Shelby...thanks...I am going to call you after I meet with the insurance guy tomorrow to get your opinion on how to proceed!
Remember a car is totaled if its cost to repair exceeds approx 70% of the difference between Actual Cash Value before the incident and salvage value. Between the cost of GT repairs and the high salvage value, it does not take much of a hit to total one.
My son was with me and you are right the car is not the important thing here. We are both ok just a little shaken....
I hate to say it but if they are running you around it may be time for them to speak to an attorney...it sucks but some of these guys are just going to ignore you until you become the squeaky wheel.
Glad you and your son are ok.
Glad you and your son seem OK, but don't rush the insurance claim until you are sure there are no residual health effects. Sometimes "only shaken" can cause down the road problems.
I still can't get a response from the insurance company. They don't know how to value the car...diminished, salvaged, totaled, repaired??? It is really crazy but I don't have a good feeling...we will see.
If so, ask them to just cut a check for the limits of liability and begin working with your uninsured motorist coverage and plan the law suit to recover the remainder.
You have it right EP, I was just suggesting that since the other party's insurance company was having diffeculty determining how to value the claim, that the 'how' may not matter if the limits of liability are say 25 or 30k. Any method of determining loss is going over those limits for a rear end impact. Just cut the check and move on to the next steps. My use of the word 'remainder' was the difference between what the other guys insurance pays and the value of the loss. UM coverage for that, then they try to recover if the guy has assets.
Either way, your insurance company should be dealing with this, not you. There is very little possibiltiy of completing this ordeal without involving your insurance so may as well get them involved up front. You get moving much faster and they go after restitution later if its appropriate. Still going to be a UM claim, not collision.
does anyone know where i can buy a new bumper and right tail light? thanks
does anyone know where i can buy a new bumper and right tail light? thanks
USAA has valued the car at 170,000. and the damage is about 55,000. so they will not total it. The clam shell is the most expensive item which was barely damaged but still needed to be replaced. They are not making things easy in regards to diminished value claim or where the work is done to repair the car. So to answer your question still in limbo a bit.
I will keep you posted...