Quote Originally Posted by ramanth

Her insurance has to pay the deductible on my car.
Then, because I have full coverage,
my insurance company decides if it wants to have the car repaired or
claim it a total loss and
give me what they think the car is worth.
"What THEY think the car is worth."

Kimmy ~

Do some research before you talk to the insurance "adjuster"!!

Check the "Kelly Blue Book" site >>>
http://www.kbb.com

for the exact Year, Model, Body Style, Engine, Trim Level, and OPTIONS you have
on the car - see what Mr. Kelly says it's worth.
Pay attention to the "condition" rating - can you claim this >>> ?

"Excellent" condition means that the vehicle looks new, is in excellent mechanical condition and needs no reconditioning. This vehicle has never had any paint or body work and is free of rust. The vehicle has a clean title history and will pass a smog and safety inspection. The engine compartment is clean, with no fluid leaks and is free of any wear or visible defects. The vehicle also has complete and verifiable service records. Less than 5% of all used vehicles fall into this category.

That "condition" is worth the most money - can you claim that with a straight face?

It doesn't *look* that badly damaged ...
but the crumple in the roof is reason to worry.

IF the insurance company wants to Fix It - have a long talk with the Body Shop
to be sure they plan to use NEW parts and will guarantee a First Class repair.

Hope your *aches* & *pains* don't get any worse!!