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Re: Another 68 charger totaled and question [Re: not_a_charger] #2777788
05/24/20 07:45 PM
05/24/20 07:45 PM
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hemirdrnnr Offline
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Originally Posted by not_a_charger
Originally Posted by hemirdrnnr
Check your policy mine has a clause if I want to buy it back, she might try to sue you for being in her way. Glad you and your family are OK.


What does the "clause" in your policy say? I've never seen a policy that contains language to this effect.

Typically, this is not addressed specifically within a policy. If you own the car outright and want to keep it, you can keep it, and your insurer reduces the settlement amount by the projected salvage value amount. If you do not own the car outright, it is up to the leinholder whether or not you can keep the car, since they are actually the titled owner. They usually don't allow it. Not always, but usually.


Check the bottom right corner.

policy highlight.jpg
Last edited by hemirdrnnr; 05/24/20 07:46 PM.
Re: Another 68 charger totaled and question [Re: Dave_J] #2777816
05/24/20 08:56 PM
05/24/20 08:56 PM
Joined: Jan 2003
Posts: 9,100
Tucson, AZ
Ramrod39 Offline
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Tucson, AZ
Quote


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.


Really????

Re: Another 68 charger totaled and question [Re: hemirdrnnr] #2777826
05/24/20 09:29 PM
05/24/20 09:29 PM
Joined: Dec 2007
Posts: 19,774
Puttin' on the foil in Charles...
not_a_charger Offline
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That's not part of your policy contract. That's essentially a FAQ document explaining to you how claims are handled.


Earning every penny of that moderator paycheck.

DBAP
Re: Another 68 charger totaled and question [Re: not_a_charger] #2777830
05/24/20 09:38 PM
05/24/20 09:38 PM
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hemirdrnnr Offline
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It's just saying there is an option if you want it with my insurance!

Last edited by hemirdrnnr; 05/24/20 09:39 PM.
Re: Another 68 charger totaled and question [Re: rapom] #2777833
05/24/20 09:44 PM
05/24/20 09:44 PM
Joined: Aug 2003
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Bend,OR USA
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I've seen cars like that back half and saved, not cheap or easy but it is doable up


Mr.Cab Racing and winning with Mopars since 1964. (Old F--t, Huh)
Re: Another 68 charger totaled and question [Re: hemirdrnnr] #2777842
05/24/20 10:01 PM
05/24/20 10:01 PM
Joined: Dec 2007
Posts: 19,774
Puttin' on the foil in Charles...
not_a_charger Offline
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Originally Posted by hemirdrnnr
It's just saying there is an option if you want it with my insurance!


It's an option with any insurance, provided you own the vehicle outright. I'm trying to clarify for those who might read this that it's not specifically in your policy, which was what you originally said. There's a ton of misinformation given when it comes to this topic, almost all of it unintentional (as was the case here), but it still should be corrected.


Earning every penny of that moderator paycheck.

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Re: Another 68 charger totaled and question [Re: ruderunner] #2777858
05/24/20 10:27 PM
05/24/20 10:27 PM
Joined: Dec 2007
Posts: 18,153
Mass
DAYCLONA Offline
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Originally Posted by ruderunner
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.



Agreed!, soak the insurance for all it's worth come claim time, max vehicle payout, medical, rental, etc, etc, whatever your entitled to

Re: Another 68 charger totaled and question [Re: DAYCLONA] #2777862
05/24/20 10:41 PM
05/24/20 10:41 PM
Joined: Dec 2004
Posts: 10,550
Rittman Ohio
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It would be kinda cool to back half it with some serious tires and a 4-link devil

Gus beer

fat charger.jpg
Last edited by fourgearsavoy; 05/24/20 10:47 PM.

64 Plymouth Savoy
493 Indy EZ's by Nick at Compu-Flow
5-Speed Richmond faceplate Liberty box
Dana 60
Re: Another 68 charger totaled and question [Re: fourgearsavoy] #2777896
05/25/20 01:29 AM
05/25/20 01:29 AM
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Posts: 10,486
Freeport IL USA
poorboy Offline
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Get yourself and everyone else that was in the car at the time checked out to be sure there are no injuries that have not yet shown up.
Go through your insurance, and ask them what the buy back will be. They will give you a number, and then you get to decide if the value of the parts is worth the buy back. Once you buy it back, its pretty much up to you what you do with the car. I suspect the buy back on a 68 Charger with a good front clip wont be cheap. Gene

Re: Another 68 charger totaled and question [Re: AndyF] #2777897
05/25/20 01:30 AM
05/25/20 01:30 AM
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Originally Posted by AndyF
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.


True: after waiting god knows the time to fix it; you'll be spending More time looking in the rear view mirror while driving it, then on the road ahead. Kinda like if your house is ever burglarized. You never feel "100% safe" in it again, no matter what. Cash out quick, go shop for another. Seems to be a good time for buyer these days.

Originally Posted by Ramrod39
Quote
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.
Really????


Shouldn't surprise anyone in this day&age of that occurring

Re: Another 68 charger totaled and question [Re: Ramrod39] #2777904
05/25/20 03:21 AM
05/25/20 03:21 AM
Joined: Jan 2003
Posts: 3,122
Auburn WA
Dave_J Offline
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Auburn WA
Originally Posted by Ramrod39
Quote


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.


Really????


When I crashed my Suzuki scooter at 40-45 MPH into a pickup that took my right of way, I made a few comments on a Suzuki Burgman scooter forum. One of the comments was that I was doing 35 MPH in a 35 MPH zone and when I seen him coming at me I gunned it and got up to 40 MPH while changing lanes. (He crossed both traffic lanes and hit me in the Suicide lane)

His insurance Adjuster said
"If you had hit the brakes instead of gunning it to 40 MPH, maybe you would not have hit him. Don't ya think?"

That was verbatim of what another member had replied to my comment. I had not said that to anyone at the insurance companies, his or mine. I asked her where she heard I was doing 40 MPH and she said "I read it somewhere" She would not tell me where. I hired a lawyer right then.


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
78 Little Red Express Truck
98 Buick Regal (wifes car)
Re: Another 68 charger totaled and question [Re: Ramrod39] #2777918
05/25/20 07:23 AM
05/25/20 07:23 AM
Joined: Dec 2007
Posts: 19,774
Puttin' on the foil in Charles...
not_a_charger Offline
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Originally Posted by Ramrod39
Quote


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.


Really????


I once found evidence on social media that led to the denial of a $85k claim on a rented Lamborghini Huracan. The person who rented the car and filed the bogus claim was fairly young, employed, and owned a home. All of that = collectible. Not a smart move. I'm sure they are still paying it off. runaway

Nothing OP has posted here would cause him any problems.


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Re: Another 68 charger totaled and question [Re: not_a_charger] #2777925
05/25/20 08:13 AM
05/25/20 08:13 AM

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RWG75
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Unregistered
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You're only paranoid if it turns out that big brother isn't actually listening.

More often than not they probably aren't but it's generally safer to assume they are or least could be. Back in my corporate days if somebody asked me a question that I didn't want to answer I often replied with "this phone call may be subject to monitoring for the purpose of service quality observation". Hey, I busted more than a few reps because I was bored baby sitting new installs and killed a couple hours monitoring calls and running reports to document personal calls on company time.

I don't do it but I support the idea of randomly adding "May the peace, mercy, and blessings of Allah be upon you" to your emails just to keep them on their toes.

Re: Another 68 charger totaled and question [Re: fourgearsavoy] #2778085
05/25/20 03:03 PM
05/25/20 03:03 PM
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Bend,OR USA
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Originally Posted by fourgearsavoy
It would be kinda cool to back half it with some serious tires and a 4-link devil

Gus beer

This car be ugly, no matter what country it is in down twocents
Shock extensions and all whiney


Mr.Cab Racing and winning with Mopars since 1964. (Old F--t, Huh)
Re: Another 68 charger totaled and question [Re: rapom] #2778171
05/25/20 08:29 PM
05/25/20 08:29 PM
Joined: Jan 2003
Posts: 8,390
Highland, MI.
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Glad you guys are OK - well hopefully. You may all have whiplash & don't realize it yet. If so, it will probably plague you for the rest of your lives - like me. I was the second vehicle in a wreck in Chicago back in 1979 & started having headaches 2 days after the accident, & I still get my "car accident" headaches to this day.

As far as the Charger, that's going to be a very difficult one to fix - the roof is tweaked - you can see looking at the driver's door window alignment. A-pillars were probably both pushed forward & came back - the entire roof was pushed forward. If it is savable, it's going to be a LOT of work.


No Man With A Good Car Needs To Be Justified
Re: Another 68 charger totaled and question [Re: Cab_Burge] #2778181
05/25/20 08:56 PM
05/25/20 08:56 PM
Joined: Dec 2004
Posts: 10,550
Rittman Ohio
fourgearsavoy Offline
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Originally Posted by Cab_Burge
Originally Posted by fourgearsavoy
It would be kinda cool to back half it with some serious tires and a 4-link devil

Gus beer

This car be ugly, no matter what country it is in down twocents
Shock extensions and all whiney


That's the point Cab I tried to find the most jacked up pic I could find to lighten this thread up a bit. We still have to remember it's just a car and everyone walked away twocents

Gus beer


64 Plymouth Savoy
493 Indy EZ's by Nick at Compu-Flow
5-Speed Richmond faceplate Liberty box
Dana 60
Re: Another 68 charger totaled and question [Re: fourgearsavoy] #2778188
05/25/20 09:37 PM
05/25/20 09:37 PM
Joined: Jan 2003
Posts: 10,486
Freeport IL USA
poorboy Offline
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Originally Posted by fourgearsavoy
Originally Posted by Cab_Burge
Originally Posted by fourgearsavoy
It would be kinda cool to back half it with some serious tires and a 4-link devil

Gus beer

This car be ugly, no matter what country it is in down twocents
Shock extensions and all whiney


That's the point Cab I tried to find the most jacked up pic I could find to lighten this thread up a bit. We still have to remember it's just a car and everyone walked away twocents

Gus beer


I agree! The car did what it was suppose to do, protect the occupants as best it could. Everybody involved is still with us, so I guess it did well. Weather it could or should get fixed is the topic of a different thread. Sometimes there are enough parts a guy might want to keep and use on a different project that would make the buy back worth while, and sometimes there are not. If he bought another 68 Charger, this one could be a goldmine worth of parts.

When my 50 Dodge 4x4 got totalled, the buy back was pretty low, there were parts I used a couple weeks later on the replacement truck that made the buy back worth while to me. About a year later I sold the good doors (and gave him the rest of the truck) for about 2x the original buy back price and both the buyer and I were happy. A 68 Charger is probably worth a lot more then my 50 Dodge truck was though. Gene

Re: Another 68 charger totaled and question [Re: not_a_charger] #2778232
05/26/20 01:42 AM
05/26/20 01:42 AM
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Originally Posted by not_a_charger
I have no doubt that there are techs who can repair it (you being one of them), but I would be stunned if either insurance company didn't total it.

My $.02? Go through his own insurance company, take the total loss settlement, let the car go, buy another one, or buy something different, or put it in the bank. Between the reduction in the settlement amount for keeping the car, plus the cost of parts/labor/materials to fix it, I can't see how he would come out ahead. Let someone else buy it at the salvage auction and part it or fix it.


100% Agree!
Bid it 100% fair well.
Don't look back
Look Ahead.
And Move On (to another or different)..

Re: Another 68 charger totaled and question [Re: Ramrod39] #2778247
05/26/20 07:24 AM
05/26/20 07:24 AM
Joined: Jan 2005
Posts: 4,862
the frozen wastes...
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the frozen wastes...
Originally Posted by Ramrod39
Quote


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.


Really????


Lawyers, man.

Would YOU trust a lawyer?


I admire your cool. If some stupid texting scag did that to my hotrod i'd put her in a [censored] hole. Jesus... i get hot just thinking about it...

Re: Another 68 charger totaled and question [Re: rapom] #2778314
05/26/20 12:05 PM
05/26/20 12:05 PM
Joined: Apr 2003
Posts: 1,331
Clinton, NJ
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njmopar Offline
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Clinton, NJ
Glad you all are ok and able to even write this post, that is a serious hit.
Curious, since you have a 68, did you have optional head restraints? Wondering how your neck is if you did not. I know my a-body seat backs are low enough on me that it would be an issue in a hit like this.
And if you don't want to answer these details, that's fine. It happened to be the first thing I thought of when I saw the photos.

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