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Re: OT: Negotiating w/ insurance co. on total loss - tips?
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Posted by Ari [Email] (#2847) [Profile/Gallery] (more from Ari) on Mon, 10 May 2004 13:51:02 Share Post by Email
In Reply to: OT: Negotiating w/ insurance co. on total loss - tips?, Dorsal1, Mon, 10 May 2004 13:08:44
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Having been through all this-
Look up the value in a couple of sources - Kellys and Edmunds, at least. Round up any documentation you can provide on recent repairs and condition.

Ask for sales tax on top of their offer. Where I live (CT) they have to give you sales tax, the assumption being that you would take the money and buy a replacement car, and the state will get its cut. That cut should come out of the insurance settlement.

Be aware that you have almost no leverage here - it is really, really frustrating. As an example, they could very well offer you half the value of the car. Your only option would be to take them to court, and if you won the 'whole' amount, by the time you were done paying a lawyer, you'd have about half amount, and it'll take longer. I don't say this to bum you out, but to support you in the fact that it may not be very pretty.

That is the lousy part about having a nice, older car. From an insurance standpoint, it's almost worthless. The Book value may be very cheap, but there is no way in the world that you'll find another car as nice, with the same known mechanical condition, for the price in the book. I've got a creampuff '92 9000, and the book on it is less than $3K. If I found one in this shape for $3K I'd buy it just to have a spare.

You've got almost no leverage, but they would rather settle than draw it out. So wheedle - ask for sales tax, talk about the new parts. Just remember, you do it only rarely (hopefully), but these folks do it many times a day, and they've heard every sob story a dozen times over. So wave documentation, and by all means, keep it professional.

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