Tree damaged truck. How do I keep truck and collect insurance?

Question

A tree fell on my truck. The damage consists of a cracked windshield and a few dents/scratches on the top of the truck, hood, etc. This vehicle is my commuter, and I only plan on keeping it for another year, although it is quite reliable. If I make an insurance claim they will likely total the vehicle.
Is it possible to get a claim (even if it totals the vehicle), take the cash, and keep the totaled vehicle?

Company said "Act of God, file a claim w/ your own insurance."

Truck is a 1993 Chevrolet S-10 with 160k miles on it. It still runs great and gets 27mpg (not bad for a V-6, much less being 14 years old). So, although the paint is wearing a little thin, what some may see as a "creampuff" makes for a very reliable daily driver.

Answer 1

should be able to.....and even if they total it and have it hauled to the salvage yard.....they might sell it back to you .

Answer 2

Dude, if a cracked windsheild and some dings on the roof total your truck it must be a REAL creampuff. Get a repair estimate from a good bodyshop first then check the value of your truck against it. It could be you will be better off driving it for another year before you file a claim (usually you have up to three years to make a claim -- just keep all your information on file somewhere).
PS - Mr. Wiseguy is an idiot so don't listen to him.

Answer 3

certain, they could yet in a large number of cases the monetary organization might want to placed a lien on the truck. So the legal proprietor won't be able to promote the it until eventually the personal loan is paid off. If the monetary organization repossesses the truck, they are taking the loss. So, the lien is the further helpful way for them to get their funds again plus interest.

Answer 4

Well the process starts by making a claim to the owner of the tree. His/Her insurance company will come up with an estimate of the damages. If you agree you get a check, cash it and spend the money anyway you want.

If you don't agree you talk to the company and see if you can resolve it.

If they 'total' the car, just talk to them and have them deduct the value of the wreck from your agreed payment. Then try to have them simply pay it as damages. If they declare it totaled and you accept it, you will possibly have to deal with the DMV to be able to keep it registered.

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Answer 5

they will more than likely total the veh. roof dmg is very expensive to fix. if you file and they total it. you can "retain salvage" which means they will give you fair market value if they keep it but normally they will sell it back to you for whatever the veh could have been sold for in your market. you wont get both dmgs and comp for the veh so dont expect it. the insurance company is there to indemnify you no more no less...doesnt matter

Answer 6

Your insurance company does not own your truck. You do.

They cannot tell you what to do with your truck. They can only tell you what they're willing to do for you.

When you bought your policy, you were buying a financial device for yourself to use under certain specified circumstances.

Well, you just had a circumstance. Now, if your policy covers the risk, you have financial assistance for whatever it is you want to do with your truck.

If you don't want to repair it, tell them you want to cash out. They'll probably tell you they don't want to extend collision or comprehensive coverage (material damage lines) on a damaged truck. That's their prerogative.
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Answer 7

most insurance comps, allow you to buy back a totaled car for as low as a doller. but I dougt yours will be totaled