2006-08-21 12:17:35 · 5 answers · asked by Careen I 1 in Cars & Transportation ➔ Insurance & Registration
No. If it's repairable and the repairs are not 80% of the ACV (we're not talking Kelly Blue Book) they will not total it. All states and all companies are different, but in general that's what will probably happen. Every case is different, and there are many variables not covered in the question that could figure in, but in general, you don't get to direct them to total the vehicle if it's not.
2006-08-21 14:11:51 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
nope. Although Kelly is usually high and w/ 8K in damages the car is probably a total loss as there will be additional damages. Ask them to check the value of your car. Don't demand. Also, before you call the insurance co., call the shop. Ask them if they feel if there will be a supplement, if so, use this to your advantage when asking the insurance co to check the value. If you mention this, they will check the value especially as most states laws state that a vehicle is a total loss if the damages are 75-80% of the value.
2006-08-22 09:45:12 · answer #2 · answered by deadcars42 3 · 0⤊ 0⤋
Depends...I live in a state that requires vehicle be totaled if repair costs reach 75% of the value of the car. Some states are 80%, some up to 100%. You can insist till you are blue but the policy is the policy and state law is, well, law. If you are really that twisted about it then ask for a cash-out vs repair then sell the vehicle as-is. Note: the claiment carrier is under no obligation to pay your leinholder. If you owe money on your vehicle YOU have the obligation to protect the leinholder.
2006-08-21 22:01:33 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Most insurance companies go to 80% of a cars total value before it is considered a total loss. Unless it is Progressive and then they go to 100%. But no you can't insist that they total it. They will do what they want. But by telling them you don't really want it fixed they can try to total it with thier estimate.
2006-08-23 12:01:10 · answer #4 · answered by rancherogirl351 2 · 0⤊ 0⤋
Most of the time, no, but it's not all that bad, because after they start pulling the car apart, it's likely they'll find more damage, and it really MIGHT end up being totalled.
2006-08-21 22:48:34 · answer #5 · answered by Anonymous 7 · 0⤊ 0⤋