2real4sum asked:


to legally place my car under total status.
Here's the story. The adjuster advised me that my car's value is at $10,812. They are responsible for only 100% of the damages to the rear of my car and 30% of the front and for 70% of the value of the car. If they are offering me $7,569(which is 70% of the total value of my car, do they still have the right to place my car in a 'totaled' status since they are not paying $8,109(which is 75% of the value of my car)?
I want to repair my car being that I owe $16,000 on it and I don't have GAP insurance. My car is 100% repairable. The repair shop is telling me that the total repair cost are $7500 but the insurance company is saying that they are not paying to have the vehicle repaired but will cut me a check for the $7569 and I will still keep the my car and I can do whatever I want to do with the check, get the car repair and etc..I don't agree with placing my car in total status because I will have to get a salvage license on the title
This is the insurance company of the person who rear ended my car. They say that they are only paying for 30% because I did bump the car in front of me which caused very little damage to the front and to the rear of the car in front of me…and folks when I say little I mean a little…… like a scratch of paint about 5 inches long, before their client hit me while going at least 55mph pushing me even further into the back of the car in front of me…but that is another story…….

I don't want to accept that offer if they are going to place my car into a totaled status…..
who can or what do I do?

All I want is my car repaired. That is it…….I am not even worried about a rental car right now, i just want my car repaired.
to answerer Oklaton….how can I sell the car if it has $7500 of repair damage and I don't hold the title to it and I owe the finance company $16k?

I have never been in a car accident before and have never dealt with insurance companies before so I am very lost when it comes to this.

Auto Salvage Ga

oooyeaa asked:


I was hit from behind on Wednesday evening heading to work. The driver was ticketed by the police and their insurance company has admitted full liability. Injury wise, I have whiplash which thankfully, is going away now. My car, according to their adjuster, is going to be claimed as totaled. So, my car is valued at 7400, and repairs just from visual inspection, are 7015. So they are going the totaled route as its cheaper for them. After they buy the car from me, they will sell it to salvage, expect to get 2k from it, and only be out 5400 instead of a full cost of repairs.

So I've had the car for a year and half, taken out on a 5yr car loan. I still owe 12k on it. After they cut a check to the lean holder, I'm still responsible for 5k on that loan. The bank and my insurance at the time didn't offer gap insurance. Stupid of me, I let my current policy expire to search around for a more affordable policy. I kept procrastinating, and the accident happened with me having no insurance. Lucky he hit me and is at fault.

I'm trying to see what my options are. I've gone to the liable company's website and see their basic plan for my state, law requires 25k in property liability for at fault accidents, plus medical etc. So I'm wondering what should I expect from the lady handling this claim.

I'm not fooled when she called me yesterday and said that she is here to work with and for me. Saying that there is probably a lot of talk about lawyers, just know they will take 30-40% of you settlement. Know that I'm here to work for you, try to work with me I'm thinking my head total bull crap. 1, she works for her insurance company first, and will have their interest first, 2, she works for their client and to protect them from me in a suit.

In the end, I'm not stuck with a car that they will not fully pay to have repaired, and will still owe 5k after they pay the loan holder the value of the car. My credit is damaged and getting a new loan is probably not going to happen easily. I really don't want to get a lawyer but I now have a car sitting in my driveway that I can't use plus a balance in the end.

Anyone got some suggestions as to what I should realistically expect. The lady mentioned a liability settlement, repair settlement, medical expenses settlement, and personal injury settlement. I'm not out to make money on this as that just will not happen. But I have no car and will owe 5k still. I'm just like…f**k

Auto Salvage Ga