions?
So even if the repairs are perfect, one could argue for inherent DV.
The insurance company pays for your repairs NOW, not when you sell the car, so DV should be the same.
I agree, DV is more like an art than a science...I don't see how one could scientifically calculate DV.
Because it has been six months since the crash, advise the adjuster that due to his non compliance with "Fair Claims Practices Act" he is a target for a "Failure to Bargain in Good Faith" suit. Sic em! :mad:
Friday afternoon, a car full of teenagers made a left turn in front of me and I had nowhere to go but into them.
Initial estimate from the body shop - $2900. I suspect that number will go up as the climate control system in my car wasn't working after the accident - no cold air blowing and no digital display.
A couple of weeks ago, I had my car appraised for trade in at $8300.
State Farm says that the $2900 figure is 28% of the value of my car - roughly $10,300 or so.
So, when I talk to State Farm about DV, which number should I use? I'm guessing the $10,300 number, but am curious as to what others might think.
The car in question is a 2003 Saturn L300 - 64K, better than average condition, loaded.
KBB showed 'good' trade in value as $8600.
I'd say $1,000-1,500 DV is about right.
The AC no worky because the condensor was almost certainly damaged and you instantly lost your refrigerant.
'Course I don't understand why they didn't total your car either.
"lost" it how? there were no visible leaks after the accident, and I was able to drive the car approximately 15 miles to the body shop.
I should be pressing State Farm for about $1000-1500 for DV, then, correct?
shifty, i guess i'm a bit slow today ... what exactly do you mean by state farms number being fair? the way i see it, by raising the value of the car, then they are also raising the threshhold of when they can declare the car totalled.
75% of $10,300 is $7725
75% of $8300 is $6225
Granted, I don't imagine for a moment that the cost to repair my car will approach either of the two numbers above ... I figure maybe $4K max, plus the cost of the rental while the car is in the shop.
VERY common on front end hits.
Insurance companies always answer these claims in one of three ways. They either accept your report and pay you; OR they may deny your report and say, "Sue us"; OR most often they come back with, "Yeh, we probably owe you something but, holy cow, you're asking for the moon." It's their way of saying, "Let's negotiate."
I would have your attorney respond with a series of questions making them explain to you IN WRITING the exact method they used to come up with the figure they offered; what amounts have they paid on previous claims, etc. I'm guessing they grabbed a number out of the air which they cannot justify (especially in light of the fact that they have not seen your car) - one that is very favorable to the insurer. Since they don't like people asking questions they have to answer and they definitely don't like creating paper trails, they might just pay you what you've claimed to go away.
Here's a couple of links to my website where you'll find a good deal of information about Diminished Value and Safe Collision Repairs
David Williams
Diminished Value Expert
When air conditioning coolant leaks out it evaporates almost immediately so it would be very difficult to tell from just a simple visual examination whether there had been a leak. You would have to measure the internal pressue to determine whether a leak had occurred. Also, a failed air conditioner alone will not make it impossible to drive the vehicle.
tidester, host
SUVs and Smart Shopper
The replacement cost is roughly equivalent to retail value to purchase a similar car .. d'oh!
The explanation of the A/C problem also makes sense.
I'll give my agent a call today and see what happens.
Since MOST PD is fairly cut and dried, if we also represented the client for PD, we would "accept" (heh,heh) a 1/3 fee for their PD damages...this way, the Client has the use of ALL the $$$ from the PD Dept...
I have been with Progressive insurance all this while and am having a hard time paying the cost. I checked my quote with GEICO which is coming over $2000.
Please help me and advice if you can.
Thanks.