i think my car is going to end up being diagnosed as "totalled" after an accident last night... i called & left a message at my insurance agent (state farm) but havent' heard back yet. i'm not sure what the process is...
2007-08-09 03:26:35 · 12 answers · asked by Ember Halo 6 in Cars & Transportation ➔ Insurance & Registration
good idea! i JUST got new tires on the thing a couple months ago & did a LOT of maintenance / tune up stuff just last week...
also, will i be able to go get all my stuff out of it???
2007-08-09 03:35:32 · update #1
i have a $1000 deductable for collision, also emergency roadside assistance... it's pretty much that "full" coverage.
2007-08-09 03:36:32 · update #2
not sure who will be at fault... i'm guessing us because we rear-ended them (even though they were driving stupid--they didn't even stop for another 1/2 mile & we couldn't drive 50 ft & there was nothing but a scratch on their bumper. they 'said' they weren't even going to file a claim)
2007-08-09 03:38:33 · update #3
it's a '98 subaru outback, high miles, paid off.
2007-08-09 04:13:55 · update #4
Hiya:
#1. Do you know where you car is?
If so...go out there and get your stuff. (A tow yard is a REALLY bad place to leave your stuff)
#2. Go on State Farms web site and get the claims reporting number. Call and report the claim YOURSELF. ASAP.
(Agents sometimes don't have your best interests at heart. It's that old thing about 'looking out for one's self. They can sometimes get knocked and well....does anyone want to get knocked? no)
#3. EVERYONE has a duty to mitigate their damages. That means when you go out to get the stuff out of your car........make sure the windows are rolled up. (You don't want it to rain and get the interior all wet)
#4. Try to get things in order to expedite your claim.
Someone will inspect your vehicle - likely at the tow yard. After your vehicle has been inspected - call the tow yard to release the vehicle. If the car is repairable - the shop will need to come and get it. They can't get it if you haven't released it. If it is a total loss - the salvage company will have to come and get it. You get the picture, right?
In the case of a total loss? Have your title information handy. If you have a lien - know your account number. Know the lien holders phone number. Do you know how much your payoff is? If there isn't a lien: Have your title IN HAND! If you left it somewhere and don't know where it is? Go get a duplicate. You can't settle the total loss without the title.
Sound good?
Hope no one was hurt. Goodluck!
~jifr!
2007-08-09 03:54:27 · answer #1 · answered by Jifr 4 · 1⤊ 0⤋
Not enough information to give you an answer.
Was the accident your fault? If not, no worries, the other person's insurance will make you whole if your vehicle is totaled.
If it was your fault, what is your coverage? Do you have what is erroneously called "full coverage"? Do you have collision coverage that will cover at fault damage? If yes, they will make you whole, less your deductible amount, and take care of anyone else you damaged up to the limits of your policy. If not they will just take care of other damages up to the limits of your policy.
In either case, they will probably send an adjuster to look at your vehicle, and based on that they will decide if it's totaled or not, so it may be a while before they know.
As always, your agent is the best source to get your questions answered.
2007-08-09 03:33:46 · answer #2 · answered by oklatom 7 · 2⤊ 0⤋
I have State Farm and this is how they have handled my claims. Their adjuster will examine the car. If totalled, they will use the blue book value to pay the value of the car minus your deductable. Add-ons not specifically insured will not be covered. (I had running boards on my truck and they would not pay for them in a hit and run accident even though I had full coverage) Get your personal belongings out of the car as soon as possible. Good luck.
2007-08-09 04:15:35 · answer #3 · answered by sensible_man 7 · 1⤊ 0⤋
the insurance company will investigate the accident and depending on who was at fault and what type of coverage you have will determine the actions of the insurance . . a man crashed into my sisters truck (his fault) and her truck was totaled . . her truck(1993 F150) was paid for so the insurance company cut her a check the day after the accident for 6500.00 the current value of the truck and she was still able to sell the remains to the salvage company where the truck was towed to, and able to put the amount the salvage co gave her and the ins. towards the purchase of a new vehicle . .
2007-08-09 03:42:20 · answer #4 · answered by Rainy 5 · 1⤊ 0⤋
You didn't mention the type of car, but if it's a newer car and it's financed, the insurance company will most likely pay you less than you owe on it. They don't care how much is owed on the car, they are only obligated to pay you fair market value. If you have gap insurance, that would cover the difference between the 2 amounts. If not, you are going to have to dig into your pocket to pay the difference to your lender.
2007-08-09 04:08:22 · answer #5 · answered by Anonymous · 1⤊ 0⤋
If the value of the car is less than the estimated repair costs, every insurance company will deem the vehicle "totaled".
In such case, you are entitled to your personal possessions inside the vehicle, but, anything "attached" to the vehicle then becomes the property of the insurance company, regardless of who actually bought whatever is "attached", e.g. tires, custom wheels, bangin stereo, etc. If you are concerned about any of these things, you have the right to them before the adjuster views the vehicle. Best of luck.
2007-08-09 03:41:46 · answer #6 · answered by midastouch37 1 · 1⤊ 0⤋
DEPENDING ON THE VALUE OF THE CAR THE INSURANCE COMPANY IS GOING TO TRY TO PAY YOU THE LEAST AMOUNT IT CAN. THEY WILL TRY TO GIVE YOU LESS THAN THE ACTUAL VALUE. GO TO SEVERAL DEALERS IN YOUR AREA AND PRICE THE VEHICLE WITH THEM. THEN TELL THE INSURANCE AGENT YOU WANT FAIR MARKET VALUE TO REPLACE YOU VEHICLE AND THEN GIVE THEM YOU RESEARCH FROM THE DEALERS THAT HAD CARS THE SAME AS YOURS WITH THE SAME EQUIPMENT. ALSO GIVE THEM ANY RECENT REPAIR OR UPGRADES BILLS YOU HAVE LIKE NEW TIRES, OR A NEW ENGINE PART OR TRANSMISSION ETC.
2007-08-09 03:33:22 · answer #7 · answered by FILE 4 · 1⤊ 0⤋
I have State Farm, they will send an adjuster to where your car has been towed, and they will check it out to determine if it is a total loss. If so, they will take the car and cut you a check! TA DA Ya I agree with "FILE" about Informing your adjuster about upgrades etc.
2007-08-09 03:33:29 · answer #8 · answered by Anonymous · 3⤊ 0⤋
If they want to total it, they give you fair value but NEVER enough for a new car. You will be disappointed. AND your replacement car will have a hefty bill for its insurance. Were you at fault??? That will hurt too.
2007-08-09 03:35:04 · answer #9 · answered by fire_inur_eyes 7 · 2⤊ 0⤋
you're probably just get the blue book value, only if you had full coverage.
2007-08-09 03:37:10 · answer #10 · answered by pretty granny 3 · 1⤊ 0⤋