Was in a Car Accident this morning..

[Cinder & Smoke]

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!!

[ramanth]

Phred, Dad checked Kelly Blue Book and other 2000 Grand Am's with similar miles to mine that are on lots to get an idea of how much it's worth.

About $4000, and the damage cost is more than that, so the adjustor said it's a total loss.

Time to shop for a new car.

[Cinder & Smoke]

Dad checked Kelly Blue Book and other 2000 Grand Am's with similar miles to mine
that are on lots to get an idea of how much it's worth.

About $4,000 ...

Time to shop for a new car.

ONLY $4,000!???

That doesn't seem like much for a 5-6 year old car that looks like it's in GOOD Condition.

*Argue* for every penny you can get - be sure they are comparing cars with
the same features and condition as yours!
And remember - YOU have to find a replacement vehicle with what they give you!

Good Luck!!

[ramanth]

I think it's how many miles I have on it that really hurts the value. About 142 thousand.

A lotta trips to the dog park....

I bought it used for 12,000 in 2001.

[ramanth]

My settlement came in!

$4,384.16!

That'll make for a nice down payment.

The tow truck comes tomorrow morning to pick up my car. RIP my green one. You were a great car.

[Husky_mom]

i´ve been reading but havent posted until now, sorry to hear that, it almost happened to me, bt look at the bright side you´ll be on a brand new one......

i now all the memories you muts´ve had but hey lets make new ones

[Karen]

My settlement came in!

$4,384.16!

That'll make for a nice down payment.

The tow truck comes tomorrow morning to pick up my car. RIP my green one. You were a great car.

Awww, bye-bye little green car!