My car was in a wreck and the other car was responsible. Their insurance adjuster said the car was damaged and needed repair, and they would pay. They said the repair was not enough to total the car, But it wasn't much below the total value of the car. I think that really the repairs will cost more than that. What happens if when I take it into an autoshop they say, actually, the car is totalled, it's not worth repairing? What should I do?
2006-11-19 14:36:02 · 6 answers · asked by Nico 1 in Cars & Transportation ➔ Insurance & Registration
Don't fret -- make sure your car is at a quality body shop that works with insurance companies. If the shop disassembles the car and discovers additional damage they will inform the insurance company. If the cost to repair exceeds the value of the car, or, in many states, exceeds a set percentage of the value, the car will be considered a total loss. There is nothing for the insurance company to gain by repairing vs totaling your car. They don't care -- believe me. Just pick a good repair shop!
2006-11-19 16:57:22 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Cowboy Bill is right. The insurance company doesn't want a totaled vehicle out on the road if it shouldn't be, and they don't care about the cost to total or repair. They will do what's right based on the estimate of damages.
2006-11-20 06:10:27 · answer #2 · answered by Chris 5 · 0⤊ 0⤋
Make sure the body shop you choose deals with that insurance company. They will work everything out. The body shop wants to fix your car so they can make money from the insurance company. The insurance company wants to fix your car, because their body shop is probably charging them less for the repairs than they would charge you (after all, you will have to go to a body shop that deals with them unless you want the hassle of shopping around). The insurance would rather shell out cash to a body shop they have a contract with and do business with then cut a check to you.
Finally, if the estimate for the repairs is more than the value of the car, it will be deemed totalled. And the insurance company will not snow you, because they want to give you the lesser of the two amounts of money (repairs or value of car)
2006-11-19 22:41:47 · answer #3 · answered by BAWAGS 2 · 1⤊ 1⤋
IF you take it to a repair shop and they say "Actually the car is totaled" then they will call the insurance and tell them that, but it's not very likely they will. If the adjuster looked and said it isn't, there is an excellent chance it isn't and will be fixed instead. They are the experts on such matters.
2006-11-19 22:41:02 · answer #4 · answered by oklatom 7 · 0⤊ 1⤋
It's not their call on whether to total it or not, they get paid to fix it, nothing else. You just need to insure that the car is repaired correctly.
2006-11-19 23:23:07 · answer #5 · answered by Anonymous · 0⤊ 0⤋
have it repaired the insurer is paying 4 it , then sell it
2006-11-19 22:39:16 · answer #6 · answered by warchild1st 1 · 0⤊ 1⤋