Do you have settle for the value of the car rather than fixing the car?

Answer 1

You have not provided enough information to answer you question so I am going to assume some things. I am assuming you had an accident and the insurance company told you the car was close to being totalled. go to www.kellybluebook.com and input your cars information under private party sale then under whole-sale now you know what your car is worth on the open market in your area. let us say the number is $1000. Now, bring your car to an autobody shop and have them give you an estimate of damage, remembering that this amount is without taking things off your car. once you taake things off your car it will be more. lets say that amount is $1000. The insurance company will want to let their estimator evaluate it. you do not care what this person says unless it is a number close to what you want or better. which it will not be estamators job is to get the lowest number possible for the insurance company no matter what they tell you. lets say then persons amount is $800 now your fight is on... call insurance company...just listen to what they have to say and call them back. did you like the deal? if so then say it is not enough and let them counter offer if no counter then take it. if you do not like the deal, what will you settle for. call them back and ask for more and negotiate down to what you want or close to it. if you do not like anything they are saying then say no and fix my car or pay me the retail value for my car. which is required by law in most states. good luck, gig1 Unless you have special insurance, the insurance company is only liable for the value of the car, no more. Not the value of fixing the car, just the value of the car. That makes sense really when you consider it is the most you had could lose right before the accident. You may have reason to dispute what they feel the value is, but not that they should pay more than that value in order to fix it.