by Guest » Mon Oct 22, 2007 08:31 pm
I was in an accident (due to an animal in the road) which left me in a pond. My car wasn't completely submerged. About a foot or 2 on the drivers side and around 3 1/2 feet on the passenger side. I hit some piping in the pond that damaged the front end: i.e radiator, air conditioner, power steering, some other stuff, idk I'm not exactly car savvy. The interior is wrecked! the impact busted a transmission line and all the fluid came out and the insurance appraiser ran it with no fluid. Not knowing about the loss of fluid, they told me I could drive it from the tow yard to the mechanical shop (less than 1 mile). I did, but of course I didn't make it. The car stopped going. they are saying the damage reaches around $9000.00. Its a 2005 Dodge Magnum SXT (no hemi). the value of the car is about $15,000 give or take a thousand. I've been told by everyone, including different mechanics, that I'm am most likely going to have all sorts of problems with it in the future. I pay close to $800 a month for this car, but I have gap insurance. So I'M covered if it is deemed a total loss. And i want my car totaled since I could have future problems AND the fact that it's not worth nearly as much no that it's been involved in a car accident with flooding. But it's not looking like they are going to total it. they say that the damage needs to exceed the value. But MY question is, is that, arent they concerned about the likely possibility of re-opening a claim, maybe even multiple times? And is there anyway I could convince them to total it out?? PLUS I have environmental asthma and a huge deathly allergy to mold, mildrew, spores... ect.. and I am so afraid they're going to miss something that got wet (it took them five days to even appraise it) and mold or mildew grows, and I end up in the hospital. (it's happened before). AND my 3 year old has the environmental asthma as well. So I'm TERRIFIED to have this car and I want my car totaled ..what else can I do??? Is my car totaled once I make things clear to them?
Posted: Fri Jul 09, 2010 11:26 am Post Subject:
The remaing equity is yours to keep.
Posted: Fri Jul 09, 2010 12:41 pm Post Subject:
.I also have gap insurance I had the car for 2 years paid 400month plus full coverage insurance through state farm
Did you consult with the agent? What does State Farm say about this?
Posted: Mon Aug 09, 2010 11:22 pm Post Subject: flood damage
If my car is worth 10,000 dollars,(according to the adjuster), how much is it worth if I get it completely fixed, but, it still has a carfax reporting of flood damage?
Posted: Tue Aug 10, 2010 12:46 am Post Subject:
It will be worth less after it's been fixed. The 10k is what the actual cash value is now (pre accident).
Posted: Fri Jun 03, 2011 01:12 pm Post Subject: hLNtFgNHNVjdWTfbcaP
My car totaled.. Bang-up :)
Posted: Wed Jul 06, 2011 06:10 pm Post Subject: Total
My wife was involved in a accident two weeks ago. The van that hit her was in the turn lane and tried to get across the highway into another driveway. The driver hit her very hard with damage starting just front of the driver door taking out the sliding door on the driver side and pushing the rear panel back about 1/2 inch. The front corner of the roof at the driver door has shifted down about 1/2 to 1 inch. They want to fix this damage on my wifes Town and Country van. A full size ford van is what hit her. I am not comfortable with the door jam between the driver and the sliding door being cut and weilded into place to fix it. I think that this is not the factory "fix" that is needed. She will not be made whole. I am seeing this fix as being possible problem if she is hit on that side again. It is my belief that injury is more of a outcome the next time she is hit on that side. What can I do to help her to get this straightened out? The van is in her name only, so I don't have much say on this. Please send a reply to tommytuckercbvnol.com What about demished value?
Posted: Thu Jul 07, 2011 04:02 am Post Subject:
Unless you can get the auto body repair shop to argue the matter in your behalf (which means they will get nothing if your vehicle is totaled), you may have little recourse. Diminished value is a better avenue to pursue.
If you are not comfortable with your wife driving a repaired vehicle, trade it in on a different vehicle, disclosing the prior damage (which will help establish your diminished value claim).
Posted: Tue Aug 30, 2011 12:19 am Post Subject: flood damage
My 09 Lancer was flooded during Irene. By the time I arrived back home, the water in the car had receded to about 6 inches in the car, but the seats were soaked as well as the gearbox. the battery still works and the adjuster wont be out to look at it for days, in which time it will all be dry. Will they total it or just fix it and stick me with a problem waiting to happen?
Posted: Tue Aug 30, 2011 03:34 am Post Subject:
There should be a water line remaining in the car indicating it was below water and will most likely be totaled. Too many seat belt and air bag diagnostic computer modules may have been compromised and they likely will not want to be liable for them in a subsequent loss where they may not deploy due to exposure from water. Not to mention you will be dealing with mold at some future date very likely.
Posted: Fri Nov 04, 2011 08:11 am Post Subject:
my 2010 ford ranger with 6k miles on it just got in a crash. i would say frame is bent and engine is smashed in pretty well. my bed is bent in half. air bag went off too. it is worth around 17k and i would say damage is around 10k prolly a little more. will they try and fix that?
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