If looking for a CTR, I would go the used market, the dealer markup plus raising the price is not worth it
I don't know about State Farm (that is probably the guy's insurance co that hit you), but my insurance Geico has a policy that if you take the car to one of their contracted repair facilities they will repair the car back to the condition it was pre-accident and guarantee those repairs for the life of the car and will only use OEM parts unless they are not available. If it was front end damage I would definitely want them to total the car, the current damage to the car can definitely be repaired, it's just a matter of will it cost them more to total the car or repair it. At this point I am betting the cost of repairing it would be the cost effective route in the eyes of the insurance company. This would also include the cost of putting you in a rental, how long it will be in the shop etc. I'm thinking from past experience they will repair it
GEICO is the other party's insurance and they told me its up to State Farm whether its totalled or not because I'm going g through mine. I'll be talking to them in a couple hours and I'm prepared to lawyer up if they tell me they're going to repair it being that there is frame damage. There's no way my wife and I are going to feel safe in a car thats been damaged that severely.
Got it. Yes once there is frame damage I would want the car totalled. You should probably go thru their insurance as you wont have to worry about deductibles, in past accidents I have had where someone hit me, the responsible parties insurance company took care of everything and I never had to even talk to my insurance co
That sucks, I hope you get everything worked out.
Also your username must've been your exact reaction when it happened lol...it def would've been mine.
That IS exactly what I said only there was an expletive involved...I just couldn't believe it.That sucks, I hope you get everything worked out.
Also your username must've been your exact reaction when it happened lol...it def would've been mine.
In some cases the other party's insurance may be minimal policy and won't have enough to cover the damages. Would be best to use your own coverage and then have your insurance go after the other party in subrogationIf the other driver was found to be at fault, the claim should be handled/paid out by geico right?
Why would you go thru your insurance?
Yeah true, but if they have full-coverage then you're ok.
I have GAP insurance that will cover anything left on the loan after the insurance payment.
Yeah they want to repair it however GEICO is telling me some shady things when I inquired about diminished value. "Neither Geico nor State Farm will report anything on the accident to those agencies." I'm going to consult with a property damage lawyer before I allow any repairs on the car and find out 100% what my rights are and what should be happening as I don't trust either of the insurance companies.
