Re: Question about insurance claim... - Saab 900 Bulletin Board - Saabnet.com
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Re: Question about insurance claim...
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Posted by Bobwithasaab [Email] (more from Bobwithasaab) on Sun, 5 Jun 2022 16:09:01 Share Post by Email
In Reply to: Question about insurance claim..., Goblin [Profile/Gallery] , Sat, 4 Jun 2022 15:38:54
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If you own the car outright, which I'd guess you do, it's none of the insurance company's business where the car is fixed. The check for damages will be issued to you, the owner. The other side of that coin is if upon teardown, you discover hidden damage. You then, as an individual repairing your own car will have no recourse to pursue financing for those additional repairs once discovered because you're not a licensed repairer. If you had gotten involved with a local shop, they would be the "adjuster" to represent you and any additional damages found when they are talking to the Ins. company to get reimbursement for those hidden damages. I'd guess that by this point, you know your way around a SAAB 900, so be your best advocate and explain to the adjuster any and all damages you see, no matter how seemingly insignificant. Your other concern is that if your damages exceed the Kelly Blue Book or NADA value, your car could indeed be totaled...then you're cursed with a rebuilt title depending on which state you reside in. Here in CT, you get a salvage title, and then after proper repairs with multiple photographs during repair and receipts to prove traceability of all acquired parts you then get a title stamped, "rebuilt". If you've got a decent insurance writer that comes out to you, tell him that you'd prefer the car not be totaled. Ask if he could perhaps keep the dollar total just below the amount that would constitute a total salvage. You'll have to see where numbers go and feel that situation as you go. One last note: Not sure where you live, but I've got a rear beam complete here fully loaded. It was sandblasted, epoxy primed, epoxy matt black painted with rebuilt calipers and new rotors and bearings. It went into an '88 vert project I had been restoring. The paint job failed so the car got pushed out into my driveway and covered for five years. I just completely dismantled the car a month ago. The rear carrier now looks crappy from five years just sitting under a car, but I assure you, all I claim is true about it's condition....and I don't need it. Just throwing it out there if you're close enough. I'll give you a friend's price just to get it out of here and to someone who needs it. I'm in CT. Let me know if I can be of any more help. 45 years as a professional A-tech autobody guy. I've seen a few wrecks! Cheers, Bob

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