He was in center lane, then turned right...into me, so it should be his fault. My car is a 1997 Saturn. They want to total it. I was just wondering what I can do. All I really want is for them to fix it, to have a rental paid for while it is being fixed and to just move on from this. My car is worth (blue book value) $2575, but online the cheapest I could find is ~$6500 for the same car. Repairs from their estimate are $1780, but then an added expense of rental would be included. I don't want to be stuck with a damage car and no money to fix it. Any help would be great!! Thanks
2006-11-21 08:46:09 · 4 answers · asked by thanx4helping 1 in Cars & Transportation ➔ Insurance & Registration
No, if it's totalled, you can't get them to pay you for getting it repaired. And I find it hard to believe that there are 1997 Saturns online for that much money! The car is almost 10 years old! Insurance does not use Blue Book. They use a variety of different methods, but it all boils down to Actual Cash Value, which is what you could buy the same vehicle for if you had to replace it. And again, 6500 seems a bit high.
All the insurance company is responsible for is to put you in pre-accident condition, and if they pay for repairs on a totaled vehicle they are putting you in a better position than before. They should pay for rental regardless, but if it's totaled then they won't pay indefinitely. You need to be looking for another car, and it sounds like you are doing that.
2006-11-21 08:55:30 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
Generally, if his insurance is going to pay for it, you won't get a check. You'll get the expenses paid to a repair shop of your choosing.
I'm not sure about IN laws, but you should have the option. Take his insurance Co's money and get it repaired.
PS - I checked eBay and 1997 Saturns on there max out at $3,200.
2006-11-21 09:04:09 · answer #2 · answered by MoltarRocks 7 · 0⤊ 0⤋
i'm pretty sure they will total your car out, ask them for a rental car but remember that they will only pay for the rental car until
they close your claim out
2006-11-21 22:21:41 · answer #3 · answered by Loollea 6 · 0⤊ 0⤋
I'd try to convince the ins. co. that you're car is worth more. You don't want to fix it and have a salvage title either.
2006-11-21 08:53:21 · answer #4 · answered by Papa John 6 · 0⤊ 0⤋