Crashed - Need Advice

Mike@Blackline · 10-17-2009, 02:01 PM

just out of curiosity, can you refuse a car from your insurance if there is frame damage or anything serious? can you ask them to pay you off for the car and they can acquire it for themselves, fix, and sell? just wondering because i would have a hard time accepting driving a car w/ frame damage

Modshack · 10-17-2009, 02:11 PM

Quote:

Originally Posted by battlewagon

just out of curiosity, can you refuse a car from your insurance if there is frame damage or anything serious? can you ask them to pay you off for the car and they can acquire it for themselves, fix, and sell? just wondering because i would have a hard time accepting driving a car w/ frame damage

Only if it exceeds their "Totalled" threshhold. This is usually at 50% or more of the cars worth ...Every insurance Co. will be different here...If the car is repairable, their obligation is to repair it under the terms of your coverage. You can't just decide you don't want it anymore. You can also have the insurance Co. Pay you cash on a Diminished value claim after the car is repaired.
In my case it was 30% of the repair cost. This basically compensates you for the reduced value of the car since it now has an accident/repair on it's Carfax. This is available even if the car was repaired perfectly with absolutely no evidence it was ever damaged (as my car was)

Jason · 10-17-2009, 06:12 PM

would i be eligible for that even if it was a hit and run? i have allstate.

10-17-2009, 02:01 PM	#1 (permalink)
Mike@Blackline Enthusiast Member Join Date: Jul 2009 Location: USA Posts: 390 Drives: Z Rep Power: 297	just out of curiosity, can you refuse a car from your insurance if there is frame damage or anything serious? can you ask them to pay you off for the car and they can acquire it for themselves, fix, and sell? just wondering because i would have a hard time accepting driving a car w/ frame damage __________________ Current Alliance BBK Sale, FREE PC Option, 370Z DiscountCLICK HERE for info!

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10-17-2009, 06:12 PM	#3 (permalink)
Jason Enthusiast Member Join Date: May 2009 Location: Florida Posts: 309 Drives: Nissan 370Z Rep Power: 17	would i be eligible for that even if it was a hit and run? i have allstate.