November 23, 2009
can't decide on auto claim: I'm not sure what's my best option so I'm looking for outside opinions
manda asked:
I have a '93 Jeep Cherokee 4dr in great condition and I was going about 10-15mph and a lady came into my lane and clipped my drivers front end damaging the fender, bumper and grill. State Farm is claiming it a total loss and is offering me 2,200 to give it up or 1,700 if I keep it. I have to get a salvage title if I keep it which I can't drive. I would have to get the salvage title, get it fixed, bring it to the police for it to pass inspection, gather a bunch of forms, pay the fees and then apply for a reconstructed title which then I can drive. The title will always read 'salvage reconstructed' so in the future I would have to sell it to a dealer cause I can't get rid of it to a private party and I would get next to nothing for it. Now if I take the 2,200 I would have to find something for that exact amount cause I have no money to add to it (nor add to fix) and It needs to be large enough for a baby seat in the back, which seems slim esp. a car in the same working cond as jeep.
Also, I have the option to just walk away and not file a claim which will keep my title clear and I don't have to wait on it to either getting fixed or to get another one. If I decide to fix the minor body work it'll be out of my pocket but I'm not worried about it at all, it is very min. damage and the lights/blinkers work. Plus I can take my time fixing it if I wish. I really need a permanent vehicle asap. Insurance asked if I wanted a rental but I didn't get it being that I may just walk away and fear owing money on the rental.
Auto Salvage Ga
I have a '93 Jeep Cherokee 4dr in great condition and I was going about 10-15mph and a lady came into my lane and clipped my drivers front end damaging the fender, bumper and grill. State Farm is claiming it a total loss and is offering me 2,200 to give it up or 1,700 if I keep it. I have to get a salvage title if I keep it which I can't drive. I would have to get the salvage title, get it fixed, bring it to the police for it to pass inspection, gather a bunch of forms, pay the fees and then apply for a reconstructed title which then I can drive. The title will always read 'salvage reconstructed' so in the future I would have to sell it to a dealer cause I can't get rid of it to a private party and I would get next to nothing for it. Now if I take the 2,200 I would have to find something for that exact amount cause I have no money to add to it (nor add to fix) and It needs to be large enough for a baby seat in the back, which seems slim esp. a car in the same working cond as jeep.
Also, I have the option to just walk away and not file a claim which will keep my title clear and I don't have to wait on it to either getting fixed or to get another one. If I decide to fix the minor body work it'll be out of my pocket but I'm not worried about it at all, it is very min. damage and the lights/blinkers work. Plus I can take my time fixing it if I wish. I really need a permanent vehicle asap. Insurance asked if I wanted a rental but I didn't get it being that I may just walk away and fear owing money on the rental.
Auto Salvage Ga
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Comments on can't decide on auto claim: I'm not sure what's my best option so I'm looking for outside opinions
2:37 am
Auto Salvage Ga
sticky situation… If you can afford the time to wait and the frustration that comes with re-certification, and the hassle or trying to re sell a vehicle that was once deemed a total loss it could be an ok route for you. There are always cheap cars out there that can fit your child. You may want to take a look into every thing involved with the recertification as you wont be able to drive it until it passes that test. Its ultimately up to you to weigh your options and see what will be less stressful. Good luck
1:38 am
Auto Salvage Ga
wow, if it were me i'd take the 2200 and find another car. it really is a personal choice though.