I went through this a few years ago with my 87 Chev Cavalier Convert, I had bought it new in 86 and it was very well maintained, I was hit by a red light runner. California has a formula (which I donlt remember) , but they start with the value of the car (by their lying standards) and then take a percentage (40%?) of that value, If the repair bill exceeds that percentage of value, they say by state law it must get a “salvage" title because it is “dangerous”. They claimed the value of my car was $2500 and the repair would be $2000 so they could not repair it. They were adamant I could not get it back without a salvage title. They kept bringing up dangerous and I kept telling them their real problem was the d@#$%d $1500 door! The problems they had were (1.) They claimed the value was based on similar cars in my area which had sold recently. They could not tell me what the area was, what the cars were etc, or what they sold for. It was a big fat lie. I got my Blue book and by the time I added for low mileage, condition (new top and tires)m air, V-6, RS package etc, the BB value was up to $3800. The next problem was that they said the convertible door was expensive ($1500) because it was so rare. My wife found one in an Arizona yard on line for $400. We had a confab at my house in my garage with the adjuster. I had refused to release the car to any garage. I jacked the car up,let him use my creeper, and we finally agreed they would repair it IF I delivered it to a Ford dealership in Salinas 30 miles away where the hourly rate was much lower. I finally got it repaired and retained my title intact.
There is a lot of mendacity in car insurance and repair work.Mike MooreOn May 4, 2015, at 7:21 AM, Anna F Noia sa-noia@xxxxxxxxxxx [Chrysler300] <Chrysler300-noreply@xxxxxxxxxxxxxxx> wrote:I had a friend that had his Fathers original Pick up. It was wrecked in a collision and was declared "Totaled " by the Insurance Company. He wanted to keep his fathers truck, so did not accept the "Totaled" verdict. They said he could by the vehicle with a Salvage Title from the Insurance. That too he did not accept, he told them that it was Truck, and would not accept a Salvage Title and would not accept it was a Total. He stood his ground, and refused to accept the Insurance Companies evaluation, they (the Insurance Co.) "Totaled" it because of the cost to fix it was greater than what it was worth. To my friend it was priceless, it was his fathers truck. He ended up not accepting the "Salvage" Title, and had the Insurance pay him, "Value" and kept the original Title, since it was his all along. The moral of this story is, You don't need to accept the "Totaled" or Salvage Title just because it will assist in the Insurance Company handling the disposition of your car. Have them pay what they will pay, keep your clear "Title", and get it repaired! Anything can be fixed, if you have the strength of will to pursue it. Don't allow the Insurance to "Salvage" it, they just don't want to fix it. Stand your ground, it may take a long time, Don't give it up.On Sunday, May 3, 2015 11:11 AM, "Ray Jones 1970hurst@xxxxxxxxx [Chrysler300]" <Chrysler300-noreply@xxxxxxxxxxxxxxx> wrote:
It really depends on how it was insured.If Jerry just added it to his regular car ins., he won't get much, unless he added a rider.If he had it insured with Haggerty, they have a guy who is a specialist in finding parts for our old cars.They would have it repaired. I don't think it was anywhere near totaled, only if he didn't have special Insurance on it.His regular policy would say it's too old and offer $maybe 500. and his deductible would eat that up.Answer is, Carlton, check before NOT after an accident! Haggerty, or Roberts, which I had specialize in old cars and will take care of their customers.
I never had a claim, but every thing I see about Haggerty indicates they are very good in making you whole.RayOn Sun, May 3, 2015 at 10:15 AM, 'Carlton Schroeder' schroe99@xxxxxxxxxxxx [Chrysler300] <Chrysler300-noreply@xxxxxxxxxxxxxxx> wrote:Hello,You hate the thought of your 300 ending like this, but it raises a question.Who and how is the salvage or scrap value determined and established, and do our insurance policies (or any policies) give the car owner the first right to buy his ‘totaled’ car?Could a clause like that be added to a policy if that question isn’t clearly covered?Thanks,CarltonFrom: Chrysler300@xxxxxxxxxxxxxxx [mailto:Chrysler300@xxxxxxxxxxxxxxx] On Behalf Of Ray Jones 1970hurst@xxxxxxxxx [Chrysler300]
Sent: Friday, May 01, 2015 9:09 AM
To: Gloria Moon; Listsaver 300 Club
Cc: Jim Krausmann; 300-Don Warnaar
Subject: [Chrysler300] Re: Wilcox HurstCan someone close to the Wilcox's try to help and keep the car from being sent to the scrap yard?It is sitting somewhere and likely to be bought for salvage or scrapped when the insurance company settles.Bigger loss for them and the limited number of surviving Hursts, not to mention the special parts involved.Glad they are alright, sorry for the terrible end to a great weekend for them.Ray_._,___
--Ray Jones. Y'all come on down an see us. Ya hear?
__._,_.___
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