Buck531 Posted October 10, 2006 Report Share Posted October 10, 2006 So I take the hail beaten Buick into Rife's where my insurance adjuster guy was there. He looks it over pretty good. Writes down a lot of stuff, then goes back in. He comes back out of his office 15 minutes later and asks me to come outside. We talk a little. He gives me two options. 1. Total out the car, do the salvage deal and possibly get a little more money. 2. He lowers the estimate a little to the point where he doesn't have to total the car and sends me a check and I'm on my way. I opted for option 2. Didn't have to deal with a salvage title, and I keep the car. I walked away today with a $2350 check from them. I won't be getting it fixed. The guy said IF I wanted to have it fixed, then it would be totaled since it would be a little over 3K to fix. Not bad considering I paid $1500 for the car back in 03 with 138k on it and now it's at 187k. . Quote Link to comment Share on other sites More sharing options...
OSUGT Posted October 10, 2006 Report Share Posted October 10, 2006 Does your premium go up on "Acts of God?" I always wondered if they did. Congrats though! Quote Link to comment Share on other sites More sharing options...
Buck531 Posted October 10, 2006 Author Report Share Posted October 10, 2006 I don't think so. Two years ago when that ice storm hit a big brand fell down on the rear window of the buick. Denting a few things and breaking the window. They came out and cut me a check for $1500 for that. My insurance has only gone down. It has never gone up. ($92 a month right now). Quote Link to comment Share on other sites More sharing options...
Shields1181 Posted October 10, 2006 Report Share Posted October 10, 2006 Damn thats niiiice. Hell of a deal if you ask me! Quote Link to comment Share on other sites More sharing options...
BloodRed Posted October 10, 2006 Report Share Posted October 10, 2006 Acts of God shouldn't make you insurance go up. I know my wifes car had to have the windshield replaced after it was hit by a rock and the insurance went down. Quote Link to comment Share on other sites More sharing options...
Bam Posted October 10, 2006 Report Share Posted October 10, 2006 So what mods you got planned now? haha, lucky bastard! A friend of mine had his insurance quote $6900 in damage from last weeks storm!!!! Quote Link to comment Share on other sites More sharing options...
Buck531 Posted October 10, 2006 Author Report Share Posted October 10, 2006 No mods. I'm just going to throw the money in the bank for now and look for a deal somewhere on a car for her. Something cheap yet reliable. I can't afford a payment until I get done paying my sons tuition which ends like in March or what not. Quote Link to comment Share on other sites More sharing options...
evan9381 Posted October 10, 2006 Report Share Posted October 10, 2006 sounds like you got lucky. ins totalled out my car, but i cant buy it back because they will only sell it to a licensed salvage yard. they said they will give me like 480$ refund for sales tax that i can use towards sales tax on a new car. in the end, i can either a) drive beat up car, continue paying on it or b) give up car, get 480$ towards sales tax on a new car. fucking blows. im pissed they wont let me buy it back, even if they do want 1,300 for it, which is what theyre claiming the junkyard will pay for it...i know this is BS because i called 2 junkyards and they both said 250-300$ Quote Link to comment Share on other sites More sharing options...
Buck531 Posted October 10, 2006 Author Report Share Posted October 10, 2006 Damn Evan.. that does suck . How much was the damage estimate on it ? Quote Link to comment Share on other sites More sharing options...
evan9381 Posted October 10, 2006 Report Share Posted October 10, 2006 well, they told me they'll cut a check for the value of the car, which they deemed to be 7,199...i figure to total it it would have to be greather than or equal to that amount Quote Link to comment Share on other sites More sharing options...
s13 Posted October 10, 2006 Report Share Posted October 10, 2006 Its 2/3rds of the cars value I thought? Quote Link to comment Share on other sites More sharing options...
RangerTurbo Posted October 10, 2006 Report Share Posted October 10, 2006 Its 2/3rds of the cars value I thought? no more than 80% of the car value is what i was told when i hit the deer in my old truck Quote Link to comment Share on other sites More sharing options...
Wease Posted October 10, 2006 Report Share Posted October 10, 2006 Sounds like you need my Mountaineer. Let me know... Quote Link to comment Share on other sites More sharing options...
Adam Posted October 10, 2006 Report Share Posted October 10, 2006 allstate will go up to 90 % i think Quote Link to comment Share on other sites More sharing options...
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