12-24-2019, 09:05 PM | #31 |
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Some of my colleagues were sating that you don't get a fair price. Again, all this is new to me and I am learning as I go along. I was not invested in any particular option because I did not understand/know much.
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12-24-2019, 09:05 PM | #32 |
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Some states are no fault and others aren't.
In Michigan you have to get your insurance involved no matter what, their a no fault state. Where as in Illinois you can just deal with the person that hit you insurance company. It varies from state to state. |
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12-24-2019, 09:16 PM | #33 |
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You can negotiate the amount, but you’ll have to do some due diligence and be ready to hit them with facts.
If you’re ok with having a big repair, close to matching paint, and depreciated value then keep it. If you want a fresh start, go for the total loss and negotiate a settlement that you’re happy with.
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12-25-2019, 12:55 AM | #34 |
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12-25-2019, 02:50 AM | #35 | |
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I had similar situation, someone rear ended me luckily it was my pickup, my insurance was dealing with that, it was not my fault and I didn't have to pay deductible
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12-25-2019, 12:18 PM | #36 |
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This happened to me and my wife. I t-boned a Ford raptor and damage was minimal (hood, bumper, headlight) but all the air bags went off. They totalled the car with only 6000 miles on it. I really didn't want to drive a car that was fixed after a major accident. My insurance totalled it but his insurance didn't want to total it. It was other drivers fault so geico took it to arbitration and totalled it out
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12-25-2019, 12:26 PM | #37 |
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Maybe it's different in Canada or with certain companies. I was told I would have to pay the deductible if I filed a claim with my insurance company state farm. So i just called and dealt only with the other party's insurance.
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12-25-2019, 02:00 PM | #38 | |
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12-25-2019, 02:34 PM | #39 |
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I think if you want your own insurance to go after other parties, you have to pay for deductible and then once they figured out I got it back 3 weeks later
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12-25-2019, 02:41 PM | #40 |
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That's exactly what they told me but because it was 100% his fault from the beginning they didn't take deductible
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12-25-2019, 04:12 PM | #42 | |
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While totaling the car at other party's expense is the best outcome, getting the fair value out of them is still a potential battle for OP. |
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12-25-2019, 07:28 PM | #44 |
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