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Re: Another 68 charger totaled and question [Re: moparx] #2777649
05/24/20 11:14 AM
05/24/20 11:14 AM
Joined: Dec 2007
Posts: 19,774
Puttin' on the foil in Charles...
not_a_charger Offline
Mr. Big Shot Moparts Moderator
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Puttin' on the foil in Charles...
Quote
my one friend in new york state had a new challenger [with only 47 miles on it] broad side him in his 64 polara a few years back, and his policy allowed him to keep his car without a buy back.
i know all companies are different, this was just his experience.


It's nice that happened for your friend, but it had nothing to do with his policy. There is no policy out there, anywhere, that says "You may keep your totaled vehicle without any reduction of your settlement amount."

His adjuster, and likely his adjuster's manager, chose to allow him to keep it without charging him for the salvage retention. They probably couldn't find any data to suggest what the salvage was worth, and also likely thought it was "just an old car," and made a business decision to pay out on the total and let him keep the car anyway.


Earning every penny of that moderator paycheck.

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Re: Another 68 charger totaled and question [Re: Rhinodart] #2777650
05/24/20 11:16 AM
05/24/20 11:16 AM
Joined: Dec 2007
Posts: 19,774
Puttin' on the foil in Charles...
not_a_charger Offline
Mr. Big Shot Moparts Moderator
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Puttin' on the foil in Charles...
Quote
Two inspectors came by and appraised the car and I got what I thought was a fair offer after turning down the first one.


He has an agreed value policy. If he goes through his insurance company, there's no offer, no negotiation. He gets the agreed value. If he goes through the at-fault driver's insurance company (assuming she has sufficient coverage), then he can attempt to negotiate a higher settlement if he feels their offer is too low.


Earning every penny of that moderator paycheck.

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Re: Another 68 charger totaled and question [Re: not_a_charger] #2777660
05/24/20 11:48 AM
05/24/20 11:48 AM
Joined: Jan 2003
Posts: 4,131
Canada -- Posts: 4034 -Registe...
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5thAve Offline
Doesn't care what this says anyway
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Canada -- Posts: 4034 -Registe...
Wow that really sucks. That's one of the reasons it's I don't like driving some of my cars much. There are a lot of moron drivers out there who don't even seem to care about themselves let alone others.

For insurance don't even talk to her company deal with your own. If there's any back and forth with the other drivers company it's their job to deal with it. You should be able to buy it back especially since you've got collector insurance on it.

When I had an accident with my newer truck with normal insurance I had to fight with them to get the chance to buy it back and at the end I didn't bother because the value they put on it was too high. Between that and what $$$$ was left I wouldn't have been able to buy it back and fix it without spending more and it wasn't worth it for parts. They did tell me that they had no problem with me taking the wheels off it as long as I put something back on and when I cleaned it out I took back the trailer brake controller and some other parts that weren't stock that they didn't include in the value. But if you are dealing with an actual collector insurance company they are usually better to deal with and it's a different situation because they are used to handling situations like this.

Re: Another 68 charger totaled and question [Re: not_a_charger] #2777661
05/24/20 11:49 AM
05/24/20 11:49 AM
Joined: Sep 2003
Posts: 19,239
north of coder
moparx Offline
"Butt Crack Bob"
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north of coder
Originally Posted by not_a_charger
Quote
my one friend in new york state had a new challenger [with only 47 miles on it] broad side him in his 64 polara a few years back, and his policy allowed him to keep his car without a buy back.
i know all companies are different, this was just his experience.


It's nice that happened for your friend, but it had nothing to do with his policy. There is no policy out there, anywhere, that says "You may keep your totaled vehicle without any reduction of your settlement amount."

His adjuster, and likely his adjuster's manager, chose to allow him to keep it without charging him for the salvage retention. They probably couldn't find any data to suggest what the salvage was worth, and also likely thought it was "just an old car," and made a business decision to pay out on the total and let him keep the car anyway.


i think that's exactly what happened. they didn't want to be bothered with the effort to figure out what to do with the car, and it was in his driveway.
beer

Re: Another 68 charger totaled and question [Re: 5thAve] #2777662
05/24/20 11:54 AM
05/24/20 11:54 AM
Joined: Dec 2007
Posts: 19,774
Puttin' on the foil in Charles...
not_a_charger Offline
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Posts: 19,774
Puttin' on the foil in Charles...
Quote
You should be able to buy it back especially since you've got collector insurance on it.


That has nothing to do with it. If he owns it outright, it's up to him. If he has a loan on it, it's up to the leinholder.


Earning every penny of that moderator paycheck.

DBAP
Re: Another 68 charger totaled and question [Re: not_a_charger] #2777671
05/24/20 01:00 PM
05/24/20 01:00 PM
Joined: Jan 2003
Posts: 1,883
Northern OH
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rapom Offline OP
top fuel
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Posts: 1,883
Northern OH
Thanks for all the insight on my options. Car was bought and paid for 11 years ago for my wife. Factory 383 buddy seat car. Since it had no A/C I installed a classic air system, firmfeel steering box, and also added front disc brakes. It had a junk 360 in it, so I had a member here build me a mild 360 stroker engine so it is not original by any means. It was nice driver with 2.94 gears but would still run pretty good down the track (13.28)the one time I took it there.

Will see what happens.
Thanks for the tips

Re: Another 68 charger totaled and question [Re: rapom] #2777674
05/24/20 01:08 PM
05/24/20 01:08 PM
Joined: Jan 2003
Posts: 949
Indiana
6
68_661charger Offline
super stock
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Posts: 949
Indiana
That was a good lookin car I remember it from a pic you posted with your wife and daughter. Hope its a painless process for you. Seems like every year we see a Charger get in a bad one.

Re: Another 68 charger totaled and question [Re: not_a_charger] #2777677
05/24/20 01:30 PM
05/24/20 01:30 PM
Joined: Jan 2003
Posts: 43,459
Round Lake Beach, Illinoisy
Rhinodart Offline
Rhinotruck
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Rhinotruck

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Round Lake Beach, Illinoisy
Originally Posted by not_a_charger
Quote
Two inspectors came by and appraised the car and I got what I thought was a fair offer after turning down the first one.


He has an agreed value policy. If he goes through his insurance company, there's no offer, no negotiation. He gets the agreed value. If he goes through the at-fault driver's insurance company (assuming she has sufficient coverage), then he can attempt to negotiate a higher settlement if he feels their offer is too low.


True, my wife had an agreed to value and that is what she got for her 78 Pontiac T/A. She didn't have to buy her car back, they just let us keep it.


The funny thing about science is that if you change one miniscule parameter you change the entire outcome to the way you want it.

JB Rhinehart, Realist

A-Body's RULE!
Re: Another 68 charger totaled and question [Re: 68_661charger] #2777678
05/24/20 01:32 PM
05/24/20 01:32 PM
Joined: Jan 2003
Posts: 20,356
Eagle, Idaho
Neil Offline
The Doctor is in.
Neil  Offline
The Doctor is in.

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Posts: 20,356
Eagle, Idaho
As mentioned go get checked out by a doc. I've been rear ended 3 times and the hurt part may or may not show up later on. Insurance company will be in a hurry to get you to settle, but don't do it until you've been checked out first.

Re: Another 68 charger totaled and question [Re: Neil] #2777709
05/24/20 03:45 PM
05/24/20 03:45 PM
Joined: Dec 2014
Posts: 5,711
ohio
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ruderunner Offline
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ohio
I don't get people who don't want to use their insurance when something like this happens. YOU'RE PAYING THEM to do this stuff, get your money's worth.

As for buyback, it's certainly an option but without a number to work with everything is speculation. If the buyback is $1000 great, if it's $10000 maybe not.


Angry white pureblood male
Re: Another 68 charger totaled and question [Re: Rhinodart] #2777713
05/24/20 03:51 PM
05/24/20 03:51 PM
Joined: Jan 2003
Posts: 1,883
Northern OH
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rapom Offline OP
top fuel
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Northern OH
Yeah, I may get checked out if I don’t get any better. Right know I ‘m just sore.
My wife also used to have a 78 T/A. Cool car.

FED8E394-3387-4AA1-A3B7-64AA6897EC5A.jpeg
Re: Another 68 charger totaled and question [Re: rapom] #2777714
05/24/20 03:52 PM
05/24/20 03:52 PM
Joined: Jan 2003
Posts: 32,884
Grand Prairie,Texas
stumpy Offline
I Win
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Grand Prairie,Texas
Her insurance company will screw you to death. Go through your own. No reason not to.

Re: Another 68 charger totaled and question [Re: stumpy] #2777725
05/24/20 04:08 PM
05/24/20 04:08 PM
Joined: Oct 2006
Posts: 5,602
Germany
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fc7_plumcrazy Offline
master
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Germany
Happy for you that your are doing fine

Carsten

Re: Another 68 charger totaled and question [Re: Rhinodart] #2777739
05/24/20 04:47 PM
05/24/20 04:47 PM
Joined: Jan 2003
Posts: 1,194
Rochester, New York
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GregY Offline
super stock
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Rochester, New York

Sorry about you car.

It looks like the "Roadkill" sticker held up, maybe Freiburger and Finnegan will buy it for the next episode.

Re: Another 68 charger totaled and question [Re: GregY] #2777753
05/24/20 05:55 PM
05/24/20 05:55 PM
Joined: Jan 2003
Posts: 18,389
UPPER MICHIGAN, MARQUETTE COUN...
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NITROUSN Offline
I Live Here
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UPPER MICHIGAN, MARQUETTE COUN...
As far as I know a lot of this insurance questions may vary from state to state. In most cases that car should be a total. With the stated value if its high enough they just may want to fix it. Only reason I say this is if the stated value is 50K and the repair estimate is 30K will they want to have it fixed?

Re: Another 68 charger totaled and question [Re: NITROUSN] #2777759
05/24/20 06:23 PM
05/24/20 06:23 PM

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Originally Posted by NITROUSN
Only reason I say this is if the stated value is 50K and the repair estimate is 30K will they want to have it fixed?

I don't know about collector car adjusters but with daily drivers it's cost to fix vs current value plus can the average shop lay hands on the parts required. I kinda doubt the average adjuster is gonna whip out an AMD catalog and say it's fixable. Ok, ya'll need a couple more catalogs but even less reason to believe they'd go through the effort. One look at the drivers side and it'll be straight to where should I send the check. see also: whatever collector car insurance company wrote the policy probably doesn't have an employee near by and will just sub out the leg work of a personal inspection.

As for what's supposed to legally happen according to the letter of the policy vs some of the anecdotal experiences shared here, I think the truth lies some where in between. We paid you for your loss, we now own as it was when it got smacked is the basic black and white reality. On the flip side, every thing in life is negotiable and you don't have anything to loose by trying to make a deal.

Re: Another 68 charger totaled and question [Re: rapom] #2777774
05/24/20 07:05 PM
05/24/20 07:05 PM
Joined: Jan 2003
Posts: 30,947
Oregon
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AndyF Offline
I Win
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Oregon
You are super lucky that you and your family are okay. That was a pretty hard hit and people have gotten hurt from a lot less. The only advice I have on what to do is to think about and talk it over with your family. It will take a ton of time and money to fix that car and when it is all back together you might not even want to drive it. I have a friend who has been working on putting his car back together after it got hit and it is really a difficult process. He works at a body shop and he still is having trouble getting the project done. It is just so hard these days to find all the right parts that even the pros have problems putting cars like that back together. If it was my car I'd take the payout and see what the remaining value was. If the insurance company put a low figure on it I'd buy it back for parts and then sell the parts but I don't think I'd have the energy to rebuild it. You might be in a different place and perhaps you want to take on a project. You'll just have to think it over.

Re: Another 68 charger totaled and question [Re: AndyF] #2777777
05/24/20 07:11 PM
05/24/20 07:11 PM
Joined: Jan 2003
Posts: 16,804
Between Houston & Galveston TX
SattyNoCar Offline
Smarter than no class Flappergass by a mile
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Posts: 16,804
Between Houston & Galveston TX

Good lord! If your car looks like that, how bad is her vehicle? shock

Hope everything works out.


John

The dream is dead, long live the dream.......😥
Re: Another 68 charger totaled and question [Re: NITROUSN] #2777779
05/24/20 07:13 PM
05/24/20 07:13 PM
Joined: Jan 2003
Posts: 30,947
Oregon
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AndyF Offline
I Win
AndyF  Offline
I Win
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Posts: 30,947
Oregon
Originally Posted by NITROUSN
As far as I know a lot of this insurance questions may vary from state to state. In most cases that car should be a total. With the stated value if its high enough they just may want to fix it. Only reason I say this is if the stated value is 50K and the repair estimate is 30K will they want to have it fixed?


Based on what I've seen a couple of my friends go thru recently, even $50K would disappear pretty quickly if you hired a pro shop to fix that car. First you have to find someone who is willing to do that work and then you have to wait at least a year or two for the job to be finished up. If you took that car to a higher end Mopar shop the bill will most likely end up in the six figures by the time they were done with it. A buddy of mine is fixing a RoadRunner that got hit in the front. The damage looked pretty minor but so far to date he has billed the insurance company over $20,000. All of the front sheetmetal had to be replaced as well as the grille and bumper and core support and radiator. He also had to replace some of the front suspension, K frame, some engine parts, etc.

Re: Another 68 charger totaled and question [Re: ] #2777780
05/24/20 07:18 PM
05/24/20 07:18 PM
Joined: Jan 2003
Posts: 3,122
Auburn WA
Dave_J Offline
master
Dave_J  Offline
master

Joined: Jan 2003
Posts: 3,122
Auburn WA
Rapom, I agree with most above, 'Not a Charger' more so.

But just a word of warning. Her insurance company may/will be searching social media and Forum pages so use caution on what you say.


Retired, US ARMY 1973-1994
ASE mechanic, Electrical 1994-1997
Retired GTE/VERIZON/FRONTIER 1997-2015


Posting cheap tech help (CRAP) here since Nov 97, 1000's of posts, some may be good.

03 Suzuki Burgman 650(Burger King) Scooter
65 Formula S Cuda
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