James Bailey

All insurance companies are GREAT.....until you have a claim ! Be persistant eventually they will settle but the process SUCKS. The one issue with Craigslist is many many of the cars are salvage title, will not pass smog, have expired registration , or are just worn out..yet NONE of that is stated in the adds so it LOOKS like you can get a "nice" car pretty cheap. The adjuster is NOT going to actually go look at the cars for sale. Good luck with it.

nosnow

On my recent total loss (rearended) the insurance company contacted not only a Porsche dealer but two specialty and exotic car dealers to come up with a value, just make sure they are aware of any unique options. Also any recent maintenance such as tires or new upholstry, all that adds up.

I was once an adjuster and mise well mention when a total loss involves a fire all sorts of red flags go up and you will have to jump through hoops. More than likely you are not dealing with any special adjuster but an adjuster that also specializes in fraud. If you haven't run your credit in a while you might want to just to see if you have any investigative hits. Just keep plugging away it will get settled eventually.

tveltman

Thanks for the tip. I didn't even think about that being an issue.

Giovanni

some good tips here; https://rennlist.com/forums/off-topi...companies.html

When a lady with a recent eye surgury ran a red light and totalled my Liberty the insurance company offered a more than reasonable value on my 2005 Liberty CRD. I was ready to negotiable a $2-4k lower offer but seconds later we closed the deal. I guess I was lucky.

JPTL

..all a compelling argument for carrying an agreed value policy (but of course in this case that suggestion is closing the barn door after the horse gets out).

mickster

That's the first thing I thought of.

tveltman

I didn't investigate this because I was under the impression that such policies had stringent limits on mileage per year. Since I use the car as a DD, I thought I couldn't get such a thing. I'll look into it though if that isn't true.

mickster

I don't know too many companies who write here in New York who will write ACV policies for a daily driver. Might be different in California.

Then again my mom got $12500 for her 2000 Toyota Camry when some woman ran a stop sign 3 years ago. Could have bought the car back for $1500. I had her check with her mechanic to see if it was worth it for parts etc., he said nope.

Good luck and let us know how it turns out!

Shark Attack

the ins companies are usually WAY more than fare.. The cars ARE NOT PULLING THE NADA value... have them use it....You wil be more than happy.

I just sold and 85 for 6200. the NADA book was 10,000 retail 7500 whole sale.. Trust me have them book it out.