Total it!?! What a waste!

Sad day JDB, I believe this is our first COTM to go down to an insurance write off :(

Oh yeah.....when writing down the VIN, she wrote "1" instead of "L" so it came up as "SSE Supercharged"!!!!!!!!!! But the computer also said "Vin error" so she checked it again. :( quite a coincidence i thought, given what i said in my sig.

Don't let the streak end here............

Buy that sucker back and FIX IT!!!!!!!!!!!!!!

Okay i need advice. What are disadvantages of it being totalled? If its totalled, i keep 85% of the car'* value. If its not totalled, the maximum payments is 70-75%. So i'm looking at 10-15% more money by having it totalled, but what are the disadvantages? The adjuster said I'll keep the title but wasn't clear about if it would get salvage title. If the title is changed to salvage, is it legal to drive in Indiana before repairs? Should i argue with the company to reduce the damage to 70% of the car'* value so it won't be totalled?

I know nothing about insurance and how it works and how it'* best played. So that'* my disclaimer on this, so remember that. But it seems to me, if you go with the 3000 being the value of the car-by taking the lower payout (not totalling out the car) you are only (okay, not only, it'* all money) losing like $450-ish dollars, but you still have your car-which you can fix, drive and still generally go back to normal with when it'* repaired. Granted with the write up you have for expenses and the fact that you may have to deal with a different title, it might not be worth it.

Don't total that, it'* a freaking pumper/exahust hit! There'* only 3k damage if you go by all new parts (you don't need).

Get a used pipe from a junkyard, and put a flowmaster on there if you want.

Get a used bumper cover and have it redone. You could be out the door for $500 if you can find a green sse bumper and various bits.

The ins. valued my car at $2948. Too low, given the new tires, headliner, awesome condition, and the fact that she told me it would be worth more than $3000. Salvage is at $500, so they'll write me a check for $2448, leaving the title free and clear. I think i'm gonna take it.

Well, when it comes down to it, if you totalled it and then bought it back, you would then have to get it fixed and inspected before you could make it roadworthy (atleast in NY) and then with the salvage title, you'll have a lower resale value assuming you ever try and sell it. My first 93 SSE got hit in a similar manner, just on the passenger side. I was estimated $2700 to fix it, but only cost $1800. This was 4-5 years ago and I didn't have the exhaust issue. I would say take the money and don't total it. That way you don't have the hassle of not having a car and getting it re-inspected and all that.

they said the title will stay free and clear; i don't think it will have to get inspected.

I've been up since 4:00 A.M. so ,let me get this straight.

they want to give ya' 2950...knock off 500.00 they would get for salvage,you keep the car,2400 dollars and a clear title????

If that is the case with the title...you got money to fix it and still some to play with???


Hell yes take it!!!!!!!!