Need advice! Insurance Q's, Here's one I wish I didn't have to ask! |
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Need advice! Insurance Q's, Here's one I wish I didn't have to ask! |
East coaster |
May 10 2004, 07:15 PM
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#1
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Senior Member Group: Members Posts: 1,752 Joined: 28-March 03 From: Millville, NJ Member No.: 487 Region Association: None |
My nephew was involved in an accident with his (my old) really nice pristine '71 914. This is a really clean original car. The only things non-stock on this car are the 914-6 front end/rear hubs and the fuchs. It was original paint and was in really sweet shape. Today, someone backed into it with a mini-van while he was waiting at a light. It looks like it needs at least a hood, bumper, bumper rubber, foglight grills and the obvious body work to the front end. The alignment still feels OK, but the lights have popped up indicating the unibody was bent. I can't open the hood to investigate further without removing the bumper and I didn't want to mess with anything until I figure out how to deal with this from an insurance perspective.
I'm looking for advice on how to proceed with the insurance company. The other driver readily admitted he was in the wrong and received a ticket. So how do we make sure that it gets repaired correctly?? I can just see some hacker shop throwing a resprayed non color matched hood and trying to straighten the bumper and saying it's OK. This car really deserves to fixed correctly and I need advice on how to get that accomplished. I'm also afraid that if the repair estimate is too high, they'll want to total it?? How do you walk that thin line?? If it comes down to needing a professional appraisal of this car to fight with the insurance company, is anyone here qualified to do this?? Help! Here's pics....... Attached File(s) hershey_001.JPE ( 15.18k ) Number of downloads: 0 |
Rouser |
May 10 2004, 08:11 PM
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#2
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Anti-Post Whore Group: Benefactors Posts: 597 Joined: 30-December 02 From: Citrus Park, Florida Member No.: 54 |
If the repair estimate exceeds the minivan knucklehead's insurance company's repair/value cutoff (around 50% of the vehicle's true value; some are higher, some lower) for the year/make/model, they're going to write it off as a total.
The insurance company's ready to lowball the 914's value (it's not like it just rolled out a restoration shop's garage) to under-$4K as it is, and you're going to argue it's worth more than that. They don't want to cut a check for damages that might creep up once the body shop gets to fixing it, and if they can write-off the vehicle (remember the lowball), they probably already have some P-car wrecking yard lined up to bid on the hulk. With insurance companies, it's all in the numbers ... |
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