Ok here is the latest:
Damage (30k+/-) is not enough to total the car; the value of car is 60k+tax and they would total only if damage is 45k (75%)
My main issue is that is that I was going to trade the car for a Rivian that is scheduled for December and that the I5 will not be fixed by then (at least 3 months out on most parts)
Of course I am welcome to take the estimate check and go from there but that does not help timewise.
My wife drives a mobility van. A wheelchair accessible Chrysler. These type of vans are specially modified. So the Chrysler Pacifica Touring. It cost at that time $72k.
The accident occurred over 5 months ago. She was pulling in our driveway when a kid hit the rear. Since her foot was on the gas, the whiplash made her jam on the gas. She hit our fence and a four step wall that went to our backyard. Which was only 20 feet away.
Here is the bottom line. She wanted to do all the work of dealing with the insurance companies and the insurance estimator. She was using a loaner through the insurance at a cost of $125.00 a day. The estimate was $38k. The insurance company wanted the car fixed.
Bottom line I got very pissed after 5 months of BS. Called the people handling the claim. I had 2 phones going on speaker. I pointed out to them the cost of the loaner, the 38k estimate, which the repair shop said it would be at least 10k more. It would also be at least 2 more months before the parts that they didn’t have would arrive and the repair would take a month.
What I said was this, what is the damaged car worth right now. They did not know. I then said that supervisor who told his people to not total the car, I would personally have him fired. I told them they had 36 hours to reevaluate the damage, the cost of the loaner, and the additional time it would take to finish the repair. If they did not have this car totaled, they would be talking to my lawyer. Twelve hours later the car was deemed totaled. Now we had to buy a new van. The cost of the new van was $95,000.00…
I had forgotten that my insurance was for new car replacement. The insurance company gave us a check for $81,000.00 for the replacement value. The remainder would come from the kids insurance.
What I am saying is use the anticipated months it will take to receive the parts. The cost of a loaner paid by the insurance. To your advantage. The inconvenience when dealing with Insurance Company.
Best of luck.