Pittsburgh Nesties
LittleD8081
member
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Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Anyone ever had a vehicle totaled by insurance co?
Our truck was at the Library Park N Ride the other day, when it was under water after heavy rain. It looks like there is a good chance that it will just be totaled by the insurance company because the electrical system did get water in it despite the water inside the vehicle only going up to the floor (I guess there were electrical components in the floor that got wet because it was submerged). I'm just wondering what to expect if they do total it. It's been a nightmare for a lot of folks who lost their cars and the insurance company is being flooded (no pun intended) with calls from angry customers...so, I don't want to call them again on a "what if" scenario. I am waiting for them to call me back to tell me the central location where the appraiser will look at the car and decide if it should be totaled or not...but, this has me curious.
Re: Anyone ever had a vehicle totaled by insurance co?
I had my first car totaled by insurance. We were in an accident 1 month after we bought my car(that was not our fault). The front end was basically smashed to bits and there was light damage to the rear bumper. If it matters, we paid cash for the car so there was no loan mess or gap coverage to deal with.
It was appraised by the auto body shop to have over $21k in damage, which was hilarious because I didn't pay that much for it to begin with. Once the mechanics sent the estimate to my auto insurance company, they cut me a check for the original purchase price of the car plus some to cover rental car, gas, etc. The whole process took about 2-3 weeks. I was lucky and it was a fairly easy and quick process, but attribute that to the awesome customer service at USAA.
when DH wrecked his truck years ago he wanted for it to be totaled (he didn't want a rehabed vehicle). he was picking out new cars and all this stuff. then i sat down to figure things out and realized that the truck was basically new, only 4 months old, so the loan still had a long ways to go (17 or 19k). but blue book was telling me it wasn't worth nearly that much (i don't think he did great negotiating, but i wasn't there), so the problem was going to be that if they totaled it he wouldn't get back enough to pay off the loan. so the balance would have to go on to a new loan, which we didn't like the sound of.
turned out his truck just barely squeaked by not being totaled and it took something crazy like a month to fix. i don't know how long it would have been to get a check had it been totaled.
We had a vehicle totaled. It was a long process, about 3-4 weeks for the whole thing. Some of the problem was from the girl who was at fault taking a few days to contact her ins co to verify the damage (I called her ins co immediately upon getting home). They gave us a rental so it wasn't a big deal, but it was a long process.
We were borderline with almost 15k in damage, but I hear that different companies have different guidelines at what % of the value the vehicle needs to be at to total it. Us being borderline also took awhile - the shop was very thorough in their inspection of what needed to be done.
Don't forget to mention that you have car seats that need to be replaced (if you do)! They will often cut you a check immediately for that.
It was a lot of waiting around and pestering the girl's insurance company and the claims adjuster. At least it seemed like it to me. She had Safe Auto, so we dealt with them.
11-15-08
12-1-10
They will total for flood damage. The title must be branded so that any future owner is aware that the vehicle was flooded. This became a huge issue after Katrinasince a lot of the states affected do not brand titles (PA does for reconstructed vehicles, floods, and various other reasons).
When insurance companies are inundated with claims like this week, things move a bit slower. But most likely you will only get a rental for at the most 15 days. So you will probably have to be irritating, the whole squeaky wheel theory. My sister was involved in an accident in college during an ice storm. It took over two weeks for an adjuster to even look at the car. It was in the shop for three months.
one suggestions to prevent this, Gap Insurance. It is relatively inexpensive but can save you a lot if a vehicle gets totaled in the first 18 months of a loan
Dh's car was totaled this past fall. It wasn't the same situation since ours was an accident. I really can't remember how long it all took, I think they gave an initial eatimate first and based on that we assumed it would be totaled once they did the in depth estimate. His car was 7 years old so the blue book value wasn't crazy high!
We went through the others persons insurance since it was her fault and they were kind of a pain. They only allowed for 3 day rental which was not enough time for the estimate let alone buying a new car. So dh had to return the rental they paid for and pay for his own and then got reimbursed later. They did pay for a new car seat with no problem.
in the end they totaled it and wrote a check. We went out and got a certified used car right away. It kind of sucked though. Our car was paid off but was hard to find a similar age car in as good condition for the amount. We ended up taking the opportunity to upgrade and got something different and a little newer but means back to car payments.