Auto insurers and older cars

[tnt_motorsports]

@74DartSport I believe you are being overly optimistic on the outcome. The value of the vehicle is very low in regard to the damage. Your current ratio is 88%, so a total loss. Even if they increase the GAPPR, to get to the 65-70% damage range you need a value of $6,500 to 7,000 range.

Another thing to consider is if another shop quotes it way less, what is the quality of the repair.

FWIW, I'd be inclined to buy it back from insurance and have that painted to avoid rust, replace the broken light and drive it like it is. Especially, if the rear gate and such operates fine. After all it is almost 20 years old.

 

[74DartSport]

@74DartSport I believe you are being overly optimistic on the outcome. The value of the vehicle is very low in regard to the damage. Your current ratio is 88%, so a total loss. Even if they increase the GAPPR, to get to the 65-70% damage range you need a value of $6,500 to 7,000 range.

Another thing to consider is if another shop quotes it way less, what is the quality of the repair.

FWIW, I'd be inclined to buy it back from insurance and have that painted to avoid rust, replace the broken light and drive it like it is. Especially, if the rear gate and such operates fine. After all it is almost 20 years old.

Upon further review of the report, they didn’t include multiple options my car has. I emailed a copy of the window sticker. They raised the payout to a tick over 6K. Took the settlement less the buyback. Now going to find someone to repair it less expensively.

 

[Nukeman7]

Upon further review of the report, they didn’t include multiple options my car has. I emailed a copy of the window sticker. They raised the payout to a tick over 6K. Took the settlement less the buyback. Now going to find someone to repair it less expensively.

Whoever you use, be sure to get the repair agreement contract written in specific detail. My best friend was in a similar situation due to a deer collision. His insurance company, State Farm, totaled the pristine Honda Accord and he got it through a buyback. Took it to the highest rated indy body shop in the region and they agreed to repair it for the payout amount by using new aftermarket and used OEM parts, with the understanding it would take 3 weeks as a low priority job. He got the car back 3 MONTHS later and while it looked nearly perfect, the body shop owner let his 17 y.o. son practice on the car and the kid took a lot of shortcuts (e.g., missing fasteners, no bulbs in the aftermarket turn signal housing, door edge rubbing inner fender when fully opened, used tie wraps on broken fasteners).

 

[CKN]

Upon further review of the report, they didn’t include multiple options my car has. I emailed a copy of the window sticker. They raised the payout to a tick over 6K. Took the settlement less the buyback. Now going to find someone to repair it less expensively.

You will get exactly what you pay for....like so many other things in life.