Insight Meets Deer :'( (pg1 HEAVY w/ Images)

[UltArc]

Car is valued at $2,910.26.
$500 for deductible, $529.71 for the salvage.

Still working on it.

[Insight for life]

You should be able to get more for your car. I got about $4900 for my wrecked 2001 with 203k miles after fighting them for a while on it.

[sheepdog 44]

Do some investigating on the comparable vehicle sheet. Ask them for it if you don't have it yet. I did some investigating on mine, and the least valued of the two comparable Insights was an ugly pink and white wrapped Insight from a hospital, with a nonworking transmission, electrical problems, and an oil starved engine, bought from a salvage auction.

Your car had both a "good" transmission without grinding i assume, and a good battery. Your comparable vehicles may have an ima light and grinding transmission which is common. If thats the case, they need to positively adjust the value of that car (or take it off the list), and so your average will be higher. These will then be adjusted by miles and year to get a value on your car.

Honestly, an Insight in good condition should go for no less than $3,000 from a dealer, more typically $3,500. Anything valued under $3,000 is a car with IMA or transmission issues.

And i would also argue with them about the salvage value. Try to get it a little lower.

And since you have a second car, you can take more time with them.

[user removed]

Originally Posted by UltArc

Car is valued at $2,910.26.
$500 for deductible, $529.71 for the salvage.

Still working on it.

So you get $2910.26 minus $529.71, also minus your $500 deductible?

I think your claim should be comprehensive, which covers, things like hail damage, tree falling on your car, flood, broken windshields etc, also called acts of nature.

Are you sure your COMPREHENSIVE deductible is $500. I carry 0 deductible and it's like $100 a year per car. Number of claims (within reason) does not affect your premium, it's based on total number of claims in your area.

Unless you made numerous comprehensive claims your rate should not increase. My wife did $3k damage to her Rogue (her fault but not ticketed), but both of us have long time between accidents (for her 40 years) and our rates did not go up with State Farm.

All of that said if they are offering you $1880.55 and you keep the car if my math is right?

If so you aren't going to get much more than that. Parting it out would be time consuming but eventually beneficial. I would look for another one used with bald tires and a bad IMA, maybe before you settle the claim.

The aluminum body is worth significantly more in scrap prices but you might have to diassemble it to get the best price.

Find a nice replacement Insight swap your IMA and tires.

regards
Mech

[Cobb]

Thats good i its true. Me, I moved 7 miles and my insurance went up 300 bucks for a 6 month premium. I switched and got my previous premium and more coverage. Then after a non fault accident my next premium went up 300 bucks for 6 months. I switched to another and got the previous premium again.

I got some scratches, hail damage and another grand in damage I was quoted to my car currently. I was told be the paintless dent repair people they can send it through insurance and make it look like new again. I was on the fence again for fear of my rates going up. This time it was hail and damage in a parking lot complete with police report.

Should I have them put a claim through?

[UltArc]

Still working on it. Here is my e-mail I just sent to my adjuster, with asterisks for removed personal information.

"*,

Today I am picking up the records for my replacement Honda Hybrid Battery pack, and new tires.

Reviewing what you sent, I noticed my vehicle is valued at $3,625.00. I do understand that there is paint on the vehicle, but it is not clear what else makes up the $723.74, since a rag and container of mineral spirits or a credit card will clear up the Plasti Dip on the side.

Regarding the value, I see that Comp. Vehicle 1 is valued at $3,832- yet mine has over 30,000 less miles on it, overdrive, Air conditioning, the full climate control, reclining/lounge seats, and the three stage paint. I also noted this does not account for the premium sound system in it with two additional rear speakers, the six cd changer, and the sound system head unit has been replaced. I am not so worried about the head unit, as that was only $60, but it is not something I want to forget.

I will be sending in the documentation from * Honda in * when I pick up the paper work this afternoon.

Sincerely,
* * "

Base Vehicle Value- 3,625.00
Prior Damage- (723.74)
Adjusted Value- 2,901.26
Taxes- 210.34
DMV Fee- 54.00
Value before Deductible- $3,165.60
Deductible- (500.00)
Total- 2665.60

I am greatly appreciating the advice given. I didn't think I even had a chance of a rebuttal before you guys

[sheepdog 44]

Its the duct taped aeromods. It doesn't leave anything to imagination about how nice the car was pre accident. It also helps when prior damage is indistinguishable from damage done in the accident. Send them some "before" pictures when you first bought it. They probably think the front end is held together in duct tape.

[Insight for life]

keep fighting! if i remember correctly there first offer for me was like half of what i ended up getting.

[UltArc]

They tried to tell me the battery has no value. My immediate reaction was to jump through the phone to Wisconsin.

Got my drive shaft replaced, and heading up to the dealership to pick up my documents.

[California98Civic]

eat the deer